Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 3,308 |
| Cost of funding earning assets | 2.4255% | 986 |
| Net interest margin | 2.4600% | 4,062 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.1967% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9784% | 2,332 |
| Return on assets (ROA) | 1.0000% | 2,270 |
| Pretax return on assets | 1.1479% | 2,369 |
| Return on Equity (ROE) | 13.7400% | 1,330 |
| Retained earnings to average equity (ytd only) | -8.9713% | 4,224 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.5853% | 3,783 |
| Assets per employee ($millions) | 16.4271% | 167 |
| Cash dividends to net income (ytd only)* | 165.2893% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4069% | 4,305 |
| Loan loss allowance to noncurrent loans | 96,400.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,813 |
| Noncurrent loans to loans | 0.0004% | 3,780 |
| Net loans and leases to total assets | 24.3500% | 4,267 |
| Net loans and leases to deposits | 28.8050% | 4,275 |
| Net loans and leases to core deposits | 96.9069% | 1,566 |
| Total domestic deposits to total assets | 84.5300% | 2,761 |
| Equity capital to assets | 7.2237% | 3,950 |
| Core capital (leverage) ratio | 9.4877% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4808% | 622 |
| Memoranda: | ||
| Average total assets | $967,992,000 | 1,057 |
| Average earning assets | $857,227,000 | 1,101 |
| Average equity | $70,447,000 | 1,355 |
| Average total loans | $246,829,000 | 2,130 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 2,908 |
| Cost of funding earning assets | 2.6421% | 901 |
| Net interest margin | 2.4684% | 3,936 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 1.5220% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7093% | 2,950 |
| Return on assets (ROA) | 0.7735% | 2,784 |
| Pretax return on assets | 0.9108% | 2,769 |
| Return on Equity (ROE) | 9.8900% | 2,180 |
| Retained earnings to average equity (ytd only) | 4.2708% | 2,523 |
| Net charge-offs to loans | 0.1455% | 898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 20.7650% | 1,807 |
| Efficiency ratio | 64.5655% | 2,663 |
| Assets per employee ($millions) | 15.8490% | 186 |
| Cash dividends to net income (ytd only)* | 56.8343% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3755% | 4,337 |
| Loan loss allowance to noncurrent loans | 96,400.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,815 |
| Noncurrent loans to loans | 0.0004% | 3,783 |
| Net loans and leases to total assets | 26.4500% | 4,264 |
| Net loans and leases to deposits | 31.4935% | 4,270 |
| Net loans and leases to core deposits | 87.9693% | 2,259 |
| Total domestic deposits to total assets | 84.0000% | 2,785 |
| Equity capital to assets | 7.3317% | 3,845 |
| Core capital (leverage) ratio | 10.9673% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4436% | 562 |
| Memoranda: | ||
| Average total assets | $909,860,400 | 1,099 |
| Average earning assets | $803,706,200 | 1,135 |
| Average equity | $71,134,600 | 1,304 |
| Average total loans | $251,538,000 | 2,071 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 2,805 |
| Cost of funding earning assets | 2.6723% | 878 |
| Net interest margin | 2.4543% | 3,953 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 1.5394% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6644% | 3,065 |
| Return on assets (ROA) | 0.7381% | 2,892 |
| Pretax return on assets | 0.8715% | 2,873 |
| Return on Equity (ROE) | 9.2800% | 2,398 |
| Retained earnings to average equity (ytd only) | 1.7940% | 3,513 |
| Net charge-offs to loans | -0.0346% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.2333% | 2,457 |
| Assets per employee ($millions) | 14.3476% | 249 |
| Cash dividends to net income (ytd only)* | 80.6777% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 4,280 |
| Loan loss allowance to noncurrent loans | 708.1218% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,611 |
| Noncurrent loans to loans | 0.0775% | 3,302 |
| Net loans and leases to total assets | 27.5400% | 4,284 |
| Net loans and leases to deposits | 32.8168% | 4,294 |
| Net loans and leases to core deposits | 86.6711% | 2,372 |
| Total domestic deposits to total assets | 83.9100% | 2,618 |
| Equity capital to assets | 8.3132% | 3,517 |
| Core capital (leverage) ratio | 10.0456% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1142% | 585 |
| Memoranda: | ||
| Average total assets | $895,628,500 | 1,106 |
| Average earning assets | $791,369,250 | 1,151 |
| Average equity | $71,197,750 | 1,296 |
| Average total loans | $250,243,000 | 2,062 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 2,676 |
| Cost of funding earning assets | 2.5750% | 955 |
| Net interest margin | 2.5666% | 3,786 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 1.5399% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7406% | 2,821 |
| Return on assets (ROA) | 0.8049% | 2,628 |
| Pretax return on assets | 0.9553% | 2,607 |
| Return on Equity (ROE) | 10.2900% | 2,081 |
| Retained earnings to average equity (ytd only) | -1.2262% | 4,083 |
| Net charge-offs to loans | -0.0426% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.6685% | 2,811 |
| Assets per employee ($millions) | 14.7006% | 218 |
| Cash dividends to net income (ytd only)* | 111.9194% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5430% | 4,295 |
| Loan loss allowance to noncurrent loans | 497.4820% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,503 |
| Noncurrent loans to loans | 0.1091% | 3,109 |
| Net loans and leases to total assets | 27.7900% | 4,297 |
| Net loans and leases to deposits | 33.1395% | 4,301 |
| Net loans and leases to core deposits | 83.4519% | 2,564 |
| Total domestic deposits to total assets | 83.8700% | 2,648 |
| Equity capital to assets | 7.6480% | 3,649 |
| Core capital (leverage) ratio | 9.9572% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5631% | 561 |
| Memoranda: | ||
| Average total assets | $888,089,667 | 1,118 |
| Average earning assets | $782,515,333 | 1,161 |
| Average equity | $69,485,000 | 1,314 |
| Average total loans | $248,909,333 | 2,073 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0519% | 2,684 |
| Cost of funding earning assets | 2.4358% | 1,110 |
| Net interest margin | 2.6161% | 3,695 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.5116% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7943% | 2,558 |
| Return on assets (ROA) | 0.8571% | 2,380 |
| Pretax return on assets | 1.0205% | 2,330 |
| Return on Equity (ROE) | 10.8300% | 1,898 |
| Retained earnings to average equity (ytd only) | -12.2351% | 4,354 |
| Net charge-offs to loans | -0.0602% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.5156% | 3,084 |
| Assets per employee ($millions) | 14.6216% | 237 |
| Cash dividends to net income (ytd only)* | 212.9925% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 4,275 |
| Loan loss allowance to noncurrent loans | 794.7674% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,626 |
| Noncurrent loans to loans | 0.0712% | 3,276 |
| Net loans and leases to total assets | 26.9300% | 4,331 |
| Net loans and leases to deposits | 32.1565% | 4,319 |
| Net loans and leases to core deposits | 78.9269% | 2,805 |
| Total domestic deposits to total assets | 83.7600% | 2,792 |
| Equity capital to assets | 7.7463% | 3,528 |
| Core capital (leverage) ratio | 10.1008% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7169% | 557 |
| Memoranda: | ||
| Average total assets | $876,417,000 | 1,132 |
| Average earning assets | $770,168,000 | 1,178 |
| Average equity | $69,374,000 | 1,314 |
| Average total loans | $246,013,000 | 2,080 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 2,327 |
| Cost of funding earning assets | 2.1886% | 650 |
| Net interest margin | 2.6894% | 3,833 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.4896% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8947% | 2,566 |
| Return on assets (ROA) | 1.0287% | 2,104 |
| Pretax return on assets | 1.2204% | 2,089 |
| Return on Equity (ROE) | 14.7000% | 1,344 |
| Retained earnings to average equity (ytd only) | 14.7038% | 347 |
| Net charge-offs to loans | 0.1138% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 32.2366% | 1,590 |
| Efficiency ratio | 58.4073% | 3,256 |
| Assets per employee ($millions) | 14.3487% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 4,313 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,577 |
| Noncurrent loans to loans | 0.0759% | 3,179 |
| Net loans and leases to total assets | 28.9300% | 4,320 |
| Net loans and leases to deposits | 34.4691% | 4,295 |
| Net loans and leases to core deposits | 86.4529% | 2,279 |
| Total domestic deposits to total assets | 83.9400% | 2,640 |
| Equity capital to assets | 8.0911% | 3,357 |
| Core capital (leverage) ratio | 10.7585% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1591% | 471 |
| Memoranda: | ||
| Average total assets | $847,866,600 | 1,135 |
| Average earning assets | $749,937,800 | 1,169 |
| Average equity | $59,318,000 | 1,405 |
| Average total loans | $245,131,000 | 2,031 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 2,261 |
| Cost of funding earning assets | 2.1625% | 533 |
| Net interest margin | 2.6386% | 3,968 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.4121% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9062% | 2,658 |
| Return on assets (ROA) | 1.0244% | 2,275 |
| Pretax return on assets | 1.2332% | 2,217 |
| Return on Equity (ROE) | 15.2500% | 1,406 |
| Retained earnings to average equity (ytd only) | 15.2500% | 529 |
| Net charge-offs to loans | 0.1482% | 560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 25.4982% | 1,686 |
| Efficiency ratio | 56.4175% | 3,367 |
| Assets per employee ($millions) | 13.5486% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 4,323 |
| Loan loss allowance to noncurrent loans | 676.7677% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,581 |
| Noncurrent loans to loans | 0.0802% | 3,188 |
| Net loans and leases to total assets | 29.2200% | 4,329 |
| Net loans and leases to deposits | 34.6726% | 4,320 |
| Net loans and leases to core deposits | 80.5602% | 2,558 |
| Total domestic deposits to total assets | 84.2800% | 2,691 |
| Equity capital to assets | 6.2676% | 3,904 |
| Core capital (leverage) ratio | 10.3740% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5210% | 657 |
| Memoranda: | ||
| Average total assets | $844,603,500 | 1,140 |
| Average earning assets | $745,464,250 | 1,174 |
| Average equity | $56,733,000 | 1,438 |
| Average total loans | $243,807,250 | 2,033 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 2,393 |
| Cost of funding earning assets | 2.0349% | 461 |
| Net interest margin | 2.5782% | 4,131 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.3629% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9121% | 2,716 |
| Return on assets (ROA) | 1.0441% | 2,272 |
| Pretax return on assets | 1.2606% | 2,187 |
| Return on Equity (ROE) | 15.1700% | 1,437 |
| Retained earnings to average equity (ytd only) | 15.1741% | 545 |
| Net charge-offs to loans | 0.0815% | 778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 47.0808% | 1,316 |
| Efficiency ratio | 55.3030% | 3,498 |
| Assets per employee ($millions) | 13.5076% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4226% | 4,428 |
| Loan loss allowance to noncurrent loans | 490.7767% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,569 |
| Noncurrent loans to loans | 0.0861% | 3,074 |
| Net loans and leases to total assets | 27.1300% | 4,376 |
| Net loans and leases to deposits | 32.6180% | 4,362 |
| Net loans and leases to core deposits | 70.9577% | 3,068 |
| Total domestic deposits to total assets | 83.1700% | 3,006 |
| Equity capital to assets | 7.2890% | 3,648 |
| Core capital (leverage) ratio | 10.2291% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1838% | 621 |
| Memoranda: | ||
| Average total assets | $846,269,333 | 1,131 |
| Average earning assets | $749,042,333 | 1,166 |
| Average equity | $58,230,667 | 1,420 |
| Average total loans | $242,806,000 | 2,035 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 2,236 |
| Cost of funding earning assets | 1.7887% | 460 |
| Net interest margin | 2.7462% | 4,015 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.3955% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0096% | 2,501 |
| Return on assets (ROA) | 1.1296% | 2,096 |
| Pretax return on assets | 1.3651% | 1,973 |
| Return on Equity (ROE) | 16.9500% | 1,182 |
| Retained earnings to average equity (ytd only) | 16.9475% | 597 |
| Net charge-offs to loans | 0.0507% | 858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 81.7419% | 884 |
| Efficiency ratio | 53.3419% | 3,668 |
| Assets per employee ($millions) | 12.6325% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4589% | 4,466 |
| Loan loss allowance to noncurrent loans | 799.2593% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,663 |
| Noncurrent loans to loans | 0.0574% | 3,323 |
| Net loans and leases to total assets | 28.5000% | 4,395 |
| Net loans and leases to deposits | 35.4088% | 4,343 |
| Net loans and leases to core deposits | 67.0668% | 3,157 |
| Total domestic deposits to total assets | 80.4900% | 3,708 |
| Equity capital to assets | 7.3767% | 3,630 |
| Core capital (leverage) ratio | 10.2802% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8683% | 754 |
| Memoranda: | ||
| Average total assets | $830,406,000 | 1,165 |
| Average earning assets | $735,718,000 | 1,194 |
| Average equity | $55,347,500 | 1,481 |
| Average total loans | $244,603,500 | 2,048 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 2,575 |
| Cost of funding earning assets | 1.1914% | 72 |
| Net interest margin | 2.4914% | 4,296 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.2292% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9624% | 2,712 |
| Return on assets (ROA) | 1.0223% | 2,432 |
| Pretax return on assets | 1.2493% | 2,278 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.2980% | 3,300 |
| Net charge-offs to loans | 0.1495% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 27.6027% | 1,727 |
| Efficiency ratio | 51.1012% | 4,058 |
| Assets per employee ($millions) | 13.1341% | 297 |
| Cash dividends to net income (ytd only)* | 67.5980% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4368% | 4,482 |
| Loan loss allowance to noncurrent loans | 693.7500% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,656 |
| Noncurrent loans to loans | 0.0630% | 3,297 |
| Net loans and leases to total assets | 30.1000% | 4,387 |
| Net loans and leases to deposits | 37.6765% | 4,303 |
| Net loans and leases to core deposits | 73.0394% | 2,649 |
| Total domestic deposits to total assets | 79.8800% | 3,894 |
| Equity capital to assets | 6.0632% | 4,066 |
| Core capital (leverage) ratio | 10.0709% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7763% | 749 |
| Memoranda: | ||
| Average total assets | $868,266,400 | 1,116 |
| Average earning assets | $777,902,600 | 1,138 |
| Average equity | $66,914,400 | 1,295 |
| Average total loans | $247,565,400 | 1,957 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 2,994 |
| Cost of funding earning assets | 1.0876% | 42 |
| Net interest margin | 2.2809% | 4,416 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.1919% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8372% | 3,109 |
| Return on assets (ROA) | 0.9075% | 2,817 |
| Pretax return on assets | 1.1091% | 2,689 |
| Return on Equity (ROE) | 11.2000% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.4411% | 2,218 |
| Net charge-offs to loans | 0.0537% | 948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 67.8485% | 1,115 |
| Efficiency ratio | 53.8065% | 3,835 |
| Assets per employee ($millions) | 12.6495% | 333 |
| Cash dividends to net income (ytd only)* | 33.5739% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 4,419 |
| Loan loss allowance to noncurrent loans | 495.3405% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,583 |
| Noncurrent loans to loans | 0.1126% | 3,083 |
| Net loans and leases to total assets | 29.5000% | 4,435 |
| Net loans and leases to deposits | 36.7707% | 4,343 |
| Net loans and leases to core deposits | 68.6125% | 2,750 |
| Total domestic deposits to total assets | 80.2400% | 4,073 |
| Equity capital to assets | 6.4724% | 3,753 |
| Core capital (leverage) ratio | 9.9854% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9506% | 868 |
| Memoranda: | ||
| Average total assets | $875,188,000 | 1,111 |
| Average earning assets | $786,682,500 | 1,135 |
| Average equity | $70,901,500 | 1,248 |
| Average total loans | $245,933,000 | 1,964 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 3,352 |
| Cost of funding earning assets | 0.9678% | 42 |
| Net interest margin | 2.1148% | 4,506 |
| Noninterest income to average assets | 0.1605% | 4,212 |
| Noninterest expense to average assets | 1.1202% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7708% | 3,058 |
| Return on assets (ROA) | 0.8618% | 2,704 |
| Pretax return on assets | 1.0603% | 2,543 |
| Return on Equity (ROE) | 10.0074% | 2,331 |
| Retained earnings to average equity (ytd only) | 4.7802% | 2,787 |
| Net charge-offs to loans | 0.0611% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 56.1600% | 1,107 |
| Efficiency ratio | 54.1626% | 3,950 |
| Assets per employee ($millions) | 12.7913% | 306 |
| Cash dividends to net income (ytd only)* | 52.2330% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 4,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.9402% | 4,519 |
| Net loans and leases to deposits | 33.6841% | 4,454 |
| Net loans and leases to core deposits | 64.3928% | 2,932 |
| Total domestic deposits to total assets | 82.9477% | 3,884 |
| Equity capital to assets | 7.3415% | 3,574 |
| Core capital (leverage) ratio | 9.5533% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4634% | 663 |
| Memoranda: | ||
| Average total assets | $888,628,333 | 1,088 |
| Average earning assets | $801,598,000 | 1,121 |
| Average equity | $76,523,333 | 1,211 |
| Average total loans | $245,345,333 | 1,961 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 3,621 |
| Cost of funding earning assets | 0.9143% | 51 |
| Net interest margin | 1.9502% | 4,545 |
| Noninterest income to average assets | 0.1592% | 4,201 |
| Noninterest expense to average assets | 1.0805% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6809% | 3,123 |
| Return on assets (ROA) | 0.8553% | 2,460 |
| Pretax return on assets | 1.0583% | 2,269 |
| Return on Equity (ROE) | 9.2840% | 2,220 |
| Retained earnings to average equity (ytd only) | -0.3168% | 4,059 |
| Net charge-offs to loans | 0.0711% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 43.3182% | 979 |
| Efficiency ratio | 56.1738% | 3,864 |
| Assets per employee ($millions) | 13.1572% | 301 |
| Cash dividends to net income (ytd only)* | 103.4126% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 4,512 |
| Loan loss allowance to noncurrent loans | 1,342.0561% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,949 |
| Noncurrent loans to loans | 0.0443% | 3,664 |
| Net loans and leases to total assets | 26.4658% | 4,544 |
| Net loans and leases to deposits | 31.8552% | 4,501 |
| Net loans and leases to core deposits | 58.9895% | 3,239 |
| Total domestic deposits to total assets | 83.0815% | 3,930 |
| Equity capital to assets | 8.5035% | 3,159 |
| Core capital (leverage) ratio | 9.4878% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3200% | 999 |
| Memoranda: | ||
| Average total assets | $904,432,500 | 1,076 |
| Average earning assets | $818,154,000 | 1,099 |
| Average equity | $83,326,000 | 1,153 |
| Average total loans | $247,589,000 | 1,954 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8908% | 4,069 |
| Cost of funding earning assets | 1.0404% | 62 |
| Net interest margin | 1.8503% | 4,652 |
| Noninterest income to average assets | 0.1405% | 4,447 |
| Noninterest expense to average assets | 1.1964% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5339% | 4,012 |
| Return on assets (ROA) | 1.0747% | 2,465 |
| Pretax return on assets | 1.3028% | 2,350 |
| Return on Equity (ROE) | 11.1497% | 2,107 |
| Retained earnings to average equity (ytd only) | 8.8626% | 1,244 |
| Net charge-offs to loans | 0.1093% | 806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 21.8577% | 1,811 |
| Efficiency ratio | 65.0330% | 2,397 |
| Assets per employee ($millions) | 13.4529% | 276 |
| Cash dividends to net income (ytd only)* | 20.5128% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 4,552 |
| Loan loss allowance to noncurrent loans | 771.3542% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,919 |
| Noncurrent loans to loans | 0.0757% | 3,551 |
| Net loans and leases to total assets | 27.9574% | 4,569 |
| Net loans and leases to deposits | 34.5831% | 4,512 |
| Net loans and leases to core deposits | 66.7744% | 2,755 |
| Total domestic deposits to total assets | 80.8412% | 4,121 |
| Equity capital to assets | 10.0896% | 2,570 |
| Core capital (leverage) ratio | 9.9864% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7098% | 789 |
| Memoranda: | ||
| Average total assets | $907,227,200 | 1,042 |
| Average earning assets | $833,105,400 | 1,048 |
| Average equity | $87,446,400 | 1,126 |
| Average total loans | $244,275,800 | 1,965 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8998% | 4,172 |
| Cost of funding earning assets | 1.0559% | 70 |
| Net interest margin | 1.8439% | 4,731 |
| Noninterest income to average assets | 0.1444% | 4,476 |
| Noninterest expense to average assets | 1.2005% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5289% | 4,146 |
| Return on assets (ROA) | 1.1678% | 2,348 |
| Pretax return on assets | 1.4114% | 2,289 |
| Return on Equity (ROE) | 12.2576% | 1,954 |
| Retained earnings to average equity (ytd only) | 9.1774% | 1,626 |
| Net charge-offs to loans | 0.0683% | 963 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 35.2661% | 1,444 |
| Efficiency ratio | 65.1693% | 2,222 |
| Assets per employee ($millions) | 12.3964% | 344 |
| Cash dividends to net income (ytd only)* | 25.1288% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 4,545 |
| Loan loss allowance to noncurrent loans | 257.3693% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,636 |
| Noncurrent loans to loans | 0.2613% | 2,880 |
| Net loans and leases to total assets | 26.8748% | 4,684 |
| Net loans and leases to deposits | 33.2348% | 4,644 |
| Net loans and leases to core deposits | 67.0255% | 2,855 |
| Total domestic deposits to total assets | 80.8635% | 4,113 |
| Equity capital to assets | 10.1174% | 2,791 |
| Core capital (leverage) ratio | 9.8997% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5970% | 1,023 |
| Memoranda: | ||
| Average total assets | $908,698,000 | 1,048 |
| Average earning assets | $836,673,500 | 1,059 |
| Average equity | $86,572,500 | 1,152 |
| Average total loans | $241,976,500 | 2,015 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 4,076 |
| Cost of funding earning assets | 1.0658% | 79 |
| Net interest margin | 1.9169% | 4,746 |
| Noninterest income to average assets | 0.1352% | 4,524 |
| Noninterest expense to average assets | 1.2181% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5803% | 4,018 |
| Return on assets (ROA) | 1.0997% | 2,616 |
| Pretax return on assets | 1.3075% | 2,613 |
| Return on Equity (ROE) | 11.7802% | 2,137 |
| Retained earnings to average equity (ytd only) | 7.0925% | 2,397 |
| Net charge-offs to loans | 0.1107% | 693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.5075% | 1,462 |
| Efficiency ratio | 63.8637% | 2,451 |
| Assets per employee ($millions) | 11.9119% | 362 |
| Cash dividends to net income (ytd only)* | 39.7931% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6732% | 4,573 |
| Loan loss allowance to noncurrent loans | 806.5000% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,122 |
| Noncurrent loans to loans | 0.0835% | 3,774 |
| Net loans and leases to total assets | 26.2883% | 4,743 |
| Net loans and leases to deposits | 32.7544% | 4,713 |
| Net loans and leases to core deposits | 63.5318% | 3,332 |
| Total domestic deposits to total assets | 80.2590% | 4,202 |
| Equity capital to assets | 9.8401% | 3,013 |
| Core capital (leverage) ratio | 9.3087% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6201% | 869 |
| Memoranda: | ||
| Average total assets | $914,083,333 | 1,036 |
| Average earning assets | $845,017,000 | 1,043 |
| Average equity | $85,329,333 | 1,158 |
| Average total loans | $242,137,667 | 2,017 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 4,124 |
| Cost of funding earning assets | 1.0574% | 105 |
| Net interest margin | 1.9248% | 4,762 |
| Noninterest income to average assets | 0.1145% | 4,613 |
| Noninterest expense to average assets | 1.2499% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5485% | 4,076 |
| Return on assets (ROA) | 0.9041% | 3,194 |
| Pretax return on assets | 1.0700% | 3,193 |
| Return on Equity (ROE) | 9.9506% | 2,700 |
| Retained earnings to average equity (ytd only) | 9.9506% | 1,655 |
| Net charge-offs to loans | -0.0477% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9013% | 2,248 |
| Assets per employee ($millions) | 11.5081% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 4,492 |
| Loan loss allowance to noncurrent loans | 311.0333% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,232 |
| Noncurrent loans to loans | 0.2403% | 3,239 |
| Net loans and leases to total assets | 25.6153% | 4,791 |
| Net loans and leases to deposits | 31.4127% | 4,775 |
| Net loans and leases to core deposits | 57.9656% | 3,838 |
| Total domestic deposits to total assets | 81.5444% | 3,980 |
| Equity capital to assets | 9.7425% | 2,954 |
| Core capital (leverage) ratio | 9.2128% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0378% | 784 |
| Memoranda: | ||
| Average total assets | $918,473,500 | 1,021 |
| Average earning assets | $850,361,500 | 1,022 |
| Average equity | $83,452,500 | 1,167 |
| Average total loans | $243,405,500 | 2,004 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1138% | 4,555 |
| Cost of funding earning assets | 1.2848% | 189 |
| Net interest margin | 1.8290% | 4,878 |
| Noninterest income to average assets | 0.1181% | 4,679 |
| Noninterest expense to average assets | 1.4068% | 4,832 |
| Loan and lease loss provision to assets | 0.0353% | 3,967 |
| Net operating income to assets | 0.3721% | 4,299 |
| Return on assets (ROA) | 0.7804% | 3,292 |
| Pretax return on assets | 0.7909% | 3,647 |
| Return on Equity (ROE) | 9.8895% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.8895% | 607 |
| Net charge-offs to loans | -0.0341% | 4,575 |
| Credit loss provision to net charge-offs | -352.9412% | 3,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2777% | 1,101 |
| Assets per employee ($millions) | 11.1744% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 4,588 |
| Loan loss allowance to noncurrent loans | 143.7500% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 3,620 |
| Noncurrent loans to loans | 0.4879% | 2,504 |
| Net loans and leases to total assets | 27.0065% | 4,812 |
| Net loans and leases to deposits | 33.5952% | 4,795 |
| Net loans and leases to core deposits | 67.1323% | 3,473 |
| Total domestic deposits to total assets | 80.3880% | 3,982 |
| Equity capital to assets | 8.4264% | 4,494 |
| Core capital (leverage) ratio | 8.9021% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1219% | 760 |
| Memoranda: | ||
| Average total assets | $850,697,600 | 1,009 |
| Average earning assets | $791,794,200 | 1,001 |
| Average equity | $67,132,000 | 1,339 |
| Average total loans | $249,315,200 | 1,925 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1936% | 4,596 |
| Cost of funding earning assets | 1.3301% | 216 |
| Net interest margin | 1.8635% | 4,926 |
| Noninterest income to average assets | 0.1002% | 4,760 |
| Noninterest expense to average assets | 1.4628% | 4,832 |
| Loan and lease loss provision to assets | 0.0479% | 3,761 |
| Net operating income to assets | 0.3137% | 4,423 |
| Return on assets (ROA) | 0.8320% | 3,099 |
| Pretax return on assets | 0.8646% | 3,479 |
| Return on Equity (ROE) | 10.7428% | 1,764 |
| Retained earnings to average equity (ytd only) | 10.7428% | 621 |
| Net charge-offs to loans | -0.0166% | 4,365 |
| Credit loss provision to net charge-offs | -967.7419% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6953% | 888 |
| Assets per employee ($millions) | 10.6893% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 4,623 |
| Loan loss allowance to noncurrent loans | 139.2270% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 3,764 |
| Noncurrent loans to loans | 0.4805% | 2,622 |
| Net loans and leases to total assets | 27.3467% | 4,862 |
| Net loans and leases to deposits | 33.9573% | 4,855 |
| Net loans and leases to core deposits | 69.0568% | 3,695 |
| Total domestic deposits to total assets | 80.5328% | 3,761 |
| Equity capital to assets | 7.3134% | 4,899 |
| Core capital (leverage) ratio | 9.2169% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9373% | 689 |
| Memoranda: | ||
| Average total assets | $834,296,500 | 1,010 |
| Average earning assets | $776,877,000 | 1,005 |
| Average equity | $64,612,250 | 1,361 |
| Average total loans | $249,341,750 | 1,923 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 4,499 |
| Cost of funding earning assets | 1.4280% | 205 |
| Net interest margin | 2.0097% | 4,945 |
| Noninterest income to average assets | 0.1045% | 4,764 |
| Noninterest expense to average assets | 1.4100% | 4,900 |
| Loan and lease loss provision to assets | 0.0744% | 3,364 |
| Net operating income to assets | 0.4630% | 4,103 |
| Return on assets (ROA) | 0.9713% | 2,551 |
| Pretax return on assets | 1.0221% | 2,958 |
| Return on Equity (ROE) | 12.2813% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.2813% | 424 |
| Net charge-offs to loans | -0.0137% | 4,293 |
| Credit loss provision to net charge-offs | -1,764.7059% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5167% | 1,759 |
| Assets per employee ($millions) | 10.1600% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 4,651 |
| Loan loss allowance to noncurrent loans | 63.1916% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 3,120 |
| Noncurrent loans to loans | 1.0451% | 1,494 |
| Net loans and leases to total assets | 28.2478% | 4,884 |
| Net loans and leases to deposits | 35.2149% | 4,874 |
| Net loans and leases to core deposits | 63.2530% | 4,114 |
| Total domestic deposits to total assets | 80.2156% | 3,788 |
| Equity capital to assets | 6.7018% | 5,000 |
| Core capital (leverage) ratio | 9.4749% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2234% | 747 |
| Memoranda: | ||
| Average total assets | $805,968,667 | 1,024 |
| Average earning assets | $748,757,667 | 1,012 |
| Average equity | $63,739,333 | 1,368 |
| Average total loans | $248,093,667 | 1,918 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,387 |
| Cost of funding earning assets | 1.5024% | 267 |
| Net interest margin | 2.2018% | 4,959 |
| Noninterest income to average assets | 0.1113% | 4,786 |
| Noninterest expense to average assets | 1.3949% | 4,964 |
| Loan and lease loss provision to assets | 0.1575% | 1,829 |
| Net operating income to assets | 0.5874% | 3,633 |
| Return on assets (ROA) | 1.3146% | 1,300 |
| Pretax return on assets | 1.3597% | 1,688 |
| Return on Equity (ROE) | 15.2569% | 519 |
| Retained earnings to average equity (ytd only) | 15.2569% | 176 |
| Net charge-offs to loans | 0.0114% | 2,176 |
| Credit loss provision to net charge-offs | 4,285.7143% | 191 |
| Earnings coverage of net charge-offs (x) | 208.8571% | 335 |
| Efficiency ratio | 64.5059% | 3,147 |
| Assets per employee ($millions) | 9.4324% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 4,661 |
| Loan loss allowance to noncurrent loans | 101.7210% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,671 |
| Noncurrent loans to loans | 0.6544% | 2,353 |
| Net loans and leases to total assets | 30.8015% | 4,892 |
| Net loans and leases to deposits | 38.9762% | 4,854 |
| Net loans and leases to core deposits | 77.7927% | 3,364 |
| Total domestic deposits to total assets | 79.0265% | 4,049 |
| Equity capital to assets | 6.3516% | 5,094 |
| Core capital (leverage) ratio | 10.4719% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7258% | 3,176 |
| Memoranda: | ||
| Average total assets | $761,911,500 | 1,040 |
| Average earning assets | $709,780,000 | 1,024 |
| Average equity | $65,649,000 | 1,336 |
| Average total loans | $245,021,500 | 1,897 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,796 |
| Cost of funding earning assets | 1.6614% | 230 |
| Net interest margin | 2.5475% | 4,942 |
| Noninterest income to average assets | 0.2020% | 4,449 |
| Noninterest expense to average assets | 1.4879% | 5,010 |
| Loan and lease loss provision to assets | 0.0010% | 3,961 |
| Net operating income to assets | 1.0208% | 2,766 |
| Return on assets (ROA) | 1.2671% | 1,896 |
| Pretax return on assets | 1.3467% | 2,343 |
| Return on Equity (ROE) | 10.8110% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.8110% | 359 |
| Net charge-offs to loans | 0.3247% | 638 |
| Credit loss provision to net charge-offs | 0.9009% | 3,380 |
| Earnings coverage of net charge-offs (x) | 9.3719% | 2,671 |
| Efficiency ratio | 57.8149% | 3,995 |
| Assets per employee ($millions) | 8.8057% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 4,957 |
| Loan loss allowance to noncurrent loans | 139.3701% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 4,100 |
| Noncurrent loans to loans | 0.3156% | 3,305 |
| Net loans and leases to total assets | 33.2896% | 4,913 |
| Net loans and leases to deposits | 42.9388% | 4,849 |
| Net loans and leases to core deposits | 92.5694% | 2,194 |
| Total domestic deposits to total assets | 77.5279% | 4,428 |
| Equity capital to assets | 11.1311% | 2,876 |
| Core capital (leverage) ratio | 11.2267% | 2,314 |
| Tier 1 risk-based capital ratio | 14.8675% | 2,838 |
| Total risk-based capital ratio | 15.0738% | 3,262 |
| Memoranda: | ||
| Average total assets | $670,726,000 | 1,119 |
| Average earning assets | $624,422,400 | 1,105 |
| Average equity | $78,614,400 | 1,107 |
| Average total loans | $239,300,000 | 1,893 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 3,658 |
| Cost of funding earning assets | 1.6962% | 204 |
| Net interest margin | 2.6026% | 5,001 |
| Noninterest income to average assets | 0.1927% | 4,567 |
| Noninterest expense to average assets | 1.5935% | 5,007 |
| Loan and lease loss provision to assets | 0.0014% | 3,823 |
| Net operating income to assets | 0.9609% | 3,121 |
| Return on assets (ROA) | 1.2952% | 1,966 |
| Pretax return on assets | 1.3737% | 2,409 |
| Return on Equity (ROE) | 10.9001% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.9001% | 547 |
| Net charge-offs to loans | 0.3362% | 513 |
| Credit loss provision to net charge-offs | 1.1628% | 3,029 |
| Earnings coverage of net charge-offs (x) | 8.3554% | 2,662 |
| Efficiency ratio | 60.9866% | 3,474 |
| Assets per employee ($millions) | 7.9055% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 4,960 |
| Loan loss allowance to noncurrent loans | 179.7965% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,198 |
| Noncurrent loans to loans | 0.2844% | 3,518 |
| Net loans and leases to total assets | 35.8105% | 4,946 |
| Net loans and leases to deposits | 47.2476% | 4,836 |
| Net loans and leases to core deposits | 67.5017% | 4,193 |
| Total domestic deposits to total assets | 75.7932% | 4,670 |
| Equity capital to assets | 10.6412% | 3,428 |
| Core capital (leverage) ratio | 11.7276% | 2,060 |
| Tier 1 risk-based capital ratio | 20.0321% | 1,354 |
| Total risk-based capital ratio | 20.3645% | 1,511 |
| Memoranda: | ||
| Average total assets | $657,890,000 | 1,136 |
| Average earning assets | $611,783,000 | 1,123 |
| Average equity | $78,174,500 | 1,107 |
| Average total loans | $238,766,000 | 1,905 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 3,335 |
| Cost of funding earning assets | 1.7160% | 172 |
| Net interest margin | 2.6829% | 5,015 |
| Noninterest income to average assets | 0.1696% | 4,735 |
| Noninterest expense to average assets | 1.6105% | 5,050 |
| Loan and lease loss provision to assets | 0.0021% | 3,663 |
| Net operating income to assets | 0.9748% | 3,007 |
| Return on assets (ROA) | 1.4173% | 1,437 |
| Pretax return on assets | 1.5263% | 1,768 |
| Return on Equity (ROE) | 11.5153% | 1,775 |
| Retained earnings to average equity (ytd only) | 11.5153% | 480 |
| Net charge-offs to loans | 0.3710% | 446 |
| Credit loss provision to net charge-offs | 1.5873% | 2,723 |
| Earnings coverage of net charge-offs (x) | 7.7959% | 2,462 |
| Efficiency ratio | 60.4737% | 3,657 |
| Assets per employee ($millions) | 7.7775% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 4,905 |
| Loan loss allowance to noncurrent loans | 172.5031% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 4,114 |
| Noncurrent loans to loans | 0.3374% | 3,331 |
| Net loans and leases to total assets | 37.4650% | 4,928 |
| Net loans and leases to deposits | 49.9272% | 4,808 |
| Net loans and leases to core deposits | 93.9313% | 2,244 |
| Total domestic deposits to total assets | 75.0392% | 4,762 |
| Equity capital to assets | 12.1856% | 2,057 |
| Core capital (leverage) ratio | 11.6464% | 2,063 |
| Tier 1 risk-based capital ratio | 20.5578% | 1,242 |
| Total risk-based capital ratio | 20.9535% | 1,370 |
| Memoranda: | ||
| Average total assets | $653,196,330 | 1,141 |
| Average earning assets | $607,094,670 | 1,128 |
| Average equity | $80,397,330 | 1,078 |
| Average total loans | $237,730,330 | 1,922 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 3,714 |
| Cost of funding earning assets | 1.7533% | 131 |
| Net interest margin | 2.4939% | 5,191 |
| Noninterest income to average assets | 0.2040% | 4,529 |
| Noninterest expense to average assets | 1.5536% | 5,131 |
| Loan and lease loss provision to assets | 0.0042% | 3,368 |
| Net operating income to assets | 0.8986% | 3,242 |
| Return on assets (ROA) | 1.2831% | 1,806 |
| Pretax return on assets | 1.3726% | 2,177 |
| Return on Equity (ROE) | 10.3745% | 2,205 |
| Retained earnings to average equity (ytd only) | 10.3745% | 948 |
| Net charge-offs to loans | 0.3536% | 441 |
| Credit loss provision to net charge-offs | 3.3493% | 2,205 |
| Earnings coverage of net charge-offs (x) | 7.6172% | 2,123 |
| Efficiency ratio | 61.7216% | 3,577 |
| Assets per employee ($millions) | 7.6525% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 4,774 |
| Loan loss allowance to noncurrent loans | 238.6530% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,288 |
| Noncurrent loans to loans | 0.2941% | 3,515 |
| Net loans and leases to total assets | 35.4495% | 5,033 |
| Net loans and leases to deposits | 46.3241% | 4,922 |
| Net loans and leases to core deposits | 94.1136% | 2,110 |
| Total domestic deposits to total assets | 76.5250% | 4,705 |
| Equity capital to assets | 12.6232% | 1,671 |
| Core capital (leverage) ratio | 10.4905% | 3,062 |
| Tier 1 risk-based capital ratio | 20.8482% | 1,184 |
| Total risk-based capital ratio | 21.3324% | 1,294 |
| Memoranda: | ||
| Average total assets | $660,918,000 | 1,134 |
| Average earning assets | $613,004,500 | 1,124 |
| Average equity | $81,739,000 | 1,052 |
| Average total loans | $236,429,000 | 1,947 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,272 |
| Cost of funding earning assets | 1.4295% | 121 |
| Net interest margin | 2.8220% | 5,001 |
| Noninterest income to average assets | 0.3696% | 3,624 |
| Noninterest expense to average assets | 1.6410% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2656% | 1,930 |
| Return on assets (ROA) | 1.2824% | 1,866 |
| Pretax return on assets | 1.3403% | 2,362 |
| Return on Equity (ROE) | 10.4883% | 2,296 |
| Retained earnings to average equity (ytd only) | 10.4883% | 529 |
| Net charge-offs to loans | 0.1651% | 1,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 21.1747% | 1,956 |
| Efficiency ratio | 55.3682% | 4,478 |
| Assets per employee ($millions) | 8.1875% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 4,645 |
| Loan loss allowance to noncurrent loans | 338.0074% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 4,416 |
| Noncurrent loans to loans | 0.2252% | 3,773 |
| Net loans and leases to total assets | 35.5704% | 5,078 |
| Net loans and leases to deposits | 46.8431% | 4,964 |
| Net loans and leases to core deposits | 104.1769% | 1,397 |
| Total domestic deposits to total assets | 75.9352% | 4,760 |
| Equity capital to assets | 12.1198% | 1,803 |
| Core capital (leverage) ratio | 10.1255% | 3,427 |
| Tier 1 risk-based capital ratio | 18.9660% | 1,522 |
| Total risk-based capital ratio | 19.4799% | 1,637 |
| Memoranda: | ||
| Average total assets | $632,315,200 | 1,154 |
| Average earning assets | $581,257,400 | 1,153 |
| Average equity | $77,314,400 | 1,063 |
| Average total loans | $239,250,400 | 1,885 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,453 |
| Cost of funding earning assets | 1.3505% | 136 |
| Net interest margin | 2.8011% | 5,086 |
| Noninterest income to average assets | 0.4279% | 3,296 |
| Noninterest expense to average assets | 1.6418% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2969% | 1,871 |
| Return on assets (ROA) | 1.3152% | 1,804 |
| Pretax return on assets | 1.3773% | 2,312 |
| Return on Equity (ROE) | 10.7310% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.7310% | 714 |
| Net charge-offs to loans | 0.1440% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 24.5776% | 1,807 |
| Efficiency ratio | 54.7298% | 4,534 |
| Assets per employee ($millions) | 7.9055% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 4,523 |
| Loan loss allowance to noncurrent loans | 117.4120% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 3,623 |
| Noncurrent loans to loans | 0.7069% | 2,307 |
| Net loans and leases to total assets | 36.2933% | 5,136 |
| Net loans and leases to deposits | 49.3168% | 4,971 |
| Net loans and leases to core deposits | 104.6039% | 1,412 |
| Total domestic deposits to total assets | 73.5922% | 5,013 |
| Equity capital to assets | 12.6579% | 1,490 |
| Core capital (leverage) ratio | 10.4061% | 3,184 |
| Tier 1 risk-based capital ratio | 17.3338% | 1,987 |
| Total risk-based capital ratio | 17.8537% | 2,187 |
| Memoranda: | ||
| Average total assets | $622,550,250 | 1,167 |
| Average earning assets | $571,613,500 | 1,177 |
| Average equity | $76,300,750 | 1,066 |
| Average total loans | $238,902,250 | 1,895 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 3,339 |
| Cost of funding earning assets | 1.3222% | 105 |
| Net interest margin | 2.8107% | 5,108 |
| Noninterest income to average assets | 0.5358% | 2,663 |
| Noninterest expense to average assets | 1.6570% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3823% | 1,501 |
| Return on assets (ROA) | 1.4098% | 1,404 |
| Pretax return on assets | 1.4952% | 1,833 |
| Return on Equity (ROE) | 11.6371% | 1,860 |
| Retained earnings to average equity (ytd only) | 11.6371% | 570 |
| Net charge-offs to loans | 0.1846% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.3620% | 1,814 |
| Efficiency ratio | 53.0614% | 4,776 |
| Assets per employee ($millions) | 7.5476% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,447 |
| Loan loss allowance to noncurrent loans | 124.5810% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,696 |
| Noncurrent loans to loans | 0.7017% | 2,355 |
| Net loans and leases to total assets | 36.7685% | 5,157 |
| Net loans and leases to deposits | 46.2298% | 5,092 |
| Net loans and leases to core deposits | 98.2120% | 1,875 |
| Total domestic deposits to total assets | 79.5343% | 4,341 |
| Equity capital to assets | 12.6252% | 1,476 |
| Core capital (leverage) ratio | 10.2580% | 3,282 |
| Tier 1 risk-based capital ratio | 19.1654% | 1,508 |
| Total risk-based capital ratio | 19.7680% | 1,635 |
| Memoranda: | ||
| Average total assets | $613,984,000 | 1,185 |
| Average earning assets | $565,130,670 | 1,191 |
| Average equity | $74,382,670 | 1,099 |
| Average total loans | $239,456,330 | 1,890 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,502 |
| Cost of funding earning assets | 1.2838% | 90 |
| Net interest margin | 2.7472% | 5,214 |
| Noninterest income to average assets | 0.2924% | 4,208 |
| Noninterest expense to average assets | 1.4933% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1332% | 2,275 |
| Return on assets (ROA) | 1.1532% | 2,214 |
| Pretax return on assets | 1.3546% | 2,171 |
| Return on Equity (ROE) | 9.7262% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.7262% | 1,248 |
| Net charge-offs to loans | 0.3781% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.8095% | 2,008 |
| Efficiency ratio | 52.8717% | 4,895 |
| Assets per employee ($millions) | 7.6844% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 4,629 |
| Loan loss allowance to noncurrent loans | 61.0398% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 2,773 |
| Noncurrent loans to loans | 1.3950% | 1,276 |
| Net loans and leases to total assets | 37.3381% | 5,164 |
| Net loans and leases to deposits | 45.5503% | 5,113 |
| Net loans and leases to core deposits | 97.3930% | 1,876 |
| Total domestic deposits to total assets | 81.9711% | 3,973 |
| Equity capital to assets | 12.1108% | 1,708 |
| Core capital (leverage) ratio | 10.0484% | 3,474 |
| Tier 1 risk-based capital ratio | 18.5373% | 1,678 |
| Total risk-based capital ratio | 19.1412% | 1,818 |
| Memoranda: | ||
| Average total assets | $611,524,000 | 1,198 |
| Average earning assets | $563,625,500 | 1,200 |
| Average equity | $72,505,000 | 1,129 |
| Average total loans | $244,400,000 | 1,879 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 3,676 |
| Cost of funding earning assets | 1.2180% | 69 |
| Net interest margin | 2.6958% | 5,279 |
| Noninterest income to average assets | 0.2327% | 4,741 |
| Noninterest expense to average assets | 1.7397% | 5,292 |
| Loan and lease loss provision to assets | 0.3571% | 438 |
| Net operating income to assets | 0.6851% | 3,659 |
| Return on assets (ROA) | 0.8103% | 3,155 |
| Pretax return on assets | 0.7628% | 4,355 |
| Return on Equity (ROE) | 7.3486% | 3,100 |
| Retained earnings to average equity (ytd only) | -1.6903% | 5,250 |
| Net charge-offs to loans | 0.7055% | 301 |
| Credit loss provision to net charge-offs | 119.3119% | 2,197 |
| Earnings coverage of net charge-offs (x) | 3.3230% | 3,623 |
| Efficiency ratio | 63.6231% | 3,661 |
| Assets per employee ($millions) | 7.0576% | 947 |
| Cash dividends to net income (ytd only)* | 123.0012% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,576 |
| Loan loss allowance to noncurrent loans | 65.3756% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,648 |
| Noncurrent loans to loans | 1.3396% | 1,302 |
| Net loans and leases to total assets | 42.0356% | 5,064 |
| Net loans and leases to deposits | 50.8747% | 5,033 |
| Net loans and leases to core deposits | 108.6368% | 1,088 |
| Total domestic deposits to total assets | 82.6259% | 3,685 |
| Equity capital to assets | 11.4208% | 2,258 |
| Core capital (leverage) ratio | 9.9730% | 3,491 |
| Tier 1 risk-based capital ratio | 17.0892% | 2,060 |
| Total risk-based capital ratio | 17.7347% | 2,208 |
| Memoranda: | ||
| Average total assets | $601,997,200 | 1,190 |
| Average earning assets | $558,639,200 | 1,191 |
| Average equity | $66,380,000 | 1,204 |
| Average total loans | $255,405,400 | 1,788 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,699 |
| Cost of funding earning assets | 1.2065% | 66 |
| Net interest margin | 2.6873% | 5,334 |
| Noninterest income to average assets | 0.2189% | 4,913 |
| Noninterest expense to average assets | 1.6612% | 5,399 |
| Loan and lease loss provision to assets | 0.0996% | 2,120 |
| Net operating income to assets | 0.8407% | 3,320 |
| Return on assets (ROA) | 0.9998% | 2,611 |
| Pretax return on assets | 1.1352% | 3,166 |
| Return on Equity (ROE) | 9.1483% | 2,523 |
| Retained earnings to average equity (ytd only) | -3.0008% | 5,487 |
| Net charge-offs to loans | 0.1768% | 1,193 |
| Credit loss provision to net charge-offs | 132.7434% | 1,859 |
| Earnings coverage of net charge-offs (x) | 14.0501% | 2,322 |
| Efficiency ratio | 61.1573% | 4,019 |
| Assets per employee ($millions) | 6.9766% | 965 |
| Cash dividends to net income (ytd only)* | 132.8021% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,976 |
| Loan loss allowance to noncurrent loans | 45.8737% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 2,312 |
| Noncurrent loans to loans | 1.6766% | 1,085 |
| Net loans and leases to total assets | 43.2947% | 5,061 |
| Net loans and leases to deposits | 52.3631% | 5,040 |
| Net loans and leases to core deposits | 110.9549% | 980 |
| Total domestic deposits to total assets | 82.6817% | 3,554 |
| Equity capital to assets | 11.3737% | 2,493 |
| Core capital (leverage) ratio | 10.2161% | 3,296 |
| Tier 1 risk-based capital ratio | 16.7378% | 2,235 |
| Total risk-based capital ratio | 17.3060% | 2,419 |
| Memoranda: | ||
| Average total assets | $602,522,000 | 1,198 |
| Average earning assets | $559,710,250 | 1,195 |
| Average equity | $65,846,750 | 1,217 |
| Average total loans | $255,657,000 | 1,796 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,441 |
| Cost of funding earning assets | 1.1766% | 65 |
| Net interest margin | 2.7560% | 5,302 |
| Noninterest income to average assets | 0.2113% | 4,990 |
| Noninterest expense to average assets | 1.5998% | 5,496 |
| Loan and lease loss provision to assets | 0.0826% | 2,336 |
| Net operating income to assets | 0.9385% | 2,727 |
| Return on assets (ROA) | 1.0441% | 2,274 |
| Pretax return on assets | 1.2112% | 2,730 |
| Return on Equity (ROE) | 9.6826% | 2,178 |
| Retained earnings to average equity (ytd only) | -8.6905% | 5,626 |
| Net charge-offs to loans | 0.0809% | 1,807 |
| Credit loss provision to net charge-offs | 242.7184% | 1,108 |
| Earnings coverage of net charge-offs (x) | 34.4272% | 1,367 |
| Efficiency ratio | 57.7047% | 4,637 |
| Assets per employee ($millions) | 6.9804% | 946 |
| Cash dividends to net income (ytd only)* | 189.7533% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,962 |
| Loan loss allowance to noncurrent loans | 95.8373% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,696 |
| Noncurrent loans to loans | 0.8308% | 2,325 |
| Net loans and leases to total assets | 42.5423% | 5,114 |
| Net loans and leases to deposits | 51.6362% | 5,076 |
| Net loans and leases to core deposits | 106.3068% | 1,208 |
| Total domestic deposits to total assets | 82.3884% | 3,773 |
| Equity capital to assets | 11.1847% | 2,616 |
| Core capital (leverage) ratio | 9.6730% | 3,932 |
| Tier 1 risk-based capital ratio | 16.2615% | 2,405 |
| Total risk-based capital ratio | 16.8368% | 2,602 |
| Memoranda: | ||
| Average total assets | $605,691,000 | 1,197 |
| Average earning assets | $562,486,000 | 1,187 |
| Average equity | $65,313,000 | 1,226 |
| Average total loans | $254,631,330 | 1,796 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 2,983 |
| Cost of funding earning assets | 1.1685% | 66 |
| Net interest margin | 2.8455% | 5,176 |
| Noninterest income to average assets | 0.1935% | 5,112 |
| Noninterest expense to average assets | 1.4487% | 5,663 |
| Loan and lease loss provision to assets | 0.1634% | 1,098 |
| Net operating income to assets | 1.0264% | 2,186 |
| Return on assets (ROA) | 1.1329% | 1,769 |
| Pretax return on assets | 1.3493% | 2,062 |
| Return on Equity (ROE) | 10.6995% | 1,670 |
| Retained earnings to average equity (ytd only) | -26.3444% | 5,779 |
| Net charge-offs to loans | 0.0785% | 1,546 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 42.4000% | 992 |
| Efficiency ratio | 51.0378% | 5,327 |
| Assets per employee ($millions) | 7.0957% | 908 |
| Cash dividends to net income (ytd only)* | 346.2204% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,980 |
| Loan loss allowance to noncurrent loans | 107.2755% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,919 |
| Noncurrent loans to loans | 0.7763% | 2,525 |
| Net loans and leases to total assets | 40.5692% | 5,226 |
| Net loans and leases to deposits | 49.4101% | 5,161 |
| Net loans and leases to core deposits | 102.3546% | 1,343 |
| Total domestic deposits to total assets | 82.1071% | 4,145 |
| Equity capital to assets | 10.3913% | 3,303 |
| Core capital (leverage) ratio | 9.1921% | 4,487 |
| Tier 1 risk-based capital ratio | 15.8578% | 2,606 |
| Total risk-based capital ratio | 16.4482% | 2,809 |
| Memoranda: | ||
| Average total assets | $611,868,000 | 1,188 |
| Average earning assets | $567,909,500 | 1,183 |
| Average equity | $64,788,000 | 1,232 |
| Average total loans | $254,724,500 | 1,809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,165 |
| Cost of funding earning assets | 1.2125% | 52 |
| Net interest margin | 2.5044% | 5,586 |
| Noninterest income to average assets | 0.3580% | 4,178 |
| Noninterest expense to average assets | 1.5706% | 5,675 |
| Loan and lease loss provision to assets | 0.1231% | 2,008 |
| Net operating income to assets | 0.8512% | 3,063 |
| Return on assets (ROA) | 1.1468% | 1,798 |
| Pretax return on assets | 1.3320% | 2,172 |
| Return on Equity (ROE) | 11.2904% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.2904% | 277 |
| Net charge-offs to loans | 0.2240% | 1,241 |
| Credit loss provision to net charge-offs | 130.6620% | 2,059 |
| Earnings coverage of net charge-offs (x) | 11.7927% | 2,509 |
| Efficiency ratio | 58.5588% | 4,784 |
| Assets per employee ($millions) | 7.0518% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 5,315 |
| Loan loss allowance to noncurrent loans | 389.0269% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 5,025 |
| Noncurrent loans to loans | 0.1859% | 4,495 |
| Net loans and leases to total assets | 42.0412% | 5,229 |
| Net loans and leases to deposits | 51.2124% | 5,161 |
| Net loans and leases to core deposits | 92.6931% | 2,236 |
| Total domestic deposits to total assets | 82.0918% | 4,050 |
| Equity capital to assets | 10.7847% | 2,832 |
| Core capital (leverage) ratio | 10.1210% | 3,340 |
| Tier 1 risk-based capital ratio | 17.1360% | 2,114 |
| Total risk-based capital ratio | 17.6703% | 2,319 |
| Memoranda: | ||
| Average total assets | $609,019,600 | 1,152 |
| Average earning assets | $565,174,200 | 1,148 |
| Average equity | $61,857,600 | 1,264 |
| Average total loans | $256,291,600 | 1,758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,395 |
| Cost of funding earning assets | 1.2473% | 44 |
| Net interest margin | 2.4077% | 5,716 |
| Noninterest income to average assets | 0.3867% | 4,012 |
| Noninterest expense to average assets | 1.5044% | 5,753 |
| Loan and lease loss provision to assets | 0.1645% | 1,388 |
| Net operating income to assets | 0.8226% | 3,268 |
| Return on assets (ROA) | 1.1539% | 1,889 |
| Pretax return on assets | 1.3340% | 2,293 |
| Return on Equity (ROE) | 11.5406% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.5406% | 354 |
| Net charge-offs to loans | 0.2078% | 1,125 |
| Credit loss provision to net charge-offs | 188.4422% | 1,493 |
| Earnings coverage of net charge-offs (x) | 12.8041% | 2,353 |
| Efficiency ratio | 57.3735% | 4,911 |
| Assets per employee ($millions) | 6.7772% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 5,169 |
| Loan loss allowance to noncurrent loans | 381.2616% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,080 |
| Noncurrent loans to loans | 0.2118% | 4,508 |
| Net loans and leases to total assets | 42.3256% | 5,278 |
| Net loans and leases to deposits | 53.0783% | 5,156 |
| Net loans and leases to core deposits | 93.3225% | 2,251 |
| Total domestic deposits to total assets | 79.7418% | 4,569 |
| Equity capital to assets | 10.4258% | 3,639 |
| Core capital (leverage) ratio | 9.9406% | 3,646 |
| Tier 1 risk-based capital ratio | 16.6686% | 2,348 |
| Total risk-based capital ratio | 17.2553% | 2,565 |
| Memoranda: | ||
| Average total assets | $607,898,000 | 1,158 |
| Average earning assets | $564,392,250 | 1,148 |
| Average equity | $60,780,750 | 1,285 |
| Average total loans | $255,413,500 | 1,766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 4,694 |
| Cost of funding earning assets | 1.1701% | 61 |
| Net interest margin | 2.3954% | 5,813 |
| Noninterest income to average assets | 0.3551% | 4,235 |
| Noninterest expense to average assets | 1.5026% | 5,835 |
| Loan and lease loss provision to assets | 0.2452% | 802 |
| Net operating income to assets | 0.7397% | 3,607 |
| Return on assets (ROA) | 1.0874% | 2,130 |
| Pretax return on assets | 1.2241% | 2,688 |
| Return on Equity (ROE) | 11.0288% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.0288% | 436 |
| Net charge-offs to loans | 0.2909% | 818 |
| Credit loss provision to net charge-offs | 201.6129% | 1,296 |
| Earnings coverage of net charge-offs (x) | 8.8683% | 2,475 |
| Efficiency ratio | 58.2141% | 4,874 |
| Assets per employee ($millions) | 7.0786% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 5,232 |
| Loan loss allowance to noncurrent loans | 93.6122% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 4,021 |
| Noncurrent loans to loans | 0.8725% | 2,559 |
| Net loans and leases to total assets | 41.5111% | 5,357 |
| Net loans and leases to deposits | 51.7515% | 5,256 |
| Net loans and leases to core deposits | 102.6576% | 1,423 |
| Total domestic deposits to total assets | 80.2125% | 4,494 |
| Equity capital to assets | 10.1245% | 4,066 |
| Core capital (leverage) ratio | 9.6024% | 4,067 |
| Tier 1 risk-based capital ratio | 16.2999% | 2,501 |
| Total risk-based capital ratio | 16.9009% | 2,737 |
| Memoranda: | ||
| Average total assets | $611,732,000 | 1,159 |
| Average earning assets | $568,495,000 | 1,147 |
| Average equity | $60,314,670 | 1,293 |
| Average total loans | $255,723,670 | 1,764 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,616 |
| Cost of funding earning assets | 1.2677% | 39 |
| Net interest margin | 2.3298% | 5,914 |
| Noninterest income to average assets | 0.4488% | 3,493 |
| Noninterest expense to average assets | 1.4181% | 5,952 |
| Loan and lease loss provision to assets | 0.1631% | 1,270 |
| Net operating income to assets | 0.8881% | 2,816 |
| Return on assets (ROA) | 1.2707% | 1,432 |
| Pretax return on assets | 1.4775% | 1,666 |
| Return on Equity (ROE) | 13.0618% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.0618% | 387 |
| Net charge-offs to loans | 0.1749% | 1,094 |
| Credit loss provision to net charge-offs | 223.2143% | 1,009 |
| Earnings coverage of net charge-offs (x) | 16.3661% | 1,622 |
| Efficiency ratio | 54.2551% | 5,366 |
| Assets per employee ($millions) | 7.1226% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 5,535 |
| Loan loss allowance to noncurrent loans | 91.3194% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 4,229 |
| Noncurrent loans to loans | 0.8011% | 2,833 |
| Net loans and leases to total assets | 41.2624% | 5,386 |
| Net loans and leases to deposits | 52.0620% | 5,226 |
| Net loans and leases to core deposits | 101.0195% | 1,404 |
| Total domestic deposits to total assets | 79.2563% | 4,911 |
| Equity capital to assets | 9.9401% | 4,162 |
| Core capital (leverage) ratio | 9.0208% | 4,830 |
| Tier 1 risk-based capital ratio | 16.1619% | 2,600 |
| Total risk-based capital ratio | 16.7025% | 2,878 |
| Memoranda: | ||
| Average total assets | $613,217,000 | 1,150 |
| Average earning assets | $569,837,000 | 1,140 |
| Average equity | $59,655,000 | 1,303 |
| Average total loans | $256,193,000 | 1,757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,297 |
| Cost of funding earning assets | 1.1013% | 100 |
| Net interest margin | 2.6220% | 5,739 |
| Noninterest income to average assets | 0.2486% | 5,106 |
| Noninterest expense to average assets | 1.4812% | 5,993 |
| Loan and lease loss provision to assets | 0.0833% | 2,628 |
| Net operating income to assets | 0.9964% | 2,379 |
| Return on assets (ROA) | 1.1348% | 1,853 |
| Pretax return on assets | 1.2842% | 2,339 |
| Return on Equity (ROE) | 12.1748% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.1748% | 242 |
| Net charge-offs to loans | 0.2412% | 1,242 |
| Credit loss provision to net charge-offs | 81.6993% | 2,917 |
| Earnings coverage of net charge-offs (x) | 11.8742% | 2,518 |
| Efficiency ratio | 54.5140% | 5,489 |
| Assets per employee ($millions) | 7.2211% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6532% | 5,720 |
| Loan loss allowance to noncurrent loans | 307.4007% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 5,265 |
| Noncurrent loans to loans | 0.2125% | 4,659 |
| Net loans and leases to total assets | 41.7110% | 5,425 |
| Net loans and leases to deposits | 52.0957% | 5,279 |
| Net loans and leases to core deposits | 103.3602% | 1,269 |
| Total domestic deposits to total assets | 80.0661% | 4,728 |
| Equity capital to assets | 9.5217% | 4,530 |
| Core capital (leverage) ratio | 8.8628% | 5,045 |
| Tier 1 risk-based capital ratio | 14.9894% | 3,187 |
| Total risk-based capital ratio | 15.4699% | 3,510 |
| Memoranda: | ||
| Average total assets | $600,460,400 | 1,131 |
| Average earning assets | $559,425,800 | 1,124 |
| Average equity | $55,968,200 | 1,336 |
| Average total loans | $253,693,600 | 1,707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,323 |
| Cost of funding earning assets | 1.0859% | 113 |
| Net interest margin | 2.6458% | 5,789 |
| Noninterest income to average assets | 0.2457% | 5,178 |
| Noninterest expense to average assets | 1.4493% | 6,070 |
| Loan and lease loss provision to assets | 0.1120% | 2,013 |
| Net operating income to assets | 0.9833% | 2,556 |
| Return on assets (ROA) | 1.1111% | 2,035 |
| Pretax return on assets | 1.3006% | 2,396 |
| Return on Equity (ROE) | 11.9877% | 1,381 |
| Retained earnings to average equity (ytd only) | 11.9877% | 369 |
| Net charge-offs to loans | 0.3011% | 888 |
| Credit loss provision to net charge-offs | 87.8735% | 2,499 |
| Earnings coverage of net charge-offs (x) | 9.9051% | 2,648 |
| Efficiency ratio | 52.7546% | 5,598 |
| Assets per employee ($millions) | 7.0103% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 5,764 |
| Loan loss allowance to noncurrent loans | 333.8432% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 5,408 |
| Noncurrent loans to loans | 0.2048% | 4,829 |
| Net loans and leases to total assets | 41.5894% | 5,509 |
| Net loans and leases to deposits | 52.0746% | 5,369 |
| Net loans and leases to core deposits | 101.2429% | 1,429 |
| Total domestic deposits to total assets | 79.8650% | 4,780 |
| Equity capital to assets | 9.3208% | 4,981 |
| Core capital (leverage) ratio | 8.5367% | 5,524 |
| Tier 1 risk-based capital ratio | 14.2516% | 3,701 |
| Total risk-based capital ratio | 14.7372% | 4,075 |
| Memoranda: | ||
| Average total assets | $595,321,500 | 1,151 |
| Average earning assets | $554,837,250 | 1,137 |
| Average equity | $55,177,500 | 1,364 |
| Average total loans | $251,933,250 | 1,723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,469 |
| Cost of funding earning assets | 1.0732% | 118 |
| Net interest margin | 2.6059% | 5,879 |
| Noninterest income to average assets | 0.2202% | 5,386 |
| Noninterest expense to average assets | 1.4290% | 6,158 |
| Loan and lease loss provision to assets | 0.1694% | 1,233 |
| Net operating income to assets | 0.9088% | 2,826 |
| Return on assets (ROA) | 1.0585% | 2,216 |
| Pretax return on assets | 1.2224% | 2,688 |
| Return on Equity (ROE) | 11.4425% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.4425% | 451 |
| Net charge-offs to loans | 0.4410% | 580 |
| Credit loss provision to net charge-offs | 90.4159% | 2,198 |
| Earnings coverage of net charge-offs (x) | 6.5118% | 2,774 |
| Efficiency ratio | 52.8772% | 5,659 |
| Assets per employee ($millions) | 6.8483% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,820 |
| Loan loss allowance to noncurrent loans | 340.8124% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 5,526 |
| Noncurrent loans to loans | 0.2049% | 4,951 |
| Net loans and leases to total assets | 41.1119% | 5,569 |
| Net loans and leases to deposits | 51.1207% | 5,442 |
| Net loans and leases to core deposits | 99.6053% | 1,523 |
| Total domestic deposits to total assets | 80.4211% | 4,772 |
| Equity capital to assets | 8.9164% | 5,323 |
| Core capital (leverage) ratio | 8.4954% | 5,535 |
| Tier 1 risk-based capital ratio | 14.0422% | 3,904 |
| Total risk-based capital ratio | 14.5427% | 4,276 |
| Memoranda: | ||
| Average total assets | $590,464,000 | 1,162 |
| Average earning assets | $550,296,330 | 1,150 |
| Average equity | $54,621,000 | 1,381 |
| Average total loans | $250,778,670 | 1,737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,258 |
| Cost of funding earning assets | 1.1316% | 80 |
| Net interest margin | 2.6002% | 5,926 |
| Noninterest income to average assets | 0.2114% | 5,442 |
| Noninterest expense to average assets | 1.5134% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9302% | 2,609 |
| Return on assets (ROA) | 1.1622% | 1,762 |
| Pretax return on assets | 1.3998% | 1,892 |
| Return on Equity (ROE) | 12.3305% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.3305% | 526 |
| Net charge-offs to loans | 0.4640% | 534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.6103% | 2,371 |
| Efficiency ratio | 55.2680% | 5,574 |
| Assets per employee ($millions) | 6.3846% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 6,024 |
| Loan loss allowance to noncurrent loans | 1,980.5195% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,876 |
| Noncurrent loans to loans | 0.0316% | 5,669 |
| Net loans and leases to total assets | 42.1257% | 5,472 |
| Net loans and leases to deposits | 54.8536% | 5,134 |
| Net loans and leases to core deposits | 95.6181% | 1,643 |
| Total domestic deposits to total assets | 76.7966% | 5,645 |
| Equity capital to assets | 9.5880% | 4,649 |
| Core capital (leverage) ratio | 8.3110% | 5,715 |
| Tier 1 risk-based capital ratio | 13.9132% | 4,079 |
| Total risk-based capital ratio | 14.3555% | 4,470 |
| Memoranda: | ||
| Average total assets | $580,944,500 | 1,187 |
| Average earning assets | $541,195,500 | 1,180 |
| Average equity | $54,758,500 | 1,389 |
| Average total loans | $249,998,000 | 1,742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,450 |
| Cost of funding earning assets | 1.2822% | 59 |
| Net interest margin | 2.7845% | 5,833 |
| Noninterest income to average assets | 0.2626% | 5,253 |
| Noninterest expense to average assets | 1.6091% | 6,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0348% | 2,240 |
| Return on assets (ROA) | 1.4985% | 919 |
| Pretax return on assets | 1.7831% | 825 |
| Return on Equity (ROE) | 16.5110% | 550 |
| Retained earnings to average equity (ytd only) | 4.8671% | 2,703 |
| Net charge-offs to loans | 0.0105% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 268.8462% | 201 |
| Efficiency ratio | 53.9998% | 5,842 |
| Assets per employee ($millions) | 6.7503% | 935 |
| Cash dividends to net income (ytd only)* | 70.5219% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7078% | 5,977 |
| Loan loss allowance to noncurrent loans | 4,653.8462% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 6,060 |
| Noncurrent loans to loans | 0.0152% | 5,845 |
| Net loans and leases to total assets | 43.3521% | 5,507 |
| Net loans and leases to deposits | 58.0240% | 5,064 |
| Net loans and leases to core deposits | 68.6230% | 4,437 |
| Total domestic deposits to total assets | 74.7141% | 5,885 |
| Equity capital to assets | 9.2670% | 4,983 |
| Core capital (leverage) ratio | 8.0976% | 5,935 |
| Tier 1 risk-based capital ratio | 13.0441% | 4,701 |
| Total risk-based capital ratio | 13.5562% | 5,064 |
| Memoranda: | ||
| Average total assets | $567,780,600 | 1,164 |
| Average earning assets | $525,581,200 | 1,158 |
| Average equity | $51,529,400 | 1,409 |
| Average total loans | $247,495,600 | 1,703 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,202 |
| Cost of funding earning assets | 1.2676% | 66 |
| Net interest margin | 2.8740% | 5,752 |
| Noninterest income to average assets | 0.2399% | 5,486 |
| Noninterest expense to average assets | 1.6016% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1701% | 1,791 |
| Return on assets (ROA) | 1.6779% | 666 |
| Pretax return on assets | 1.8591% | 781 |
| Return on Equity (ROE) | 18.5905% | 389 |
| Retained earnings to average equity (ytd only) | 8.0933% | 1,311 |
| Net charge-offs to loans | -0.0256% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6699% | 5,949 |
| Assets per employee ($millions) | 6.3992% | 1,083 |
| Cash dividends to net income (ytd only)* | 56.4653% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 5,900 |
| Loan loss allowance to noncurrent loans | 108.1948% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 5,040 |
| Noncurrent loans to loans | 0.7285% | 3,778 |
| Net loans and leases to total assets | 41.7292% | 5,697 |
| Net loans and leases to deposits | 56.0276% | 5,235 |
| Net loans and leases to core deposits | 98.3159% | 1,502 |
| Total domestic deposits to total assets | 74.4797% | 5,970 |
| Equity capital to assets | 9.8232% | 4,393 |
| Core capital (leverage) ratio | 8.5083% | 5,652 |
| Tier 1 risk-based capital ratio | 13.3954% | 4,607 |
| Total risk-based capital ratio | 13.9371% | 4,959 |
| Memoranda: | ||
| Average total assets | $562,907,000 | 1,188 |
| Average earning assets | $520,327,000 | 1,181 |
| Average equity | $50,806,000 | 1,436 |
| Average total loans | $245,266,750 | 1,728 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 3,213 |
| Cost of funding earning assets | 1.2565% | 72 |
| Net interest margin | 2.8777% | 5,773 |
| Noninterest income to average assets | 0.3103% | 4,933 |
| Noninterest expense to average assets | 1.5641% | 6,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1949% | 1,607 |
| Return on assets (ROA) | 1.5770% | 778 |
| Pretax return on assets | 1.8498% | 756 |
| Return on Equity (ROE) | 18.0108% | 457 |
| Retained earnings to average equity (ytd only) | 1.7151% | 5,044 |
| Net charge-offs to loans | -0.0421% | 5,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1865% | 6,163 |
| Assets per employee ($millions) | 6.1997% | 1,172 |
| Cash dividends to net income (ytd only)* | 90.4773% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 6,067 |
| Loan loss allowance to noncurrent loans | 1,245.3947% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 6,131 |
| Noncurrent loans to loans | 0.0610% | 5,846 |
| Net loans and leases to total assets | 44.3435% | 5,511 |
| Net loans and leases to deposits | 60.0151% | 4,866 |
| Net loans and leases to core deposits | 101.7101% | 1,157 |
| Total domestic deposits to total assets | 73.8872% | 6,120 |
| Equity capital to assets | 9.4565% | 4,787 |
| Core capital (leverage) ratio | 8.1754% | 5,956 |
| Tier 1 risk-based capital ratio | 12.1912% | 5,428 |
| Total risk-based capital ratio | 12.7154% | 5,772 |
| Memoranda: | ||
| Average total assets | $560,700,330 | 1,190 |
| Average earning assets | $517,154,330 | 1,182 |
| Average equity | $49,092,670 | 1,462 |
| Average total loans | $247,173,330 | 1,712 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 2,926 |
| Cost of funding earning assets | 1.2213% | 89 |
| Net interest margin | 2.9647% | 5,616 |
| Noninterest income to average assets | 0.2854% | 5,084 |
| Noninterest expense to average assets | 1.5493% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2150% | 1,444 |
| Return on assets (ROA) | 1.4589% | 911 |
| Pretax return on assets | 1.7543% | 869 |
| Return on Equity (ROE) | 17.3521% | 495 |
| Retained earnings to average equity (ytd only) | -16.5057% | 6,489 |
| Net charge-offs to loans | -0.0683% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9477% | 6,317 |
| Assets per employee ($millions) | 6.2678% | 1,139 |
| Cash dividends to net income (ytd only)* | 195.1220% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 6,131 |
| Loan loss allowance to noncurrent loans | 932.1782% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,188 |
| Noncurrent loans to loans | 0.0846% | 5,881 |
| Net loans and leases to total assets | 42.4837% | 5,629 |
| Net loans and leases to deposits | 55.6362% | 5,142 |
| Net loans and leases to core deposits | 93.0525% | 1,635 |
| Total domestic deposits to total assets | 76.3597% | 6,044 |
| Equity capital to assets | 8.5508% | 5,599 |
| Core capital (leverage) ratio | 7.5287% | 6,328 |
| Tier 1 risk-based capital ratio | 11.8360% | 5,737 |
| Total risk-based capital ratio | 12.3719% | 6,060 |
| Memoranda: | ||
| Average total assets | $562,062,500 | 1,188 |
| Average earning assets | $516,484,500 | 1,190 |
| Average equity | $47,256,500 | 1,509 |
| Average total loans | $246,100,500 | 1,716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,999 |
| Cost of funding earning assets | 1.2137% | 162 |
| Net interest margin | 3.0771% | 5,386 |
| Noninterest income to average assets | 0.4305% | 4,231 |
| Noninterest expense to average assets | 1.8147% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1913% | 1,607 |
| Return on assets (ROA) | 1.4344% | 990 |
| Pretax return on assets | 1.7309% | 894 |
| Return on Equity (ROE) | 15.5786% | 681 |
| Retained earnings to average equity (ytd only) | 9.2484% | 724 |
| Net charge-offs to loans | 0.0863% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 33.9495% | 1,073 |
| Efficiency ratio | 53.2286% | 6,200 |
| Assets per employee ($millions) | 6.0892% | 1,210 |
| Cash dividends to net income (ytd only)* | 40.6339% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 6,311 |
| Loan loss allowance to noncurrent loans | 3,347.2727% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,353 |
| Noncurrent loans to loans | 0.0217% | 6,202 |
| Net loans and leases to total assets | 44.4098% | 5,638 |
| Net loans and leases to deposits | 60.6408% | 4,876 |
| Net loans and leases to core deposits | 104.9252% | 862 |
| Total domestic deposits to total assets | 73.2342% | 6,335 |
| Equity capital to assets | 8.2667% | 5,809 |
| Core capital (leverage) ratio | 7.9147% | 6,193 |
| Tier 1 risk-based capital ratio | 11.3580% | 5,992 |
| Total risk-based capital ratio | 11.8391% | 6,297 |
| Memoranda: | ||
| Average total assets | $514,694,800 | 1,290 |
| Average earning assets | $472,028,800 | 1,290 |
| Average equity | $47,391,800 | 1,481 |
| Average total loans | $252,571,000 | 1,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,033 |
| Cost of funding earning assets | 1.1973% | 203 |
| Net interest margin | 3.0943% | 5,331 |
| Noninterest income to average assets | 0.4833% | 3,916 |
| Noninterest expense to average assets | 1.8618% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2063% | 1,607 |
| Return on assets (ROA) | 1.4423% | 1,059 |
| Pretax return on assets | 1.7494% | 999 |
| Return on Equity (ROE) | 15.2245% | 766 |
| Retained earnings to average equity (ytd only) | 6.8101% | 1,967 |
| Net charge-offs to loans | 0.1067% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.2323% | 1,318 |
| Efficiency ratio | 53.4538% | 6,148 |
| Assets per employee ($millions) | 6.0092% | 1,238 |
| Cash dividends to net income (ytd only)* | 55.2690% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 6,364 |
| Loan loss allowance to noncurrent loans | 2,691.3043% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 6,393 |
| Noncurrent loans to loans | 0.0280% | 6,268 |
| Net loans and leases to total assets | 45.2644% | 5,607 |
| Net loans and leases to deposits | 60.1320% | 4,956 |
| Net loans and leases to core deposits | 102.0412% | 991 |
| Total domestic deposits to total assets | 75.2751% | 6,252 |
| Equity capital to assets | 8.2452% | 5,960 |
| Core capital (leverage) ratio | 8.2459% | 6,018 |
| Tier 1 risk-based capital ratio | 11.1434% | 6,221 |
| Total risk-based capital ratio | 11.6427% | 6,451 |
| Memoranda: | ||
| Average total assets | $501,795,000 | 1,336 |
| Average earning assets | $460,575,750 | 1,323 |
| Average equity | $47,536,250 | 1,487 |
| Average total loans | $252,381,000 | 1,649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,842 |
| Cost of funding earning assets | 1.1862% | 225 |
| Net interest margin | 3.1410% | 5,154 |
| Noninterest income to average assets | 0.6215% | 3,065 |
| Noninterest expense to average assets | 1.9195% | 6,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2716% | 1,398 |
| Return on assets (ROA) | 1.5643% | 869 |
| Pretax return on assets | 1.9555% | 658 |
| Return on Equity (ROE) | 15.7592% | 698 |
| Retained earnings to average equity (ytd only) | 3.3926% | 4,160 |
| Net charge-offs to loans | 0.1243% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 24.5886% | 1,291 |
| Efficiency ratio | 52.2038% | 6,269 |
| Assets per employee ($millions) | 5.3672% | 1,731 |
| Cash dividends to net income (ytd only)* | 78.4724% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 6,382 |
| Loan loss allowance to noncurrent loans | 683.8129% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 6,335 |
| Noncurrent loans to loans | 0.1149% | 6,047 |
| Net loans and leases to total assets | 48.6124% | 5,270 |
| Net loans and leases to deposits | 70.7539% | 3,621 |
| Net loans and leases to core deposits | 99.2307% | 1,131 |
| Total domestic deposits to total assets | 68.7063% | 6,701 |
| Equity capital to assets | 9.1135% | 5,088 |
| Core capital (leverage) ratio | 8.3566% | 5,815 |
| Tier 1 risk-based capital ratio | 11.0846% | 6,297 |
| Total risk-based capital ratio | 11.6146% | 6,522 |
| Memoranda: | ||
| Average total assets | $488,785,330 | 1,370 |
| Average earning assets | $449,341,670 | 1,359 |
| Average equity | $48,517,670 | 1,471 |
| Average total loans | $254,288,670 | 1,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4390% | 2,387 |
| Cost of funding earning assets | 1.2226% | 210 |
| Net interest margin | 3.2164% | 4,864 |
| Noninterest income to average assets | 0.5602% | 3,369 |
| Noninterest expense to average assets | 2.0885% | 5,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2330% | 1,426 |
| Return on assets (ROA) | 1.1368% | 1,841 |
| Pretax return on assets | 1.3243% | 2,143 |
| Return on Equity (ROE) | 10.9953% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.9953% | 878 |
| Net charge-offs to loans | 0.2288% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.7181% | 1,652 |
| Efficiency ratio | 56.7561% | 5,991 |
| Assets per employee ($millions) | 5.2321% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7625% | 6,516 |
| Loan loss allowance to noncurrent loans | 1,150.6024% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 6,507 |
| Noncurrent loans to loans | 0.0663% | 6,280 |
| Net loans and leases to total assets | 51.0873% | 4,828 |
| Net loans and leases to deposits | 72.5425% | 3,118 |
| Net loans and leases to core deposits | 97.7926% | 1,091 |
| Total domestic deposits to total assets | 70.4239% | 6,739 |
| Equity capital to assets | 10.5545% | 3,487 |
| Core capital (leverage) ratio | 8.5419% | 5,525 |
| Tier 1 risk-based capital ratio | 13.0039% | 5,212 |
| Total risk-based capital ratio | 13.6210% | 5,613 |
| Memoranda: | ||
| Average total assets | $486,285,000 | 1,380 |
| Average earning assets | $448,209,500 | 1,375 |
| Average equity | $50,276,000 | 1,446 |
| Average total loans | $260,462,000 | 1,611 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 1,810 |
| Cost of funding earning assets | 1.3897% | 261 |
| Net interest margin | 3.5200% | 4,421 |
| Noninterest income to average assets | 0.3732% | 4,811 |
| Noninterest expense to average assets | 2.0494% | 6,236 |
| Loan and lease loss provision to assets | 0.0502% | 5,186 |
| Net operating income to assets | 1.2418% | 1,471 |
| Return on assets (ROA) | 1.4430% | 1,143 |
| Pretax return on assets | 1.7437% | 1,034 |
| Return on Equity (ROE) | 13.6852% | 1,056 |
| Retained earnings to average equity (ytd only) | -0.1883% | 5,883 |
| Net charge-offs to loans | 0.0904% | 4,769 |
| Credit loss provision to net charge-offs | 100.8403% | 3,006 |
| Earnings coverage of net charge-offs (x) | 31.1933% | 976 |
| Efficiency ratio | 54.4252% | 6,221 |
| Assets per employee ($millions) | 5.1700% | 2,022 |
| Cash dividends to net income (ytd only)* | 101.3758% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 6,551 |
| Loan loss allowance to noncurrent loans | 1,019.3069% | 454 |
| Noncurrent assets plus other real estate owned to assets | 3.5730% | 1,255 |
| Noncurrent loans to loans | 0.0747% | 6,296 |
| Net loans and leases to total assets | 55.2223% | 4,417 |
| Net loans and leases to deposits | 80.9509% | 2,152 |
| Net loans and leases to core deposits | 110.4694% | 531 |
| Total domestic deposits to total assets | 68.2171% | 6,850 |
| Equity capital to assets | 10.1228% | 4,010 |
| Core capital (leverage) ratio | 8.3570% | 5,816 |
| Tier 1 risk-based capital ratio | 11.5711% | 6,046 |
| Total risk-based capital ratio | 12.1852% | 6,340 |
| Memoranda: | ||
| Average total assets | $478,522,000 | 1,386 |
| Average earning assets | $438,784,400 | 1,372 |
| Average equity | $50,456,000 | 1,400 |
| Average total loans | $263,225,600 | 1,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 1,710 |
| Cost of funding earning assets | 1.4491% | 248 |
| Net interest margin | 3.5424% | 4,482 |
| Noninterest income to average assets | 0.3606% | 4,939 |
| Noninterest expense to average assets | 2.1242% | 6,120 |
| Loan and lease loss provision to assets | 0.0671% | 4,849 |
| Net operating income to assets | 1.1736% | 1,819 |
| Return on assets (ROA) | 1.4680% | 1,206 |
| Pretax return on assets | 1.7712% | 1,114 |
| Return on Equity (ROE) | 13.7817% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.5296% | 1,400 |
| Net charge-offs to loans | 0.0954% | 4,428 |
| Credit loss provision to net charge-offs | 128.3422% | 2,250 |
| Earnings coverage of net charge-offs (x) | 28.3633% | 1,149 |
| Efficiency ratio | 56.3886% | 6,004 |
| Assets per employee ($millions) | 5.0852% | 2,066 |
| Cash dividends to net income (ytd only)* | 38.1097% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 6,579 |
| Loan loss allowance to noncurrent loans | 830.7087% | 511 |
| Noncurrent assets plus other real estate owned to assets | 3.5621% | 1,403 |
| Noncurrent loans to loans | 0.0975% | 6,372 |
| Net loans and leases to total assets | 55.2427% | 4,563 |
| Net loans and leases to deposits | 81.1280% | 2,231 |
| Net loans and leases to core deposits | 112.9783% | 462 |
| Total domestic deposits to total assets | 68.0933% | 6,919 |
| Equity capital to assets | 11.2990% | 2,935 |
| Core capital (leverage) ratio | 9.2126% | 4,738 |
| Tier 1 risk-based capital ratio | 13.0116% | 5,243 |
| Total risk-based capital ratio | 13.6641% | 5,666 |
| Memoranda: | ||
| Average total assets | $476,657,250 | 1,406 |
| Average earning assets | $436,947,750 | 1,399 |
| Average equity | $50,771,250 | 1,402 |
| Average total loans | $261,424,750 | 1,593 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,667 |
| Cost of funding earning assets | 1.4404% | 301 |
| Net interest margin | 3.6084% | 4,219 |
| Noninterest income to average assets | 0.3249% | 5,228 |
| Noninterest expense to average assets | 2.1164% | 6,203 |
| Loan and lease loss provision to assets | 0.1001% | 4,275 |
| Net operating income to assets | 1.2136% | 1,670 |
| Return on assets (ROA) | 1.3461% | 1,472 |
| Pretax return on assets | 1.5751% | 1,624 |
| Return on Equity (ROE) | 12.8927% | 1,388 |
| Retained earnings to average equity (ytd only) | 4.9047% | 3,333 |
| Net charge-offs to loans | 0.0787% | 4,360 |
| Credit loss provision to net charge-offs | 233.0097% | 1,221 |
| Earnings coverage of net charge-offs (x) | 35.3689% | 970 |
| Efficiency ratio | 55.7582% | 6,142 |
| Assets per employee ($millions) | 4.9518% | 2,234 |
| Cash dividends to net income (ytd only)* | 61.9579% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,558 |
| Loan loss allowance to noncurrent loans | 246.2402% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 3.8348% | 1,352 |
| Noncurrent loans to loans | 0.3479% | 5,851 |
| Net loans and leases to total assets | 54.5469% | 4,698 |
| Net loans and leases to deposits | 79.2832% | 2,485 |
| Net loans and leases to core deposits | 110.5394% | 556 |
| Total domestic deposits to total assets | 68.8001% | 6,960 |
| Equity capital to assets | 10.9868% | 3,134 |
| Core capital (leverage) ratio | 8.7978% | 5,215 |
| Tier 1 risk-based capital ratio | 12.3556% | 5,677 |
| Total risk-based capital ratio | 13.0336% | 6,049 |
| Memoranda: | ||
| Average total assets | $479,596,670 | 1,400 |
| Average earning assets | $440,030,330 | 1,392 |
| Average equity | $50,074,670 | 1,418 |
| Average total loans | $261,714,000 | 1,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 2,435 |
| Cost of funding earning assets | 1.5171% | 266 |
| Net interest margin | 3.3349% | 5,350 |
| Noninterest income to average assets | 0.3567% | 5,018 |
| Noninterest expense to average assets | 2.0869% | 6,294 |
| Loan and lease loss provision to assets | 0.0986% | 4,110 |
| Net operating income to assets | 1.0686% | 2,212 |
| Return on assets (ROA) | 1.2945% | 1,642 |
| Pretax return on assets | 1.4934% | 1,887 |
| Return on Equity (ROE) | 12.7165% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.7165% | 725 |
| Net charge-offs to loans | 0.1527% | 3,177 |
| Credit loss provision to net charge-offs | 118.8119% | 2,000 |
| Earnings coverage of net charge-offs (x) | 16.0495% | 1,387 |
| Efficiency ratio | 58.4615% | 5,853 |
| Assets per employee ($millions) | 5.2957% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 6,720 |
| Loan loss allowance to noncurrent loans | 105.9184% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 3.7698% | 1,486 |
| Noncurrent loans to loans | 0.7652% | 5,130 |
| Net loans and leases to total assets | 51.5848% | 5,073 |
| Net loans and leases to deposits | 72.4943% | 3,355 |
| Net loans and leases to core deposits | 104.5120% | 740 |
| Total domestic deposits to total assets | 71.1570% | 6,928 |
| Equity capital to assets | 10.4191% | 3,597 |
| Core capital (leverage) ratio | 8.5706% | 5,478 |
| Tier 1 risk-based capital ratio | 12.4089% | 5,681 |
| Total risk-based capital ratio | 13.0489% | 6,068 |
| Memoranda: | ||
| Average total assets | $486,660,500 | 1,385 |
| Average earning assets | $446,907,500 | 1,382 |
| Average equity | $49,542,000 | 1,424 |
| Average total loans | $264,524,500 | 1,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 1,801 |
| Cost of funding earning assets | 1.5147% | 675 |
| Net interest margin | 3.7560% | 4,048 |
| Noninterest income to average assets | 0.3460% | 5,037 |
| Noninterest expense to average assets | 2.3145% | 6,006 |
| Loan and lease loss provision to assets | 0.1047% | 5,276 |
| Net operating income to assets | 1.2751% | 1,305 |
| Return on assets (ROA) | 0.9868% | 2,392 |
| Pretax return on assets | 1.0476% | 3,042 |
| Return on Equity (ROE) | 8.8009% | 2,543 |
| Retained earnings to average equity (ytd only) | -6.1819% | 6,520 |
| Net charge-offs to loans | 0.1519% | 4,923 |
| Credit loss provision to net charge-offs | 113.4752% | 2,895 |
| Earnings coverage of net charge-offs (x) | 15.8109% | 1,368 |
| Efficiency ratio | 58.8541% | 5,926 |
| Assets per employee ($millions) | 5.0613% | 2,116 |
| Cash dividends to net income (ytd only)* | 170.2410% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 6,829 |
| Loan loss allowance to noncurrent loans | 70.1091% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 4.2587% | 1,313 |
| Noncurrent loans to loans | 1.0750% | 4,558 |
| Net loans and leases to total assets | 56.3330% | 4,644 |
| Net loans and leases to deposits | 79.7157% | 2,575 |
| Net loans and leases to core deposits | 125.0552% | 285 |
| Total domestic deposits to total assets | 70.6674% | 6,955 |
| Equity capital to assets | 9.9350% | 4,246 |
| Core capital (leverage) ratio | 8.4304% | 5,667 |
| Tier 1 risk-based capital ratio | 11.3886% | 6,229 |
| Total risk-based capital ratio | 11.9954% | 6,561 |
| Memoranda: | ||
| Average total assets | $458,367,800 | 1,433 |
| Average earning assets | $418,288,200 | 1,434 |
| Average equity | $51,392,200 | 1,332 |
| Average total loans | $278,397,000 | 1,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 1,709 |
| Cost of funding earning assets | 1.5234% | 787 |
| Net interest margin | 3.8180% | 3,778 |
| Noninterest income to average assets | 0.3484% | 5,070 |
| Noninterest expense to average assets | 2.4466% | 5,640 |
| Loan and lease loss provision to assets | 0.1060% | 5,115 |
| Net operating income to assets | 1.1579% | 1,786 |
| Return on assets (ROA) | 1.0743% | 2,205 |
| Pretax return on assets | 1.1830% | 2,685 |
| Return on Equity (ROE) | 9.3004% | 2,461 |
| Retained earnings to average equity (ytd only) | -3.9567% | 6,513 |
| Net charge-offs to loans | 0.1334% | 4,721 |
| Credit loss provision to net charge-offs | 128.5714% | 2,480 |
| Earnings coverage of net charge-offs (x) | 16.7466% | 1,384 |
| Efficiency ratio | 61.4526% | 5,490 |
| Assets per employee ($millions) | 4.7680% | 2,528 |
| Cash dividends to net income (ytd only)* | 142.5438% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 6,878 |
| Loan loss allowance to noncurrent loans | 71.0625% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 5,429 |
| Noncurrent loans to loans | 1.0681% | 4,780 |
| Net loans and leases to total assets | 59.4140% | 4,251 |
| Net loans and leases to deposits | 85.4698% | 1,760 |
| Net loans and leases to core deposits | 126.5311% | 284 |
| Total domestic deposits to total assets | 69.5146% | 7,062 |
| Equity capital to assets | 10.9494% | 3,195 |
| Core capital (leverage) ratio | 9.3065% | 4,446 |
| Tier 1 risk-based capital ratio | 11.8257% | 6,020 |
| Total risk-based capital ratio | 12.4381% | 6,420 |
| Memoranda: | ||
| Average total assets | $452,754,000 | 1,460 |
| Average earning assets | $412,564,000 | 1,457 |
| Average equity | $52,297,750 | 1,299 |
| Average total loans | $279,766,500 | 1,533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 1,535 |
| Cost of funding earning assets | 1.5095% | 976 |
| Net interest margin | 3.8988% | 3,314 |
| Noninterest income to average assets | 0.3418% | 5,146 |
| Noninterest expense to average assets | 2.3862% | 5,884 |
| Loan and lease loss provision to assets | 0.1064% | 4,974 |
| Net operating income to assets | 1.2147% | 1,529 |
| Return on assets (ROA) | 1.1576% | 1,775 |
| Pretax return on assets | 1.3301% | 2,042 |
| Return on Equity (ROE) | 9.8483% | 2,171 |
| Retained earnings to average equity (ytd only) | -3.3532% | 6,412 |
| Net charge-offs to loans | 0.1740% | 4,127 |
| Credit loss provision to net charge-offs | 97.9592% | 3,222 |
| Earnings coverage of net charge-offs (x) | 13.8286% | 1,519 |
| Efficiency ratio | 58.9282% | 6,040 |
| Assets per employee ($millions) | 4.5034% | 2,827 |
| Cash dividends to net income (ytd only)* | 134.0483% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 6,976 |
| Loan loss allowance to noncurrent loans | 92.4896% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,862 |
| Noncurrent loans to loans | 0.7962% | 5,322 |
| Net loans and leases to total assets | 60.9361% | 4,101 |
| Net loans and leases to deposits | 87.3363% | 1,602 |
| Net loans and leases to core deposits | 125.2418% | 325 |
| Total domestic deposits to total assets | 69.7718% | 7,125 |
| Equity capital to assets | 11.9159% | 2,155 |
| Core capital (leverage) ratio | 9.3490% | 4,177 |
| Tier 1 risk-based capital ratio | 12.3996% | 5,439 |
| Total risk-based capital ratio | 13.0056% | 5,969 |
| Memoranda: | ||
| Average total assets | $451,097,330 | 1,476 |
| Average earning assets | $410,335,000 | 1,478 |
| Average equity | $53,024,330 | 1,268 |
| Average total loans | $281,678,000 | 1,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 1,511 |
| Cost of funding earning assets | 1.5218% | 1,087 |
| Net interest margin | 3.8933% | 3,174 |
| Noninterest income to average assets | 0.3228% | 5,343 |
| Noninterest expense to average assets | 2.3448% | 6,064 |
| Loan and lease loss provision to assets | 0.1053% | 4,701 |
| Net operating income to assets | 1.0319% | 2,066 |
| Return on assets (ROA) | 0.9211% | 2,530 |
| Pretax return on assets | 1.2580% | 2,168 |
| Return on Equity (ROE) | 7.8885% | 2,967 |
| Retained earnings to average equity (ytd only) | -3.3808% | 6,345 |
| Net charge-offs to loans | 0.2508% | 3,080 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | 9.5944% | 1,706 |
| Efficiency ratio | 58.3182% | 6,230 |
| Assets per employee ($millions) | 4.7033% | 2,570 |
| Cash dividends to net income (ytd only)* | 142.8571% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 7,075 |
| Loan loss allowance to noncurrent loans | 99.3344% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 6,139 |
| Noncurrent loans to loans | 0.7078% | 5,598 |
| Net loans and leases to total assets | 60.0523% | 4,254 |
| Net loans and leases to deposits | 85.0741% | 1,865 |
| Net loans and leases to core deposits | 121.7032% | 385 |
| Total domestic deposits to total assets | 70.5882% | 7,151 |
| Equity capital to assets | 11.7428% | 2,086 |
| Core capital (leverage) ratio | 9.2469% | 4,217 |
| Tier 1 risk-based capital ratio | 12.3374% | 5,411 |
| Total risk-based capital ratio | 12.9195% | 5,955 |
| Memoranda: | ||
| Average total assets | $455,978,000 | 1,473 |
| Average earning assets | $414,245,500 | 1,476 |
| Average equity | $53,242,000 | 1,258 |
| Average total loans | $287,053,000 | 1,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0166% | 823 |
| Cost of funding earning assets | 1.7535% | 1,367 |
| Net interest margin | 4.2631% | 1,948 |
| Noninterest income to average assets | 0.3715% | 5,123 |
| Noninterest expense to average assets | 2.2001% | 6,615 |
| Loan and lease loss provision to assets | 0.2466% | 4,821 |
| Net operating income to assets | 1.2285% | 1,346 |
| Return on assets (ROA) | 1.0774% | 1,863 |
| Pretax return on assets | 1.5833% | 1,167 |
| Return on Equity (ROE) | 9.4394% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.4749% | 2,127 |
| Net charge-offs to loans | 0.4200% | 3,941 |
| Credit loss provision to net charge-offs | 87.4098% | 5,231 |
| Earnings coverage of net charge-offs (x) | 7.2735% | 2,164 |
| Efficiency ratio | 49.4573% | 7,170 |
| Assets per employee ($millions) | 4.6034% | 2,703 |
| Cash dividends to net income (ytd only)* | 41.9992% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6707% | 7,174 |
| Loan loss allowance to noncurrent loans | 90.4977% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 6,063 |
| Noncurrent loans to loans | 0.7411% | 5,563 |
| Net loans and leases to total assets | 64.9928% | 3,668 |
| Net loans and leases to deposits | 92.0898% | 1,259 |
| Net loans and leases to core deposits | 139.8063% | 228 |
| Total domestic deposits to total assets | 70.5754% | 7,202 |
| Equity capital to assets | 11.6100% | 2,180 |
| Core capital (leverage) ratio | 9.3358% | 3,956 |
| Tier 1 risk-based capital ratio | 11.6495% | 5,772 |
| Total risk-based capital ratio | 12.2108% | 6,330 |
| Memoranda: | ||
| Average total assets | $441,979,400 | 1,510 |
| Average earning assets | $402,338,600 | 1,513 |
| Average equity | $50,448,200 | 1,319 |
| Average total loans | $296,924,800 | 1,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1101% | 745 |
| Cost of funding earning assets | 1.8065% | 1,390 |
| Net interest margin | 4.3036% | 1,840 |
| Noninterest income to average assets | 0.3782% | 5,135 |
| Noninterest expense to average assets | 2.1775% | 6,666 |
| Loan and lease loss provision to assets | 0.1551% | 5,490 |
| Net operating income to assets | 1.3288% | 1,288 |
| Return on assets (ROA) | 1.1179% | 1,940 |
| Pretax return on assets | 1.6548% | 1,208 |
| Return on Equity (ROE) | 9.8380% | 2,190 |
| Retained earnings to average equity (ytd only) | 4.4869% | 3,357 |
| Net charge-offs to loans | 0.3920% | 3,720 |
| Credit loss provision to net charge-offs | 58.4862% | 5,737 |
| Earnings coverage of net charge-offs (x) | 7.9965% | 2,225 |
| Efficiency ratio | 48.3976% | 7,248 |
| Assets per employee ($millions) | 4.5348% | 2,855 |
| Cash dividends to net income (ytd only)* | 54.3922% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 7,348 |
| Loan loss allowance to noncurrent loans | 77.7730% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5542% | 6,043 |
| Noncurrent loans to loans | 0.7753% | 5,663 |
| Net loans and leases to total assets | 65.2526% | 3,851 |
| Net loans and leases to deposits | 92.3445% | 1,402 |
| Net loans and leases to core deposits | 141.0895% | 249 |
| Total domestic deposits to total assets | 70.6621% | 7,241 |
| Equity capital to assets | 11.2596% | 2,733 |
| Core capital (leverage) ratio | 9.2831% | 4,229 |
| Tier 1 risk-based capital ratio | 11.5718% | 5,859 |
| Total risk-based capital ratio | 12.0866% | 6,493 |
| Memoranda: | ||
| Average total assets | $438,540,500 | 1,545 |
| Average earning assets | $399,372,250 | 1,539 |
| Average equity | $49,832,500 | 1,346 |
| Average total loans | $296,607,250 | 1,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1970% | 629 |
| Cost of funding earning assets | 1.8588% | 1,386 |
| Net interest margin | 4.3382% | 1,645 |
| Noninterest income to average assets | 0.3704% | 5,179 |
| Noninterest expense to average assets | 2.1769% | 6,706 |
| Loan and lease loss provision to assets | 0.1799% | 5,068 |
| Net operating income to assets | 1.3294% | 1,238 |
| Return on assets (ROA) | 1.1283% | 1,835 |
| Pretax return on assets | 1.6680% | 1,121 |
| Return on Equity (ROE) | 9.8982% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.8982% | 867 |
| Net charge-offs to loans | 0.4247% | 3,297 |
| Credit loss provision to net charge-offs | 62.0032% | 5,167 |
| Earnings coverage of net charge-offs (x) | 7.3879% | 2,307 |
| Efficiency ratio | 48.0995% | 7,344 |
| Assets per employee ($millions) | 4.2753% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6525% | 7,330 |
| Loan loss allowance to noncurrent loans | 76.5363% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,869 |
| Noncurrent loans to loans | 0.8526% | 5,561 |
| Net loans and leases to total assets | 68.3013% | 3,287 |
| Net loans and leases to deposits | 99.4165% | 773 |
| Net loans and leases to core deposits | 130.9309% | 406 |
| Total domestic deposits to total assets | 68.7023% | 7,401 |
| Equity capital to assets | 11.8229% | 2,203 |
| Core capital (leverage) ratio | 9.6739% | 3,574 |
| Tier 1 risk-based capital ratio | 12.0901% | 5,235 |
| Total risk-based capital ratio | 12.6550% | 5,839 |
| Memoranda: | ||
| Average total assets | $433,561,000 | 1,575 |
| Average earning assets | $394,768,670 | 1,572 |
| Average equity | $49,423,330 | 1,351 |
| Average total loans | $296,242,330 | 1,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 623 |
| Cost of funding earning assets | 1.7828% | 1,953 |
| Net interest margin | 4.4334% | 1,286 |
| Noninterest income to average assets | 0.3482% | 5,356 |
| Noninterest expense to average assets | 2.2145% | 6,652 |
| Loan and lease loss provision to assets | 0.2474% | 4,069 |
| Net operating income to assets | 1.3017% | 1,295 |
| Return on assets (ROA) | 1.2974% | 1,371 |
| Pretax return on assets | 1.9149% | 715 |
| Return on Equity (ROE) | 11.5918% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.5918% | 814 |
| Net charge-offs to loans | 0.3457% | 3,026 |
| Credit loss provision to net charge-offs | 105.0584% | 3,262 |
| Earnings coverage of net charge-offs (x) | 9.2101% | 1,883 |
| Efficiency ratio | 48.2860% | 7,419 |
| Assets per employee ($millions) | 4.4870% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 7,264 |
| Loan loss allowance to noncurrent loans | 87.8187% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 5,938 |
| Noncurrent loans to loans | 0.8474% | 5,623 |
| Net loans and leases to total assets | 65.8202% | 3,903 |
| Net loans and leases to deposits | 95.7623% | 1,138 |
| Net loans and leases to core deposits | 137.9458% | 354 |
| Total domestic deposits to total assets | 68.7329% | 7,484 |
| Equity capital to assets | 11.2428% | 2,542 |
| Core capital (leverage) ratio | 9.3103% | 4,036 |
| Tier 1 risk-based capital ratio | 11.6634% | 5,518 |
| Total risk-based capital ratio | 12.2970% | 6,085 |
| Memoranda: | ||
| Average total assets | $436,578,500 | 1,603 |
| Average earning assets | $397,350,000 | 1,601 |
| Average equity | $48,862,000 | 1,372 |
| Average total loans | $297,401,500 | 1,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0791% | 248 |
| Cost of funding earning assets | 2.2767% | 1,746 |
| Net interest margin | 4.8024% | 693 |
| Noninterest income to average assets | 0.4018% | 5,183 |
| Noninterest expense to average assets | 2.2191% | 6,943 |
| Loan and lease loss provision to assets | 0.3719% | 4,552 |
| Net operating income to assets | 1.4558% | 743 |
| Return on assets (ROA) | 1.2273% | 1,237 |
| Pretax return on assets | 1.8185% | 611 |
| Return on Equity (ROE) | 11.8134% | 1,206 |
| Retained earnings to average equity (ytd only) | 9.4736% | 432 |
| Net charge-offs to loans | 0.5119% | 3,731 |
| Credit loss provision to net charge-offs | 108.2037% | 5,118 |
| Earnings coverage of net charge-offs (x) | 7.3649% | 2,166 |
| Efficiency ratio | 44.5172% | 7,763 |
| Assets per employee ($millions) | 4.3781% | 3,150 |
| Cash dividends to net income (ytd only)* | 19.8059% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 7,352 |
| Loan loss allowance to noncurrent loans | 61.5758% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 5,437 |
| Noncurrent loans to loans | 1.1553% | 5,018 |
| Net loans and leases to total assets | 69.4569% | 3,374 |
| Net loans and leases to deposits | 101.0737% | 818 |
| Net loans and leases to core deposits | 110.1514% | 2,879 |
| Total domestic deposits to total assets | 68.7191% | 7,504 |
| Equity capital to assets | 11.1405% | 2,592 |
| Core capital (leverage) ratio | 9.3369% | 3,921 |
| Tier 1 risk-based capital ratio | 10.6192% | 6,280 |
| Total risk-based capital ratio | 11.2147% | 6,880 |
| Memoranda: | ||
| Average total assets | $411,386,600 | 1,678 |
| Average earning assets | $372,520,800 | 1,690 |
| Average equity | $42,739,600 | 1,562 |
| Average total loans | $276,249,800 | 1,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0320% | 284 |
| Cost of funding earning assets | 2.3087% | 1,950 |
| Net interest margin | 4.7234% | 799 |
| Noninterest income to average assets | 0.3886% | 5,400 |
| Noninterest expense to average assets | 2.3113% | 6,668 |
| Loan and lease loss provision to assets | 0.3482% | 4,242 |
| Net operating income to assets | 1.3471% | 1,129 |
| Return on assets (ROA) | 1.3475% | 1,190 |
| Pretax return on assets | 2.0042% | 533 |
| Return on Equity (ROE) | 13.2256% | 1,062 |
| Retained earnings to average equity (ytd only) | 10.0015% | 633 |
| Net charge-offs to loans | 0.4156% | 3,602 |
| Credit loss provision to net charge-offs | 126.1905% | 3,985 |
| Earnings coverage of net charge-offs (x) | 8.5226% | 2,230 |
| Efficiency ratio | 47.3054% | 7,702 |
| Assets per employee ($millions) | 4.2036% | 3,375 |
| Cash dividends to net income (ytd only)* | 24.3783% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,252 |
| Loan loss allowance to noncurrent loans | 61.2571% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 5,287 |
| Noncurrent loans to loans | 1.2306% | 4,893 |
| Net loans and leases to total assets | 70.1123% | 3,487 |
| Net loans and leases to deposits | 99.6879% | 1,131 |
| Net loans and leases to core deposits | 110.0815% | 3,225 |
| Total domestic deposits to total assets | 70.3318% | 7,392 |
| Equity capital to assets | 10.8261% | 3,188 |
| Core capital (leverage) ratio | 9.2943% | 4,198 |
| Tier 1 risk-based capital ratio | 10.1561% | 6,824 |
| Total risk-based capital ratio | 10.7695% | 7,327 |
| Memoranda: | ||
| Average total assets | $405,876,500 | 1,705 |
| Average earning assets | $367,299,750 | 1,726 |
| Average equity | $41,353,000 | 1,640 |
| Average total loans | $269,511,750 | 1,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2678% | 219 |
| Cost of funding earning assets | 2.4404% | 1,815 |
| Net interest margin | 4.8274% | 624 |
| Noninterest income to average assets | 0.4369% | 4,968 |
| Noninterest expense to average assets | 2.2660% | 6,861 |
| Loan and lease loss provision to assets | 0.2702% | 4,421 |
| Net operating income to assets | 1.5030% | 833 |
| Return on assets (ROA) | 1.5033% | 888 |
| Pretax return on assets | 2.2490% | 323 |
| Return on Equity (ROE) | 15.0893% | 818 |
| Retained earnings to average equity (ytd only) | 10.0662% | 721 |
| Net charge-offs to loans | 0.2336% | 4,038 |
| Credit loss provision to net charge-offs | 178.2178% | 2,573 |
| Earnings coverage of net charge-offs (x) | 16.6106% | 1,527 |
| Efficiency ratio | 45.1208% | 7,885 |
| Assets per employee ($millions) | 4.1721% | 3,345 |
| Cash dividends to net income (ytd only)* | 33.2889% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 7,061 |
| Loan loss allowance to noncurrent loans | 102.1525% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 6,023 |
| Noncurrent loans to loans | 0.8089% | 5,610 |
| Net loans and leases to total assets | 65.5330% | 4,661 |
| Net loans and leases to deposits | 92.0908% | 2,460 |
| Net loans and leases to core deposits | 103.3514% | 4,141 |
| Total domestic deposits to total assets | 71.1613% | 7,346 |
| Equity capital to assets | 9.5860% | 4,502 |
| Core capital (leverage) ratio | 8.2413% | 5,901 |
| Tier 1 risk-based capital ratio | 9.5081% | 7,385 |
| Total risk-based capital ratio | 10.1591% | 7,777 |
| Memoranda: | ||
| Average total assets | $399,649,000 | 1,759 |
| Average earning assets | $359,943,000 | 1,780 |
| Average equity | $39,816,330 | 1,710 |
| Average total loans | $259,372,670 | 1,892 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3464% | 209 |
| Cost of funding earning assets | 2.7311% | 1,171 |
| Net interest margin | 4.6153% | 916 |
| Noninterest income to average assets | 0.4012% | 5,203 |
| Noninterest expense to average assets | 2.2371% | 6,733 |
| Loan and lease loss provision to assets | 0.4298% | 2,777 |
| Net operating income to assets | 1.2560% | 1,490 |
| Return on assets (ROA) | 1.2567% | 1,589 |
| Pretax return on assets | 1.8738% | 852 |
| Return on Equity (ROE) | 12.3642% | 1,553 |
| Retained earnings to average equity (ytd only) | 12.3642% | 732 |
| Net charge-offs to loans | -0.3200% | 8,075 |
| Credit loss provision to net charge-offs | -208.9552% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8665% | 7,799 |
| Assets per employee ($millions) | 4.1931% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,419 |
| Loan loss allowance to noncurrent loans | 355.8824% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 7,000 |
| Noncurrent loans to loans | 0.2704% | 6,758 |
| Net loans and leases to total assets | 65.3467% | 4,739 |
| Net loans and leases to deposits | 92.1611% | 2,565 |
| Net loans and leases to core deposits | 103.6033% | 4,179 |
| Total domestic deposits to total assets | 70.9048% | 7,339 |
| Equity capital to assets | 9.8008% | 4,238 |
| Core capital (leverage) ratio | 8.2479% | 6,005 |
| Tier 1 risk-based capital ratio | 10.2002% | 6,721 |
| Total risk-based capital ratio | 11.0375% | 7,061 |
| Memoranda: | ||
| Average total assets | $390,867,000 | 1,799 |
| Average earning assets | $350,486,000 | 1,828 |
| Average equity | $39,727,500 | 1,716 |
| Average total loans | $251,214,000 | 1,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4397% | 462 |
| Cost of funding earning assets | 2.7102% | 3,114 |
| Net interest margin | 4.7295% | 915 |
| Noninterest income to average assets | 0.3493% | 5,937 |
| Noninterest expense to average assets | 2.5110% | 5,959 |
| Loan and lease loss provision to assets | 0.2428% | 4,482 |
| Net operating income to assets | 1.2916% | 1,506 |
| Return on assets (ROA) | 1.2939% | 1,451 |
| Pretax return on assets | 1.7977% | 949 |
| Return on Equity (ROE) | 11.7544% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.6420% | 1,694 |
| Net charge-offs to loans | 0.5564% | 2,153 |
| Credit loss provision to net charge-offs | 67.6447% | 6,115 |
| Earnings coverage of net charge-offs (x) | 5.6756% | 3,568 |
| Efficiency ratio | 52.4474% | 7,439 |
| Assets per employee ($millions) | 3.6242% | 4,356 |
| Cash dividends to net income (ytd only)* | 52.0009% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 6,660 |
| Loan loss allowance to noncurrent loans | 144.2403% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 5,895 |
| Noncurrent loans to loans | 0.6268% | 5,488 |
| Net loans and leases to total assets | 61.7288% | 5,662 |
| Net loans and leases to deposits | 95.7381% | 2,481 |
| Net loans and leases to core deposits | 119.9895% | 2,689 |
| Total domestic deposits to total assets | 64.4767% | 7,757 |
| Equity capital to assets | 10.5841% | 3,412 |
| Core capital (leverage) ratio | 7.7063% | 6,916 |
| Tier 1 risk-based capital ratio | 9.8244% | 6,927 |
| Total risk-based capital ratio | 10.5919% | 7,404 |
| Memoranda: | ||
| Average total assets | $341,822,000 | 1,944 |
| Average earning assets | $303,478,600 | 2,014 |
| Average equity | $37,628,400 | 1,795 |
| Average total loans | $220,507,000 | 2,120 |