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 | 6.4699% | 649 |
| Cost of funding earning assets | 1.9827% | 1,973 |
| Net interest margin | 4.4872% | 639 |
| Noninterest income to average assets | 1.9100% | 274 |
| Noninterest expense to average assets | 3.1710% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.2250% | 316 |
| Return on assets (ROA) | 2.2250% | 318 |
| Pretax return on assets | 2.8520% | 217 |
| Return on Equity (ROE) | 18.7700% | 564 |
| Retained earnings to average equity (ytd only) | 18.7661% | 208 |
| Net charge-offs to loans | 0.0954% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 49.7436% | 997 |
| Efficiency ratio | 52.6117% | 3,706 |
| Assets per employee ($millions) | 4.3710% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 302 |
| Loan loss allowance to noncurrent loans | 168.4307% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 571 |
| Noncurrent loans to loans | 1.3122% | 786 |
| Net loans and leases to total assets | 57.8900% | 3,055 |
| Net loans and leases to deposits | 71.1446% | 2,786 |
| Net loans and leases to core deposits | 79.2635% | 2,729 |
| Total domestic deposits to total assets | 81.3700% | 3,426 |
| Equity capital to assets | 11.8670% | 1,288 |
| Core capital (leverage) ratio | 13.0593% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $544,185,500 | 1,676 |
| Average earning assets | $498,311,000 | 1,687 |
| Average equity | $64,520,500 | 1,459 |
| Average total loans | $326,975,000 | 1,777 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3839% | 827 |
| Cost of funding earning assets | 1.8517% | 2,592 |
| Net interest margin | 4.5321% | 614 |
| Noninterest income to average assets | 1.1400% | 487 |
| Noninterest expense to average assets | 3.3344% | 720 |
| Loan and lease loss provision to assets | 0.1600% | 863 |
| Net operating income to assets | 1.4229% | 1,032 |
| Return on assets (ROA) | 1.3737% | 1,118 |
| Pretax return on assets | 1.7047% | 959 |
| Return on Equity (ROE) | 11.6800% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.0592% | 1,100 |
| Net charge-offs to loans | 0.2184% | 661 |
| Credit loss provision to net charge-offs | 126.8657% | 1,591 |
| Earnings coverage of net charge-offs (x) | 15.2015% | 2,026 |
| Efficiency ratio | 63.1305% | 2,816 |
| Assets per employee ($millions) | 4.1319% | 4,047 |
| Cash dividends to net income (ytd only)* | 31.0297% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 254 |
| Loan loss allowance to noncurrent loans | 115.9041% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2350% | 510 |
| Noncurrent loans to loans | 1.9773% | 403 |
| Net loans and leases to total assets | 59.6300% | 2,975 |
| Net loans and leases to deposits | 73.8749% | 2,658 |
| Net loans and leases to core deposits | 82.3583% | 2,608 |
| Total domestic deposits to total assets | 80.7100% | 3,460 |
| Equity capital to assets | 11.8451% | 1,240 |
| Core capital (leverage) ratio | 13.0696% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $528,786,600 | 1,705 |
| Average earning assets | $481,167,000 | 1,718 |
| Average equity | $62,165,200 | 1,446 |
| Average total loans | $306,768,000 | 1,826 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3602% | 823 |
| Cost of funding earning assets | 1.7245% | 2,898 |
| Net interest margin | 4.6357% | 530 |
| Noninterest income to average assets | 1.1300% | 492 |
| Noninterest expense to average assets | 3.1134% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.7825% | 612 |
| Return on assets (ROA) | 1.7825% | 613 |
| Pretax return on assets | 2.2308% | 467 |
| Return on Equity (ROE) | 15.1600% | 927 |
| Retained earnings to average equity (ytd only) | 15.1573% | 230 |
| Net charge-offs to loans | 0.1198% | 875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 32.5257% | 1,465 |
| Efficiency ratio | 57.9551% | 3,358 |
| Assets per employee ($millions) | 4.2489% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 300 |
| Loan loss allowance to noncurrent loans | 118.6571% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 560 |
| Noncurrent loans to loans | 1.8514% | 442 |
| Net loans and leases to total assets | 58.2200% | 3,076 |
| Net loans and leases to deposits | 72.8944% | 2,759 |
| Net loans and leases to core deposits | 80.5730% | 2,775 |
| Total domestic deposits to total assets | 79.8600% | 3,481 |
| Equity capital to assets | 12.6248% | 1,070 |
| Core capital (leverage) ratio | 13.3940% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $528,761,750 | 1,700 |
| Average earning assets | $480,436,500 | 1,719 |
| Average equity | $62,181,750 | 1,434 |
| Average total loans | $302,770,000 | 1,836 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 812 |
| Cost of funding earning assets | 1.7625% | 2,719 |
| Net interest margin | 4.5399% | 593 |
| Noninterest income to average assets | 1.0700% | 530 |
| Noninterest expense to average assets | 3.0702% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6895% | 691 |
| Return on assets (ROA) | 1.6895% | 691 |
| Pretax return on assets | 2.1186% | 543 |
| Return on Equity (ROE) | 14.7300% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.7296% | 299 |
| Net charge-offs to loans | 0.1106% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 33.8970% | 1,333 |
| Efficiency ratio | 58.8553% | 3,315 |
| Assets per employee ($millions) | 4.1673% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2931% | 284 |
| Loan loss allowance to noncurrent loans | 125.9511% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 538 |
| Noncurrent loans to loans | 1.8206% | 426 |
| Net loans and leases to total assets | 55.8900% | 3,275 |
| Net loans and leases to deposits | 68.9252% | 3,072 |
| Net loans and leases to core deposits | 75.5079% | 3,068 |
| Total domestic deposits to total assets | 81.0900% | 3,260 |
| Equity capital to assets | 11.5744% | 1,319 |
| Core capital (leverage) ratio | 12.9765% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $527,978,333 | 1,696 |
| Average earning assets | $479,090,000 | 1,720 |
| Average equity | $60,558,333 | 1,456 |
| Average total loans | $298,314,667 | 1,852 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1813% | 860 |
| Cost of funding earning assets | 1.7366% | 2,674 |
| Net interest margin | 4.4447% | 626 |
| Noninterest income to average assets | 1.0600% | 509 |
| Noninterest expense to average assets | 3.0384% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6270% | 743 |
| Return on assets (ROA) | 1.6270% | 752 |
| Pretax return on assets | 2.0559% | 594 |
| Return on Equity (ROE) | 14.2500% | 1,100 |
| Retained earnings to average equity (ytd only) | 14.2516% | 481 |
| Net charge-offs to loans | -0.0218% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.2376% | 3,330 |
| Assets per employee ($millions) | 4.4425% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 216 |
| Loan loss allowance to noncurrent loans | 226.2039% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 1,098 |
| Noncurrent loans to loans | 1.0791% | 780 |
| Net loans and leases to total assets | 52.9100% | 3,426 |
| Net loans and leases to deposits | 64.6162% | 3,257 |
| Net loans and leases to core deposits | 70.2630% | 3,327 |
| Total domestic deposits to total assets | 81.8800% | 3,198 |
| Equity capital to assets | 11.0321% | 1,491 |
| Core capital (leverage) ratio | 12.5622% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $523,176,000 | 1,711 |
| Average earning assets | $474,720,500 | 1,732 |
| Average equity | $59,726,500 | 1,464 |
| Average total loans | $293,708,000 | 1,868 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7237% | 904 |
| Cost of funding earning assets | 1.2323% | 2,722 |
| Net interest margin | 4.4914% | 625 |
| Noninterest income to average assets | 1.4700% | 396 |
| Noninterest expense to average assets | 3.3529% | 699 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.4762% | 1,065 |
| Return on assets (ROA) | 1.4070% | 1,179 |
| Pretax return on assets | 1.7481% | 966 |
| Return on Equity (ROE) | 12.3100% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.3802% | 1,430 |
| Net charge-offs to loans | 0.2184% | 497 |
| Credit loss provision to net charge-offs | 187.3377% | 1,274 |
| Earnings coverage of net charge-offs (x) | 17.0016% | 1,985 |
| Efficiency ratio | 60.5106% | 3,019 |
| Assets per employee ($millions) | 4.1661% | 4,096 |
| Cash dividends to net income (ytd only)* | 31.9217% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 197 |
| Loan loss allowance to noncurrent loans | 235.9268% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 883 |
| Noncurrent loans to loans | 1.0509% | 701 |
| Net loans and leases to total assets | 56.7800% | 3,140 |
| Net loans and leases to deposits | 70.5699% | 2,842 |
| Net loans and leases to core deposits | 77.3139% | 2,894 |
| Total domestic deposits to total assets | 80.4600% | 3,385 |
| Equity capital to assets | 11.8359% | 1,189 |
| Core capital (leverage) ratio | 12.7611% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $486,712,400 | 1,757 |
| Average earning assets | $436,812,000 | 1,784 |
| Average equity | $55,631,400 | 1,474 |
| Average total loans | $282,026,200 | 1,864 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 914 |
| Cost of funding earning assets | 1.0942% | 2,759 |
| Net interest margin | 4.4992% | 615 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 3.2645% | 753 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.7074% | 788 |
| Return on assets (ROA) | 1.6110% | 913 |
| Pretax return on assets | 1.9519% | 801 |
| Return on Equity (ROE) | 14.2300% | 1,597 |
| Retained earnings to average equity (ytd only) | 14.2252% | 646 |
| Net charge-offs to loans | 0.0243% | 1,595 |
| Credit loss provision to net charge-offs | 694.1176% | 512 |
| Earnings coverage of net charge-offs (x) | 158.1373% | 702 |
| Efficiency ratio | 59.0674% | 3,078 |
| Assets per employee ($millions) | 4.1159% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 230 |
| Loan loss allowance to noncurrent loans | 207.6740% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 840 |
| Noncurrent loans to loans | 1.1608% | 679 |
| Net loans and leases to total assets | 56.2900% | 3,179 |
| Net loans and leases to deposits | 69.3569% | 2,881 |
| Net loans and leases to core deposits | 75.3075% | 2,913 |
| Total domestic deposits to total assets | 81.1600% | 3,357 |
| Equity capital to assets | 10.9659% | 1,355 |
| Core capital (leverage) ratio | 13.0695% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $483,408,250 | 1,768 |
| Average earning assets | $433,191,250 | 1,790 |
| Average equity | $54,746,500 | 1,483 |
| Average total loans | $279,765,000 | 1,878 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 944 |
| Cost of funding earning assets | 0.9255% | 2,847 |
| Net interest margin | 4.4837% | 624 |
| Noninterest income to average assets | 1.1800% | 453 |
| Noninterest expense to average assets | 3.1679% | 821 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.5838% | 972 |
| Return on assets (ROA) | 1.4356% | 1,235 |
| Pretax return on assets | 1.7034% | 1,207 |
| Return on Equity (ROE) | 12.5400% | 1,999 |
| Retained earnings to average equity (ytd only) | 12.5365% | 879 |
| Net charge-offs to loans | 0.0080% | 1,922 |
| Credit loss provision to net charge-offs | 3,218.1818% | 164 |
| Earnings coverage of net charge-offs (x) | 439.9091% | 333 |
| Efficiency ratio | 60.5227% | 2,888 |
| Assets per employee ($millions) | 3.9871% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4364% | 238 |
| Loan loss allowance to noncurrent loans | 178.2885% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 618 |
| Noncurrent loans to loans | 1.3665% | 517 |
| Net loans and leases to total assets | 57.8000% | 2,980 |
| Net loans and leases to deposits | 71.3816% | 2,690 |
| Net loans and leases to core deposits | 77.1693% | 2,676 |
| Total domestic deposits to total assets | 80.9700% | 3,434 |
| Equity capital to assets | 11.4592% | 1,209 |
| Core capital (leverage) ratio | 12.8495% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $477,165,000 | 1,777 |
| Average earning assets | $427,680,667 | 1,817 |
| Average equity | $54,640,667 | 1,489 |
| Average total loans | $276,473,667 | 1,880 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 948 |
| Cost of funding earning assets | 0.8721% | 2,469 |
| Net interest margin | 4.3311% | 771 |
| Noninterest income to average assets | 1.2000% | 440 |
| Noninterest expense to average assets | 3.1354% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7500% | 750 |
| Return on assets (ROA) | 1.7294% | 772 |
| Pretax return on assets | 1.9317% | 868 |
| Return on Equity (ROE) | 15.1100% | 1,536 |
| Retained earnings to average equity (ytd only) | 15.1080% | 790 |
| Net charge-offs to loans | -0.0754% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1508% | 2,804 |
| Assets per employee ($millions) | 3.8845% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 237 |
| Loan loss allowance to noncurrent loans | 209.2011% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 719 |
| Noncurrent loans to loans | 1.1644% | 602 |
| Net loans and leases to total assets | 56.8800% | 2,969 |
| Net loans and leases to deposits | 65.3729% | 2,986 |
| Net loans and leases to core deposits | 70.6702% | 2,904 |
| Total domestic deposits to total assets | 87.0100% | 2,257 |
| Equity capital to assets | 11.6309% | 1,116 |
| Core capital (leverage) ratio | 12.9452% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $472,532,000 | 1,808 |
| Average earning assets | $424,284,500 | 1,852 |
| Average equity | $54,090,500 | 1,511 |
| Average total loans | $270,625,000 | 1,921 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 607 |
| Cost of funding earning assets | 0.2948% | 2,921 |
| Net interest margin | 4.3121% | 412 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 3.3881% | 551 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.1839% | 1,842 |
| Return on assets (ROA) | 1.1673% | 1,838 |
| Pretax return on assets | 1.4062% | 1,749 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.1956% | 2,963 |
| Net charge-offs to loans | 0.2393% | 331 |
| Credit loss provision to net charge-offs | 262.2378% | 977 |
| Earnings coverage of net charge-offs (x) | 14.4563% | 2,027 |
| Efficiency ratio | 65.6002% | 2,280 |
| Assets per employee ($millions) | 3.8620% | 4,327 |
| Cash dividends to net income (ytd only)* | 47.2022% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 378 |
| Loan loss allowance to noncurrent loans | 157.9702% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 640 |
| Noncurrent loans to loans | 1.3164% | 520 |
| Net loans and leases to total assets | 55.0700% | 3,113 |
| Net loans and leases to deposits | 64.8250% | 2,973 |
| Net loans and leases to core deposits | 69.6602% | 2,902 |
| Total domestic deposits to total assets | 84.9500% | 3,002 |
| Equity capital to assets | 11.2620% | 1,160 |
| Core capital (leverage) ratio | 12.9065% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $474,603,600 | 1,786 |
| Average earning assets | $430,066,400 | 1,819 |
| Average equity | $56,297,800 | 1,474 |
| Average total loans | $239,043,000 | 2,006 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 507 |
| Cost of funding earning assets | 0.2701% | 2,485 |
| Net interest margin | 4.2179% | 404 |
| Noninterest income to average assets | 1.2100% | 502 |
| Noninterest expense to average assets | 3.0723% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5987% | 661 |
| Return on assets (ROA) | 1.5987% | 641 |
| Pretax return on assets | 1.9607% | 510 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 13.3104% | 564 |
| Net charge-offs to loans | 0.0935% | 662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 42.8957% | 1,358 |
| Efficiency ratio | 60.5973% | 3,039 |
| Assets per employee ($millions) | 3.9697% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7646% | 780 |
| Loan loss allowance to noncurrent loans | 180.8101% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 1,053 |
| Noncurrent loans to loans | 0.9759% | 801 |
| Net loans and leases to total assets | 52.0800% | 3,269 |
| Net loans and leases to deposits | 59.5049% | 3,244 |
| Net loans and leases to core deposits | 63.6309% | 3,146 |
| Total domestic deposits to total assets | 87.5200% | 2,587 |
| Equity capital to assets | 11.2913% | 1,071 |
| Core capital (leverage) ratio | 13.3221% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $475,464,250 | 1,798 |
| Average earning assets | $431,449,500 | 1,826 |
| Average equity | $57,106,750 | 1,472 |
| Average total loans | $232,560,250 | 2,040 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 463 |
| Cost of funding earning assets | 0.2657% | 2,078 |
| Net interest margin | 4.1032% | 395 |
| Noninterest income to average assets | 1.1728% | 494 |
| Noninterest expense to average assets | 3.0456% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5056% | 698 |
| Return on assets (ROA) | 1.5056% | 675 |
| Pretax return on assets | 1.8674% | 498 |
| Return on Equity (ROE) | 12.2922% | 1,587 |
| Retained earnings to average equity (ytd only) | 12.2922% | 562 |
| Net charge-offs to loans | 0.1121% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 35.0315% | 1,323 |
| Efficiency ratio | 61.5463% | 3,101 |
| Assets per employee ($millions) | 3.9501% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 674 |
| Loan loss allowance to noncurrent loans | 331.2268% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 1,884 |
| Noncurrent loans to loans | 0.5711% | 1,482 |
| Net loans and leases to total assets | 48.7485% | 3,487 |
| Net loans and leases to deposits | 55.8595% | 3,389 |
| Net loans and leases to core deposits | 59.8313% | 3,279 |
| Total domestic deposits to total assets | 87.2698% | 2,846 |
| Equity capital to assets | 11.6285% | 987 |
| Core capital (leverage) ratio | 12.8732% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,486,333 | 1,800 |
| Average earning assets | $434,345,667 | 1,829 |
| Average equity | $58,362,333 | 1,471 |
| Average total loans | $226,604,667 | 2,073 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 388 |
| Cost of funding earning assets | 0.2667% | 1,961 |
| Net interest margin | 4.1212% | 324 |
| Noninterest income to average assets | 1.0483% | 624 |
| Noninterest expense to average assets | 2.9130% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6461% | 459 |
| Return on assets (ROA) | 1.6461% | 460 |
| Pretax return on assets | 1.9007% | 449 |
| Return on Equity (ROE) | 13.1104% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.1104% | 456 |
| Net charge-offs to loans | 0.0306% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 133.5294% | 576 |
| Efficiency ratio | 60.0974% | 3,475 |
| Assets per employee ($millions) | 4.2577% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0623% | 559 |
| Loan loss allowance to noncurrent loans | 253.8932% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,630 |
| Noncurrent loans to loans | 0.8123% | 1,164 |
| Net loans and leases to total assets | 44.6642% | 3,692 |
| Net loans and leases to deposits | 51.3284% | 3,624 |
| Net loans and leases to core deposits | 54.8765% | 3,534 |
| Total domestic deposits to total assets | 87.0166% | 2,921 |
| Equity capital to assets | 11.9679% | 965 |
| Core capital (leverage) ratio | 12.4769% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $477,722,000 | 1,803 |
| Average earning assets | $436,475,500 | 1,836 |
| Average equity | $59,983,000 | 1,485 |
| Average total loans | $222,142,000 | 2,091 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 216 |
| Cost of funding earning assets | 0.3791% | 1,691 |
| Net interest margin | 4.7549% | 189 |
| Noninterest income to average assets | 1.5844% | 449 |
| Noninterest expense to average assets | 3.4066% | 535 |
| Loan and lease loss provision to assets | 0.2153% | 480 |
| Net operating income to assets | 1.8686% | 439 |
| Return on assets (ROA) | 1.8686% | 468 |
| Pretax return on assets | 2.3206% | 338 |
| Return on Equity (ROE) | 13.5828% | 1,286 |
| Retained earnings to average equity (ytd only) | 10.3094% | 841 |
| Net charge-offs to loans | 0.0808% | 993 |
| Credit loss provision to net charge-offs | 524.8619% | 780 |
| Earnings coverage of net charge-offs (x) | 61.8177% | 1,153 |
| Efficiency ratio | 56.9603% | 3,584 |
| Assets per employee ($millions) | 4.0875% | 4,390 |
| Cash dividends to net income (ytd only)* | 24.0995% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 563 |
| Loan loss allowance to noncurrent loans | 242.1776% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,586 |
| Noncurrent loans to loans | 0.8487% | 1,196 |
| Net loans and leases to total assets | 46.4503% | 3,656 |
| Net loans and leases to deposits | 54.1663% | 3,588 |
| Net loans and leases to core deposits | 57.8767% | 3,484 |
| Total domestic deposits to total assets | 85.7549% | 2,991 |
| Equity capital to assets | 13.1634% | 855 |
| Core capital (leverage) ratio | 12.9640% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,228,000 | 1,859 |
| Average earning assets | $404,404,400 | 1,895 |
| Average equity | $60,701,800 | 1,501 |
| Average total loans | $223,884,200 | 2,083 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 181 |
| Cost of funding earning assets | 0.3965% | 1,720 |
| Net interest margin | 4.9670% | 165 |
| Noninterest income to average assets | 1.7249% | 426 |
| Noninterest expense to average assets | 3.1064% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.5712% | 195 |
| Return on assets (ROA) | 2.5712% | 197 |
| Pretax return on assets | 3.1752% | 149 |
| Return on Equity (ROE) | 18.4738% | 572 |
| Retained earnings to average equity (ytd only) | 18.4738% | 183 |
| Net charge-offs to loans | 0.0571% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 836 |
| Efficiency ratio | 49.1050% | 4,288 |
| Assets per employee ($millions) | 3.9545% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,170 |
| Loan loss allowance to noncurrent loans | 145.1953% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 1,357 |
| Noncurrent loans to loans | 1.1510% | 974 |
| Net loans and leases to total assets | 48.5135% | 3,572 |
| Net loans and leases to deposits | 57.5313% | 3,444 |
| Net loans and leases to core deposits | 61.6203% | 3,352 |
| Total domestic deposits to total assets | 84.3253% | 3,359 |
| Equity capital to assets | 14.2929% | 674 |
| Core capital (leverage) ratio | 13.5845% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,019,500 | 1,905 |
| Average earning assets | $398,161,000 | 1,931 |
| Average equity | $60,408,250 | 1,532 |
| Average total loans | $224,123,500 | 2,116 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 1,071 |
| Cost of funding earning assets | 0.4135% | 1,773 |
| Net interest margin | 3.8466% | 1,075 |
| Noninterest income to average assets | 1.9467% | 344 |
| Noninterest expense to average assets | 3.1002% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9560% | 527 |
| Return on assets (ROA) | 1.9560% | 550 |
| Pretax return on assets | 2.3687% | 429 |
| Return on Equity (ROE) | 14.1875% | 1,356 |
| Retained earnings to average equity (ytd only) | 14.1875% | 521 |
| Net charge-offs to loans | 0.0801% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 56.3778% | 1,000 |
| Efficiency ratio | 56.2868% | 3,508 |
| Assets per employee ($millions) | 3.9886% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 1,279 |
| Loan loss allowance to noncurrent loans | 138.2987% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 1,383 |
| Noncurrent loans to loans | 1.1548% | 1,050 |
| Net loans and leases to total assets | 51.3490% | 3,414 |
| Net loans and leases to deposits | 60.5772% | 3,342 |
| Net loans and leases to core deposits | 64.8378% | 3,204 |
| Total domestic deposits to total assets | 84.7662% | 3,191 |
| Equity capital to assets | 13.5732% | 809 |
| Core capital (leverage) ratio | 12.7932% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,420,333 | 1,915 |
| Average earning assets | $392,295,667 | 1,948 |
| Average equity | $59,066,000 | 1,546 |
| Average total loans | $224,690,000 | 2,126 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 1,031 |
| Cost of funding earning assets | 0.4408% | 1,794 |
| Net interest margin | 3.8621% | 1,044 |
| Noninterest income to average assets | 2.3260% | 294 |
| Noninterest expense to average assets | 3.0577% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6103% | 225 |
| Return on assets (ROA) | 2.6103% | 249 |
| Pretax return on assets | 2.7953% | 303 |
| Return on Equity (ROE) | 18.7778% | 646 |
| Retained earnings to average equity (ytd only) | 18.7778% | 324 |
| Net charge-offs to loans | 0.0544% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 623 |
| Efficiency ratio | 51.8500% | 4,006 |
| Assets per employee ($millions) | 3.8943% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 1,089 |
| Loan loss allowance to noncurrent loans | 167.3153% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 1,828 |
| Noncurrent loans to loans | 1.0060% | 1,331 |
| Net loans and leases to total assets | 50.6641% | 3,570 |
| Net loans and leases to deposits | 59.2777% | 3,542 |
| Net loans and leases to core deposits | 63.3728% | 3,468 |
| Total domestic deposits to total assets | 85.4691% | 2,937 |
| Equity capital to assets | 13.5075% | 785 |
| Core capital (leverage) ratio | 13.1469% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,268,000 | 1,935 |
| Average earning assets | $382,898,500 | 1,962 |
| Average equity | $58,281,500 | 1,554 |
| Average total loans | $220,479,000 | 2,148 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 463 |
| Cost of funding earning assets | 0.7061% | 1,691 |
| Net interest margin | 4.3180% | 489 |
| Noninterest income to average assets | 1.4303% | 582 |
| Noninterest expense to average assets | 3.5264% | 669 |
| Loan and lease loss provision to assets | 0.3698% | 892 |
| Net operating income to assets | 1.2374% | 1,425 |
| Return on assets (ROA) | 1.2372% | 1,528 |
| Pretax return on assets | 1.4635% | 1,457 |
| Return on Equity (ROE) | 8.3951% | 2,651 |
| Retained earnings to average equity (ytd only) | 5.1690% | 2,204 |
| Net charge-offs to loans | 0.2674% | 644 |
| Credit loss provision to net charge-offs | 252.2523% | 1,928 |
| Earnings coverage of net charge-offs (x) | 12.5081% | 2,331 |
| Efficiency ratio | 65.3181% | 2,633 |
| Assets per employee ($millions) | 3.5609% | 4,627 |
| Cash dividends to net income (ytd only)* | 38.4287% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 923 |
| Loan loss allowance to noncurrent loans | 194.4898% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 2,102 |
| Noncurrent loans to loans | 0.9066% | 1,558 |
| Net loans and leases to total assets | 52.7831% | 3,602 |
| Net loans and leases to deposits | 62.4447% | 3,575 |
| Net loans and leases to core deposits | 67.4958% | 3,442 |
| Total domestic deposits to total assets | 84.5277% | 2,942 |
| Equity capital to assets | 14.3271% | 725 |
| Core capital (leverage) ratio | 13.3750% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,601,000 | 1,924 |
| Average earning assets | $344,553,800 | 1,959 |
| Average equity | $55,794,400 | 1,535 |
| Average total loans | $207,518,000 | 2,180 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 492 |
| Cost of funding earning assets | 0.7397% | 1,805 |
| Net interest margin | 4.3686% | 500 |
| Noninterest income to average assets | 1.6347% | 445 |
| Noninterest expense to average assets | 3.5513% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6829% | 597 |
| Return on assets (ROA) | 1.6826% | 663 |
| Pretax return on assets | 2.0662% | 453 |
| Return on Equity (ROE) | 11.3328% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.3328% | 517 |
| Net charge-offs to loans | 0.1636% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 22.9206% | 1,819 |
| Efficiency ratio | 62.7563% | 2,951 |
| Assets per employee ($millions) | 3.4697% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,406 |
| Loan loss allowance to noncurrent loans | 137.0333% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 2,178 |
| Noncurrent loans to loans | 0.9102% | 1,638 |
| Net loans and leases to total assets | 54.3637% | 3,771 |
| Net loans and leases to deposits | 64.8612% | 3,715 |
| Net loans and leases to core deposits | 70.1153% | 3,618 |
| Total domestic deposits to total assets | 83.8155% | 2,885 |
| Equity capital to assets | 14.9700% | 641 |
| Core capital (leverage) ratio | 14.0884% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,657,000 | 1,932 |
| Average earning assets | $339,776,250 | 1,960 |
| Average equity | $55,330,750 | 1,537 |
| Average total loans | $205,347,750 | 2,193 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 563 |
| Cost of funding earning assets | 0.7775% | 1,952 |
| Net interest margin | 4.4295% | 581 |
| Noninterest income to average assets | 1.8179% | 334 |
| Noninterest expense to average assets | 3.6145% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9483% | 367 |
| Return on assets (ROA) | 1.9478% | 410 |
| Pretax return on assets | 2.2267% | 350 |
| Return on Equity (ROE) | 13.1577% | 1,065 |
| Retained earnings to average equity (ytd only) | 13.1577% | 341 |
| Net charge-offs to loans | 0.1332% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 30.3358% | 1,428 |
| Efficiency ratio | 61.4237% | 3,212 |
| Assets per employee ($millions) | 3.4086% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,839 |
| Loan loss allowance to noncurrent loans | 143.4211% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 2,276 |
| Noncurrent loans to loans | 0.9322% | 1,657 |
| Net loans and leases to total assets | 54.2997% | 3,849 |
| Net loans and leases to deposits | 64.9368% | 3,811 |
| Net loans and leases to core deposits | 70.3984% | 3,666 |
| Total domestic deposits to total assets | 83.6192% | 2,875 |
| Equity capital to assets | 14.9970% | 619 |
| Core capital (leverage) ratio | 14.2278% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,027,667 | 1,939 |
| Average earning assets | $331,593,667 | 1,973 |
| Average equity | $54,036,667 | 1,557 |
| Average total loans | $201,214,000 | 2,213 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4559% | 409 |
| Cost of funding earning assets | 0.8146% | 2,300 |
| Net interest margin | 4.6413% | 382 |
| Noninterest income to average assets | 1.4109% | 447 |
| Noninterest expense to average assets | 3.7390% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5168% | 750 |
| Return on assets (ROA) | 1.5168% | 819 |
| Pretax return on assets | 1.8583% | 614 |
| Return on Equity (ROE) | 10.3195% | 1,635 |
| Retained earnings to average equity (ytd only) | 10.3195% | 685 |
| Net charge-offs to loans | 0.0449% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 74.9545% | 698 |
| Efficiency ratio | 66.3177% | 2,908 |
| Assets per employee ($millions) | 3.1555% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,306 |
| Loan loss allowance to noncurrent loans | 160.6325% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,459 |
| Noncurrent loans to loans | 0.9401% | 1,753 |
| Net loans and leases to total assets | 52.9454% | 4,061 |
| Net loans and leases to deposits | 62.7368% | 4,060 |
| Net loans and leases to core deposits | 68.3841% | 3,968 |
| Total domestic deposits to total assets | 84.3929% | 2,635 |
| Equity capital to assets | 14.2488% | 988 |
| Core capital (leverage) ratio | 14.3853% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,956,500 | 1,940 |
| Average earning assets | $320,169,500 | 1,975 |
| Average equity | $52,173,000 | 1,592 |
| Average total loans | $195,831,000 | 2,216 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6403% | 442 |
| Cost of funding earning assets | 0.7992% | 2,685 |
| Net interest margin | 4.8411% | 372 |
| Noninterest income to average assets | 1.5548% | 383 |
| Noninterest expense to average assets | 3.8529% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7101% | 642 |
| Return on assets (ROA) | 1.7400% | 645 |
| Pretax return on assets | 2.1097% | 467 |
| Return on Equity (ROE) | 11.7436% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.3485% | 874 |
| Net charge-offs to loans | 0.1397% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 25.8043% | 1,718 |
| Efficiency ratio | 64.5478% | 2,994 |
| Assets per employee ($millions) | 3.0472% | 4,801 |
| Cash dividends to net income (ytd only)* | 28.9108% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 1,197 |
| Loan loss allowance to noncurrent loans | 165.0723% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 2,319 |
| Noncurrent loans to loans | 0.9146% | 1,677 |
| Net loans and leases to total assets | 55.7359% | 3,940 |
| Net loans and leases to deposits | 66.8107% | 3,911 |
| Net loans and leases to core deposits | 73.1289% | 3,787 |
| Total domestic deposits to total assets | 83.4237% | 3,056 |
| Equity capital to assets | 15.3057% | 726 |
| Core capital (leverage) ratio | 14.7405% | 734 |
| Tier 1 risk-based capital ratio | 22.8790% | 921 |
| Total risk-based capital ratio | 24.1299% | 901 |
| Memoranda: | ||
| Average total assets | $343,511,200 | 1,935 |
| Average earning assets | $310,177,800 | 1,967 |
| Average equity | $50,895,600 | 1,568 |
| Average total loans | $197,508,000 | 2,185 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6599% | 445 |
| Cost of funding earning assets | 0.8010% | 2,714 |
| Net interest margin | 4.8589% | 372 |
| Noninterest income to average assets | 1.5332% | 390 |
| Noninterest expense to average assets | 3.6012% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8865% | 510 |
| Return on assets (ROA) | 1.9053% | 506 |
| Pretax return on assets | 2.3374% | 345 |
| Return on Equity (ROE) | 12.9681% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.9681% | 283 |
| Net charge-offs to loans | 0.1888% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 21.2359% | 1,922 |
| Efficiency ratio | 60.4093% | 3,559 |
| Assets per employee ($millions) | 3.0554% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,229 |
| Loan loss allowance to noncurrent loans | 138.8290% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 2,057 |
| Noncurrent loans to loans | 1.0859% | 1,462 |
| Net loans and leases to total assets | 56.5897% | 4,005 |
| Net loans and leases to deposits | 68.6135% | 3,875 |
| Net loans and leases to core deposits | 75.1802% | 3,750 |
| Total domestic deposits to total assets | 82.4760% | 3,328 |
| Equity capital to assets | 15.8428% | 665 |
| Core capital (leverage) ratio | 15.0348% | 732 |
| Tier 1 risk-based capital ratio | 23.3348% | 913 |
| Total risk-based capital ratio | 24.5860% | 890 |
| Memoranda: | ||
| Average total assets | $342,543,750 | 1,949 |
| Average earning assets | $308,948,500 | 1,982 |
| Average equity | $50,327,250 | 1,590 |
| Average total loans | $197,739,000 | 2,202 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 453 |
| Cost of funding earning assets | 0.8017% | 2,633 |
| Net interest margin | 4.8233% | 389 |
| Noninterest income to average assets | 1.5286% | 387 |
| Noninterest expense to average assets | 3.4705% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9868% | 394 |
| Return on assets (ROA) | 1.9868% | 415 |
| Pretax return on assets | 2.4018% | 284 |
| Return on Equity (ROE) | 13.8849% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.8849% | 235 |
| Net charge-offs to loans | 0.1504% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 27.6174% | 1,534 |
| Efficiency ratio | 58.6323% | 3,913 |
| Assets per employee ($millions) | 3.0083% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,164 |
| Loan loss allowance to noncurrent loans | 153.2178% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,209 |
| Noncurrent loans to loans | 1.0039% | 1,634 |
| Net loans and leases to total assets | 58.2786% | 3,889 |
| Net loans and leases to deposits | 72.1450% | 3,677 |
| Net loans and leases to core deposits | 79.1554% | 3,492 |
| Total domestic deposits to total assets | 80.7797% | 3,876 |
| Equity capital to assets | 15.3419% | 735 |
| Core capital (leverage) ratio | 14.5262% | 819 |
| Tier 1 risk-based capital ratio | 22.4214% | 1,008 |
| Total risk-based capital ratio | 23.6730% | 988 |
| Memoranda: | ||
| Average total assets | $342,658,330 | 1,958 |
| Average earning assets | $308,585,330 | 1,991 |
| Average equity | $49,031,670 | 1,623 |
| Average total loans | $198,114,000 | 2,200 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 497 |
| Cost of funding earning assets | 0.7472% | 2,803 |
| Net interest margin | 4.7828% | 424 |
| Noninterest income to average assets | 1.5360% | 365 |
| Noninterest expense to average assets | 3.0824% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5115% | 157 |
| Return on assets (ROA) | 2.5115% | 167 |
| Pretax return on assets | 2.7626% | 165 |
| Return on Equity (ROE) | 18.2006% | 378 |
| Retained earnings to average equity (ytd only) | 18.2006% | 137 |
| Net charge-offs to loans | 0.1201% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 40.2712% | 1,150 |
| Efficiency ratio | 52.2578% | 4,678 |
| Assets per employee ($millions) | 3.1037% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 1,028 |
| Loan loss allowance to noncurrent loans | 167.1039% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 2,451 |
| Noncurrent loans to loans | 0.9683% | 1,724 |
| Net loans and leases to total assets | 55.7075% | 4,086 |
| Net loans and leases to deposits | 67.0275% | 3,985 |
| Net loans and leases to core deposits | 73.6441% | 3,817 |
| Total domestic deposits to total assets | 83.1115% | 3,348 |
| Equity capital to assets | 14.1052% | 1,004 |
| Core capital (leverage) ratio | 14.0304% | 942 |
| Tier 1 risk-based capital ratio | 20.3934% | 1,263 |
| Total risk-based capital ratio | 21.6443% | 1,241 |
| Memoranda: | ||
| Average total assets | $344,018,500 | 1,972 |
| Average earning assets | $309,942,000 | 1,997 |
| Average equity | $47,471,000 | 1,656 |
| Average total loans | $196,568,000 | 2,231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5001% | 400 |
| Cost of funding earning assets | 0.5582% | 2,994 |
| Net interest margin | 4.9419% | 299 |
| Noninterest income to average assets | 1.4488% | 433 |
| Noninterest expense to average assets | 3.9827% | 544 |
| Loan and lease loss provision to assets | 0.0740% | 2,652 |
| Net operating income to assets | 1.5683% | 950 |
| Return on assets (ROA) | 1.5416% | 1,006 |
| Pretax return on assets | 1.7988% | 923 |
| Return on Equity (ROE) | 11.4821% | 1,904 |
| Retained earnings to average equity (ytd only) | 8.2433% | 1,135 |
| Net charge-offs to loans | 0.1537% | 1,249 |
| Credit loss provision to net charge-offs | 87.5000% | 2,755 |
| Earnings coverage of net charge-offs (x) | 22.5179% | 1,897 |
| Efficiency ratio | 67.1643% | 2,684 |
| Assets per employee ($millions) | 3.0948% | 4,930 |
| Cash dividends to net income (ytd only)* | 28.2076% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 922 |
| Loan loss allowance to noncurrent loans | 167.3891% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 2,337 |
| Noncurrent loans to loans | 0.9872% | 1,646 |
| Net loans and leases to total assets | 56.7117% | 4,076 |
| Net loans and leases to deposits | 70.6615% | 3,773 |
| Net loans and leases to core deposits | 77.9784% | 3,582 |
| Total domestic deposits to total assets | 80.2583% | 4,054 |
| Equity capital to assets | 13.4863% | 1,148 |
| Core capital (leverage) ratio | 13.6238% | 1,035 |
| Tier 1 risk-based capital ratio | 19.7203% | 1,352 |
| Total risk-based capital ratio | 20.9718% | 1,322 |
| Memoranda: | ||
| Average total assets | $331,159,200 | 1,982 |
| Average earning assets | $297,374,400 | 2,033 |
| Average equity | $44,460,400 | 1,677 |
| Average total loans | $182,223,000 | 2,314 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 367 |
| Cost of funding earning assets | 0.5237% | 3,034 |
| Net interest margin | 4.9680% | 276 |
| Noninterest income to average assets | 1.4527% | 445 |
| Noninterest expense to average assets | 3.8550% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7122% | 721 |
| Return on assets (ROA) | 1.7122% | 726 |
| Pretax return on assets | 2.0520% | 546 |
| Return on Equity (ROE) | 12.7683% | 1,512 |
| Retained earnings to average equity (ytd only) | 12.7683% | 386 |
| Net charge-offs to loans | 0.1067% | 1,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 35.3920% | 1,455 |
| Efficiency ratio | 64.7745% | 3,058 |
| Assets per employee ($millions) | 3.1246% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 986 |
| Loan loss allowance to noncurrent loans | 215.9780% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 2,950 |
| Noncurrent loans to loans | 0.7593% | 2,186 |
| Net loans and leases to total assets | 56.2571% | 4,196 |
| Net loans and leases to deposits | 70.6359% | 3,870 |
| Net loans and leases to core deposits | 78.4629% | 3,625 |
| Total domestic deposits to total assets | 79.6438% | 4,186 |
| Equity capital to assets | 13.6072% | 1,097 |
| Core capital (leverage) ratio | 13.8600% | 976 |
| Tier 1 risk-based capital ratio | 20.2872% | 1,283 |
| Total risk-based capital ratio | 21.5386% | 1,261 |
| Memoranda: | ||
| Average total assets | $328,842,250 | 2,005 |
| Average earning assets | $294,840,250 | 2,059 |
| Average equity | $44,097,750 | 1,697 |
| Average total loans | $178,702,250 | 2,360 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 392 |
| Cost of funding earning assets | 0.4874% | 3,108 |
| Net interest margin | 4.9100% | 292 |
| Noninterest income to average assets | 1.3284% | 549 |
| Noninterest expense to average assets | 3.8427% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6627% | 782 |
| Return on assets (ROA) | 1.6611% | 795 |
| Pretax return on assets | 1.8764% | 822 |
| Return on Equity (ROE) | 12.4494% | 1,561 |
| Retained earnings to average equity (ytd only) | 12.4494% | 453 |
| Net charge-offs to loans | 0.0676% | 1,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 52.0508% | 1,100 |
| Efficiency ratio | 66.6560% | 2,868 |
| Assets per employee ($millions) | 3.0541% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 780 |
| Loan loss allowance to noncurrent loans | 217.2740% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 2,947 |
| Noncurrent loans to loans | 0.8193% | 2,085 |
| Net loans and leases to total assets | 53.3683% | 4,388 |
| Net loans and leases to deposits | 64.7830% | 4,230 |
| Net loans and leases to core deposits | 71.6921% | 4,028 |
| Total domestic deposits to total assets | 82.3801% | 3,601 |
| Equity capital to assets | 13.4315% | 1,127 |
| Core capital (leverage) ratio | 13.5517% | 1,052 |
| Tier 1 risk-based capital ratio | 20.3190% | 1,269 |
| Total risk-based capital ratio | 21.5713% | 1,245 |
| Memoranda: | ||
| Average total assets | $327,012,670 | 2,023 |
| Average earning assets | $292,544,670 | 2,085 |
| Average equity | $43,632,670 | 1,716 |
| Average total loans | $174,529,330 | 2,400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 419 |
| Cost of funding earning assets | 0.4790% | 2,975 |
| Net interest margin | 4.7995% | 345 |
| Noninterest income to average assets | 1.2935% | 551 |
| Noninterest expense to average assets | 3.8424% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5416% | 976 |
| Return on assets (ROA) | 1.5416% | 984 |
| Pretax return on assets | 1.7305% | 1,041 |
| Return on Equity (ROE) | 11.5937% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.5937% | 768 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4385% | 2,763 |
| Assets per employee ($millions) | 3.0995% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 651 |
| Loan loss allowance to noncurrent loans | 173.5839% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,460 |
| Noncurrent loans to loans | 1.0960% | 1,668 |
| Net loans and leases to total assets | 50.9812% | 4,500 |
| Net loans and leases to deposits | 59.5516% | 4,506 |
| Net loans and leases to core deposits | 65.8743% | 4,314 |
| Total domestic deposits to total assets | 85.6084% | 2,711 |
| Equity capital to assets | 13.0479% | 1,215 |
| Core capital (leverage) ratio | 13.2857% | 1,075 |
| Tier 1 risk-based capital ratio | 21.2452% | 1,166 |
| Total risk-based capital ratio | 22.4994% | 1,136 |
| Memoranda: | ||
| Average total assets | $324,071,000 | 2,054 |
| Average earning assets | $288,944,500 | 2,127 |
| Average equity | $43,092,500 | 1,747 |
| Average total loans | $171,353,500 | 2,455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 424 |
| Cost of funding earning assets | 0.4456% | 2,818 |
| Net interest margin | 4.7799% | 367 |
| Noninterest income to average assets | 1.4039% | 535 |
| Noninterest expense to average assets | 4.0341% | 509 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0916% | 1,882 |
| Return on assets (ROA) | 1.0604% | 2,037 |
| Pretax return on assets | 1.5729% | 1,371 |
| Return on Equity (ROE) | 7.7020% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.6772% | 2,336 |
| Net charge-offs to loans | 0.1323% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 22.8054% | 1,839 |
| Efficiency ratio | 70.8196% | 2,427 |
| Assets per employee ($millions) | 2.9858% | 5,208 |
| Cash dividends to net income (ytd only)* | 39.2727% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 618 |
| Loan loss allowance to noncurrent loans | 215.3745% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 2,475 |
| Noncurrent loans to loans | 0.8934% | 1,988 |
| Net loans and leases to total assets | 52.7883% | 4,461 |
| Net loans and leases to deposits | 63.1494% | 4,372 |
| Net loans and leases to core deposits | 69.9478% | 4,177 |
| Total domestic deposits to total assets | 83.5928% | 3,358 |
| Equity capital to assets | 13.5585% | 1,039 |
| Core capital (leverage) ratio | 13.4379% | 993 |
| Tier 1 risk-based capital ratio | 20.8612% | 1,163 |
| Total risk-based capital ratio | 22.1154% | 1,143 |
| Memoranda: | ||
| Average total assets | $311,200,400 | 2,110 |
| Average earning assets | $276,679,000 | 2,176 |
| Average equity | $42,846,000 | 1,737 |
| Average total loans | $167,095,200 | 2,456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 433 |
| Cost of funding earning assets | 0.4420% | 2,789 |
| Net interest margin | 4.7389% | 383 |
| Noninterest income to average assets | 1.3218% | 603 |
| Noninterest expense to average assets | 3.7593% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3562% | 1,189 |
| Return on assets (ROA) | 1.3575% | 1,207 |
| Pretax return on assets | 1.7761% | 934 |
| Return on Equity (ROE) | 9.8216% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.8216% | 622 |
| Net charge-offs to loans | 0.0898% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 36.8213% | 1,383 |
| Efficiency ratio | 67.3898% | 2,983 |
| Assets per employee ($millions) | 3.0108% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 579 |
| Loan loss allowance to noncurrent loans | 261.6216% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,667 |
| Noncurrent loans to loans | 0.7610% | 2,456 |
| Net loans and leases to total assets | 52.7604% | 4,515 |
| Net loans and leases to deposits | 62.6459% | 4,467 |
| Net loans and leases to core deposits | 69.3014% | 4,283 |
| Total domestic deposits to total assets | 84.2200% | 3,033 |
| Equity capital to assets | 14.1497% | 955 |
| Core capital (leverage) ratio | 13.9728% | 899 |
| Tier 1 risk-based capital ratio | 20.7937% | 1,233 |
| Total risk-based capital ratio | 22.0482% | 1,199 |
| Memoranda: | ||
| Average total assets | $309,876,500 | 2,129 |
| Average earning assets | $275,418,000 | 2,195 |
| Average equity | $42,829,500 | 1,751 |
| Average total loans | $166,281,250 | 2,480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 460 |
| Cost of funding earning assets | 0.4391% | 2,704 |
| Net interest margin | 4.6698% | 419 |
| Noninterest income to average assets | 1.2736% | 641 |
| Noninterest expense to average assets | 3.7415% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3018% | 1,291 |
| Return on assets (ROA) | 1.3028% | 1,312 |
| Pretax return on assets | 1.6869% | 1,086 |
| Return on Equity (ROE) | 9.5034% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.5034% | 708 |
| Net charge-offs to loans | 0.0133% | 2,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 235.8182% | 359 |
| Efficiency ratio | 68.3788% | 2,941 |
| Assets per employee ($millions) | 3.0283% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 519 |
| Loan loss allowance to noncurrent loans | 270.6749% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 2,663 |
| Noncurrent loans to loans | 0.7727% | 2,472 |
| Net loans and leases to total assets | 52.3643% | 4,539 |
| Net loans and leases to deposits | 62.0241% | 4,502 |
| Net loans and leases to core deposits | 68.9701% | 4,303 |
| Total domestic deposits to total assets | 84.4257% | 3,041 |
| Equity capital to assets | 14.0198% | 958 |
| Core capital (leverage) ratio | 13.5074% | 995 |
| Tier 1 risk-based capital ratio | 20.1203% | 1,346 |
| Total risk-based capital ratio | 21.3752% | 1,312 |
| Memoranda: | ||
| Average total assets | $307,790,330 | 2,148 |
| Average earning assets | $273,758,670 | 2,210 |
| Average equity | $42,195,330 | 1,769 |
| Average total loans | $164,981,000 | 2,494 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 492 |
| Cost of funding earning assets | 0.4344% | 2,669 |
| Net interest margin | 4.6018% | 444 |
| Noninterest income to average assets | 1.2953% | 608 |
| Noninterest expense to average assets | 3.7393% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3541% | 1,106 |
| Return on assets (ROA) | 1.3541% | 1,142 |
| Pretax return on assets | 1.6590% | 1,096 |
| Return on Equity (ROE) | 9.9932% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.9932% | 806 |
| Net charge-offs to loans | -0.1804% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6864% | 3,099 |
| Assets per employee ($millions) | 2.9763% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 484 |
| Loan loss allowance to noncurrent loans | 210.7311% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 2,545 |
| Noncurrent loans to loans | 1.0381% | 1,985 |
| Net loans and leases to total assets | 50.6517% | 4,617 |
| Net loans and leases to deposits | 59.4348% | 4,602 |
| Net loans and leases to core deposits | 65.7318% | 4,443 |
| Total domestic deposits to total assets | 85.2223% | 2,993 |
| Equity capital to assets | 13.3644% | 1,121 |
| Core capital (leverage) ratio | 13.3465% | 1,018 |
| Tier 1 risk-based capital ratio | 21.2482% | 1,185 |
| Total risk-based capital ratio | 22.5054% | 1,167 |
| Memoranda: | ||
| Average total assets | $305,727,000 | 2,169 |
| Average earning assets | $272,587,500 | 2,232 |
| Average equity | $41,428,000 | 1,799 |
| Average total loans | $164,060,500 | 2,527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 495 |
| Cost of funding earning assets | 0.4085% | 2,921 |
| Net interest margin | 4.6930% | 426 |
| Noninterest income to average assets | 1.2810% | 693 |
| Noninterest expense to average assets | 4.0051% | 593 |
| Loan and lease loss provision to assets | 0.0820% | 2,720 |
| Net operating income to assets | 1.0898% | 1,934 |
| Return on assets (ROA) | 1.1141% | 1,935 |
| Pretax return on assets | 1.4360% | 1,796 |
| Return on Equity (ROE) | 8.0956% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.2426% | 2,172 |
| Net charge-offs to loans | 0.1890% | 1,467 |
| Credit loss provision to net charge-offs | 80.2589% | 2,968 |
| Earnings coverage of net charge-offs (x) | 14.5599% | 2,279 |
| Efficiency ratio | 72.3673% | 2,531 |
| Assets per employee ($millions) | 2.7921% | 5,492 |
| Cash dividends to net income (ytd only)* | 35.2418% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 526 |
| Loan loss allowance to noncurrent loans | 165.7982% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 2,378 |
| Noncurrent loans to loans | 1.2814% | 1,599 |
| Net loans and leases to total assets | 54.4816% | 4,396 |
| Net loans and leases to deposits | 64.2209% | 4,399 |
| Net loans and leases to core deposits | 71.0953% | 4,143 |
| Total domestic deposits to total assets | 84.8347% | 3,117 |
| Equity capital to assets | 13.7492% | 970 |
| Core capital (leverage) ratio | 13.3585% | 1,018 |
| Tier 1 risk-based capital ratio | 20.7683% | 1,250 |
| Total risk-based capital ratio | 22.0247% | 1,221 |
| Memoranda: | ||
| Average total assets | $302,587,000 | 2,152 |
| Average earning assets | $271,509,600 | 2,204 |
| Average equity | $41,640,000 | 1,780 |
| Average total loans | $163,482,200 | 2,484 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 524 |
| Cost of funding earning assets | 0.4006% | 3,019 |
| Net interest margin | 4.6682% | 454 |
| Noninterest income to average assets | 1.2976% | 687 |
| Noninterest expense to average assets | 3.8403% | 724 |
| Loan and lease loss provision to assets | 0.0438% | 3,354 |
| Net operating income to assets | 1.2036% | 1,636 |
| Return on assets (ROA) | 1.2345% | 1,605 |
| Pretax return on assets | 1.6526% | 1,241 |
| Return on Equity (ROE) | 8.9690% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.9690% | 828 |
| Net charge-offs to loans | 0.1912% | 1,226 |
| Credit loss provision to net charge-offs | 42.7350% | 3,131 |
| Earnings coverage of net charge-offs (x) | 16.1411% | 2,138 |
| Efficiency ratio | 69.3142% | 2,995 |
| Assets per employee ($millions) | 2.8723% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 642 |
| Loan loss allowance to noncurrent loans | 142.4356% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,171 |
| Noncurrent loans to loans | 1.4500% | 1,495 |
| Net loans and leases to total assets | 53.3750% | 4,547 |
| Net loans and leases to deposits | 65.2995% | 4,400 |
| Net loans and leases to core deposits | 72.1472% | 4,147 |
| Total domestic deposits to total assets | 81.7388% | 4,027 |
| Equity capital to assets | 14.2262% | 957 |
| Core capital (leverage) ratio | 13.4701% | 1,012 |
| Tier 1 risk-based capital ratio | 20.8406% | 1,299 |
| Total risk-based capital ratio | 22.0965% | 1,277 |
| Memoranda: | ||
| Average total assets | $304,242,250 | 2,151 |
| Average earning assets | $273,589,750 | 2,200 |
| Average equity | $41,876,750 | 1,775 |
| Average total loans | $163,166,000 | 2,488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 560 |
| Cost of funding earning assets | 0.3952% | 3,093 |
| Net interest margin | 4.6291% | 482 |
| Noninterest income to average assets | 1.3045% | 672 |
| Noninterest expense to average assets | 3.7591% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2509% | 1,416 |
| Return on assets (ROA) | 1.2960% | 1,390 |
| Pretax return on assets | 1.7740% | 930 |
| Return on Equity (ROE) | 9.5222% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.5222% | 709 |
| Net charge-offs to loans | 0.1553% | 1,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,715 |
| Efficiency ratio | 68.1769% | 3,302 |
| Assets per employee ($millions) | 2.9389% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 620 |
| Loan loss allowance to noncurrent loans | 110.0609% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2768% | 1,597 |
| Noncurrent loans to loans | 1.9105% | 1,057 |
| Net loans and leases to total assets | 51.8269% | 4,693 |
| Net loans and leases to deposits | 63.7783% | 4,508 |
| Net loans and leases to core deposits | 70.7305% | 4,274 |
| Total domestic deposits to total assets | 81.2610% | 4,199 |
| Equity capital to assets | 13.9085% | 1,059 |
| Core capital (leverage) ratio | 13.2386% | 1,071 |
| Tier 1 risk-based capital ratio | 20.6437% | 1,320 |
| Total risk-based capital ratio | 21.8999% | 1,299 |
| Memoranda: | ||
| Average total assets | $304,170,000 | 2,155 |
| Average earning assets | $273,787,330 | 2,214 |
| Average equity | $41,398,000 | 1,794 |
| Average total loans | $162,244,000 | 2,505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 560 |
| Cost of funding earning assets | 0.3967% | 3,108 |
| Net interest margin | 4.6196% | 481 |
| Noninterest income to average assets | 1.4452% | 540 |
| Noninterest expense to average assets | 3.6653% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5988% | 703 |
| Return on assets (ROA) | 1.7009% | 617 |
| Pretax return on assets | 2.0691% | 497 |
| Return on Equity (ROE) | 12.6386% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.6386% | 424 |
| Net charge-offs to loans | 0.1583% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.9375% | 1,388 |
| Efficiency ratio | 64.8170% | 4,001 |
| Assets per employee ($millions) | 2.9877% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 605 |
| Loan loss allowance to noncurrent loans | 134.8111% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 2,052 |
| Noncurrent loans to loans | 1.6210% | 1,421 |
| Net loans and leases to total assets | 51.3633% | 4,695 |
| Net loans and leases to deposits | 60.4614% | 4,685 |
| Net loans and leases to core deposits | 66.7409% | 4,486 |
| Total domestic deposits to total assets | 84.9521% | 3,148 |
| Equity capital to assets | 13.5706% | 1,148 |
| Core capital (leverage) ratio | 12.9038% | 1,194 |
| Tier 1 risk-based capital ratio | 20.7570% | 1,353 |
| Total risk-based capital ratio | 22.0143% | 1,325 |
| Memoranda: | ||
| Average total assets | $301,964,500 | 2,170 |
| Average earning assets | $272,231,000 | 2,224 |
| Average equity | $40,637,500 | 1,820 |
| Average total loans | $161,684,500 | 2,508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 511 |
| Cost of funding earning assets | 0.3422% | 3,772 |
| Net interest margin | 4.7592% | 407 |
| Noninterest income to average assets | 1.2313% | 787 |
| Noninterest expense to average assets | 3.9415% | 725 |
| Loan and lease loss provision to assets | 0.1293% | 1,863 |
| Net operating income to assets | 1.1308% | 1,804 |
| Return on assets (ROA) | 1.1352% | 1,852 |
| Pretax return on assets | 1.4851% | 1,603 |
| Return on Equity (ROE) | 8.7006% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.7751% | 1,913 |
| Net charge-offs to loans | 0.0980% | 2,440 |
| Credit loss provision to net charge-offs | 240.7643% | 1,183 |
| Earnings coverage of net charge-offs (x) | 29.9554% | 1,459 |
| Efficiency ratio | 70.4690% | 3,149 |
| Assets per employee ($millions) | 3.2520% | 5,224 |
| Cash dividends to net income (ytd only)* | 33.6246% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 611 |
| Loan loss allowance to noncurrent loans | 118.3056% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 1,986 |
| Noncurrent loans to loans | 1.8427% | 1,173 |
| Net loans and leases to total assets | 53.4066% | 4,551 |
| Net loans and leases to deposits | 62.6369% | 4,586 |
| Net loans and leases to core deposits | 69.0339% | 4,376 |
| Total domestic deposits to total assets | 85.2638% | 2,964 |
| Equity capital to assets | 13.3427% | 1,189 |
| Core capital (leverage) ratio | 12.8333% | 1,216 |
| Tier 1 risk-based capital ratio | 18.6099% | 1,803 |
| Total risk-based capital ratio | 19.8658% | 1,750 |
| Memoranda: | ||
| Average total assets | $292,373,800 | 2,194 |
| Average earning assets | $265,319,200 | 2,232 |
| Average equity | $38,146,600 | 1,879 |
| Average total loans | $160,151,000 | 2,467 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 380 |
| Cost of funding earning assets | 0.3340% | 3,932 |
| Net interest margin | 4.9548% | 283 |
| Noninterest income to average assets | 0.8486% | 1,627 |
| Noninterest expense to average assets | 3.6242% | 1,074 |
| Loan and lease loss provision to assets | 0.0459% | 3,289 |
| Net operating income to assets | 1.3268% | 1,270 |
| Return on assets (ROA) | 1.3330% | 1,311 |
| Pretax return on assets | 1.6976% | 1,113 |
| Return on Equity (ROE) | 10.2764% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.2764% | 591 |
| Net charge-offs to loans | 0.1698% | 1,464 |
| Credit loss provision to net charge-offs | 49.2611% | 3,046 |
| Earnings coverage of net charge-offs (x) | 18.6404% | 1,990 |
| Efficiency ratio | 67.0432% | 3,701 |
| Assets per employee ($millions) | 3.3534% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 1,015 |
| Loan loss allowance to noncurrent loans | 122.8463% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 2,571 |
| Noncurrent loans to loans | 1.5695% | 1,591 |
| Net loans and leases to total assets | 55.7969% | 4,378 |
| Net loans and leases to deposits | 65.6303% | 4,417 |
| Net loans and leases to core deposits | 72.5140% | 4,151 |
| Total domestic deposits to total assets | 85.0169% | 2,997 |
| Equity capital to assets | 13.2440% | 1,335 |
| Core capital (leverage) ratio | 12.7104% | 1,312 |
| Tier 1 risk-based capital ratio | 19.5340% | 1,658 |
| Total risk-based capital ratio | 20.7893% | 1,624 |
| Memoranda: | ||
| Average total assets | $290,671,750 | 2,220 |
| Average earning assets | $264,651,000 | 2,253 |
| Average equity | $37,703,500 | 1,912 |
| Average total loans | $159,352,750 | 2,482 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 343 |
| Cost of funding earning assets | 0.3303% | 4,046 |
| Net interest margin | 5.0074% | 244 |
| Noninterest income to average assets | 0.8693% | 1,543 |
| Noninterest expense to average assets | 3.5540% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3572% | 1,174 |
| Return on assets (ROA) | 1.3617% | 1,207 |
| Pretax return on assets | 1.8825% | 761 |
| Return on Equity (ROE) | 10.5736% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.5736% | 567 |
| Net charge-offs to loans | 0.0741% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.7759% | 1,007 |
| Efficiency ratio | 64.8879% | 4,208 |
| Assets per employee ($millions) | 4.0408% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 1,010 |
| Loan loss allowance to noncurrent loans | 128.1030% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9462% | 2,643 |
| Noncurrent loans to loans | 1.5499% | 1,705 |
| Net loans and leases to total assets | 55.6888% | 4,371 |
| Net loans and leases to deposits | 65.9100% | 4,340 |
| Net loans and leases to core deposits | 73.0208% | 4,040 |
| Total domestic deposits to total assets | 84.4922% | 3,351 |
| Equity capital to assets | 12.9292% | 1,437 |
| Core capital (leverage) ratio | 12.5228% | 1,366 |
| Tier 1 risk-based capital ratio | 18.3416% | 1,970 |
| Total risk-based capital ratio | 19.5964% | 1,931 |
| Memoranda: | ||
| Average total assets | $289,196,000 | 2,243 |
| Average earning assets | $263,408,330 | 2,275 |
| Average equity | $37,243,670 | 1,938 |
| Average total loans | $156,506,000 | 2,532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5885% | 224 |
| Cost of funding earning assets | 0.3275% | 4,130 |
| Net interest margin | 5.2611% | 167 |
| Noninterest income to average assets | 0.8823% | 1,443 |
| Noninterest expense to average assets | 3.4309% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9591% | 362 |
| Return on assets (ROA) | 1.9700% | 377 |
| Pretax return on assets | 2.2558% | 351 |
| Return on Equity (ROE) | 15.3275% | 663 |
| Retained earnings to average equity (ytd only) | 15.3275% | 259 |
| Net charge-offs to loans | -0.0105% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9267% | 5,096 |
| Assets per employee ($millions) | 4.0930% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 798 |
| Loan loss allowance to noncurrent loans | 152.4852% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 2,966 |
| Noncurrent loans to loans | 1.4481% | 1,967 |
| Net loans and leases to total assets | 50.2518% | 4,819 |
| Net loans and leases to deposits | 58.6334% | 4,870 |
| Net loans and leases to core deposits | 64.8052% | 4,626 |
| Total domestic deposits to total assets | 85.7050% | 3,093 |
| Equity capital to assets | 12.8518% | 1,478 |
| Core capital (leverage) ratio | 12.3744% | 1,412 |
| Tier 1 risk-based capital ratio | 20.8874% | 1,447 |
| Total risk-based capital ratio | 22.1455% | 1,417 |
| Memoranda: | ||
| Average total assets | $288,325,000 | 2,261 |
| Average earning assets | $262,609,000 | 2,296 |
| Average equity | $37,057,500 | 1,965 |
| Average total loans | $152,108,000 | 2,598 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 424 |
| Cost of funding earning assets | 0.3102% | 4,678 |
| Net interest margin | 5.0262% | 292 |
| Noninterest income to average assets | 0.9203% | 1,439 |
| Noninterest expense to average assets | 3.9339% | 820 |
| Loan and lease loss provision to assets | 0.0837% | 2,807 |
| Net operating income to assets | 1.0990% | 1,981 |
| Return on assets (ROA) | 1.1134% | 1,980 |
| Pretax return on assets | 1.4703% | 1,658 |
| Return on Equity (ROE) | 7.9029% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.8633% | 2,706 |
| Net charge-offs to loans | 0.1844% | 2,197 |
| Credit loss provision to net charge-offs | 79.6226% | 2,872 |
| Earnings coverage of net charge-offs (x) | 14.6075% | 2,147 |
| Efficiency ratio | 71.6357% | 3,271 |
| Assets per employee ($millions) | 3.9160% | 4,122 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 839 |
| Loan loss allowance to noncurrent loans | 170.1477% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 3,218 |
| Noncurrent loans to loans | 1.2848% | 2,307 |
| Net loans and leases to total assets | 53.0023% | 4,685 |
| Net loans and leases to deposits | 61.9214% | 4,736 |
| Net loans and leases to core deposits | 68.4762% | 4,452 |
| Total domestic deposits to total assets | 85.5961% | 3,031 |
| Equity capital to assets | 12.8536% | 1,439 |
| Core capital (leverage) ratio | 12.0903% | 1,571 |
| Tier 1 risk-based capital ratio | 18.5974% | 1,961 |
| Total risk-based capital ratio | 19.8543% | 1,927 |
| Memoranda: | ||
| Average total assets | $252,189,400 | 2,503 |
| Average earning assets | $228,224,200 | 2,534 |
| Average equity | $35,531,200 | 1,971 |
| Average total loans | $143,706,800 | 2,653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 358 |
| Cost of funding earning assets | 0.2974% | 4,909 |
| Net interest margin | 5.1267% | 233 |
| Noninterest income to average assets | 0.9049% | 1,503 |
| Noninterest expense to average assets | 3.5459% | 1,383 |
| Loan and lease loss provision to assets | 0.1498% | 1,663 |
| Net operating income to assets | 1.2908% | 1,394 |
| Return on assets (ROA) | 1.3091% | 1,402 |
| Pretax return on assets | 1.8745% | 756 |
| Return on Equity (ROE) | 9.0625% | 2,647 |
| Retained earnings to average equity (ytd only) | 9.0625% | 978 |
| Net charge-offs to loans | 0.1046% | 2,752 |
| Credit loss provision to net charge-offs | 247.7477% | 1,064 |
| Earnings coverage of net charge-offs (x) | 33.0442% | 1,288 |
| Efficiency ratio | 63.9579% | 4,547 |
| Assets per employee ($millions) | 3.4804% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4526% | 684 |
| Loan loss allowance to noncurrent loans | 230.5898% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 3,677 |
| Noncurrent loans to loans | 1.0636% | 2,950 |
| Net loans and leases to total assets | 54.9444% | 4,468 |
| Net loans and leases to deposits | 74.0430% | 3,427 |
| Net loans and leases to core deposits | 82.9441% | 3,011 |
| Total domestic deposits to total assets | 74.2061% | 6,002 |
| Equity capital to assets | 14.2864% | 919 |
| Core capital (leverage) ratio | 14.5138% | 718 |
| Tier 1 risk-based capital ratio | 20.7877% | 1,496 |
| Total risk-based capital ratio | 22.0477% | 1,464 |
| Memoranda: | ||
| Average total assets | $244,748,750 | 2,585 |
| Average earning assets | $221,475,250 | 2,619 |
| Average equity | $35,353,750 | 1,986 |
| Average total loans | $141,438,250 | 2,706 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4522% | 338 |
| Cost of funding earning assets | 0.3093% | 4,886 |
| Net interest margin | 5.1429% | 221 |
| Noninterest income to average assets | 1.0055% | 1,184 |
| Noninterest expense to average assets | 3.5180% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5111% | 851 |
| Return on assets (ROA) | 1.5111% | 890 |
| Pretax return on assets | 2.1341% | 417 |
| Return on Equity (ROE) | 10.4206% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.4206% | 629 |
| Net charge-offs to loans | 0.0656% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 55.7826% | 853 |
| Efficiency ratio | 62.2425% | 4,974 |
| Assets per employee ($millions) | 3.2810% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3490% | 851 |
| Loan loss allowance to noncurrent loans | 262.7943% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 4,102 |
| Noncurrent loans to loans | 0.8938% | 3,465 |
| Net loans and leases to total assets | 58.1099% | 3,978 |
| Net loans and leases to deposits | 71.3023% | 3,671 |
| Net loans and leases to core deposits | 79.3865% | 3,275 |
| Total domestic deposits to total assets | 81.4980% | 4,813 |
| Equity capital to assets | 15.0625% | 686 |
| Core capital (leverage) ratio | 14.4989% | 703 |
| Tier 1 risk-based capital ratio | 21.2704% | 1,395 |
| Total risk-based capital ratio | 22.5302% | 1,363 |
| Memoranda: | ||
| Average total assets | $240,480,670 | 2,635 |
| Average earning assets | $217,271,670 | 2,666 |
| Average equity | $34,873,330 | 2,001 |
| Average total loans | $140,228,000 | 2,726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 385 |
| Cost of funding earning assets | 0.3108% | 4,957 |
| Net interest margin | 5.0331% | 254 |
| Noninterest income to average assets | 0.8914% | 1,420 |
| Noninterest expense to average assets | 3.3466% | 1,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7613% | 513 |
| Return on assets (ROA) | 1.7613% | 529 |
| Pretax return on assets | 2.0883% | 435 |
| Return on Equity (ROE) | 12.3835% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.3835% | 563 |
| Net charge-offs to loans | 0.0345% | 2,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 104.8333% | 439 |
| Efficiency ratio | 61.5761% | 5,190 |
| Assets per employee ($millions) | 3.5800% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 891 |
| Loan loss allowance to noncurrent loans | 195.4913% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9793% | 3,304 |
| Noncurrent loans to loans | 1.2374% | 2,976 |
| Net loans and leases to total assets | 55.2285% | 4,249 |
| Net loans and leases to deposits | 68.1660% | 3,840 |
| Net loans and leases to core deposits | 75.7253% | 3,433 |
| Total domestic deposits to total assets | 81.0206% | 5,228 |
| Equity capital to assets | 14.1709% | 865 |
| Core capital (leverage) ratio | 14.1122% | 784 |
| Tier 1 risk-based capital ratio | 20.7455% | 1,527 |
| Total risk-based capital ratio | 22.0055% | 1,498 |
| Memoranda: | ||
| Average total assets | $240,963,500 | 2,634 |
| Average earning assets | $217,520,000 | 2,671 |
| Average equity | $34,271,500 | 2,020 |
| Average total loans | $139,077,000 | 2,751 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5378% | 340 |
| Cost of funding earning assets | 0.3487% | 5,147 |
| Net interest margin | 5.1891% | 218 |
| Noninterest income to average assets | 0.9555% | 1,509 |
| Noninterest expense to average assets | 3.6714% | 1,333 |
| Loan and lease loss provision to assets | 0.4535% | 635 |
| Net operating income to assets | 1.1438% | 1,784 |
| Return on assets (ROA) | 1.2229% | 1,545 |
| Pretax return on assets | 1.6310% | 1,096 |
| Return on Equity (ROE) | 8.0712% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.1106% | 2,520 |
| Net charge-offs to loans | 0.4291% | 1,557 |
| Credit loss provision to net charge-offs | 185.2727% | 1,233 |
| Earnings coverage of net charge-offs (x) | 8.0855% | 2,732 |
| Efficiency ratio | 64.9760% | 4,737 |
| Assets per employee ($millions) | 3.4044% | 5,075 |
| Cash dividends to net income (ytd only)* | 36.6812% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4533% | 873 |
| Loan loss allowance to noncurrent loans | 188.6604% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 3,528 |
| Noncurrent loans to loans | 1.3004% | 2,962 |
| Net loans and leases to total assets | 57.4494% | 4,131 |
| Net loans and leases to deposits | 71.2889% | 3,620 |
| Net loans and leases to core deposits | 80.5679% | 3,057 |
| Total domestic deposits to total assets | 80.5867% | 5,294 |
| Equity capital to assets | 14.2772% | 835 |
| Core capital (leverage) ratio | 14.1604% | 786 |
| Tier 1 risk-based capital ratio | 20.6094% | 1,511 |
| Total risk-based capital ratio | 21.8701% | 1,484 |
| Memoranda: | ||
| Average total assets | $224,707,000 | 2,768 |
| Average earning assets | $203,312,600 | 2,795 |
| Average equity | $34,047,000 | 2,023 |
| Average total loans | $128,188,200 | 2,888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 348 |
| Cost of funding earning assets | 0.3518% | 5,275 |
| Net interest margin | 5.1806% | 221 |
| Noninterest income to average assets | 0.9645% | 1,567 |
| Noninterest expense to average assets | 3.4179% | 1,786 |
| Loan and lease loss provision to assets | 0.3379% | 965 |
| Net operating income to assets | 1.3798% | 1,149 |
| Return on assets (ROA) | 1.4320% | 1,081 |
| Pretax return on assets | 1.9727% | 613 |
| Return on Equity (ROE) | 9.3089% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.3089% | 965 |
| Net charge-offs to loans | 0.1443% | 3,099 |
| Credit loss provision to net charge-offs | 413.9706% | 646 |
| Earnings coverage of net charge-offs (x) | 27.4336% | 1,311 |
| Efficiency ratio | 60.4180% | 5,369 |
| Assets per employee ($millions) | 3.3908% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4619% | 975 |
| Loan loss allowance to noncurrent loans | 294.4640% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 4,543 |
| Noncurrent loans to loans | 0.8360% | 4,161 |
| Net loans and leases to total assets | 57.5799% | 4,081 |
| Net loans and leases to deposits | 69.9615% | 3,791 |
| Net loans and leases to core deposits | 78.2035% | 3,334 |
| Total domestic deposits to total assets | 82.3022% | 4,829 |
| Equity capital to assets | 14.9022% | 729 |
| Core capital (leverage) ratio | 14.2840% | 791 |
| Tier 1 risk-based capital ratio | 21.1017% | 1,477 |
| Total risk-based capital ratio | 22.3633% | 1,451 |
| Memoranda: | ||
| Average total assets | $222,157,250 | 2,815 |
| Average earning assets | $201,233,250 | 2,836 |
| Average equity | $34,174,250 | 2,028 |
| Average total loans | $125,648,750 | 2,948 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 381 |
| Cost of funding earning assets | 0.3511% | 5,395 |
| Net interest margin | 5.1390% | 232 |
| Noninterest income to average assets | 1.0239% | 1,454 |
| Noninterest expense to average assets | 3.2806% | 2,127 |
| Loan and lease loss provision to assets | 0.2261% | 1,673 |
| Net operating income to assets | 1.6346% | 701 |
| Return on assets (ROA) | 1.7160% | 659 |
| Pretax return on assets | 2.2831% | 356 |
| Return on Equity (ROE) | 11.0342% | 1,802 |
| Retained earnings to average equity (ytd only) | 11.0342% | 636 |
| Net charge-offs to loans | 0.0131% | 4,590 |
| Credit loss provision to net charge-offs | 3,100.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 329.1250% | 154 |
| Efficiency ratio | 57.7435% | 5,774 |
| Assets per employee ($millions) | 3.2822% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4796% | 1,004 |
| Loan loss allowance to noncurrent loans | 458.5507% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 4,991 |
| Noncurrent loans to loans | 0.5407% | 4,901 |
| Net loans and leases to total assets | 54.9460% | 4,456 |
| Net loans and leases to deposits | 66.1368% | 4,251 |
| Net loans and leases to core deposits | 73.9182% | 3,822 |
| Total domestic deposits to total assets | 83.0794% | 4,672 |
| Equity capital to assets | 15.1509% | 684 |
| Core capital (leverage) ratio | 14.9427% | 621 |
| Tier 1 risk-based capital ratio | 23.3468% | 1,083 |
| Total risk-based capital ratio | 24.6086% | 1,064 |
| Memoranda: | ||
| Average total assets | $219,350,670 | 2,851 |
| Average earning assets | $198,792,330 | 2,882 |
| Average equity | $34,112,000 | 2,040 |
| Average total loans | $122,159,330 | 3,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 398 |
| Cost of funding earning assets | 0.3531% | 5,504 |
| Net interest margin | 5.0927% | 241 |
| Noninterest income to average assets | 0.9936% | 1,477 |
| Noninterest expense to average assets | 3.4367% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8741% | 423 |
| Return on assets (ROA) | 1.8741% | 461 |
| Pretax return on assets | 2.1558% | 449 |
| Return on Equity (ROE) | 11.8901% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.8901% | 720 |
| Net charge-offs to loans | -0.0770% | 6,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4518% | 5,381 |
| Assets per employee ($millions) | 3.3406% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4604% | 1,164 |
| Loan loss allowance to noncurrent loans | 213.6232% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 4,350 |
| Noncurrent loans to loans | 1.1517% | 3,855 |
| Net loans and leases to total assets | 52.2156% | 4,676 |
| Net loans and leases to deposits | 62.9433% | 4,430 |
| Net loans and leases to core deposits | 70.2876% | 4,043 |
| Total domestic deposits to total assets | 82.9565% | 4,867 |
| Equity capital to assets | 15.3988% | 661 |
| Core capital (leverage) ratio | 15.0292% | 590 |
| Tier 1 risk-based capital ratio | 23.8928% | 1,033 |
| Total risk-based capital ratio | 25.1542% | 1,010 |
| Memoranda: | ||
| Average total assets | $215,788,500 | 2,923 |
| Average earning assets | $194,868,500 | 2,958 |
| Average equity | $34,011,500 | 2,075 |
| Average total loans | $119,437,500 | 3,097 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8065% | 361 |
| Cost of funding earning assets | 0.4950% | 5,251 |
| Net interest margin | 5.3115% | 232 |
| Noninterest income to average assets | 0.8260% | 2,151 |
| Noninterest expense to average assets | 3.5945% | 1,624 |
| Loan and lease loss provision to assets | 0.4469% | 1,413 |
| Net operating income to assets | 1.2108% | 1,568 |
| Return on assets (ROA) | 1.2108% | 1,733 |
| Pretax return on assets | 1.5705% | 1,461 |
| Return on Equity (ROE) | 7.7002% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.7462% | 2,886 |
| Net charge-offs to loans | 0.7329% | 1,605 |
| Credit loss provision to net charge-offs | 107.0455% | 2,770 |
| Earnings coverage of net charge-offs (x) | 4.8318% | 3,237 |
| Efficiency ratio | 64.0514% | 4,875 |
| Assets per employee ($millions) | 2.9261% | 6,117 |
| Cash dividends to net income (ytd only)* | 38.3621% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4568% | 1,176 |
| Loan loss allowance to noncurrent loans | 198.0366% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 4,354 |
| Noncurrent loans to loans | 1.2406% | 3,772 |
| Net loans and leases to total assets | 55.8985% | 4,309 |
| Net loans and leases to deposits | 68.1810% | 3,957 |
| Net loans and leases to core deposits | 75.6693% | 3,582 |
| Total domestic deposits to total assets | 81.9855% | 5,104 |
| Equity capital to assets | 16.1522% | 529 |
| Core capital (leverage) ratio | 15.0785% | 557 |
| Tier 1 risk-based capital ratio | 23.8999% | 984 |
| Total risk-based capital ratio | 25.1618% | 964 |
| Memoranda: | ||
| Average total assets | $210,766,600 | 2,916 |
| Average earning assets | $189,907,200 | 2,957 |
| Average equity | $33,142,200 | 2,077 |
| Average total loans | $120,069,400 | 3,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 385 |
| Cost of funding earning assets | 0.5237% | 5,284 |
| Net interest margin | 5.3010% | 242 |
| Noninterest income to average assets | 0.8913% | 1,862 |
| Noninterest expense to average assets | 3.3705% | 2,085 |
| Loan and lease loss provision to assets | 0.1828% | 3,306 |
| Net operating income to assets | 1.4737% | 1,069 |
| Return on assets (ROA) | 1.4737% | 1,191 |
| Pretax return on assets | 2.1104% | 559 |
| Return on Equity (ROE) | 9.4352% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.4352% | 1,083 |
| Net charge-offs to loans | 0.2316% | 3,331 |
| Credit loss provision to net charge-offs | 138.7560% | 2,082 |
| Earnings coverage of net charge-offs (x) | 17.4067% | 1,627 |
| Efficiency ratio | 59.5103% | 5,579 |
| Assets per employee ($millions) | 3.1743% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4090% | 1,345 |
| Loan loss allowance to noncurrent loans | 170.0751% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 4,040 |
| Noncurrent loans to loans | 1.4164% | 3,677 |
| Net loans and leases to total assets | 56.0768% | 4,438 |
| Net loans and leases to deposits | 68.5223% | 4,093 |
| Net loans and leases to core deposits | 75.6716% | 3,768 |
| Total domestic deposits to total assets | 81.8373% | 5,077 |
| Equity capital to assets | 16.1474% | 578 |
| Core capital (leverage) ratio | 15.3622% | 555 |
| Tier 1 risk-based capital ratio | 22.9779% | 1,176 |
| Total risk-based capital ratio | 24.2386% | 1,148 |
| Memoranda: | ||
| Average total assets | $211,519,500 | 2,939 |
| Average earning assets | $190,425,000 | 2,985 |
| Average equity | $33,038,500 | 2,104 |
| Average total loans | $120,322,500 | 3,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7464% | 441 |
| Cost of funding earning assets | 0.5568% | 5,252 |
| Net interest margin | 5.1896% | 292 |
| Noninterest income to average assets | 0.9738% | 1,535 |
| Noninterest expense to average assets | 3.3514% | 2,151 |
| Loan and lease loss provision to assets | 0.1800% | 3,300 |
| Net operating income to assets | 1.4645% | 1,056 |
| Return on assets (ROA) | 1.4645% | 1,191 |
| Pretax return on assets | 2.1219% | 559 |
| Return on Equity (ROE) | 9.4835% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.4835% | 1,119 |
| Net charge-offs to loans | 0.1905% | 3,440 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 21.3158% | 1,349 |
| Efficiency ratio | 59.2828% | 5,697 |
| Assets per employee ($millions) | 3.1815% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4550% | 1,347 |
| Loan loss allowance to noncurrent loans | 240.1144% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 4,468 |
| Noncurrent loans to loans | 1.0224% | 4,465 |
| Net loans and leases to total assets | 54.7828% | 4,664 |
| Net loans and leases to deposits | 66.4066% | 4,458 |
| Net loans and leases to core deposits | 73.1401% | 4,149 |
| Total domestic deposits to total assets | 82.4961% | 4,953 |
| Equity capital to assets | 15.6898% | 642 |
| Core capital (leverage) ratio | 14.7242% | 646 |
| Tier 1 risk-based capital ratio | 22.7124% | 1,171 |
| Total risk-based capital ratio | 23.9733% | 1,153 |
| Memoranda: | ||
| Average total assets | $211,133,330 | 2,957 |
| Average earning assets | $190,380,000 | 2,992 |
| Average equity | $32,604,000 | 2,112 |
| Average total loans | $119,694,330 | 3,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7743% | 447 |
| Cost of funding earning assets | 0.5899% | 5,215 |
| Net interest margin | 5.1844% | 298 |
| Noninterest income to average assets | 0.9956% | 1,435 |
| Noninterest expense to average assets | 3.1677% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1340% | 328 |
| Return on assets (ROA) | 2.1340% | 382 |
| Pretax return on assets | 2.4957% | 334 |
| Return on Equity (ROE) | 13.9324% | 1,201 |
| Retained earnings to average equity (ytd only) | 13.9324% | 573 |
| Net charge-offs to loans | 0.1404% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 31.2143% | 895 |
| Efficiency ratio | 55.9328% | 6,129 |
| Assets per employee ($millions) | 3.2602% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3984% | 1,509 |
| Loan loss allowance to noncurrent loans | 177.4214% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0977% | 4,295 |
| Noncurrent loans to loans | 1.3518% | 4,088 |
| Net loans and leases to total assets | 53.3517% | 4,828 |
| Net loans and leases to deposits | 64.2257% | 4,600 |
| Net loans and leases to core deposits | 70.6156% | 4,334 |
| Total domestic deposits to total assets | 83.0691% | 4,898 |
| Equity capital to assets | 15.1891% | 713 |
| Core capital (leverage) ratio | 14.8453% | 628 |
| Tier 1 risk-based capital ratio | 22.5738% | 1,194 |
| Total risk-based capital ratio | 23.8340% | 1,170 |
| Memoranda: | ||
| Average total assets | $210,121,000 | 2,988 |
| Average earning assets | $189,182,000 | 3,026 |
| Average equity | $32,184,000 | 2,138 |
| Average total loans | $119,685,000 | 3,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2856% | 263 |
| Cost of funding earning assets | 0.7307% | 5,335 |
| Net interest margin | 5.5549% | 161 |
| Noninterest income to average assets | 1.2942% | 768 |
| Noninterest expense to average assets | 3.6723% | 1,589 |
| Loan and lease loss provision to assets | 0.8837% | 1,094 |
| Net operating income to assets | 1.2812% | 1,291 |
| Return on assets (ROA) | 1.3130% | 1,316 |
| Pretax return on assets | 1.7487% | 898 |
| Return on Equity (ROE) | 8.5884% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.4477% | 2,338 |
| Net charge-offs to loans | 1.4186% | 1,150 |
| Credit loss provision to net charge-offs | 101.9373% | 3,406 |
| Earnings coverage of net charge-offs (x) | 2.9875% | 3,712 |
| Efficiency ratio | 58.6416% | 5,956 |
| Assets per employee ($millions) | 3.2042% | 5,699 |
| Cash dividends to net income (ytd only)* | 36.5688% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3515% | 1,542 |
| Loan loss allowance to noncurrent loans | 291.2513% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 4,977 |
| Noncurrent loans to loans | 0.8074% | 5,076 |
| Net loans and leases to total assets | 57.9744% | 4,373 |
| Net loans and leases to deposits | 70.5025% | 4,020 |
| Net loans and leases to core deposits | 77.4422% | 3,758 |
| Total domestic deposits to total assets | 82.2303% | 5,050 |
| Equity capital to assets | 15.4510% | 685 |
| Core capital (leverage) ratio | 14.4875% | 715 |
| Tier 1 risk-based capital ratio | 21.4359% | 1,334 |
| Total risk-based capital ratio | 22.6961% | 1,305 |
| Memoranda: | ||
| Average total assets | $202,435,200 | 3,032 |
| Average earning assets | $181,047,600 | 3,075 |
| Average equity | $30,948,600 | 2,133 |
| Average total loans | $123,712,000 | 3,109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3328% | 257 |
| Cost of funding earning assets | 0.7563% | 5,428 |
| Net interest margin | 5.5765% | 159 |
| Noninterest income to average assets | 1.3553% | 711 |
| Noninterest expense to average assets | 3.4037% | 2,180 |
| Loan and lease loss provision to assets | 0.6145% | 1,600 |
| Net operating income to assets | 1.5763% | 810 |
| Return on assets (ROA) | 1.6149% | 824 |
| Pretax return on assets | 2.3781% | 311 |
| Return on Equity (ROE) | 10.5920% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.5920% | 706 |
| Net charge-offs to loans | 0.9865% | 1,634 |
| Credit loss provision to net charge-offs | 101.1970% | 3,314 |
| Earnings coverage of net charge-offs (x) | 4.8346% | 2,951 |
| Efficiency ratio | 53.6898% | 6,523 |
| Assets per employee ($millions) | 3.2089% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3043% | 1,682 |
| Loan loss allowance to noncurrent loans | 319.8198% | 984 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 4,677 |
| Noncurrent loans to loans | 0.7205% | 5,435 |
| Net loans and leases to total assets | 58.6299% | 4,388 |
| Net loans and leases to deposits | 71.2118% | 4,104 |
| Net loans and leases to core deposits | 78.2016% | 3,873 |
| Total domestic deposits to total assets | 82.3317% | 4,964 |
| Equity capital to assets | 15.8048% | 668 |
| Core capital (leverage) ratio | 14.8772% | 692 |
| Tier 1 risk-based capital ratio | 21.9424% | 1,299 |
| Total risk-based capital ratio | 23.2019% | 1,270 |
| Memoranda: | ||
| Average total assets | $201,777,000 | 3,054 |
| Average earning assets | $180,347,250 | 3,103 |
| Average equity | $30,764,500 | 2,153 |
| Average total loans | $124,202,500 | 3,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3839% | 244 |
| Cost of funding earning assets | 0.7711% | 5,557 |
| Net interest margin | 5.6128% | 147 |
| Noninterest income to average assets | 1.3979% | 653 |
| Noninterest expense to average assets | 3.3463% | 2,415 |
| Loan and lease loss provision to assets | 0.4786% | 2,069 |
| Net operating income to assets | 1.8729% | 429 |
| Return on assets (ROA) | 1.9224% | 413 |
| Pretax return on assets | 2.6643% | 195 |
| Return on Equity (ROE) | 12.7682% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.7682% | 410 |
| Net charge-offs to loans | 0.8962% | 1,736 |
| Credit loss provision to net charge-offs | 86.0215% | 3,586 |
| Earnings coverage of net charge-offs (x) | 5.5251% | 2,599 |
| Efficiency ratio | 52.1199% | 6,778 |
| Assets per employee ($millions) | 3.3612% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,885 |
| Loan loss allowance to noncurrent loans | 217.1271% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 4,801 |
| Noncurrent loans to loans | 1.0205% | 4,953 |
| Net loans and leases to total assets | 59.2131% | 4,423 |
| Net loans and leases to deposits | 71.3563% | 4,225 |
| Net loans and leases to core deposits | 78.4212% | 4,003 |
| Total domestic deposits to total assets | 82.9823% | 4,762 |
| Equity capital to assets | 15.3399% | 735 |
| Core capital (leverage) ratio | 14.8138% | 704 |
| Tier 1 risk-based capital ratio | 21.3266% | 1,358 |
| Total risk-based capital ratio | 22.5851% | 1,342 |
| Memoranda: | ||
| Average total assets | $200,580,000 | 3,094 |
| Average earning assets | $179,482,330 | 3,144 |
| Average equity | $30,200,000 | 2,177 |
| Average total loans | $124,521,000 | 3,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4216% | 239 |
| Cost of funding earning assets | 0.7886% | 5,620 |
| Net interest margin | 5.6330% | 134 |
| Noninterest income to average assets | 1.0970% | 1,087 |
| Noninterest expense to average assets | 3.3435% | 2,430 |
| Loan and lease loss provision to assets | 0.2541% | 3,115 |
| Net operating income to assets | 2.1544% | 278 |
| Return on assets (ROA) | 2.2727% | 251 |
| Pretax return on assets | 2.6801% | 202 |
| Return on Equity (ROE) | 15.2431% | 785 |
| Retained earnings to average equity (ytd only) | 15.2431% | 367 |
| Net charge-offs to loans | 0.1828% | 3,395 |
| Credit loss provision to net charge-offs | 221.0526% | 1,371 |
| Earnings coverage of net charge-offs (x) | 24.3158% | 985 |
| Efficiency ratio | 54.4678% | 6,650 |
| Assets per employee ($millions) | 3.3440% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3477% | 1,688 |
| Loan loss allowance to noncurrent loans | 469.6921% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 5,459 |
| Noncurrent loans to loans | 0.4998% | 6,021 |
| Net loans and leases to total assets | 59.0952% | 4,446 |
| Net loans and leases to deposits | 70.6098% | 4,253 |
| Net loans and leases to core deposits | 77.6209% | 4,075 |
| Total domestic deposits to total assets | 83.6926% | 4,626 |
| Equity capital to assets | 14.7749% | 817 |
| Core capital (leverage) ratio | 14.7498% | 703 |
| Tier 1 risk-based capital ratio | 20.8828% | 1,418 |
| Total risk-based capital ratio | 22.1430% | 1,393 |
| Memoranda: | ||
| Average total assets | $198,353,000 | 3,136 |
| Average earning assets | $177,526,500 | 3,188 |
| Average equity | $29,574,000 | 2,202 |
| Average total loans | $124,702,500 | 3,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7835% | 206 |
| Cost of funding earning assets | 1.0005% | 5,685 |
| Net interest margin | 5.7830% | 122 |
| Noninterest income to average assets | 0.8840% | 1,914 |
| Noninterest expense to average assets | 3.7804% | 1,523 |
| Loan and lease loss provision to assets | 0.6823% | 2,417 |
| Net operating income to assets | 1.1892% | 1,440 |
| Return on assets (ROA) | 1.2612% | 1,333 |
| Pretax return on assets | 1.6522% | 1,032 |
| Return on Equity (ROE) | 8.3958% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.0662% | 2,371 |
| Net charge-offs to loans | 0.7248% | 2,841 |
| Credit loss provision to net charge-offs | 150.5108% | 2,401 |
| Earnings coverage of net charge-offs (x) | 4.9410% | 2,760 |
| Efficiency ratio | 62.7949% | 5,557 |
| Assets per employee ($millions) | 3.2121% | 5,640 |
| Cash dividends to net income (ytd only)* | 39.6573% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,784 |
| Loan loss allowance to noncurrent loans | 215.7895% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 4,877 |
| Noncurrent loans to loans | 1.0408% | 4,988 |
| Net loans and leases to total assets | 63.8916% | 3,897 |
| Net loans and leases to deposits | 77.2093% | 3,636 |
| Net loans and leases to core deposits | 84.7693% | 3,484 |
| Total domestic deposits to total assets | 82.7511% | 4,909 |
| Equity capital to assets | 15.0525% | 774 |
| Core capital (leverage) ratio | 14.5044% | 747 |
| Tier 1 risk-based capital ratio | 20.0047% | 1,486 |
| Total risk-based capital ratio | 21.2643% | 1,458 |
| Memoranda: | ||
| Average total assets | $194,345,400 | 3,171 |
| Average earning assets | $172,610,800 | 3,233 |
| Average equity | $29,193,200 | 2,230 |
| Average total loans | $121,549,000 | 3,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7981% | 204 |
| Cost of funding earning assets | 1.0398% | 5,744 |
| Net interest margin | 5.7584% | 123 |
| Noninterest income to average assets | 1.0037% | 1,455 |
| Noninterest expense to average assets | 3.3512% | 2,427 |
| Loan and lease loss provision to assets | 0.5990% | 2,549 |
| Net operating income to assets | 1.5256% | 874 |
| Return on assets (ROA) | 1.6150% | 795 |
| Pretax return on assets | 2.2866% | 352 |
| Return on Equity (ROE) | 10.7570% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.7570% | 641 |
| Net charge-offs to loans | 0.4572% | 3,466 |
| Credit loss provision to net charge-offs | 211.8644% | 1,655 |
| Earnings coverage of net charge-offs (x) | 9.7603% | 1,967 |
| Efficiency ratio | 54.8398% | 6,706 |
| Assets per employee ($millions) | 3.2028% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 1,665 |
| Loan loss allowance to noncurrent loans | 2,541.0714% | 141 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 5,044 |
| Noncurrent loans to loans | 0.0894% | 7,009 |
| Net loans and leases to total assets | 63.6971% | 4,180 |
| Net loans and leases to deposits | 77.8412% | 3,856 |
| Net loans and leases to core deposits | 85.8682% | 3,679 |
| Total domestic deposits to total assets | 81.8295% | 5,064 |
| Equity capital to assets | 15.9479% | 689 |
| Core capital (leverage) ratio | 14.8417% | 745 |
| Tier 1 risk-based capital ratio | 20.8449% | 1,386 |
| Total risk-based capital ratio | 22.1049% | 1,365 |
| Memoranda: | ||
| Average total assets | $194,750,500 | 3,209 |
| Average earning assets | $172,729,250 | 3,272 |
| Average equity | $29,239,000 | 2,259 |
| Average total loans | $120,445,250 | 3,360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7551% | 220 |
| Cost of funding earning assets | 1.0850% | 5,757 |
| Net interest margin | 5.6701% | 138 |
| Noninterest income to average assets | 1.0081% | 1,358 |
| Noninterest expense to average assets | 3.2483% | 2,733 |
| Loan and lease loss provision to assets | 0.4693% | 2,970 |
| Net operating income to assets | 1.6304% | 680 |
| Return on assets (ROA) | 1.6369% | 715 |
| Pretax return on assets | 2.3168% | 327 |
| Return on Equity (ROE) | 11.1298% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.1298% | 628 |
| Net charge-offs to loans | 0.1414% | 4,816 |
| Credit loss provision to net charge-offs | 546.4286% | 675 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 870 |
| Efficiency ratio | 53.9114% | 6,891 |
| Assets per employee ($millions) | 3.3938% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 1,620 |
| Loan loss allowance to noncurrent loans | 660.0478% | 504 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 4,546 |
| Noncurrent loans to loans | 0.3456% | 6,544 |
| Net loans and leases to total assets | 60.0387% | 5,050 |
| Net loans and leases to deposits | 73.7319% | 4,718 |
| Net loans and leases to core deposits | 81.4702% | 4,498 |
| Total domestic deposits to total assets | 81.4284% | 5,228 |
| Equity capital to assets | 15.0474% | 871 |
| Core capital (leverage) ratio | 14.2879% | 857 |
| Tier 1 risk-based capital ratio | 20.5299% | 1,427 |
| Total risk-based capital ratio | 21.7888% | 1,393 |
| Memoranda: | ||
| Average total assets | $195,611,000 | 3,225 |
| Average earning assets | $173,083,670 | 3,293 |
| Average equity | $28,769,670 | 2,280 |
| Average total loans | $118,843,000 | 3,421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6666% | 278 |
| Cost of funding earning assets | 1.1411% | 5,692 |
| Net interest margin | 5.5256% | 173 |
| Noninterest income to average assets | 1.0236% | 1,224 |
| Noninterest expense to average assets | 3.2041% | 2,848 |
| Loan and lease loss provision to assets | 0.3959% | 2,993 |
| Net operating income to assets | 2.0491% | 322 |
| Return on assets (ROA) | 2.0657% | 341 |
| Pretax return on assets | 2.2995% | 350 |
| Return on Equity (ROE) | 14.2106% | 1,014 |
| Retained earnings to average equity (ytd only) | 14.2106% | 484 |
| Net charge-offs to loans | -0.0407% | 7,290 |
| Credit loss provision to net charge-offs | -1,608.3333% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4820% | 6,928 |
| Assets per employee ($millions) | 3.4793% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,726 |
| Loan loss allowance to noncurrent loans | 326.0705% | 929 |
| Noncurrent assets plus other real estate owned to assets | 1.8541% | 3,703 |
| Noncurrent loans to loans | 0.6785% | 5,977 |
| Net loans and leases to total assets | 57.7004% | 5,496 |
| Net loans and leases to deposits | 68.6072% | 5,521 |
| Net loans and leases to core deposits | 75.7983% | 5,286 |
| Total domestic deposits to total assets | 84.1025% | 4,100 |
| Equity capital to assets | 14.5315% | 992 |
| Core capital (leverage) ratio | 14.0928% | 936 |
| Tier 1 risk-based capital ratio | 20.2968% | 1,466 |
| Total risk-based capital ratio | 21.5549% | 1,432 |
| Memoranda: | ||
| Average total assets | $194,997,500 | 3,288 |
| Average earning assets | $171,421,000 | 3,380 |
| Average equity | $28,345,000 | 2,344 |
| Average total loans | $117,795,500 | 3,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8478% | 352 |
| Cost of funding earning assets | 1.5699% | 5,186 |
| Net interest margin | 5.2779% | 253 |
| Noninterest income to average assets | 0.9100% | 1,908 |
| Noninterest expense to average assets | 3.5966% | 2,155 |
| Loan and lease loss provision to assets | 0.7389% | 2,896 |
| Net operating income to assets | 0.9892% | 1,873 |
| Return on assets (ROA) | 1.0135% | 1,845 |
| Pretax return on assets | 1.3019% | 1,689 |
| Return on Equity (ROE) | 6.9739% | 2,798 |
| Retained earnings to average equity (ytd only) | 3.5724% | 2,678 |
| Net charge-offs to loans | 1.1595% | 2,110 |
| Credit loss provision to net charge-offs | 99.6439% | 5,595 |
| Earnings coverage of net charge-offs (x) | 2.7101% | 3,747 |
| Efficiency ratio | 64.1545% | 5,748 |
| Assets per employee ($millions) | 3.4228% | 5,202 |
| Cash dividends to net income (ytd only)* | 48.7754% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0106% | 1,993 |
| Loan loss allowance to noncurrent loans | 1,078.7330% | 345 |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 3,718 |
| Noncurrent loans to loans | 0.1864% | 6,957 |
| Net loans and leases to total assets | 60.6165% | 5,248 |
| Net loans and leases to deposits | 72.6358% | 5,241 |
| Net loans and leases to core deposits | 99.7562% | 4,030 |
| Total domestic deposits to total assets | 83.4526% | 4,302 |
| Equity capital to assets | 14.5408% | 1,013 |
| Core capital (leverage) ratio | 14.0102% | 977 |
| Tier 1 risk-based capital ratio | 19.4401% | 1,569 |
| Total risk-based capital ratio | 20.6963% | 1,528 |
| Memoranda: | ||
| Average total assets | $189,344,600 | 3,293 |
| Average earning assets | $168,476,800 | 3,376 |
| Average equity | $27,516,800 | 2,415 |
| Average total loans | $121,087,000 | 3,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7821% | 433 |
| Cost of funding earning assets | 1.6610% | 5,102 |
| Net interest margin | 5.1211% | 347 |
| Noninterest income to average assets | 1.1294% | 1,230 |
| Noninterest expense to average assets | 3.5147% | 2,243 |
| Loan and lease loss provision to assets | 0.5001% | 3,393 |
| Net operating income to assets | 1.1442% | 1,597 |
| Return on assets (ROA) | 1.1655% | 1,609 |
| Pretax return on assets | 1.7284% | 915 |
| Return on Equity (ROE) | 8.0207% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.0207% | 1,129 |
| Net charge-offs to loans | 0.4458% | 3,448 |
| Credit loss provision to net charge-offs | 173.9558% | 2,664 |
| Earnings coverage of net charge-offs (x) | 7.6413% | 2,375 |
| Efficiency ratio | 61.5385% | 6,185 |
| Assets per employee ($millions) | 3.3988% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,425 |
| Loan loss allowance to noncurrent loans | 89.6632% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 2.6984% | 2,580 |
| Noncurrent loans to loans | 2.4516% | 3,076 |
| Net loans and leases to total assets | 62.8575% | 5,095 |
| Net loans and leases to deposits | 76.7397% | 4,935 |
| Net loans and leases to core deposits | 106.1317% | 3,687 |
| Total domestic deposits to total assets | 81.9100% | 4,706 |
| Equity capital to assets | 15.0458% | 992 |
| Core capital (leverage) ratio | 14.2786% | 1,011 |
| Tier 1 risk-based capital ratio | 19.8683% | 1,588 |
| Total risk-based capital ratio | 21.1267% | 1,540 |
| Memoranda: | ||
| Average total assets | $188,762,250 | 3,324 |
| Average earning assets | $168,892,500 | 3,389 |
| Average equity | $27,428,250 | 2,442 |
| Average total loans | $121,716,250 | 3,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6762% | 567 |
| Cost of funding earning assets | 1.7690% | 4,912 |
| Net interest margin | 4.9072% | 528 |
| Noninterest income to average assets | 1.1092% | 1,289 |
| Noninterest expense to average assets | 3.4286% | 2,542 |
| Loan and lease loss provision to assets | 0.1328% | 5,763 |
| Net operating income to assets | 1.4960% | 844 |
| Return on assets (ROA) | 1.4960% | 903 |
| Pretax return on assets | 1.9422% | 643 |
| Return on Equity (ROE) | 10.4199% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.4199% | 649 |
| Net charge-offs to loans | 0.0724% | 5,492 |
| Credit loss provision to net charge-offs | 284.0909% | 1,650 |
| Earnings coverage of net charge-offs (x) | 44.3864% | 754 |
| Efficiency ratio | 62.2973% | 6,203 |
| Assets per employee ($millions) | 3.4499% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 1,518 |
| Loan loss allowance to noncurrent loans | 50.3979% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.9508% | 2,163 |
| Noncurrent loans to loans | 4.0268% | 1,680 |
| Net loans and leases to total assets | 62.8419% | 5,209 |
| Net loans and leases to deposits | 75.0995% | 5,304 |
| Net loans and leases to core deposits | 103.9138% | 4,072 |
| Total domestic deposits to total assets | 83.6782% | 3,926 |
| Equity capital to assets | 14.6759% | 1,116 |
| Core capital (leverage) ratio | 14.2725% | 1,076 |
| Tier 1 risk-based capital ratio | 19.7805% | 1,621 |
| Total risk-based capital ratio | 21.0409% | 1,574 |
| Memoranda: | ||
| Average total assets | $188,239,000 | 3,358 |
| Average earning assets | $168,568,670 | 3,420 |
| Average equity | $27,025,330 | 2,474 |
| Average total loans | $121,512,670 | 3,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8882% | 417 |
| Cost of funding earning assets | 1.8658% | 4,806 |
| Net interest margin | 5.0224% | 381 |
| Noninterest income to average assets | 1.0667% | 1,306 |
| Noninterest expense to average assets | 3.5181% | 2,052 |
| Loan and lease loss provision to assets | 0.1344% | 5,238 |
| Net operating income to assets | 1.2908% | 1,402 |
| Return on assets (ROA) | 1.2908% | 1,497 |
| Pretax return on assets | 1.9052% | 787 |
| Return on Equity (ROE) | 9.0928% | 2,669 |
| Retained earnings to average equity (ytd only) | 9.0928% | 1,446 |
| Net charge-offs to loans | 0.1252% | 3,964 |
| Credit loss provision to net charge-offs | 165.7895% | 2,583 |
| Earnings coverage of net charge-offs (x) | 25.1579% | 1,215 |
| Efficiency ratio | 63.3013% | 5,812 |
| Assets per employee ($millions) | 3.3539% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 1,434 |
| Loan loss allowance to noncurrent loans | 255.9915% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 5,109 |
| Noncurrent loans to loans | 0.7793% | 5,488 |
| Net loans and leases to total assets | 62.0380% | 5,317 |
| Net loans and leases to deposits | 73.5747% | 5,531 |
| Net loans and leases to core deposits | 101.0609% | 4,432 |
| Total domestic deposits to total assets | 84.3197% | 3,548 |
| Equity capital to assets | 14.1236% | 1,328 |
| Core capital (leverage) ratio | 13.9099% | 1,206 |
| Tier 1 risk-based capital ratio | 19.2085% | 1,771 |
| Total risk-based capital ratio | 20.4675% | 1,732 |
| Memoranda: | ||
| Average total assets | $187,485,500 | 3,390 |
| Average earning assets | $167,650,000 | 3,457 |
| Average equity | $26,614,500 | 2,520 |
| Average total loans | $121,414,000 | 3,524 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6731% | 297 |
| Cost of funding earning assets | 2.3528% | 4,920 |
| Net interest margin | 5.3203% | 274 |
| Noninterest income to average assets | 1.3349% | 810 |
| Noninterest expense to average assets | 3.3348% | 2,857 |
| Loan and lease loss provision to assets | 0.3070% | 3,917 |
| Net operating income to assets | 2.3226% | 182 |
| Return on assets (ROA) | 0.6123% | 4,116 |
| Pretax return on assets | 0.6493% | 4,546 |
| Return on Equity (ROE) | 4.1820% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.6007% | 4,880 |
| Net charge-offs to loans | 0.2269% | 3,970 |
| Credit loss provision to net charge-offs | 210.7692% | 2,290 |
| Earnings coverage of net charge-offs (x) | 19.0577% | 1,662 |
| Efficiency ratio | 54.5746% | 7,203 |
| Assets per employee ($millions) | 3.1153% | 5,731 |
| Cash dividends to net income (ytd only)* | 85.6359% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 1,301 |
| Loan loss allowance to noncurrent loans | 620.5195% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,477 |
| Noncurrent loans to loans | 0.3161% | 6,426 |
| Net loans and leases to total assets | 64.9763% | 5,070 |
| Net loans and leases to deposits | 77.7226% | 5,376 |
| Net loans and leases to core deposits | 106.4744% | 4,134 |
| Total domestic deposits to total assets | 83.6002% | 3,532 |
| Equity capital to assets | 14.2703% | 1,360 |
| Core capital (leverage) ratio | 14.0728% | 1,244 |
| Tier 1 risk-based capital ratio | 18.8890% | 1,838 |
| Total risk-based capital ratio | 20.1451% | 1,791 |
| Memoranda: | ||
| Average total assets | $178,510,200 | 3,426 |
| Average earning assets | $160,234,400 | 3,470 |
| Average equity | $26,136,000 | 2,545 |
| Average total loans | $114,570,600 | 3,576 |