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 | 5.2268% | 2,664 |
| Cost of funding earning assets | 1.1161% | 3,861 |
| Net interest margin | 4.1108% | 1,089 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 3.1526% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7928% | 2,862 |
| Return on assets (ROA) | 0.7928% | 2,859 |
| Pretax return on assets | 0.9432% | 2,868 |
| Return on Equity (ROE) | 8.8300% | 2,644 |
| Retained earnings to average equity (ytd only) | 5.8945% | 2,306 |
| Net charge-offs to loans | 0.1048% | 805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 18.8158% | 1,450 |
| Efficiency ratio | 76.9726% | 1,168 |
| Assets per employee ($millions) | 5.7678% | 3,120 |
| Cash dividends to net income (ytd only)* | 33.2779% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 1,317 |
| Loan loss allowance to noncurrent loans | 549.8630% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,922 |
| Noncurrent loans to loans | 0.2534% | 2,594 |
| Net loans and leases to total assets | 45.6100% | 3,779 |
| Net loans and leases to deposits | 50.5067% | 3,854 |
| Net loans and leases to core deposits | 57.8287% | 3,766 |
| Total domestic deposits to total assets | 90.3000% | 721 |
| Equity capital to assets | 9.0235% | 2,917 |
| Core capital (leverage) ratio | 12.5450% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7642% | 787 |
| Memoranda: | ||
| Average total assets | $303,237,500 | 2,465 |
| Average earning assets | $265,935,000 | 2,544 |
| Average equity | $27,212,000 | 2,576 |
| Average total loans | $145,054,000 | 2,813 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 2,793 |
| Cost of funding earning assets | 1.0093% | 4,027 |
| Net interest margin | 4.1637% | 973 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 3.2372% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8426% | 2,568 |
| Return on assets (ROA) | 0.8440% | 2,576 |
| Pretax return on assets | 1.0166% | 2,489 |
| Return on Equity (ROE) | 9.4300% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.7405% | 1,533 |
| Net charge-offs to loans | 0.0776% | 1,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 26.8364% | 1,613 |
| Efficiency ratio | 76.1320% | 1,351 |
| Assets per employee ($millions) | 5.4632% | 3,321 |
| Cash dividends to net income (ytd only)* | 28.5132% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,301 |
| Loan loss allowance to noncurrent loans | 371.8182% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,506 |
| Noncurrent loans to loans | 0.3766% | 2,133 |
| Net loans and leases to total assets | 48.8100% | 3,687 |
| Net loans and leases to deposits | 54.0050% | 3,799 |
| Net loans and leases to core deposits | 61.3887% | 3,702 |
| Total domestic deposits to total assets | 90.3900% | 693 |
| Equity capital to assets | 8.9213% | 2,886 |
| Core capital (leverage) ratio | 12.5333% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6688% | 804 |
| Memoranda: | ||
| Average total assets | $290,869,400 | 2,506 |
| Average earning assets | $258,590,200 | 2,554 |
| Average equity | $26,036,600 | 2,576 |
| Average total loans | $141,818,200 | 2,804 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 2,776 |
| Cost of funding earning assets | 0.9776% | 4,068 |
| Net interest margin | 4.1659% | 938 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 3.1820% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.8520% | 2,523 |
| Return on assets (ROA) | 0.8538% | 2,540 |
| Pretax return on assets | 1.0852% | 2,290 |
| Return on Equity (ROE) | 9.5300% | 2,309 |
| Retained earnings to average equity (ytd only) | 6.8344% | 1,801 |
| Net charge-offs to loans | 0.0284% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 78.4667% | 937 |
| Efficiency ratio | 74.6090% | 1,521 |
| Assets per employee ($millions) | 5.1028% | 3,571 |
| Cash dividends to net income (ytd only)* | 28.2866% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,204 |
| Loan loss allowance to noncurrent loans | 246.2341% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,026 |
| Noncurrent loans to loans | 0.5854% | 1,629 |
| Net loans and leases to total assets | 49.9500% | 3,638 |
| Net loans and leases to deposits | 56.4923% | 3,733 |
| Net loans and leases to core deposits | 64.3935% | 3,630 |
| Total domestic deposits to total assets | 88.4200% | 1,113 |
| Equity capital to assets | 9.9233% | 2,347 |
| Core capital (leverage) ratio | 12.6996% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5301% | 997 |
| Memoranda: | ||
| Average total assets | $289,833,750 | 2,502 |
| Average earning assets | $257,639,250 | 2,553 |
| Average equity | $25,966,000 | 2,573 |
| Average total loans | $140,760,250 | 2,806 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 2,793 |
| Cost of funding earning assets | 0.9411% | 4,082 |
| Net interest margin | 4.1420% | 959 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 3.0674% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9437% | 2,172 |
| Return on assets (ROA) | 0.9437% | 2,177 |
| Pretax return on assets | 1.1883% | 1,967 |
| Return on Equity (ROE) | 10.9300% | 1,908 |
| Retained earnings to average equity (ytd only) | 8.1279% | 1,337 |
| Net charge-offs to loans | 0.0289% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 839 |
| Efficiency ratio | 72.0779% | 1,851 |
| Assets per employee ($millions) | 5.5164% | 3,196 |
| Cash dividends to net income (ytd only)* | 25.6223% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 995 |
| Loan loss allowance to noncurrent loans | 238.5475% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 1,471 |
| Noncurrent loans to loans | 0.6401% | 1,447 |
| Net loans and leases to total assets | 48.0000% | 3,744 |
| Net loans and leases to deposits | 53.1285% | 3,843 |
| Net loans and leases to core deposits | 60.2036% | 3,758 |
| Total domestic deposits to total assets | 90.3400% | 616 |
| Equity capital to assets | 8.9276% | 2,790 |
| Core capital (leverage) ratio | 12.7021% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7859% | 808 |
| Memoranda: | ||
| Average total assets | $289,491,333 | 2,504 |
| Average earning assets | $255,432,333 | 2,563 |
| Average equity | $25,000,333 | 2,589 |
| Average total loans | $138,541,000 | 2,820 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 2,686 |
| Cost of funding earning assets | 0.8738% | 4,117 |
| Net interest margin | 4.1777% | 884 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.0040% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9326% | 2,139 |
| Return on assets (ROA) | 0.9326% | 2,156 |
| Pretax return on assets | 1.1678% | 1,971 |
| Return on Equity (ROE) | 10.9800% | 1,860 |
| Retained earnings to average equity (ytd only) | 8.1471% | 1,516 |
| Net charge-offs to loans | 0.0957% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 25.7273% | 1,231 |
| Efficiency ratio | 72.0079% | 1,941 |
| Assets per employee ($millions) | 5.1460% | 3,557 |
| Cash dividends to net income (ytd only)* | 25.8112% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 967 |
| Loan loss allowance to noncurrent loans | 394.4238% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,352 |
| Noncurrent loans to loans | 0.3912% | 1,951 |
| Net loans and leases to total assets | 47.8400% | 3,714 |
| Net loans and leases to deposits | 52.7862% | 3,823 |
| Net loans and leases to core deposits | 58.7546% | 3,813 |
| Total domestic deposits to total assets | 90.6200% | 618 |
| Equity capital to assets | 8.6874% | 2,897 |
| Core capital (leverage) ratio | 12.3632% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9613% | 937 |
| Memoranda: | ||
| Average total assets | $290,811,500 | 2,507 |
| Average earning assets | $254,973,500 | 2,570 |
| Average equity | $24,696,000 | 2,616 |
| Average total loans | $137,903,000 | 2,828 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 2,895 |
| Cost of funding earning assets | 0.6000% | 4,071 |
| Net interest margin | 3.9991% | 1,210 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.0913% | 974 |
| Loan and lease loss provision to assets | 0.5900% | 138 |
| Net operating income to assets | 0.2462% | 4,105 |
| Return on assets (ROA) | 0.1604% | 4,228 |
| Pretax return on assets | 0.1746% | 4,215 |
| Return on Equity (ROE) | 1.9800% | 4,152 |
| Retained earnings to average equity (ytd only) | -0.9393% | 4,177 |
| Net charge-offs to loans | 1.2289% | 78 |
| Credit loss provision to net charge-offs | 103.5503% | 1,805 |
| Earnings coverage of net charge-offs (x) | 1.5047% | 2,757 |
| Efficiency ratio | 78.2594% | 1,046 |
| Assets per employee ($millions) | 5.5295% | 3,223 |
| Cash dividends to net income (ytd only)* | 147.3684% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 920 |
| Loan loss allowance to noncurrent loans | 5,824.3243% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,400 |
| Noncurrent loans to loans | 0.0268% | 3,552 |
| Net loans and leases to total assets | 45.5900% | 3,832 |
| Net loans and leases to deposits | 50.0861% | 3,946 |
| Net loans and leases to core deposits | 54.9350% | 3,943 |
| Total domestic deposits to total assets | 91.0300% | 496 |
| Equity capital to assets | 8.3069% | 3,190 |
| Core capital (leverage) ratio | 12.1329% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6090% | 974 |
| Memoranda: | ||
| Average total assets | $296,123,600 | 2,440 |
| Average earning assets | $259,010,800 | 2,527 |
| Average equity | $23,953,400 | 2,577 |
| Average total loans | $137,519,600 | 2,792 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 2,637 |
| Cost of funding earning assets | 0.4915% | 4,152 |
| Net interest margin | 4.1272% | 1,020 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 3.0388% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8768% | 2,771 |
| Return on assets (ROA) | 0.8735% | 2,766 |
| Pretax return on assets | 1.0765% | 2,636 |
| Return on Equity (ROE) | 10.8700% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.9243% | 1,998 |
| Net charge-offs to loans | 0.0117% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 199.5833% | 601 |
| Efficiency ratio | 73.7678% | 1,378 |
| Assets per employee ($millions) | 5.3529% | 3,298 |
| Cash dividends to net income (ytd only)* | 27.1178% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,178 |
| Loan loss allowance to noncurrent loans | 631.2121% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,546 |
| Noncurrent loans to loans | 0.2338% | 2,414 |
| Net loans and leases to total assets | 48.1100% | 3,734 |
| Net loans and leases to deposits | 54.0332% | 3,785 |
| Net loans and leases to core deposits | 59.4102% | 3,723 |
| Total domestic deposits to total assets | 89.0400% | 1,231 |
| Equity capital to assets | 7.6112% | 3,286 |
| Core capital (leverage) ratio | 12.7471% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4423% | 892 |
| Memoranda: | ||
| Average total assets | $295,506,000 | 2,446 |
| Average earning assets | $259,347,750 | 2,528 |
| Average equity | $23,740,750 | 2,583 |
| Average total loans | $137,325,250 | 2,803 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 2,579 |
| Cost of funding earning assets | 0.3562% | 4,234 |
| Net interest margin | 4.1715% | 970 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.9155% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0209% | 2,354 |
| Return on assets (ROA) | 1.0159% | 2,366 |
| Pretax return on assets | 1.2404% | 2,252 |
| Return on Equity (ROE) | 12.4300% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.5557% | 1,521 |
| Net charge-offs to loans | 0.0353% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 77.2917% | 1,070 |
| Efficiency ratio | 70.0517% | 1,760 |
| Assets per employee ($millions) | 5.4288% | 3,208 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,260 |
| Loan loss allowance to noncurrent loans | 2,436.4706% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 2,974 |
| Noncurrent loans to loans | 0.0605% | 3,265 |
| Net loans and leases to total assets | 48.1000% | 3,679 |
| Net loans and leases to deposits | 54.5457% | 3,716 |
| Net loans and leases to core deposits | 58.1172% | 3,710 |
| Total domestic deposits to total assets | 88.1900% | 1,537 |
| Equity capital to assets | 8.5234% | 2,845 |
| Core capital (leverage) ratio | 12.7432% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7097% | 855 |
| Memoranda: | ||
| Average total assets | $297,655,000 | 2,449 |
| Average earning assets | $262,206,000 | 2,518 |
| Average equity | $24,320,667 | 2,550 |
| Average total loans | $136,048,000 | 2,812 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 2,370 |
| Cost of funding earning assets | 0.2964% | 4,207 |
| Net interest margin | 4.1816% | 979 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.8392% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1011% | 2,221 |
| Return on assets (ROA) | 1.1011% | 2,189 |
| Pretax return on assets | 1.3284% | 2,092 |
| Return on Equity (ROE) | 13.7600% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.8675% | 1,496 |
| Net charge-offs to loans | 0.0568% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 52.8947% | 1,088 |
| Efficiency ratio | 68.1256% | 1,954 |
| Assets per employee ($millions) | 5.5042% | 3,219 |
| Cash dividends to net income (ytd only)* | 21.0084% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,135 |
| Loan loss allowance to noncurrent loans | 578.2730% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,298 |
| Noncurrent loans to loans | 0.2672% | 2,190 |
| Net loans and leases to total assets | 45.3400% | 3,805 |
| Net loans and leases to deposits | 50.0365% | 3,889 |
| Net loans and leases to core deposits | 52.3942% | 3,895 |
| Total domestic deposits to total assets | 90.6100% | 940 |
| Equity capital to assets | 8.7714% | 2,682 |
| Core capital (leverage) ratio | 12.1220% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9225% | 858 |
| Memoranda: | ||
| Average total assets | $302,620,000 | 2,456 |
| Average earning assets | $265,834,000 | 2,531 |
| Average equity | $24,219,000 | 2,586 |
| Average total loans | $133,835,500 | 2,864 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 2,202 |
| Cost of funding earning assets | 0.2806% | 3,039 |
| Net interest margin | 3.5461% | 1,794 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.6753% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8021% | 3,315 |
| Return on assets (ROA) | 0.8029% | 3,242 |
| Pretax return on assets | 1.0216% | 3,013 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.9539% | 2,264 |
| Net charge-offs to loans | 0.0209% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 909 |
| Efficiency ratio | 72.3852% | 1,398 |
| Assets per employee ($millions) | 5.8059% | 2,944 |
| Cash dividends to net income (ytd only)* | 27.8773% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,029 |
| Loan loss allowance to noncurrent loans | 1,976.4151% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 2,938 |
| Noncurrent loans to loans | 0.0795% | 3,191 |
| Net loans and leases to total assets | 41.8600% | 3,992 |
| Net loans and leases to deposits | 45.4358% | 4,071 |
| Net loans and leases to core deposits | 47.3942% | 4,077 |
| Total domestic deposits to total assets | 92.1300% | 606 |
| Equity capital to assets | 7.2882% | 3,497 |
| Core capital (leverage) ratio | 11.5813% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1461% | 959 |
| Memoranda: | ||
| Average total assets | $312,750,600 | 2,389 |
| Average earning assets | $279,432,000 | 2,446 |
| Average equity | $26,043,000 | 2,527 |
| Average total loans | $134,022,000 | 2,788 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 2,009 |
| Cost of funding earning assets | 0.2839% | 2,347 |
| Net interest margin | 3.4276% | 1,874 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.6354% | 1,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7651% | 3,370 |
| Return on assets (ROA) | 0.7661% | 3,317 |
| Pretax return on assets | 0.9589% | 3,143 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 6.3135% | 2,629 |
| Net charge-offs to loans | 0.0199% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 112.2500% | 881 |
| Efficiency ratio | 73.3468% | 1,345 |
| Assets per employee ($millions) | 5.7983% | 2,929 |
| Cash dividends to net income (ytd only)* | 29.2316% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,113 |
| Loan loss allowance to noncurrent loans | 973.6111% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,651 |
| Noncurrent loans to loans | 0.1617% | 2,794 |
| Net loans and leases to total assets | 43.5900% | 3,904 |
| Net loans and leases to deposits | 47.1729% | 3,983 |
| Net loans and leases to core deposits | 49.3183% | 3,980 |
| Total domestic deposits to total assets | 92.4100% | 743 |
| Equity capital to assets | 6.9354% | 3,550 |
| Core capital (leverage) ratio | 11.2501% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4237% | 932 |
| Memoranda: | ||
| Average total assets | $312,558,250 | 2,406 |
| Average earning assets | $280,344,250 | 2,458 |
| Average equity | $26,841,250 | 2,524 |
| Average total loans | $134,193,000 | 2,788 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 2,011 |
| Cost of funding earning assets | 0.2817% | 1,880 |
| Net interest margin | 3.2615% | 2,028 |
| Noninterest income to average assets | 0.5306% | 2,040 |
| Noninterest expense to average assets | 2.5405% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7403% | 3,176 |
| Return on assets (ROA) | 0.7418% | 3,126 |
| Pretax return on assets | 0.9278% | 2,972 |
| Return on Equity (ROE) | 8.1407% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.7117% | 2,430 |
| Net charge-offs to loans | 0.0253% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 86.1176% | 893 |
| Efficiency ratio | 73.2895% | 1,588 |
| Assets per employee ($millions) | 6.1993% | 2,565 |
| Cash dividends to net income (ytd only)* | 29.8380% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 1,230 |
| Loan loss allowance to noncurrent loans | 14,040.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 2,944 |
| Noncurrent loans to loans | 0.0112% | 3,899 |
| Net loans and leases to total assets | 42.7199% | 3,917 |
| Net loans and leases to deposits | 46.6240% | 3,999 |
| Net loans and leases to core deposits | 49.6990% | 3,951 |
| Total domestic deposits to total assets | 91.6264% | 992 |
| Equity capital to assets | 7.7464% | 3,307 |
| Core capital (leverage) ratio | 10.9612% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3738% | 939 |
| Memoranda: | ||
| Average total assets | $316,240,000 | 2,400 |
| Average earning assets | $284,655,667 | 2,463 |
| Average equity | $28,818,000 | 2,478 |
| Average total loans | $134,408,667 | 2,802 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3011% | 2,386 |
| Cost of funding earning assets | 0.2751% | 1,880 |
| Net interest margin | 3.0260% | 2,419 |
| Noninterest income to average assets | 0.5774% | 1,793 |
| Noninterest expense to average assets | 2.5024% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6417% | 3,257 |
| Return on assets (ROA) | 0.6438% | 3,233 |
| Pretax return on assets | 0.8053% | 3,098 |
| Return on Equity (ROE) | 6.5852% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.3432% | 2,825 |
| Net charge-offs to loans | 0.0149% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 128.2000% | 590 |
| Efficiency ratio | 75.7105% | 1,563 |
| Assets per employee ($millions) | 6.3169% | 2,538 |
| Cash dividends to net income (ytd only)* | 34.0467% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,319 |
| Loan loss allowance to noncurrent loans | 72.4846% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 477 |
| Noncurrent loans to loans | 2.1827% | 311 |
| Net loans and leases to total assets | 41.7152% | 3,897 |
| Net loans and leases to deposits | 46.1485% | 3,967 |
| Net loans and leases to core deposits | 49.1726% | 3,916 |
| Total domestic deposits to total assets | 90.3934% | 1,336 |
| Equity capital to assets | 9.0307% | 2,683 |
| Core capital (leverage) ratio | 10.7030% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5936% | 953 |
| Memoranda: | ||
| Average total assets | $319,378,500 | 2,397 |
| Average earning assets | $287,904,000 | 2,455 |
| Average equity | $31,221,500 | 2,422 |
| Average total loans | $134,352,000 | 2,801 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,781 |
| Cost of funding earning assets | 0.3085% | 2,314 |
| Net interest margin | 3.1492% | 2,741 |
| Noninterest income to average assets | 0.5061% | 2,534 |
| Noninterest expense to average assets | 2.5982% | 1,876 |
| Loan and lease loss provision to assets | 0.0849% | 1,449 |
| Net operating income to assets | 0.5359% | 4,005 |
| Return on assets (ROA) | 0.5635% | 3,999 |
| Pretax return on assets | 0.6847% | 3,961 |
| Return on Equity (ROE) | 4.8520% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.8060% | 3,725 |
| Net charge-offs to loans | 0.0595% | 1,191 |
| Credit loss provision to net charge-offs | 320.5128% | 1,028 |
| Earnings coverage of net charge-offs (x) | 27.7949% | 1,667 |
| Efficiency ratio | 77.9271% | 953 |
| Assets per employee ($millions) | 6.5901% | 2,249 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,321 |
| Loan loss allowance to noncurrent loans | 72.9804% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 460 |
| Noncurrent loans to loans | 2.1575% | 342 |
| Net loans and leases to total assets | 41.0971% | 4,025 |
| Net loans and leases to deposits | 46.2183% | 4,083 |
| Net loans and leases to core deposits | 49.0973% | 4,049 |
| Total domestic deposits to total assets | 88.9196% | 1,557 |
| Equity capital to assets | 10.5044% | 2,176 |
| Core capital (leverage) ratio | 10.8286% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4031% | 980 |
| Memoranda: | ||
| Average total assets | $294,584,000 | 2,455 |
| Average earning assets | $264,543,400 | 2,526 |
| Average equity | $34,212,800 | 2,326 |
| Average total loans | $131,077,400 | 2,843 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 2,738 |
| Cost of funding earning assets | 0.3186% | 2,414 |
| Net interest margin | 3.2139% | 2,688 |
| Noninterest income to average assets | 0.5129% | 2,566 |
| Noninterest expense to average assets | 2.6471% | 1,713 |
| Loan and lease loss provision to assets | 0.0696% | 1,619 |
| Net operating income to assets | 0.5341% | 4,133 |
| Return on assets (ROA) | 0.5704% | 4,107 |
| Pretax return on assets | 0.7235% | 4,027 |
| Return on Equity (ROE) | 4.7832% | 4,166 |
| Retained earnings to average equity (ytd only) | 2.7416% | 3,987 |
| Net charge-offs to loans | 0.0031% | 2,237 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 537.0000% | 278 |
| Efficiency ratio | 77.9888% | 875 |
| Assets per employee ($millions) | 5.7245% | 2,965 |
| Cash dividends to net income (ytd only)* | 42.6829% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 1,245 |
| Loan loss allowance to noncurrent loans | 60.6183% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2806% | 447 |
| Noncurrent loans to loans | 2.7052% | 263 |
| Net loans and leases to total assets | 42.2748% | 4,073 |
| Net loans and leases to deposits | 48.1747% | 4,108 |
| Net loans and leases to core deposits | 51.4470% | 4,064 |
| Total domestic deposits to total assets | 87.7530% | 1,972 |
| Equity capital to assets | 11.5626% | 1,629 |
| Core capital (leverage) ratio | 11.3373% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3807% | 899 |
| Memoranda: | ||
| Average total assets | $287,501,750 | 2,516 |
| Average earning assets | $257,750,250 | 2,584 |
| Average equity | $34,286,000 | 2,350 |
| Average total loans | $130,139,000 | 2,887 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 2,681 |
| Cost of funding earning assets | 0.3209% | 2,579 |
| Net interest margin | 3.2606% | 2,581 |
| Noninterest income to average assets | 0.5132% | 2,572 |
| Noninterest expense to average assets | 2.6490% | 1,729 |
| Loan and lease loss provision to assets | 0.1056% | 1,187 |
| Net operating income to assets | 0.5292% | 4,162 |
| Return on assets (ROA) | 0.5843% | 4,069 |
| Pretax return on assets | 0.7399% | 3,989 |
| Return on Equity (ROE) | 4.8479% | 4,154 |
| Retained earnings to average equity (ytd only) | 2.8036% | 3,906 |
| Net charge-offs to loans | 0.0015% | 2,165 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,102.0000% | 115 |
| Efficiency ratio | 77.3484% | 961 |
| Assets per employee ($millions) | 5.6048% | 3,013 |
| Cash dividends to net income (ytd only)* | 42.1687% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 1,111 |
| Loan loss allowance to noncurrent loans | 51.1821% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 383 |
| Noncurrent loans to loans | 3.2771% | 204 |
| Net loans and leases to total assets | 42.2378% | 4,164 |
| Net loans and leases to deposits | 48.2335% | 4,200 |
| Net loans and leases to core deposits | 51.3126% | 4,169 |
| Total domestic deposits to total assets | 87.5694% | 2,058 |
| Equity capital to assets | 11.7495% | 1,489 |
| Core capital (leverage) ratio | 11.5515% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8828% | 827 |
| Memoranda: | ||
| Average total assets | $284,111,000 | 2,534 |
| Average earning assets | $253,694,333 | 2,599 |
| Average equity | $34,241,667 | 2,347 |
| Average total loans | $130,872,333 | 2,890 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 2,448 |
| Cost of funding earning assets | 0.3250% | 2,749 |
| Net interest margin | 3.3417% | 2,271 |
| Noninterest income to average assets | 0.5263% | 2,495 |
| Noninterest expense to average assets | 2.6858% | 1,651 |
| Loan and lease loss provision to assets | 0.1284% | 1,071 |
| Net operating income to assets | 0.5560% | 4,056 |
| Return on assets (ROA) | 0.6704% | 3,851 |
| Pretax return on assets | 0.8301% | 3,758 |
| Return on Equity (ROE) | 5.4906% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.4462% | 3,649 |
| Net charge-offs to loans | 0.0120% | 1,511 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 143.2500% | 501 |
| Efficiency ratio | 76.6694% | 1,070 |
| Assets per employee ($millions) | 5.4096% | 3,211 |
| Cash dividends to net income (ytd only)* | 37.2340% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,234 |
| Loan loss allowance to noncurrent loans | 49.7072% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 395 |
| Noncurrent loans to loans | 3.2620% | 227 |
| Net loans and leases to total assets | 43.9367% | 4,117 |
| Net loans and leases to deposits | 50.3087% | 4,142 |
| Net loans and leases to core deposits | 53.5851% | 4,113 |
| Total domestic deposits to total assets | 87.3341% | 2,166 |
| Equity capital to assets | 11.9944% | 1,287 |
| Core capital (leverage) ratio | 11.8091% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0711% | 919 |
| Memoranda: | ||
| Average total assets | $280,441,500 | 2,540 |
| Average earning assets | $249,815,500 | 2,614 |
| Average equity | $34,240,500 | 2,340 |
| Average total loans | $133,707,500 | 2,851 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,148 |
| Cost of funding earning assets | 0.3575% | 3,831 |
| Net interest margin | 3.8398% | 1,394 |
| Noninterest income to average assets | 0.5591% | 2,377 |
| Noninterest expense to average assets | 2.9237% | 1,623 |
| Loan and lease loss provision to assets | 0.2726% | 1,412 |
| Net operating income to assets | 0.6811% | 3,490 |
| Return on assets (ROA) | 0.7035% | 3,554 |
| Pretax return on assets | 0.8414% | 3,525 |
| Return on Equity (ROE) | 5.4593% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,005 |
| Net charge-offs to loans | 0.1291% | 1,220 |
| Credit loss provision to net charge-offs | 395.5056% | 1,443 |
| Earnings coverage of net charge-offs (x) | 15.7753% | 2,157 |
| Efficiency ratio | 72.8931% | 1,585 |
| Assets per employee ($millions) | 5.4821% | 2,860 |
| Cash dividends to net income (ytd only)* | 33.0215% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,075 |
| Loan loss allowance to noncurrent loans | 465.6325% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 2,831 |
| Noncurrent loans to loans | 0.2955% | 3,139 |
| Net loans and leases to total assets | 50.0148% | 3,823 |
| Net loans and leases to deposits | 57.5581% | 3,912 |
| Net loans and leases to core deposits | 60.9007% | 3,894 |
| Total domestic deposits to total assets | 86.8945% | 1,988 |
| Equity capital to assets | 12.4259% | 1,356 |
| Core capital (leverage) ratio | 11.9994% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0208% | 1,053 |
| Memoranda: | ||
| Average total assets | $258,269,800 | 2,523 |
| Average earning assets | $232,176,200 | 2,586 |
| Average equity | $33,282,400 | 2,324 |
| Average total loans | $137,843,600 | 2,773 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,229 |
| Cost of funding earning assets | 0.3661% | 3,969 |
| Net interest margin | 3.8910% | 1,371 |
| Noninterest income to average assets | 0.5746% | 2,275 |
| Noninterest expense to average assets | 2.9845% | 1,475 |
| Loan and lease loss provision to assets | 0.1657% | 2,342 |
| Net operating income to assets | 0.7496% | 3,288 |
| Return on assets (ROA) | 0.7791% | 3,286 |
| Pretax return on assets | 0.9620% | 3,192 |
| Return on Equity (ROE) | 5.9865% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.1638% | 2,959 |
| Net charge-offs to loans | 0.1539% | 953 |
| Credit loss provision to net charge-offs | 198.7342% | 2,120 |
| Earnings coverage of net charge-offs (x) | 13.1013% | 2,212 |
| Efficiency ratio | 73.2281% | 1,489 |
| Assets per employee ($millions) | 5.2303% | 2,981 |
| Cash dividends to net income (ytd only)* | 30.4465% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,261 |
| Loan loss allowance to noncurrent loans | 320.6897% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 2,817 |
| Noncurrent loans to loans | 0.3399% | 3,063 |
| Net loans and leases to total assets | 54.8621% | 3,726 |
| Net loans and leases to deposits | 63.7829% | 3,805 |
| Net loans and leases to core deposits | 67.7346% | 3,768 |
| Total domestic deposits to total assets | 86.0138% | 2,061 |
| Equity capital to assets | 13.1764% | 1,112 |
| Core capital (leverage) ratio | 12.5532% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0507% | 907 |
| Memoranda: | ||
| Average total assets | $252,941,000 | 2,545 |
| Average earning assets | $227,597,500 | 2,595 |
| Average equity | $32,917,750 | 2,328 |
| Average total loans | $136,858,250 | 2,784 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,444 |
| Cost of funding earning assets | 0.3700% | 4,174 |
| Net interest margin | 3.9425% | 1,459 |
| Noninterest income to average assets | 0.5654% | 2,280 |
| Noninterest expense to average assets | 3.0174% | 1,530 |
| Loan and lease loss provision to assets | 0.1408% | 2,602 |
| Net operating income to assets | 0.8021% | 3,038 |
| Return on assets (ROA) | 0.8021% | 3,155 |
| Pretax return on assets | 0.9605% | 3,149 |
| Return on Equity (ROE) | 6.1905% | 3,442 |
| Retained earnings to average equity (ytd only) | 4.3389% | 2,761 |
| Net charge-offs to loans | 0.0432% | 1,882 |
| Credit loss provision to net charge-offs | 606.8966% | 1,099 |
| Earnings coverage of net charge-offs (x) | 47.4828% | 1,143 |
| Efficiency ratio | 73.2621% | 1,538 |
| Assets per employee ($millions) | 5.0828% | 3,081 |
| Cash dividends to net income (ytd only)* | 29.9103% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,076 |
| Loan loss allowance to noncurrent loans | 660.5042% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 3,375 |
| Noncurrent loans to loans | 0.1663% | 3,790 |
| Net loans and leases to total assets | 54.6082% | 3,826 |
| Net loans and leases to deposits | 63.4175% | 3,927 |
| Net loans and leases to core deposits | 67.3019% | 3,904 |
| Total domestic deposits to total assets | 86.1092% | 1,960 |
| Equity capital to assets | 13.0996% | 1,124 |
| Core capital (leverage) ratio | 12.8457% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9253% | 916 |
| Memoranda: | ||
| Average total assets | $250,083,333 | 2,539 |
| Average earning assets | $225,388,000 | 2,589 |
| Average equity | $32,404,333 | 2,341 |
| Average total loans | $134,126,667 | 2,816 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,494 |
| Cost of funding earning assets | 0.3793% | 4,426 |
| Net interest margin | 4.0549% | 1,237 |
| Noninterest income to average assets | 0.6061% | 2,019 |
| Noninterest expense to average assets | 2.9945% | 1,898 |
| Loan and lease loss provision to assets | 0.1222% | 2,171 |
| Net operating income to assets | 0.9743% | 2,265 |
| Return on assets (ROA) | 0.9743% | 2,371 |
| Pretax return on assets | 1.1470% | 2,372 |
| Return on Equity (ROE) | 7.5629% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.6659% | 2,005 |
| Net charge-offs to loans | 0.0679% | 1,348 |
| Credit loss provision to net charge-offs | 340.9091% | 1,090 |
| Earnings coverage of net charge-offs (x) | 35.4091% | 1,086 |
| Efficiency ratio | 70.2331% | 2,316 |
| Assets per employee ($millions) | 4.6896% | 3,003 |
| Cash dividends to net income (ytd only)* | 25.0836% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,023 |
| Loan loss allowance to noncurrent loans | 794.6237% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,503 |
| Noncurrent loans to loans | 0.1427% | 3,952 |
| Net loans and leases to total assets | 54.9653% | 3,914 |
| Net loans and leases to deposits | 64.1411% | 3,977 |
| Net loans and leases to core deposits | 68.6507% | 3,954 |
| Total domestic deposits to total assets | 85.6942% | 2,132 |
| Equity capital to assets | 13.4507% | 1,242 |
| Core capital (leverage) ratio | 13.0786% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5032% | 802 |
| Memoranda: | ||
| Average total assets | $245,514,500 | 2,519 |
| Average earning assets | $221,463,000 | 2,562 |
| Average equity | $31,628,000 | 2,368 |
| Average total loans | $129,626,000 | 2,837 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,870 |
| Cost of funding earning assets | 0.3721% | 4,535 |
| Net interest margin | 4.1505% | 1,423 |
| Noninterest income to average assets | 0.6993% | 1,825 |
| Noninterest expense to average assets | 3.1140% | 1,725 |
| Loan and lease loss provision to assets | 0.1226% | 1,727 |
| Net operating income to assets | 0.9853% | 2,895 |
| Return on assets (ROA) | 0.9913% | 2,958 |
| Pretax return on assets | 1.2058% | 2,826 |
| Return on Equity (ROE) | 7.5248% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.5515% | 2,132 |
| Net charge-offs to loans | 0.1793% | 1,124 |
| Credit loss provision to net charge-offs | 128.0543% | 1,991 |
| Earnings coverage of net charge-offs (x) | 13.7964% | 2,326 |
| Efficiency ratio | 70.2130% | 2,135 |
| Assets per employee ($millions) | 5.1310% | 2,416 |
| Cash dividends to net income (ytd only)* | 26.2238% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,919 |
| Loan loss allowance to noncurrent loans | 180.3797% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 2,768 |
| Noncurrent loans to loans | 0.6129% | 2,354 |
| Net loans and leases to total assets | 49.6851% | 4,339 |
| Net loans and leases to deposits | 57.1888% | 4,411 |
| Net loans and leases to core deposits | 60.7874% | 4,407 |
| Total domestic deposits to total assets | 86.8790% | 1,673 |
| Equity capital to assets | 12.3629% | 1,909 |
| Core capital (leverage) ratio | 13.1093% | 1,194 |
| Tier 1 risk-based capital ratio | 19.1227% | 1,486 |
| Total risk-based capital ratio | 19.9917% | 1,542 |
| Memoranda: | ||
| Average total assets | $230,797,600 | 2,571 |
| Average earning assets | $207,733,200 | 2,629 |
| Average equity | $30,406,200 | 2,369 |
| Average total loans | $123,251,800 | 2,908 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 2,680 |
| Cost of funding earning assets | 0.3728% | 4,588 |
| Net interest margin | 4.2404% | 1,281 |
| Noninterest income to average assets | 0.7131% | 1,730 |
| Noninterest expense to average assets | 3.1740% | 1,518 |
| Loan and lease loss provision to assets | 0.1028% | 1,866 |
| Net operating income to assets | 1.0100% | 2,947 |
| Return on assets (ROA) | 1.0138% | 3,012 |
| Pretax return on assets | 1.2533% | 2,809 |
| Return on Equity (ROE) | 7.5622% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.5675% | 2,589 |
| Net charge-offs to loans | 0.1258% | 1,253 |
| Credit loss provision to net charge-offs | 150.4348% | 1,628 |
| Earnings coverage of net charge-offs (x) | 19.7738% | 1,988 |
| Efficiency ratio | 70.1379% | 2,094 |
| Assets per employee ($millions) | 4.6506% | 2,969 |
| Cash dividends to net income (ytd only)* | 26.3777% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,724 |
| Loan loss allowance to noncurrent loans | 190.9946% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,240 |
| Noncurrent loans to loans | 0.6069% | 2,466 |
| Net loans and leases to total assets | 53.1712% | 4,240 |
| Net loans and leases to deposits | 62.3827% | 4,267 |
| Net loans and leases to core deposits | 66.4375% | 4,248 |
| Total domestic deposits to total assets | 85.2338% | 2,327 |
| Equity capital to assets | 13.8222% | 1,221 |
| Core capital (leverage) ratio | 13.7407% | 1,064 |
| Tier 1 risk-based capital ratio | 20.7094% | 1,230 |
| Total risk-based capital ratio | 21.6610% | 1,269 |
| Memoranda: | ||
| Average total assets | $224,359,500 | 2,646 |
| Average earning assets | $201,706,750 | 2,713 |
| Average equity | $30,078,500 | 2,406 |
| Average total loans | $121,841,750 | 2,955 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 2,758 |
| Cost of funding earning assets | 0.3689% | 4,622 |
| Net interest margin | 4.2044% | 1,354 |
| Noninterest income to average assets | 0.7196% | 1,634 |
| Noninterest expense to average assets | 3.1695% | 1,571 |
| Loan and lease loss provision to assets | 0.1138% | 1,651 |
| Net operating income to assets | 0.9854% | 2,975 |
| Return on assets (ROA) | 0.9920% | 3,022 |
| Pretax return on assets | 1.2133% | 2,862 |
| Return on Equity (ROE) | 7.4784% | 3,509 |
| Retained earnings to average equity (ytd only) | 5.4517% | 2,541 |
| Net charge-offs to loans | 0.1299% | 1,160 |
| Credit loss provision to net charge-offs | 160.7595% | 1,419 |
| Earnings coverage of net charge-offs (x) | 18.6329% | 1,852 |
| Efficiency ratio | 70.6129% | 2,135 |
| Assets per employee ($millions) | 4.5712% | 3,036 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,691 |
| Loan loss allowance to noncurrent loans | 83.6396% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 1,850 |
| Noncurrent loans to loans | 1.3939% | 1,112 |
| Net loans and leases to total assets | 53.4021% | 4,253 |
| Net loans and leases to deposits | 62.5731% | 4,302 |
| Net loans and leases to core deposits | 66.5321% | 4,288 |
| Total domestic deposits to total assets | 85.3436% | 2,326 |
| Equity capital to assets | 13.7389% | 1,227 |
| Core capital (leverage) ratio | 13.8101% | 1,021 |
| Tier 1 risk-based capital ratio | 20.6255% | 1,228 |
| Total risk-based capital ratio | 21.5804% | 1,252 |
| Memoranda: | ||
| Average total assets | $223,186,330 | 2,663 |
| Average earning assets | $200,075,330 | 2,736 |
| Average equity | $29,605,330 | 2,424 |
| Average total loans | $121,593,330 | 2,969 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 2,680 |
| Cost of funding earning assets | 0.3517% | 4,674 |
| Net interest margin | 4.2025% | 1,299 |
| Noninterest income to average assets | 0.6805% | 1,684 |
| Noninterest expense to average assets | 3.1726% | 1,568 |
| Loan and lease loss provision to assets | 0.0808% | 2,085 |
| Net operating income to assets | 1.0030% | 2,826 |
| Return on assets (ROA) | 1.0198% | 2,817 |
| Pretax return on assets | 1.2012% | 2,796 |
| Return on Equity (ROE) | 7.8288% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.7613% | 2,564 |
| Net charge-offs to loans | 0.1871% | 745 |
| Credit loss provision to net charge-offs | 78.9474% | 1,790 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,873 |
| Efficiency ratio | 71.5385% | 2,109 |
| Assets per employee ($millions) | 4.4348% | 3,282 |
| Cash dividends to net income (ytd only)* | 26.4085% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,154 |
| Loan loss allowance to noncurrent loans | 88.5902% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 1,782 |
| Noncurrent loans to loans | 1.2368% | 1,330 |
| Net loans and leases to total assets | 54.9996% | 4,136 |
| Net loans and leases to deposits | 64.1774% | 4,171 |
| Net loans and leases to core deposits | 68.5664% | 4,149 |
| Total domestic deposits to total assets | 85.6993% | 2,406 |
| Equity capital to assets | 13.3973% | 1,247 |
| Core capital (leverage) ratio | 13.7854% | 1,004 |
| Tier 1 risk-based capital ratio | 20.3288% | 1,278 |
| Total risk-based capital ratio | 21.2416% | 1,317 |
| Memoranda: | ||
| Average total assets | $222,784,000 | 2,704 |
| Average earning assets | $199,026,000 | 2,777 |
| Average equity | $29,021,000 | 2,463 |
| Average total loans | $121,876,500 | 2,996 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 2,140 |
| Cost of funding earning assets | 0.2827% | 4,649 |
| Net interest margin | 4.3133% | 1,117 |
| Noninterest income to average assets | 0.6414% | 2,089 |
| Noninterest expense to average assets | 3.2981% | 1,328 |
| Loan and lease loss provision to assets | 0.0834% | 2,466 |
| Net operating income to assets | 0.8575% | 3,585 |
| Return on assets (ROA) | 0.8579% | 3,583 |
| Pretax return on assets | 1.0220% | 3,536 |
| Return on Equity (ROE) | 6.6830% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.8778% | 2,840 |
| Net charge-offs to loans | 0.0291% | 2,817 |
| Credit loss provision to net charge-offs | 545.4545% | 638 |
| Earnings coverage of net charge-offs (x) | 72.2424% | 913 |
| Efficiency ratio | 74.9053% | 1,508 |
| Assets per employee ($millions) | 4.5680% | 3,062 |
| Cash dividends to net income (ytd only)* | 27.0124% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,918 |
| Loan loss allowance to noncurrent loans | 117.5000% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 2,368 |
| Noncurrent loans to loans | 0.9631% | 1,680 |
| Net loans and leases to total assets | 53.2029% | 4,339 |
| Net loans and leases to deposits | 61.6399% | 4,397 |
| Net loans and leases to core deposits | 65.5648% | 4,381 |
| Total domestic deposits to total assets | 86.3124% | 2,080 |
| Equity capital to assets | 12.6592% | 1,508 |
| Core capital (leverage) ratio | 13.5661% | 1,054 |
| Tier 1 risk-based capital ratio | 20.1345% | 1,279 |
| Total risk-based capital ratio | 21.0595% | 1,309 |
| Memoranda: | ||
| Average total assets | $215,762,600 | 2,727 |
| Average earning assets | $188,163,200 | 2,846 |
| Average equity | $27,697,000 | 2,470 |
| Average total loans | $113,400,600 | 3,091 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,137 |
| Cost of funding earning assets | 0.2746% | 4,658 |
| Net interest margin | 4.2719% | 1,178 |
| Noninterest income to average assets | 0.6812% | 1,930 |
| Noninterest expense to average assets | 3.3116% | 1,276 |
| Loan and lease loss provision to assets | 0.0374% | 3,255 |
| Net operating income to assets | 0.8447% | 3,758 |
| Return on assets (ROA) | 0.8452% | 3,761 |
| Pretax return on assets | 1.0392% | 3,613 |
| Return on Equity (ROE) | 6.5606% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.7449% | 3,374 |
| Net charge-offs to loans | 0.0227% | 2,687 |
| Credit loss provision to net charge-offs | 315.7895% | 978 |
| Earnings coverage of net charge-offs (x) | 90.7991% | 812 |
| Efficiency ratio | 75.4763% | 1,412 |
| Assets per employee ($millions) | 4.4457% | 3,206 |
| Cash dividends to net income (ytd only)* | 27.6754% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,306 |
| Loan loss allowance to noncurrent loans | 268.5897% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,504 |
| Noncurrent loans to loans | 0.4018% | 3,209 |
| Net loans and leases to total assets | 52.8895% | 4,434 |
| Net loans and leases to deposits | 61.3182% | 4,478 |
| Net loans and leases to core deposits | 65.1890% | 4,449 |
| Total domestic deposits to total assets | 86.2542% | 2,079 |
| Equity capital to assets | 12.6317% | 1,503 |
| Core capital (leverage) ratio | 13.7012% | 1,035 |
| Tier 1 risk-based capital ratio | 20.6363% | 1,230 |
| Total risk-based capital ratio | 21.5217% | 1,265 |
| Memoranda: | ||
| Average total assets | $213,745,750 | 2,764 |
| Average earning assets | $185,455,500 | 2,893 |
| Average equity | $27,537,500 | 2,487 |
| Average total loans | $111,639,000 | 3,139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 2,014 |
| Cost of funding earning assets | 0.2680% | 4,647 |
| Net interest margin | 4.2557% | 1,143 |
| Noninterest income to average assets | 0.6696% | 2,007 |
| Noninterest expense to average assets | 3.2856% | 1,354 |
| Loan and lease loss provision to assets | 0.0283% | 3,348 |
| Net operating income to assets | 0.8383% | 3,725 |
| Return on assets (ROA) | 0.8391% | 3,721 |
| Pretax return on assets | 1.0208% | 3,599 |
| Return on Equity (ROE) | 6.4696% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.6543% | 3,260 |
| Net charge-offs to loans | 0.0327% | 2,197 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 61.8333% | 978 |
| Efficiency ratio | 75.8149% | 1,448 |
| Assets per employee ($millions) | 4.3881% | 3,296 |
| Cash dividends to net income (ytd only)* | 28.0584% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,306 |
| Loan loss allowance to noncurrent loans | 303.7129% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 3,655 |
| Noncurrent loans to loans | 0.3599% | 3,405 |
| Net loans and leases to total assets | 51.6334% | 4,498 |
| Net loans and leases to deposits | 59.8538% | 4,536 |
| Net loans and leases to core deposits | 63.1336% | 4,543 |
| Total domestic deposits to total assets | 86.2658% | 2,160 |
| Equity capital to assets | 12.7785% | 1,405 |
| Core capital (leverage) ratio | 13.6780% | 1,000 |
| Tier 1 risk-based capital ratio | 20.6225% | 1,226 |
| Total risk-based capital ratio | 21.4963% | 1,255 |
| Memoranda: | ||
| Average total assets | $212,380,670 | 2,789 |
| Average earning assets | $182,859,670 | 2,930 |
| Average equity | $27,544,330 | 2,495 |
| Average total loans | $110,028,000 | 3,171 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,691 |
| Cost of funding earning assets | 0.2634% | 4,628 |
| Net interest margin | 4.2949% | 954 |
| Noninterest income to average assets | 0.6728% | 1,945 |
| Noninterest expense to average assets | 3.2616% | 1,428 |
| Loan and lease loss provision to assets | 0.0190% | 3,289 |
| Net operating income to assets | 0.8826% | 3,362 |
| Return on assets (ROA) | 0.8794% | 3,389 |
| Pretax return on assets | 1.0348% | 3,413 |
| Return on Equity (ROE) | 6.7299% | 3,892 |
| Retained earnings to average equity (ytd only) | 4.9169% | 3,218 |
| Net charge-offs to loans | 0.0661% | 1,450 |
| Credit loss provision to net charge-offs | 55.5556% | 1,906 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,219 |
| Efficiency ratio | 75.5156% | 1,664 |
| Assets per employee ($millions) | 4.1883% | 3,667 |
| Cash dividends to net income (ytd only)* | 26.9397% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,327 |
| Loan loss allowance to noncurrent loans | 120,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 4,548 |
| Noncurrent loans to loans | 0.0009% | 5,032 |
| Net loans and leases to total assets | 51.4672% | 4,469 |
| Net loans and leases to deposits | 59.8118% | 4,482 |
| Net loans and leases to core deposits | 63.0198% | 4,490 |
| Total domestic deposits to total assets | 86.0486% | 2,525 |
| Equity capital to assets | 13.0479% | 1,216 |
| Core capital (leverage) ratio | 14.0154% | 872 |
| Tier 1 risk-based capital ratio | 20.5131% | 1,260 |
| Total risk-based capital ratio | 21.3778% | 1,292 |
| Memoranda: | ||
| Average total assets | $211,062,000 | 2,835 |
| Average earning assets | $179,187,500 | 3,004 |
| Average equity | $27,578,500 | 2,521 |
| Average total loans | $108,918,000 | 3,212 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,707 |
| Cost of funding earning assets | 0.2959% | 4,179 |
| Net interest margin | 4.2035% | 1,183 |
| Noninterest income to average assets | 0.6637% | 2,122 |
| Noninterest expense to average assets | 3.1464% | 1,726 |
| Loan and lease loss provision to assets | 0.0409% | 3,450 |
| Net operating income to assets | 0.6211% | 3,928 |
| Return on assets (ROA) | 0.6300% | 3,926 |
| Pretax return on assets | 1.0634% | 3,331 |
| Return on Equity (ROE) | 4.7283% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.9236% | 3,555 |
| Net charge-offs to loans | 0.0816% | 2,294 |
| Credit loss provision to net charge-offs | 97.7011% | 2,645 |
| Earnings coverage of net charge-offs (x) | 26.0575% | 1,691 |
| Efficiency ratio | 74.2650% | 1,861 |
| Assets per employee ($millions) | 4.5258% | 3,147 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,258 |
| Loan loss allowance to noncurrent loans | 1,293.6170% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,299 |
| Noncurrent loans to loans | 0.0864% | 4,617 |
| Net loans and leases to total assets | 50.6006% | 4,617 |
| Net loans and leases to deposits | 59.4674% | 4,599 |
| Net loans and leases to core deposits | 61.0763% | 4,706 |
| Total domestic deposits to total assets | 85.0896% | 2,808 |
| Equity capital to assets | 13.0849% | 1,221 |
| Core capital (leverage) ratio | 13.1204% | 1,104 |
| Tier 1 risk-based capital ratio | 19.8477% | 1,351 |
| Total risk-based capital ratio | 20.7302% | 1,389 |
| Memoranda: | ||
| Average total assets | $207,921,000 | 2,844 |
| Average earning assets | $176,734,400 | 2,994 |
| Average equity | $27,705,400 | 2,503 |
| Average total loans | $106,659,800 | 3,236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 1,684 |
| Cost of funding earning assets | 0.3004% | 4,130 |
| Net interest margin | 4.1859% | 1,184 |
| Noninterest income to average assets | 0.6508% | 2,204 |
| Noninterest expense to average assets | 3.1449% | 1,687 |
| Loan and lease loss provision to assets | 0.0226% | 3,689 |
| Net operating income to assets | 0.7662% | 3,663 |
| Return on assets (ROA) | 0.7765% | 3,666 |
| Pretax return on assets | 1.0655% | 3,437 |
| Return on Equity (ROE) | 5.8008% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.9941% | 3,550 |
| Net charge-offs to loans | 0.0553% | 2,343 |
| Credit loss provision to net charge-offs | 79.5455% | 2,590 |
| Earnings coverage of net charge-offs (x) | 37.8377% | 1,357 |
| Efficiency ratio | 74.5452% | 1,811 |
| Assets per employee ($millions) | 4.4119% | 3,291 |
| Cash dividends to net income (ytd only)* | 31.1464% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,414 |
| Loan loss allowance to noncurrent loans | 1,491.3580% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 4,419 |
| Noncurrent loans to loans | 0.0747% | 4,777 |
| Net loans and leases to total assets | 51.6934% | 4,593 |
| Net loans and leases to deposits | 61.2772% | 4,571 |
| Net loans and leases to core deposits | 63.2477% | 4,639 |
| Total domestic deposits to total assets | 84.3600% | 2,975 |
| Equity capital to assets | 13.6792% | 1,088 |
| Core capital (leverage) ratio | 13.8749% | 922 |
| Tier 1 risk-based capital ratio | 20.1780% | 1,325 |
| Total risk-based capital ratio | 21.0382% | 1,372 |
| Memoranda: | ||
| Average total assets | $206,723,500 | 2,878 |
| Average earning assets | $176,204,250 | 3,026 |
| Average equity | $27,673,500 | 2,527 |
| Average total loans | $106,112,500 | 3,270 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 1,582 |
| Cost of funding earning assets | 0.3052% | 4,031 |
| Net interest margin | 4.1720% | 1,141 |
| Noninterest income to average assets | 0.6237% | 2,355 |
| Noninterest expense to average assets | 3.1330% | 1,757 |
| Loan and lease loss provision to assets | 0.0194% | 3,587 |
| Net operating income to assets | 0.7533% | 3,626 |
| Return on assets (ROA) | 0.7612% | 3,635 |
| Pretax return on assets | 1.0295% | 3,450 |
| Return on Equity (ROE) | 5.7282% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9063% | 3,374 |
| Net charge-offs to loans | 0.0418% | 2,360 |
| Credit loss provision to net charge-offs | 90.9091% | 2,130 |
| Earnings coverage of net charge-offs (x) | 48.7273% | 1,096 |
| Efficiency ratio | 75.1103% | 1,839 |
| Assets per employee ($millions) | 4.1712% | 3,678 |
| Cash dividends to net income (ytd only)* | 31.8066% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,401 |
| Loan loss allowance to noncurrent loans | 653.7634% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 4,207 |
| Noncurrent loans to loans | 0.1735% | 4,425 |
| Net loans and leases to total assets | 51.8611% | 4,584 |
| Net loans and leases to deposits | 61.5622% | 4,526 |
| Net loans and leases to core deposits | 63.6420% | 4,628 |
| Total domestic deposits to total assets | 84.2419% | 3,110 |
| Equity capital to assets | 13.7663% | 1,057 |
| Core capital (leverage) ratio | 13.5415% | 985 |
| Tier 1 risk-based capital ratio | 20.7207% | 1,241 |
| Total risk-based capital ratio | 21.6191% | 1,271 |
| Memoranda: | ||
| Average total assets | $206,511,670 | 2,889 |
| Average earning assets | $175,597,330 | 3,040 |
| Average equity | $27,443,000 | 2,537 |
| Average total loans | $105,350,330 | 3,294 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,432 |
| Cost of funding earning assets | 0.3133% | 3,917 |
| Net interest margin | 4.1645% | 1,056 |
| Noninterest income to average assets | 0.6224% | 2,308 |
| Noninterest expense to average assets | 3.0987% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7745% | 3,339 |
| Return on assets (ROA) | 0.7805% | 3,365 |
| Pretax return on assets | 1.0155% | 3,300 |
| Return on Equity (ROE) | 5.9787% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.1335% | 3,393 |
| Net charge-offs to loans | 0.0345% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 58.1111% | 820 |
| Efficiency ratio | 75.4575% | 1,989 |
| Assets per employee ($millions) | 4.3802% | 3,370 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 3,388 |
| Loan loss allowance to noncurrent loans | 595.5665% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,843 |
| Noncurrent loans to loans | 0.1938% | 4,428 |
| Net loans and leases to total assets | 50.2868% | 4,652 |
| Net loans and leases to deposits | 59.2978% | 4,616 |
| Net loans and leases to core deposits | 61.0796% | 4,716 |
| Total domestic deposits to total assets | 84.8039% | 3,171 |
| Equity capital to assets | 13.2953% | 1,151 |
| Core capital (leverage) ratio | 13.5422% | 963 |
| Tier 1 risk-based capital ratio | 20.8156% | 1,245 |
| Total risk-based capital ratio | 21.7213% | 1,275 |
| Memoranda: | ||
| Average total assets | $207,572,500 | 2,911 |
| Average earning assets | $173,659,500 | 3,093 |
| Average equity | $27,096,000 | 2,570 |
| Average total loans | $104,418,000 | 3,334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5600% | 1,380 |
| Cost of funding earning assets | 0.3451% | 3,581 |
| Net interest margin | 4.2149% | 1,078 |
| Noninterest income to average assets | 0.7238% | 2,062 |
| Noninterest expense to average assets | 3.3901% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7284% | 3,647 |
| Return on assets (ROA) | 0.7881% | 3,464 |
| Pretax return on assets | 0.9447% | 3,670 |
| Return on Equity (ROE) | 5.7100% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.8752% | 3,166 |
| Net charge-offs to loans | 0.0568% | 2,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.2281% | 1,425 |
| Efficiency ratio | 79.5271% | 1,480 |
| Assets per employee ($millions) | 4.3599% | 3,346 |
| Cash dividends to net income (ytd only)* | 32.1337% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 3,308 |
| Loan loss allowance to noncurrent loans | 102.6116% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 2,305 |
| Noncurrent loans to loans | 1.1402% | 1,796 |
| Net loans and leases to total assets | 49.1619% | 4,824 |
| Net loans and leases to deposits | 57.6252% | 4,820 |
| Net loans and leases to core deposits | 58.9441% | 4,909 |
| Total domestic deposits to total assets | 85.3132% | 2,918 |
| Equity capital to assets | 12.8161% | 1,339 |
| Core capital (leverage) ratio | 13.5728% | 948 |
| Tier 1 risk-based capital ratio | 20.9139% | 1,228 |
| Total risk-based capital ratio | 21.8400% | 1,247 |
| Memoranda: | ||
| Average total assets | $197,425,400 | 2,981 |
| Average earning assets | $165,768,400 | 3,165 |
| Average equity | $27,250,400 | 2,552 |
| Average total loans | $100,364,600 | 3,378 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5790% | 1,336 |
| Cost of funding earning assets | 0.3497% | 3,543 |
| Net interest margin | 4.2294% | 1,059 |
| Noninterest income to average assets | 0.8008% | 1,759 |
| Noninterest expense to average assets | 3.5495% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6827% | 3,947 |
| Return on assets (ROA) | 0.7645% | 3,673 |
| Pretax return on assets | 0.9146% | 3,925 |
| Return on Equity (ROE) | 5.4340% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,809 |
| Net charge-offs to loans | 0.0630% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 25.3597% | 1,638 |
| Efficiency ratio | 81.2843% | 1,274 |
| Assets per employee ($millions) | 4.0678% | 3,841 |
| Cash dividends to net income (ytd only)* | 35.8744% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,367 |
| Loan loss allowance to noncurrent loans | 128.3177% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,594 |
| Noncurrent loans to loans | 0.9205% | 2,402 |
| Net loans and leases to total assets | 52.6199% | 4,602 |
| Net loans and leases to deposits | 62.9019% | 4,566 |
| Net loans and leases to core deposits | 64.5916% | 4,694 |
| Total domestic deposits to total assets | 83.6540% | 3,336 |
| Equity capital to assets | 14.2584% | 943 |
| Core capital (leverage) ratio | 13.9884% | 853 |
| Tier 1 risk-based capital ratio | 21.3604% | 1,211 |
| Total risk-based capital ratio | 22.3260% | 1,233 |
| Memoranda: | ||
| Average total assets | $194,462,750 | 3,026 |
| Average earning assets | $163,960,500 | 3,197 |
| Average equity | $27,357,750 | 2,562 |
| Average total loans | $99,430,250 | 3,405 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,408 |
| Cost of funding earning assets | 0.3524% | 3,538 |
| Net interest margin | 4.1873% | 1,145 |
| Noninterest income to average assets | 0.8599% | 1,511 |
| Noninterest expense to average assets | 3.5778% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7013% | 3,781 |
| Return on assets (ROA) | 0.7909% | 3,493 |
| Pretax return on assets | 0.9094% | 3,923 |
| Return on Equity (ROE) | 5.6477% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.4416% | 3,704 |
| Net charge-offs to loans | 0.0980% | 1,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.3125% | 1,933 |
| Efficiency ratio | 81.6068% | 1,316 |
| Assets per employee ($millions) | 4.0051% | 3,890 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,189 |
| Loan loss allowance to noncurrent loans | 140.5498% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 2,653 |
| Noncurrent loans to loans | 0.8755% | 2,550 |
| Net loans and leases to total assets | 51.2315% | 4,746 |
| Net loans and leases to deposits | 61.3418% | 4,706 |
| Net loans and leases to core deposits | 62.6760% | 4,841 |
| Total domestic deposits to total assets | 83.5181% | 3,459 |
| Equity capital to assets | 14.3940% | 903 |
| Core capital (leverage) ratio | 13.9540% | 834 |
| Tier 1 risk-based capital ratio | 21.6143% | 1,182 |
| Total risk-based capital ratio | 22.5995% | 1,198 |
| Memoranda: | ||
| Average total assets | $194,199,330 | 3,048 |
| Average earning assets | $163,446,000 | 3,226 |
| Average equity | $27,197,000 | 2,581 |
| Average total loans | $97,917,000 | 3,442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,491 |
| Cost of funding earning assets | 0.3529% | 3,571 |
| Net interest margin | 4.1530% | 1,210 |
| Noninterest income to average assets | 0.9940% | 1,090 |
| Noninterest expense to average assets | 3.6951% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8054% | 3,217 |
| Return on assets (ROA) | 0.8034% | 3,343 |
| Pretax return on assets | 0.8177% | 4,143 |
| Return on Equity (ROE) | 5.8161% | 4,072 |
| Retained earnings to average equity (ytd only) | 2.8487% | 4,085 |
| Net charge-offs to loans | 0.1526% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.8108% | 1,903 |
| Efficiency ratio | 81.8429% | 1,382 |
| Assets per employee ($millions) | 3.9331% | 4,068 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,050 |
| Loan loss allowance to noncurrent loans | 526.8085% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 3,573 |
| Noncurrent loans to loans | 0.2414% | 4,565 |
| Net loans and leases to total assets | 49.8807% | 4,813 |
| Net loans and leases to deposits | 59.5111% | 4,751 |
| Net loans and leases to core deposits | 60.8996% | 4,878 |
| Total domestic deposits to total assets | 83.8175% | 3,592 |
| Equity capital to assets | 14.1423% | 931 |
| Core capital (leverage) ratio | 14.2212% | 756 |
| Tier 1 risk-based capital ratio | 21.6574% | 1,211 |
| Total risk-based capital ratio | 22.6411% | 1,227 |
| Memoranda: | ||
| Average total assets | $195,175,500 | 3,043 |
| Average earning assets | $165,471,000 | 3,211 |
| Average equity | $26,959,500 | 2,601 |
| Average total loans | $97,016,500 | 3,471 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 1,574 |
| Cost of funding earning assets | 0.4371% | 2,765 |
| Net interest margin | 4.0685% | 1,492 |
| Noninterest income to average assets | 0.6739% | 2,328 |
| Noninterest expense to average assets | 3.3918% | 1,501 |
| Loan and lease loss provision to assets | -0.0179% | 5,659 |
| Net operating income to assets | 0.6325% | 4,124 |
| Return on assets (ROA) | 0.6672% | 4,054 |
| Pretax return on assets | 0.8214% | 4,121 |
| Return on Equity (ROE) | 4.9859% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.4600% | 3,595 |
| Net charge-offs to loans | 0.2459% | 1,223 |
| Credit loss provision to net charge-offs | -14.6444% | 4,962 |
| Earnings coverage of net charge-offs (x) | 6.2343% | 3,259 |
| Efficiency ratio | 81.6818% | 1,447 |
| Assets per employee ($millions) | 4.0333% | 3,872 |
| Cash dividends to net income (ytd only)* | 30.6044% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,798 |
| Loan loss allowance to noncurrent loans | 321.1587% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 3,344 |
| Noncurrent loans to loans | 0.4107% | 3,979 |
| Net loans and leases to total assets | 48.2667% | 4,995 |
| Net loans and leases to deposits | 57.0436% | 4,977 |
| Net loans and leases to core deposits | 58.3265% | 5,087 |
| Total domestic deposits to total assets | 84.6137% | 3,248 |
| Equity capital to assets | 13.4918% | 1,131 |
| Core capital (leverage) ratio | 13.7524% | 894 |
| Tier 1 risk-based capital ratio | 21.2333% | 1,257 |
| Total risk-based capital ratio | 22.2568% | 1,278 |
| Memoranda: | ||
| Average total assets | $195,886,600 | 2,985 |
| Average earning assets | $167,481,000 | 3,154 |
| Average equity | $26,214,000 | 2,608 |
| Average total loans | $97,185,400 | 3,433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 1,526 |
| Cost of funding earning assets | 0.4633% | 2,548 |
| Net interest margin | 4.0613% | 1,526 |
| Noninterest income to average assets | 0.6713% | 2,380 |
| Noninterest expense to average assets | 3.4715% | 1,341 |
| Loan and lease loss provision to assets | -0.0239% | 5,858 |
| Net operating income to assets | 0.5407% | 4,627 |
| Return on assets (ROA) | 0.5573% | 4,656 |
| Pretax return on assets | 0.7320% | 4,563 |
| Return on Equity (ROE) | 4.1734% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.6409% | 4,529 |
| Net charge-offs to loans | 0.1000% | 2,148 |
| Credit loss provision to net charge-offs | -47.9452% | 4,964 |
| Earnings coverage of net charge-offs (x) | 13.7810% | 2,293 |
| Efficiency ratio | 83.4947% | 1,220 |
| Assets per employee ($millions) | 3.7220% | 4,402 |
| Cash dividends to net income (ytd only)* | 36.7196% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 2,167 |
| Loan loss allowance to noncurrent loans | 198.7586% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7437% | 3,044 |
| Noncurrent loans to loans | 0.7539% | 3,077 |
| Net loans and leases to total assets | 50.9011% | 4,863 |
| Net loans and leases to deposits | 60.7301% | 4,804 |
| Net loans and leases to core deposits | 62.4060% | 4,913 |
| Total domestic deposits to total assets | 83.8153% | 3,502 |
| Equity capital to assets | 14.1181% | 980 |
| Core capital (leverage) ratio | 13.9317% | 881 |
| Tier 1 risk-based capital ratio | 21.2256% | 1,307 |
| Total risk-based capital ratio | 22.3992% | 1,302 |
| Memoranda: | ||
| Average total assets | $195,450,500 | 3,017 |
| Average earning assets | $167,792,000 | 3,179 |
| Average equity | $26,101,500 | 2,637 |
| Average total loans | $97,315,500 | 3,464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 1,614 |
| Cost of funding earning assets | 0.4890% | 2,361 |
| Net interest margin | 3.9877% | 1,674 |
| Noninterest income to average assets | 0.6426% | 2,515 |
| Noninterest expense to average assets | 3.3943% | 1,480 |
| Loan and lease loss provision to assets | -0.0353% | 6,005 |
| Net operating income to assets | 0.5252% | 4,670 |
| Return on assets (ROA) | 0.5469% | 4,681 |
| Pretax return on assets | 0.7121% | 4,617 |
| Return on Equity (ROE) | 4.1699% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.6340% | 4,381 |
| Net charge-offs to loans | 0.0655% | 2,442 |
| Credit loss provision to net charge-offs | -109.3750% | 4,915 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,719 |
| Efficiency ratio | 83.9562% | 1,272 |
| Assets per employee ($millions) | 3.8343% | 4,196 |
| Cash dividends to net income (ytd only)* | 36.8324% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,116 |
| Loan loss allowance to noncurrent loans | 310.0418% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 3,714 |
| Noncurrent loans to loans | 0.4967% | 3,979 |
| Net loans and leases to total assets | 49.4189% | 4,986 |
| Net loans and leases to deposits | 60.2981% | 4,826 |
| Net loans and leases to core deposits | 61.7458% | 4,959 |
| Total domestic deposits to total assets | 81.9577% | 4,302 |
| Equity capital to assets | 13.4652% | 1,185 |
| Core capital (leverage) ratio | 13.3467% | 1,030 |
| Tier 1 risk-based capital ratio | 21.0176% | 1,359 |
| Total risk-based capital ratio | 22.2275% | 1,338 |
| Memoranda: | ||
| Average total assets | $198,566,670 | 3,006 |
| Average earning assets | $169,321,670 | 3,172 |
| Average equity | $26,044,000 | 2,654 |
| Average total loans | $97,697,670 | 3,479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 1,902 |
| Cost of funding earning assets | 0.4914% | 2,364 |
| Net interest margin | 3.8685% | 2,004 |
| Noninterest income to average assets | 0.6277% | 2,507 |
| Noninterest expense to average assets | 3.3645% | 1,567 |
| Loan and lease loss provision to assets | -0.0693% | 6,184 |
| Net operating income to assets | 0.5097% | 4,629 |
| Return on assets (ROA) | 0.5287% | 4,667 |
| Pretax return on assets | 0.6614% | 4,723 |
| Return on Equity (ROE) | 4.0828% | 4,949 |
| Retained earnings to average equity (ytd only) | 2.5537% | 4,409 |
| Net charge-offs to loans | 0.0813% | 1,894 |
| Credit loss provision to net charge-offs | -175.0000% | 4,584 |
| Earnings coverage of net charge-offs (x) | 14.3500% | 1,675 |
| Efficiency ratio | 85.5488% | 1,221 |
| Assets per employee ($millions) | 3.8462% | 4,254 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 2,377 |
| Loan loss allowance to noncurrent loans | 501.3423% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,143 |
| Noncurrent loans to loans | 0.3027% | 4,706 |
| Net loans and leases to total assets | 50.4095% | 4,802 |
| Net loans and leases to deposits | 61.6225% | 4,611 |
| Net loans and leases to core deposits | 62.9866% | 4,780 |
| Total domestic deposits to total assets | 81.8038% | 4,565 |
| Equity capital to assets | 13.7009% | 1,091 |
| Core capital (leverage) ratio | 13.1563% | 1,109 |
| Tier 1 risk-based capital ratio | 20.2350% | 1,567 |
| Total risk-based capital ratio | 21.4108% | 1,552 |
| Memoranda: | ||
| Average total assets | $201,992,000 | 2,991 |
| Average earning assets | $172,573,500 | 3,143 |
| Average equity | $26,158,500 | 2,662 |
| Average total loans | $98,433,500 | 3,483 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,411 |
| Cost of funding earning assets | 0.5495% | 2,208 |
| Net interest margin | 4.1051% | 1,564 |
| Noninterest income to average assets | 0.7444% | 2,104 |
| Noninterest expense to average assets | 3.2839% | 1,965 |
| Loan and lease loss provision to assets | 0.0609% | 3,303 |
| Net operating income to assets | 0.7463% | 3,643 |
| Return on assets (ROA) | 0.8073% | 3,428 |
| Pretax return on assets | 0.9595% | 3,648 |
| Return on Equity (ROE) | 6.3657% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.7653% | 2,784 |
| Net charge-offs to loans | 0.1409% | 2,618 |
| Credit loss provision to net charge-offs | 86.9565% | 2,707 |
| Earnings coverage of net charge-offs (x) | 13.5362% | 2,258 |
| Efficiency ratio | 77.6019% | 2,261 |
| Assets per employee ($millions) | 4.2335% | 3,473 |
| Cash dividends to net income (ytd only)* | 25.1414% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 2,182 |
| Loan loss allowance to noncurrent loans | 311.0442% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 3,800 |
| Noncurrent loans to loans | 0.5059% | 4,149 |
| Net loans and leases to total assets | 45.7692% | 5,343 |
| Net loans and leases to deposits | 54.7041% | 5,275 |
| Net loans and leases to core deposits | 55.4896% | 5,412 |
| Total domestic deposits to total assets | 83.6669% | 3,856 |
| Equity capital to assets | 12.2683% | 1,808 |
| Core capital (leverage) ratio | 12.9721% | 1,155 |
| Tier 1 risk-based capital ratio | 20.2688% | 1,540 |
| Total risk-based capital ratio | 21.4979% | 1,518 |
| Memoranda: | ||
| Average total assets | $197,080,800 | 3,034 |
| Average earning assets | $167,424,200 | 3,189 |
| Average equity | $24,993,200 | 2,660 |
| Average total loans | $97,954,800 | 3,466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 1,142 |
| Cost of funding earning assets | 0.5673% | 2,129 |
| Net interest margin | 4.2143% | 1,243 |
| Noninterest income to average assets | 0.7527% | 2,081 |
| Noninterest expense to average assets | 3.3623% | 1,760 |
| Loan and lease loss provision to assets | 0.0827% | 2,697 |
| Net operating income to assets | 0.7440% | 3,702 |
| Return on assets (ROA) | 0.8251% | 3,404 |
| Pretax return on assets | 0.9781% | 3,685 |
| Return on Equity (ROE) | 6.4485% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.8323% | 3,195 |
| Net charge-offs to loans | 0.1826% | 2,000 |
| Credit loss provision to net charge-offs | 89.5522% | 2,439 |
| Earnings coverage of net charge-offs (x) | 10.4404% | 2,543 |
| Efficiency ratio | 77.7123% | 2,227 |
| Assets per employee ($millions) | 3.8222% | 4,241 |
| Cash dividends to net income (ytd only)* | 25.0627% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 2,391 |
| Loan loss allowance to noncurrent loans | 291.3696% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 3,736 |
| Noncurrent loans to loans | 0.5410% | 4,307 |
| Net loans and leases to total assets | 50.7386% | 4,919 |
| Net loans and leases to deposits | 61.8244% | 4,754 |
| Net loans and leases to core deposits | 62.5111% | 5,001 |
| Total domestic deposits to total assets | 82.0689% | 4,456 |
| Equity capital to assets | 13.3573% | 1,254 |
| Core capital (leverage) ratio | 13.2338% | 1,088 |
| Tier 1 risk-based capital ratio | 20.7882% | 1,495 |
| Total risk-based capital ratio | 22.0388% | 1,467 |
| Memoranda: | ||
| Average total assets | $193,432,250 | 3,085 |
| Average earning assets | $164,041,750 | 3,262 |
| Average equity | $24,749,250 | 2,693 |
| Average total loans | $97,835,750 | 3,494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,114 |
| Cost of funding earning assets | 0.5723% | 2,143 |
| Net interest margin | 4.2041% | 1,236 |
| Noninterest income to average assets | 0.8424% | 1,692 |
| Noninterest expense to average assets | 3.3078% | 1,906 |
| Loan and lease loss provision to assets | 0.1236% | 1,996 |
| Net operating income to assets | 0.8265% | 3,198 |
| Return on assets (ROA) | 0.8939% | 2,940 |
| Pretax return on assets | 1.0535% | 3,265 |
| Return on Equity (ROE) | 7.0886% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.4553% | 2,667 |
| Net charge-offs to loans | 0.3176% | 1,274 |
| Credit loss provision to net charge-offs | 77.4194% | 2,364 |
| Earnings coverage of net charge-offs (x) | 6.8774% | 2,706 |
| Efficiency ratio | 75.0818% | 2,798 |
| Assets per employee ($millions) | 3.7723% | 4,313 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,543 |
| Loan loss allowance to noncurrent loans | 837.1585% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 4,172 |
| Noncurrent loans to loans | 0.1886% | 5,447 |
| Net loans and leases to total assets | 50.6240% | 4,897 |
| Net loans and leases to deposits | 61.7422% | 4,718 |
| Net loans and leases to core deposits | 62.8571% | 4,912 |
| Total domestic deposits to total assets | 81.9925% | 4,655 |
| Equity capital to assets | 13.3589% | 1,209 |
| Core capital (leverage) ratio | 13.3449% | 1,036 |
| Tier 1 risk-based capital ratio | 20.3507% | 1,601 |
| Total risk-based capital ratio | 21.5968% | 1,575 |
| Memoranda: | ||
| Average total assets | $194,206,670 | 3,100 |
| Average earning assets | $164,602,330 | 3,261 |
| Average equity | $24,490,000 | 2,709 |
| Average total loans | $97,608,000 | 3,500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,207 |
| Cost of funding earning assets | 0.5672% | 2,267 |
| Net interest margin | 4.1572% | 1,326 |
| Noninterest income to average assets | 0.6660% | 2,367 |
| Noninterest expense to average assets | 3.2304% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7580% | 3,364 |
| Return on assets (ROA) | 0.7452% | 3,536 |
| Pretax return on assets | 0.9462% | 3,532 |
| Return on Equity (ROE) | 6.0821% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.4248% | 3,469 |
| Net charge-offs to loans | 0.6455% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 77.0460% | 2,639 |
| Assets per employee ($millions) | 3.8321% | 4,265 |
| Cash dividends to net income (ytd only)* | 27.2480% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,357 |
| Loan loss allowance to noncurrent loans | 1,155.7377% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 3,835 |
| Noncurrent loans to loans | 0.1258% | 5,731 |
| Net loans and leases to total assets | 49.8774% | 4,924 |
| Net loans and leases to deposits | 60.3460% | 4,729 |
| Net loans and leases to core deposits | 61.5691% | 4,917 |
| Total domestic deposits to total assets | 82.6522% | 4,734 |
| Equity capital to assets | 12.7795% | 1,410 |
| Core capital (leverage) ratio | 12.8543% | 1,219 |
| Tier 1 risk-based capital ratio | 19.9778% | 1,726 |
| Total risk-based capital ratio | 21.1219% | 1,716 |
| Memoranda: | ||
| Average total assets | $197,002,000 | 3,087 |
| Average earning assets | $167,130,000 | 3,253 |
| Average equity | $24,136,500 | 2,743 |
| Average total loans | $97,903,500 | 3,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 1,293 |
| Cost of funding earning assets | 0.6495% | 2,208 |
| Net interest margin | 4.1598% | 1,474 |
| Noninterest income to average assets | 0.6996% | 2,546 |
| Noninterest expense to average assets | 3.3043% | 2,137 |
| Loan and lease loss provision to assets | 0.0712% | 3,698 |
| Net operating income to assets | 0.6113% | 4,214 |
| Return on assets (ROA) | 0.6355% | 4,197 |
| Pretax return on assets | 0.8943% | 3,788 |
| Return on Equity (ROE) | 5.1873% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.5274% | 3,714 |
| Net charge-offs to loans | 0.3417% | 1,969 |
| Credit loss provision to net charge-offs | 41.9162% | 3,997 |
| Earnings coverage of net charge-offs (x) | 5.4850% | 3,290 |
| Efficiency ratio | 78.0098% | 2,465 |
| Assets per employee ($millions) | 4.0480% | 3,766 |
| Cash dividends to net income (ytd only)* | 32.0000% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 2,816 |
| Loan loss allowance to noncurrent loans | 198.3544% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1398% | 3,119 |
| Noncurrent loans to loans | 0.7994% | 3,980 |
| Net loans and leases to total assets | 48.0548% | 5,288 |
| Net loans and leases to deposits | 57.2728% | 5,186 |
| Net loans and leases to core deposits | 58.3503% | 5,363 |
| Total domestic deposits to total assets | 83.9051% | 4,202 |
| Equity capital to assets | 11.7525% | 1,983 |
| Core capital (leverage) ratio | 12.3943% | 1,407 |
| Tier 1 risk-based capital ratio | 19.0603% | 1,902 |
| Total risk-based capital ratio | 20.2868% | 1,868 |
| Memoranda: | ||
| Average total assets | $196,685,000 | 3,067 |
| Average earning assets | $167,196,000 | 3,253 |
| Average equity | $24,097,200 | 2,720 |
| Average total loans | $97,738,000 | 3,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,340 |
| Cost of funding earning assets | 0.6700% | 2,176 |
| Net interest margin | 4.1312% | 1,530 |
| Noninterest income to average assets | 0.6924% | 2,650 |
| Noninterest expense to average assets | 3.3535% | 1,932 |
| Loan and lease loss provision to assets | 0.0615% | 3,814 |
| Net operating income to assets | 0.5846% | 4,412 |
| Return on assets (ROA) | 0.6180% | 4,395 |
| Pretax return on assets | 0.8474% | 4,108 |
| Return on Equity (ROE) | 4.9913% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.3367% | 4,305 |
| Net charge-offs to loans | 0.3283% | 1,899 |
| Credit loss provision to net charge-offs | 37.5000% | 3,757 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 3,238 |
| Efficiency ratio | 79.5304% | 2,173 |
| Assets per employee ($millions) | 3.8099% | 4,213 |
| Cash dividends to net income (ytd only)* | 33.1491% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 2,669 |
| Loan loss allowance to noncurrent loans | 173.7864% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2998% | 3,057 |
| Noncurrent loans to loans | 0.9708% | 3,869 |
| Net loans and leases to total assets | 49.2800% | 5,217 |
| Net loans and leases to deposits | 59.2886% | 5,058 |
| Net loans and leases to core deposits | 60.4866% | 5,261 |
| Total domestic deposits to total assets | 83.1189% | 4,533 |
| Equity capital to assets | 12.4427% | 1,618 |
| Core capital (leverage) ratio | 12.6580% | 1,346 |
| Tier 1 risk-based capital ratio | 19.7571% | 1,797 |
| Total risk-based capital ratio | 21.0077% | 1,761 |
| Memoranda: | ||
| Average total assets | $195,256,250 | 3,108 |
| Average earning assets | $166,566,250 | 3,294 |
| Average equity | $24,174,750 | 2,743 |
| Average total loans | $97,465,000 | 3,541 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,464 |
| Cost of funding earning assets | 0.6858% | 2,174 |
| Net interest margin | 4.0526% | 1,684 |
| Noninterest income to average assets | 0.7041% | 2,612 |
| Noninterest expense to average assets | 3.3103% | 2,045 |
| Loan and lease loss provision to assets | 0.0914% | 3,264 |
| Net operating income to assets | 0.5410% | 4,603 |
| Return on assets (ROA) | 0.5893% | 4,531 |
| Pretax return on assets | 0.8291% | 4,200 |
| Return on Equity (ROE) | 4.7674% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.1235% | 4,333 |
| Net charge-offs to loans | 0.4627% | 1,427 |
| Credit loss provision to net charge-offs | 39.6476% | 3,423 |
| Earnings coverage of net charge-offs (x) | 3.6960% | 3,333 |
| Efficiency ratio | 79.5216% | 2,221 |
| Assets per employee ($millions) | 3.8000% | 4,206 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,763 |
| Loan loss allowance to noncurrent loans | 364.3498% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0263% | 3,700 |
| Noncurrent loans to loans | 0.4682% | 5,086 |
| Net loans and leases to total assets | 49.2837% | 5,188 |
| Net loans and leases to deposits | 59.2374% | 5,047 |
| Net loans and leases to core deposits | 60.2490% | 5,246 |
| Total domestic deposits to total assets | 83.1968% | 4,626 |
| Equity capital to assets | 12.4121% | 1,634 |
| Core capital (leverage) ratio | 12.3699% | 1,426 |
| Tier 1 risk-based capital ratio | 19.6088% | 1,828 |
| Total risk-based capital ratio | 20.8602% | 1,799 |
| Memoranda: | ||
| Average total assets | $196,842,670 | 3,103 |
| Average earning assets | $167,990,330 | 3,284 |
| Average equity | $24,332,000 | 2,735 |
| Average total loans | $98,124,000 | 3,541 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 1,534 |
| Cost of funding earning assets | 0.6973% | 2,243 |
| Net interest margin | 4.0042% | 1,763 |
| Noninterest income to average assets | 0.6731% | 2,737 |
| Noninterest expense to average assets | 3.2577% | 2,193 |
| Loan and lease loss provision to assets | 0.1798% | 2,063 |
| Net operating income to assets | 0.4911% | 4,713 |
| Return on assets (ROA) | 0.5473% | 4,617 |
| Pretax return on assets | 0.7410% | 4,407 |
| Return on Equity (ROE) | 4.4361% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.8171% | 4,595 |
| Net charge-offs to loans | 0.6589% | 927 |
| Credit loss provision to net charge-offs | 54.8780% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.5793% | 2,999 |
| Efficiency ratio | 79.4060% | 2,412 |
| Assets per employee ($millions) | 3.9187% | 4,124 |
| Cash dividends to net income (ytd only)* | 36.4964% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 2,983 |
| Loan loss allowance to noncurrent loans | 575.7679% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 4,146 |
| Noncurrent loans to loans | 0.2963% | 5,661 |
| Net loans and leases to total assets | 49.6070% | 5,040 |
| Net loans and leases to deposits | 59.7039% | 4,832 |
| Net loans and leases to core deposits | 62.5438% | 4,900 |
| Total domestic deposits to total assets | 83.0884% | 4,824 |
| Equity capital to assets | 12.6118% | 1,641 |
| Core capital (leverage) ratio | 11.8973% | 1,622 |
| Tier 1 risk-based capital ratio | 19.1738% | 1,988 |
| Total risk-based capital ratio | 20.4250% | 1,962 |
| Memoranda: | ||
| Average total assets | $200,264,000 | 3,093 |
| Average earning assets | $171,522,000 | 3,263 |
| Average equity | $24,706,500 | 2,733 |
| Average total loans | $99,554,000 | 3,515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 1,738 |
| Cost of funding earning assets | 0.8220% | 2,491 |
| Net interest margin | 4.1110% | 1,957 |
| Noninterest income to average assets | 0.7075% | 2,682 |
| Noninterest expense to average assets | 3.1943% | 2,631 |
| Loan and lease loss provision to assets | 0.0985% | 4,413 |
| Net operating income to assets | 0.6725% | 3,870 |
| Return on assets (ROA) | 0.7585% | 3,714 |
| Pretax return on assets | 1.0238% | 3,460 |
| Return on Equity (ROE) | 6.2404% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.9932% | 2,711 |
| Net charge-offs to loans | 0.3689% | 2,781 |
| Credit loss provision to net charge-offs | 53.4247% | 4,608 |
| Earnings coverage of net charge-offs (x) | 5.4548% | 3,033 |
| Efficiency ratio | 76.0467% | 2,736 |
| Assets per employee ($millions) | 4.0918% | 3,756 |
| Cash dividends to net income (ytd only)* | 19.9867% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 2,735 |
| Loan loss allowance to noncurrent loans | 274.2991% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 3,962 |
| Noncurrent loans to loans | 0.6406% | 4,917 |
| Net loans and leases to total assets | 48.1260% | 5,401 |
| Net loans and leases to deposits | 57.4122% | 5,304 |
| Net loans and leases to core deposits | 59.9409% | 5,366 |
| Total domestic deposits to total assets | 83.8254% | 4,398 |
| Equity capital to assets | 12.0738% | 1,999 |
| Core capital (leverage) ratio | 11.7682% | 1,692 |
| Tier 1 risk-based capital ratio | 18.6227% | 2,065 |
| Total risk-based capital ratio | 19.8746% | 2,027 |
| Memoranda: | ||
| Average total assets | $197,886,200 | 3,073 |
| Average earning assets | $168,135,200 | 3,252 |
| Average equity | $24,052,800 | 2,741 |
| Average total loans | $98,931,200 | 3,552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9793% | 1,743 |
| Cost of funding earning assets | 0.8505% | 2,532 |
| Net interest margin | 4.1289% | 1,985 |
| Noninterest income to average assets | 0.6890% | 2,761 |
| Noninterest expense to average assets | 3.2047% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6801% | 4,008 |
| Return on assets (ROA) | 0.7767% | 3,816 |
| Pretax return on assets | 1.1246% | 3,253 |
| Return on Equity (ROE) | 6.3789% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.1232% | 3,272 |
| Net charge-offs to loans | 0.4165% | 2,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.7045% | 3,228 |
| Efficiency ratio | 76.4964% | 2,596 |
| Assets per employee ($millions) | 3.8936% | 4,101 |
| Cash dividends to net income (ytd only)* | 19.6849% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,373 |
| Loan loss allowance to noncurrent loans | 349.8911% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 4,228 |
| Noncurrent loans to loans | 0.4687% | 5,515 |
| Net loans and leases to total assets | 49.4797% | 5,374 |
| Net loans and leases to deposits | 59.5665% | 5,253 |
| Net loans and leases to core deposits | 62.3543% | 5,321 |
| Total domestic deposits to total assets | 83.0662% | 4,620 |
| Equity capital to assets | 12.5779% | 1,835 |
| Core capital (leverage) ratio | 11.9261% | 1,702 |
| Tier 1 risk-based capital ratio | 19.0348% | 2,003 |
| Total risk-based capital ratio | 20.2858% | 1,971 |
| Memoranda: | ||
| Average total assets | $196,209,750 | 3,121 |
| Average earning assets | $166,336,250 | 3,317 |
| Average equity | $23,890,500 | 2,783 |
| Average total loans | $98,608,250 | 3,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9644% | 1,887 |
| Cost of funding earning assets | 0.8831% | 2,537 |
| Net interest margin | 4.0812% | 2,161 |
| Noninterest income to average assets | 0.6700% | 2,834 |
| Noninterest expense to average assets | 3.1385% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6829% | 3,966 |
| Return on assets (ROA) | 0.7818% | 3,729 |
| Pretax return on assets | 1.1214% | 3,229 |
| Return on Equity (ROE) | 6.4917% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.2255% | 3,139 |
| Net charge-offs to loans | 0.3400% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.7381% | 2,765 |
| Efficiency ratio | 76.2034% | 2,708 |
| Assets per employee ($millions) | 3.8689% | 4,148 |
| Cash dividends to net income (ytd only)* | 19.5059% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 2,873 |
| Loan loss allowance to noncurrent loans | 135.7698% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 3,902 |
| Noncurrent loans to loans | 1.3210% | 3,938 |
| Net loans and leases to total assets | 49.4236% | 5,432 |
| Net loans and leases to deposits | 59.3611% | 5,302 |
| Net loans and leases to core deposits | 62.8188% | 5,320 |
| Total domestic deposits to total assets | 83.2592% | 4,647 |
| Equity capital to assets | 12.4879% | 1,827 |
| Core capital (leverage) ratio | 11.8758% | 1,667 |
| Tier 1 risk-based capital ratio | 19.0657% | 1,951 |
| Total risk-based capital ratio | 20.3184% | 1,931 |
| Memoranda: | ||
| Average total assets | $196,719,000 | 3,127 |
| Average earning assets | $166,223,670 | 3,325 |
| Average equity | $23,691,670 | 2,792 |
| Average total loans | $98,833,000 | 3,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 2,004 |
| Cost of funding earning assets | 0.9255% | 2,474 |
| Net interest margin | 4.0424% | 2,322 |
| Noninterest income to average assets | 0.6272% | 3,071 |
| Noninterest expense to average assets | 3.0430% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7036% | 3,870 |
| Return on assets (ROA) | 0.9054% | 3,116 |
| Pretax return on assets | 1.2644% | 2,673 |
| Return on Equity (ROE) | 7.6559% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.3771% | 2,753 |
| Net charge-offs to loans | 0.0121% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 162.6667% | 223 |
| Efficiency ratio | 75.5633% | 2,844 |
| Assets per employee ($millions) | 3.8864% | 4,221 |
| Cash dividends to net income (ytd only)* | 16.7038% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 2,552 |
| Loan loss allowance to noncurrent loans | 159.1174% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 4,401 |
| Noncurrent loans to loans | 1.2200% | 4,296 |
| Net loans and leases to total assets | 49.6773% | 5,352 |
| Net loans and leases to deposits | 59.4120% | 5,227 |
| Net loans and leases to core deposits | 63.5129% | 5,174 |
| Total domestic deposits to total assets | 83.6150% | 4,668 |
| Equity capital to assets | 12.1332% | 1,952 |
| Core capital (leverage) ratio | 11.5674% | 1,857 |
| Tier 1 risk-based capital ratio | 18.9659% | 1,995 |
| Total risk-based capital ratio | 20.2205% | 1,954 |
| Memoranda: | ||
| Average total assets | $198,356,500 | 3,127 |
| Average earning assets | $166,833,000 | 3,335 |
| Average equity | $23,459,000 | 2,807 |
| Average total loans | $99,573,000 | 3,603 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 1,906 |
| Cost of funding earning assets | 1.0719% | 2,862 |
| Net interest margin | 4.1698% | 2,157 |
| Noninterest income to average assets | 0.5486% | 3,517 |
| Noninterest expense to average assets | 2.9985% | 3,597 |
| Loan and lease loss provision to assets | 0.2205% | 3,990 |
| Net operating income to assets | 0.6658% | 3,657 |
| Return on assets (ROA) | 0.7424% | 3,452 |
| Pretax return on assets | 1.0034% | 3,236 |
| Return on Equity (ROE) | 6.4749% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.1334% | 2,547 |
| Net charge-offs to loans | 0.1457% | 4,976 |
| Credit loss provision to net charge-offs | 281.0458% | 843 |
| Earnings coverage of net charge-offs (x) | 14.2810% | 1,467 |
| Efficiency ratio | 72.7997% | 3,427 |
| Assets per employee ($millions) | 3.9685% | 3,924 |
| Cash dividends to net income (ytd only)* | 20.7182% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,566 |
| Loan loss allowance to noncurrent loans | 217.5000% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 4,715 |
| Noncurrent loans to loans | 0.8739% | 4,940 |
| Net loans and leases to total assets | 48.8100% | 5,740 |
| Net loans and leases to deposits | 57.7987% | 5,712 |
| Net loans and leases to core deposits | 61.3669% | 5,718 |
| Total domestic deposits to total assets | 84.4482% | 4,120 |
| Equity capital to assets | 11.5324% | 2,472 |
| Core capital (leverage) ratio | 11.4281% | 1,944 |
| Tier 1 risk-based capital ratio | 18.1686% | 2,141 |
| Total risk-based capital ratio | 19.4224% | 2,112 |
| Memoranda: | ||
| Average total assets | $195,031,400 | 3,114 |
| Average earning assets | $166,988,400 | 3,297 |
| Average equity | $22,363,400 | 2,854 |
| Average total loans | $105,036,200 | 3,501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 1,860 |
| Cost of funding earning assets | 1.0982% | 2,990 |
| Net interest margin | 4.2012% | 2,093 |
| Noninterest income to average assets | 0.5915% | 3,222 |
| Noninterest expense to average assets | 3.0353% | 3,420 |
| Loan and lease loss provision to assets | 0.1863% | 4,165 |
| Net operating income to assets | 0.7060% | 3,586 |
| Return on assets (ROA) | 0.7702% | 3,461 |
| Pretax return on assets | 1.0946% | 3,040 |
| Return on Equity (ROE) | 6.7271% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.3708% | 2,933 |
| Net charge-offs to loans | 0.1784% | 4,378 |
| Credit loss provision to net charge-offs | 190.1408% | 1,531 |
| Earnings coverage of net charge-offs (x) | 12.1337% | 1,735 |
| Efficiency ratio | 71.8510% | 3,579 |
| Assets per employee ($millions) | 3.8059% | 4,295 |
| Cash dividends to net income (ytd only)* | 20.1612% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,159 |
| Loan loss allowance to noncurrent loans | 1,665.0943% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 5,524 |
| Noncurrent loans to loans | 0.1040% | 6,668 |
| Net loans and leases to total assets | 52.6446% | 5,368 |
| Net loans and leases to deposits | 63.0831% | 5,282 |
| Net loans and leases to core deposits | 67.1698% | 5,284 |
| Total domestic deposits to total assets | 83.4527% | 4,503 |
| Equity capital to assets | 12.2125% | 2,084 |
| Core capital (leverage) ratio | 11.4937% | 2,030 |
| Tier 1 risk-based capital ratio | 18.2803% | 2,158 |
| Total risk-based capital ratio | 19.5333% | 2,118 |
| Memoranda: | ||
| Average total assets | $193,190,500 | 3,158 |
| Average earning assets | $167,060,750 | 3,300 |
| Average equity | $22,119,000 | 2,874 |
| Average total loans | $106,119,500 | 3,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 1,904 |
| Cost of funding earning assets | 1.1267% | 3,060 |
| Net interest margin | 4.1710% | 2,157 |
| Noninterest income to average assets | 0.4728% | 4,087 |
| Noninterest expense to average assets | 2.9935% | 3,665 |
| Loan and lease loss provision to assets | 0.1236% | 4,743 |
| Net operating income to assets | 0.6921% | 3,578 |
| Return on assets (ROA) | 0.7273% | 3,522 |
| Pretax return on assets | 1.0280% | 3,128 |
| Return on Equity (ROE) | 6.4933% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.1137% | 2,933 |
| Net charge-offs to loans | 0.2344% | 3,717 |
| Credit loss provision to net charge-offs | 95.2381% | 3,299 |
| Earnings coverage of net charge-offs (x) | 8.4921% | 2,047 |
| Efficiency ratio | 73.0885% | 3,525 |
| Assets per employee ($millions) | 3.8741% | 4,051 |
| Cash dividends to net income (ytd only)* | 21.2465% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,946 |
| Loan loss allowance to noncurrent loans | 3,077.3585% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 5,533 |
| Noncurrent loans to loans | 0.0500% | 6,858 |
| Net loans and leases to total assets | 53.8574% | 5,312 |
| Net loans and leases to deposits | 63.9462% | 5,280 |
| Net loans and leases to core deposits | 70.7245% | 4,985 |
| Total domestic deposits to total assets | 84.2230% | 4,252 |
| Equity capital to assets | 11.5753% | 2,436 |
| Core capital (leverage) ratio | 11.3689% | 1,995 |
| Tier 1 risk-based capital ratio | 17.4974% | 2,341 |
| Total risk-based capital ratio | 18.7482% | 2,309 |
| Memoranda: | ||
| Average total assets | $194,155,000 | 3,166 |
| Average earning assets | $168,638,670 | 3,300 |
| Average equity | $21,745,330 | 2,903 |
| Average total loans | $107,510,670 | 3,517 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3773% | 1,650 |
| Cost of funding earning assets | 1.2091% | 2,760 |
| Net interest margin | 4.1682% | 2,004 |
| Noninterest income to average assets | 0.3457% | 5,145 |
| Noninterest expense to average assets | 3.0271% | 3,531 |
| Loan and lease loss provision to assets | 0.0617% | 5,222 |
| Net operating income to assets | 0.5968% | 4,050 |
| Return on assets (ROA) | 0.6338% | 3,914 |
| Pretax return on assets | 0.8766% | 3,589 |
| Return on Equity (ROE) | 5.7551% | 4,043 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,557 |
| Net charge-offs to loans | 0.0702% | 4,228 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 22.6842% | 1,044 |
| Efficiency ratio | 77.3396% | 2,936 |
| Assets per employee ($millions) | 3.7802% | 4,345 |
| Cash dividends to net income (ytd only)* | 24.3506% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 4,036 |
| Loan loss allowance to noncurrent loans | 315.9004% | 984 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 4,610 |
| Noncurrent loans to loans | 0.4853% | 6,044 |
| Net loans and leases to total assets | 56.0325% | 4,988 |
| Net loans and leases to deposits | 66.5151% | 4,896 |
| Net loans and leases to core deposits | 73.5157% | 4,587 |
| Total domestic deposits to total assets | 84.2403% | 4,394 |
| Equity capital to assets | 11.3905% | 2,351 |
| Core capital (leverage) ratio | 11.2372% | 2,011 |
| Tier 1 risk-based capital ratio | 17.0772% | 2,446 |
| Total risk-based capital ratio | 18.3277% | 2,420 |
| Memoranda: | ||
| Average total assets | $194,379,500 | 3,184 |
| Average earning assets | $166,404,500 | 3,354 |
| Average equity | $21,407,000 | 2,926 |
| Average total loans | $108,288,000 | 3,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6761% | 1,657 |
| Cost of funding earning assets | 1.4561% | 2,919 |
| Net interest margin | 4.2200% | 2,100 |
| Noninterest income to average assets | 0.4932% | 4,221 |
| Noninterest expense to average assets | 2.9623% | 3,991 |
| Loan and lease loss provision to assets | 0.2061% | 5,183 |
| Net operating income to assets | 0.6473% | 3,452 |
| Return on assets (ROA) | 0.7720% | 3,042 |
| Pretax return on assets | 1.0797% | 2,662 |
| Return on Equity (ROE) | 7.1433% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.7128% | 1,982 |
| Net charge-offs to loans | 0.1551% | 5,419 |
| Credit loss provision to net charge-offs | 232.5581% | 1,266 |
| Earnings coverage of net charge-offs (x) | 12.5523% | 1,489 |
| Efficiency ratio | 72.6951% | 3,658 |
| Assets per employee ($millions) | 3.9950% | 3,797 |
| Cash dividends to net income (ytd only)* | 20.0267% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 4,003 |
| Loan loss allowance to noncurrent loans | 297.0962% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 4,392 |
| Noncurrent loans to loans | 0.5054% | 6,027 |
| Net loans and leases to total assets | 53.7589% | 5,663 |
| Net loans and leases to deposits | 63.0454% | 5,737 |
| Net loans and leases to core deposits | 71.2994% | 5,296 |
| Total domestic deposits to total assets | 85.2702% | 3,726 |
| Equity capital to assets | 10.6558% | 3,017 |
| Core capital (leverage) ratio | 10.7367% | 2,357 |
| Tier 1 risk-based capital ratio | 16.3802% | 2,577 |
| Total risk-based capital ratio | 17.6307% | 2,537 |
| Memoranda: | ||
| Average total assets | $194,036,400 | 3,177 |
| Average earning assets | $164,690,200 | 3,363 |
| Average equity | $20,970,600 | 3,011 |
| Average total loans | $110,922,000 | 3,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 1,670 |
| Cost of funding earning assets | 1.4907% | 3,033 |
| Net interest margin | 4.2238% | 2,131 |
| Noninterest income to average assets | 0.5503% | 3,784 |
| Noninterest expense to average assets | 2.9586% | 3,892 |
| Loan and lease loss provision to assets | 0.1869% | 5,172 |
| Net operating income to assets | 0.7191% | 3,325 |
| Return on assets (ROA) | 0.8238% | 3,051 |
| Pretax return on assets | 1.1650% | 2,619 |
| Return on Equity (ROE) | 7.5944% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.1585% | 2,282 |
| Net charge-offs to loans | 0.0874% | 5,658 |
| Credit loss provision to net charge-offs | 369.8630% | 839 |
| Earnings coverage of net charge-offs (x) | 23.8358% | 1,046 |
| Efficiency ratio | 71.0675% | 3,872 |
| Assets per employee ($millions) | 3.8150% | 4,227 |
| Cash dividends to net income (ytd only)* | 18.9074% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,084 |
| Loan loss allowance to noncurrent loans | 212.9973% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3746% | 4,420 |
| Noncurrent loans to loans | 0.6919% | 5,824 |
| Net loans and leases to total assets | 56.2883% | 5,509 |
| Net loans and leases to deposits | 66.8316% | 5,566 |
| Net loans and leases to core deposits | 76.2215% | 5,029 |
| Total domestic deposits to total assets | 84.2240% | 3,990 |
| Equity capital to assets | 11.5412% | 2,499 |
| Core capital (leverage) ratio | 11.5564% | 1,907 |
| Tier 1 risk-based capital ratio | 16.3328% | 2,621 |
| Total risk-based capital ratio | 17.5827% | 2,580 |
| Memoranda: | ||
| Average total assets | $192,607,750 | 3,250 |
| Average earning assets | $164,745,500 | 3,408 |
| Average equity | $20,892,000 | 3,062 |
| Average total loans | $111,397,250 | 3,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 1,597 |
| Cost of funding earning assets | 1.5301% | 3,073 |
| Net interest margin | 4.2095% | 2,128 |
| Noninterest income to average assets | 0.5776% | 3,493 |
| Noninterest expense to average assets | 2.9416% | 3,919 |
| Loan and lease loss provision to assets | 0.1863% | 5,006 |
| Net operating income to assets | 0.7478% | 3,206 |
| Return on assets (ROA) | 0.8094% | 3,073 |
| Pretax return on assets | 1.1541% | 2,573 |
| Return on Equity (ROE) | 7.6227% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.1605% | 2,246 |
| Net charge-offs to loans | 0.1034% | 5,114 |
| Credit loss provision to net charge-offs | 310.3448% | 1,175 |
| Earnings coverage of net charge-offs (x) | 20.8621% | 1,197 |
| Efficiency ratio | 70.1382% | 4,168 |
| Assets per employee ($millions) | 3.6730% | 4,541 |
| Cash dividends to net income (ytd only)* | 19.1816% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 4,496 |
| Loan loss allowance to noncurrent loans | 233.7405% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5183% | 4,179 |
| Noncurrent loans to loans | 0.5927% | 6,061 |
| Net loans and leases to total assets | 57.0556% | 5,555 |
| Net loans and leases to deposits | 67.4017% | 5,626 |
| Net loans and leases to core deposits | 75.7218% | 5,227 |
| Total domestic deposits to total assets | 84.6501% | 3,793 |
| Equity capital to assets | 11.1279% | 2,746 |
| Core capital (leverage) ratio | 10.7578% | 2,429 |
| Tier 1 risk-based capital ratio | 15.9861% | 2,677 |
| Total risk-based capital ratio | 17.1749% | 2,671 |
| Memoranda: | ||
| Average total assets | $193,226,330 | 3,258 |
| Average earning assets | $166,007,330 | 3,410 |
| Average equity | $20,517,670 | 3,104 |
| Average total loans | $112,204,000 | 3,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5926% | 2,179 |
| Cost of funding earning assets | 1.5449% | 3,304 |
| Net interest margin | 4.0477% | 2,657 |
| Noninterest income to average assets | 0.6031% | 3,261 |
| Noninterest expense to average assets | 2.9762% | 3,764 |
| Loan and lease loss provision to assets | 0.1852% | 4,654 |
| Net operating income to assets | 0.6714% | 3,565 |
| Return on assets (ROA) | 0.6977% | 3,562 |
| Pretax return on assets | 0.9838% | 3,148 |
| Return on Equity (ROE) | 6.7297% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.2408% | 3,019 |
| Net charge-offs to loans | 0.0248% | 5,230 |
| Credit loss provision to net charge-offs | 1,285.7143% | 380 |
| Earnings coverage of net charge-offs (x) | 78.5714% | 395 |
| Efficiency ratio | 72.4449% | 3,855 |
| Assets per employee ($millions) | 3.6349% | 4,731 |
| Cash dividends to net income (ytd only)* | 22.1239% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,744 |
| Loan loss allowance to noncurrent loans | 113.5464% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.5681% | 4,149 |
| Noncurrent loans to loans | 1.1791% | 5,006 |
| Net loans and leases to total assets | 58.1702% | 5,403 |
| Net loans and leases to deposits | 68.5215% | 5,533 |
| Net loans and leases to core deposits | 77.6457% | 5,067 |
| Total domestic deposits to total assets | 84.8933% | 3,725 |
| Equity capital to assets | 10.8038% | 2,950 |
| Core capital (leverage) ratio | 10.6436% | 2,503 |
| Tier 1 risk-based capital ratio | 15.6022% | 2,828 |
| Total risk-based capital ratio | 16.7535% | 2,818 |
| Memoranda: | ||
| Average total assets | $194,340,500 | 3,296 |
| Average earning assets | $168,293,500 | 3,427 |
| Average equity | $20,149,500 | 3,185 |
| Average total loans | $113,053,000 | 3,621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 2,376 |
| Cost of funding earning assets | 1.9081% | 3,424 |
| Net interest margin | 3.9608% | 3,027 |
| Noninterest income to average assets | 0.5896% | 3,711 |
| Noninterest expense to average assets | 2.8680% | 4,663 |
| Loan and lease loss provision to assets | 0.2259% | 5,558 |
| Net operating income to assets | 0.7449% | 2,747 |
| Return on assets (ROA) | 0.7007% | 3,000 |
| Pretax return on assets | 0.9596% | 2,729 |
| Return on Equity (ROE) | 6.9054% | 2,825 |
| Retained earnings to average equity (ytd only) | 5.3336% | 1,659 |
| Net charge-offs to loans | 0.2572% | 5,011 |
| Credit loss provision to net charge-offs | 147.0588% | 3,206 |
| Earnings coverage of net charge-offs (x) | 8.1107% | 2,000 |
| Efficiency ratio | 69.7118% | 4,691 |
| Assets per employee ($millions) | 3.8397% | 4,178 |
| Cash dividends to net income (ytd only)* | 22.7618% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 5,182 |
| Loan loss allowance to noncurrent loans | 322.4256% | 990 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 4,978 |
| Noncurrent loans to loans | 0.3811% | 6,515 |
| Net loans and leases to total assets | 56.7220% | 5,868 |
| Net loans and leases to deposits | 66.0971% | 6,032 |
| Net loans and leases to core deposits | 87.9424% | 5,337 |
| Total domestic deposits to total assets | 85.8162% | 3,102 |
| Equity capital to assets | 9.9557% | 3,821 |
| Core capital (leverage) ratio | 10.2870% | 2,792 |
| Tier 1 risk-based capital ratio | 14.7454% | 3,082 |
| Total risk-based capital ratio | 15.7866% | 3,138 |
| Memoranda: | ||
| Average total assets | $188,108,000 | 3,309 |
| Average earning assets | $167,390,600 | 3,392 |
| Average equity | $19,086,400 | 3,334 |
| Average total loans | $112,368,800 | 3,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8802% | 2,532 |
| Cost of funding earning assets | 1.9769% | 3,480 |
| Net interest margin | 3.9033% | 3,229 |
| Noninterest income to average assets | 0.5802% | 3,851 |
| Noninterest expense to average assets | 2.8664% | 4,585 |
| Loan and lease loss provision to assets | 0.1980% | 5,407 |
| Net operating income to assets | 0.8394% | 2,656 |
| Return on assets (ROA) | 0.6824% | 3,324 |
| Pretax return on assets | 0.8322% | 3,436 |
| Return on Equity (ROE) | 6.6917% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.1035% | 2,426 |
| Net charge-offs to loans | 0.1837% | 4,918 |
| Credit loss provision to net charge-offs | 178.5714% | 2,576 |
| Earnings coverage of net charge-offs (x) | 11.0194% | 1,889 |
| Efficiency ratio | 70.1180% | 4,568 |
| Assets per employee ($millions) | 3.6360% | 4,590 |
| Cash dividends to net income (ytd only)* | 23.7339% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,987 |
| Loan loss allowance to noncurrent loans | 88.3957% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,794 |
| Noncurrent loans to loans | 1.3839% | 4,599 |
| Net loans and leases to total assets | 59.5351% | 5,658 |
| Net loans and leases to deposits | 69.9023% | 5,929 |
| Net loans and leases to core deposits | 94.7420% | 4,956 |
| Total domestic deposits to total assets | 85.1690% | 3,140 |
| Equity capital to assets | 10.5411% | 3,465 |
| Core capital (leverage) ratio | 10.5322% | 2,764 |
| Tier 1 risk-based capital ratio | 14.8329% | 3,119 |
| Total risk-based capital ratio | 15.8846% | 3,156 |
| Memoranda: | ||
| Average total assets | $185,218,750 | 3,383 |
| Average earning assets | $166,453,750 | 3,438 |
| Average equity | $18,888,500 | 3,385 |
| Average total loans | $111,795,250 | 3,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 2,428 |
| Cost of funding earning assets | 2.0297% | 3,628 |
| Net interest margin | 3.9076% | 3,079 |
| Noninterest income to average assets | 0.5382% | 4,121 |
| Noninterest expense to average assets | 2.8184% | 4,876 |
| Loan and lease loss provision to assets | 0.1631% | 5,430 |
| Net operating income to assets | 0.7423% | 3,081 |
| Return on assets (ROA) | 0.8481% | 2,766 |
| Pretax return on assets | 1.2080% | 2,278 |
| Return on Equity (ROE) | 8.4136% | 2,602 |
| Retained earnings to average equity (ytd only) | 6.7956% | 1,665 |
| Net charge-offs to loans | 0.2089% | 4,209 |
| Credit loss provision to net charge-offs | 129.3103% | 3,597 |
| Earnings coverage of net charge-offs (x) | 9.6724% | 2,093 |
| Efficiency ratio | 69.7900% | 4,823 |
| Assets per employee ($millions) | 3.6031% | 4,563 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,145 |
| Loan loss allowance to noncurrent loans | 169.9610% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 5,466 |
| Noncurrent loans to loans | 0.6884% | 5,872 |
| Net loans and leases to total assets | 60.0763% | 5,665 |
| Net loans and leases to deposits | 70.4710% | 5,932 |
| Net loans and leases to core deposits | 95.2428% | 4,984 |
| Total domestic deposits to total assets | 85.2496% | 3,136 |
| Equity capital to assets | 10.2428% | 3,678 |
| Core capital (leverage) ratio | 10.8573% | 2,522 |
| Tier 1 risk-based capital ratio | 14.5798% | 3,201 |
| Total risk-based capital ratio | 15.5537% | 3,285 |
| Memoranda: | ||
| Average total assets | $183,935,000 | 3,424 |
| Average earning assets | $164,756,000 | 3,477 |
| Average equity | $18,541,330 | 3,462 |
| Average total loans | $111,074,670 | 3,740 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9293% | 2,653 |
| Cost of funding earning assets | 2.0533% | 3,855 |
| Net interest margin | 3.8760% | 3,156 |
| Noninterest income to average assets | 0.4891% | 4,416 |
| Noninterest expense to average assets | 2.7844% | 4,626 |
| Loan and lease loss provision to assets | 0.1630% | 4,850 |
| Net operating income to assets | 0.7256% | 3,441 |
| Return on assets (ROA) | 0.9368% | 2,689 |
| Pretax return on assets | 1.3064% | 2,261 |
| Return on Equity (ROE) | 9.3691% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,909 |
| Net charge-offs to loans | 0.2239% | 3,300 |
| Credit loss provision to net charge-offs | 120.9677% | 3,256 |
| Earnings coverage of net charge-offs (x) | 8.7258% | 2,155 |
| Efficiency ratio | 70.3074% | 4,510 |
| Assets per employee ($millions) | 3.5133% | 4,783 |
| Cash dividends to net income (ytd only)* | 17.4014% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,140 |
| Loan loss allowance to noncurrent loans | 174.4912% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 5,469 |
| Noncurrent loans to loans | 0.6577% | 5,760 |
| Net loans and leases to total assets | 61.8173% | 5,372 |
| Net loans and leases to deposits | 72.6658% | 5,659 |
| Net loans and leases to core deposits | 97.3629% | 4,811 |
| Total domestic deposits to total assets | 85.0707% | 3,163 |
| Equity capital to assets | 10.2736% | 3,678 |
| Core capital (leverage) ratio | 11.0409% | 2,470 |
| Tier 1 risk-based capital ratio | 14.5898% | 3,262 |
| Total risk-based capital ratio | 15.5623% | 3,346 |
| Memoranda: | ||
| Average total assets | $184,023,500 | 3,447 |
| Average earning assets | $164,808,000 | 3,497 |
| Average equity | $18,401,000 | 3,499 |
| Average total loans | $110,761,000 | 3,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6286% | 2,357 |
| Cost of funding earning assets | 2.5228% | 4,084 |
| Net interest margin | 4.1057% | 2,682 |
| Noninterest income to average assets | 0.5283% | 4,401 |
| Noninterest expense to average assets | 2.8413% | 4,637 |
| Loan and lease loss provision to assets | 0.1419% | 5,537 |
| Net operating income to assets | 0.8936% | 3,030 |
| Return on assets (ROA) | 0.7717% | 3,405 |
| Pretax return on assets | 1.0983% | 3,029 |
| Return on Equity (ROE) | 7.8283% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.1412% | 1,470 |
| Net charge-offs to loans | 0.1993% | 4,200 |
| Credit loss provision to net charge-offs | 120.1878% | 4,471 |
| Earnings coverage of net charge-offs (x) | 11.9765% | 2,310 |
| Efficiency ratio | 66.7665% | 4,955 |
| Assets per employee ($millions) | 3.7033% | 4,171 |
| Cash dividends to net income (ytd only)* | 21.5517% | 4,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 4,830 |
| Loan loss allowance to noncurrent loans | 208.0065% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4908% | 5,735 |
| Noncurrent loans to loans | 0.5590% | 5,689 |
| Net loans and leases to total assets | 57.2884% | 6,307 |
| Net loans and leases to deposits | 66.6909% | 6,594 |
| Net loans and leases to core deposits | 82.7299% | 6,398 |
| Total domestic deposits to total assets | 85.9013% | 2,446 |
| Equity capital to assets | 9.7390% | 4,380 |
| Core capital (leverage) ratio | 10.4008% | 3,072 |
| Tier 1 risk-based capital ratio | 14.3294% | 3,377 |
| Total risk-based capital ratio | 15.2926% | 3,447 |
| Memoranda: | ||
| Average total assets | $180,377,000 | 3,402 |
| Average earning assets | $163,746,000 | 3,419 |
| Average equity | $17,781,600 | 3,594 |
| Average total loans | $106,850,400 | 3,770 |