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 | 5.0963% | 2,937 |
| Cost of funding earning assets | 2.2052% | 1,429 |
| Net interest margin | 2.8911% | 3,571 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 2.1690% | 3,201 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.5553% | 3,450 |
| Return on assets (ROA) | 0.5945% | 3,373 |
| Pretax return on assets | 0.7615% | 3,273 |
| Return on Equity (ROE) | 7.2800% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.5641% | 2,954 |
| Net charge-offs to loans | -0.0027% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.8795% | 1,347 |
| Assets per employee ($millions) | 8.4252% | 1,339 |
| Cash dividends to net income (ytd only)* | 51.0121% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 4,021 |
| Loan loss allowance to noncurrent loans | 164.6766% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 1,561 |
| Noncurrent loans to loans | 0.4322% | 2,040 |
| Net loans and leases to total assets | 73.4500% | 1,407 |
| Net loans and leases to deposits | 81.4896% | 1,926 |
| Net loans and leases to core deposits | 108.9201% | 890 |
| Total domestic deposits to total assets | 90.1400% | 769 |
| Equity capital to assets | 8.4036% | 3,377 |
| Core capital (leverage) ratio | 9.4823% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2275% | 2,446 |
| Memoranda: | ||
| Average total assets | $830,994,000 | 1,202 |
| Average earning assets | $775,625,500 | 1,191 |
| Average equity | $67,898,500 | 1,397 |
| Average total loans | $596,037,000 | 1,159 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 2,972 |
| Cost of funding earning assets | 2.2478% | 1,632 |
| Net interest margin | 2.8204% | 3,455 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.0770% | 3,432 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5877% | 3,266 |
| Return on assets (ROA) | 0.5859% | 3,291 |
| Pretax return on assets | 0.7529% | 3,150 |
| Return on Equity (ROE) | 7.1200% | 2,987 |
| Retained earnings to average equity (ytd only) | 1.7273% | 3,473 |
| Net charge-offs to loans | 0.0250% | 2,074 |
| Credit loss provision to net charge-offs | 82.0144% | 2,112 |
| Earnings coverage of net charge-offs (x) | 45.1439% | 1,272 |
| Efficiency ratio | 72.8220% | 1,681 |
| Assets per employee ($millions) | 8.7086% | 1,175 |
| Cash dividends to net income (ytd only)* | 75.7314% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,018 |
| Loan loss allowance to noncurrent loans | 1,054.4554% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,502 |
| Noncurrent loans to loans | 0.0688% | 3,299 |
| Net loans and leases to total assets | 69.0400% | 2,013 |
| Net loans and leases to deposits | 76.7011% | 2,394 |
| Net loans and leases to core deposits | 107.0342% | 1,073 |
| Total domestic deposits to total assets | 90.0100% | 816 |
| Equity capital to assets | 7.9455% | 3,537 |
| Core capital (leverage) ratio | 9.1247% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3667% | 2,424 |
| Memoranda: | ||
| Average total assets | $810,948,200 | 1,205 |
| Average earning assets | $756,796,800 | 1,198 |
| Average equity | $66,751,800 | 1,371 |
| Average total loans | $556,620,800 | 1,197 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 3,033 |
| Cost of funding earning assets | 2.1912% | 1,754 |
| Net interest margin | 2.8098% | 3,439 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.0421% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6226% | 3,158 |
| Return on assets (ROA) | 0.6202% | 3,192 |
| Pretax return on assets | 0.8010% | 3,038 |
| Return on Equity (ROE) | 7.4700% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.9422% | 3,201 |
| Net charge-offs to loans | 0.0335% | 1,651 |
| Credit loss provision to net charge-offs | 31.8841% | 2,136 |
| Earnings coverage of net charge-offs (x) | 35.0652% | 1,417 |
| Efficiency ratio | 71.7163% | 1,818 |
| Assets per employee ($millions) | 8.3421% | 1,326 |
| Cash dividends to net income (ytd only)* | 60.5947% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,051 |
| Loan loss allowance to noncurrent loans | 1,037.3762% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 2,468 |
| Noncurrent loans to loans | 0.0701% | 3,344 |
| Net loans and leases to total assets | 70.0100% | 1,850 |
| Net loans and leases to deposits | 84.8134% | 1,750 |
| Net loans and leases to core deposits | 106.4556% | 1,115 |
| Total domestic deposits to total assets | 82.5400% | 2,969 |
| Equity capital to assets | 8.6129% | 3,319 |
| Core capital (leverage) ratio | 9.4203% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4869% | 2,407 |
| Memoranda: | ||
| Average total assets | $802,500,500 | 1,209 |
| Average earning assets | $748,778,750 | 1,206 |
| Average equity | $66,660,000 | 1,360 |
| Average total loans | $548,905,500 | 1,201 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 3,108 |
| Cost of funding earning assets | 2.0623% | 1,972 |
| Net interest margin | 2.8416% | 3,356 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.0687% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6297% | 3,114 |
| Return on assets (ROA) | 0.6222% | 3,169 |
| Pretax return on assets | 0.8015% | 2,991 |
| Return on Equity (ROE) | 7.5900% | 2,849 |
| Retained earnings to average equity (ytd only) | 2.5042% | 3,179 |
| Net charge-offs to loans | 0.0534% | 1,253 |
| Credit loss provision to net charge-offs | -40.9722% | 4,414 |
| Earnings coverage of net charge-offs (x) | 22.4583% | 1,566 |
| Efficiency ratio | 71.8018% | 1,886 |
| Assets per employee ($millions) | 8.2312% | 1,327 |
| Cash dividends to net income (ytd only)* | 66.9891% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,051 |
| Loan loss allowance to noncurrent loans | 1,010.3960% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,368 |
| Noncurrent loans to loans | 0.0734% | 3,294 |
| Net loans and leases to total assets | 68.3900% | 2,073 |
| Net loans and leases to deposits | 83.6968% | 1,866 |
| Net loans and leases to core deposits | 101.3509% | 1,398 |
| Total domestic deposits to total assets | 81.7100% | 3,146 |
| Equity capital to assets | 8.2999% | 3,227 |
| Core capital (leverage) ratio | 9.5758% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8787% | 2,296 |
| Memoranda: | ||
| Average total assets | $797,492,000 | 1,215 |
| Average earning assets | $744,013,333 | 1,211 |
| Average equity | $65,409,000 | 1,375 |
| Average total loans | $539,703,667 | 1,221 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,037 |
| Cost of funding earning assets | 2.0178% | 1,951 |
| Net interest margin | 2.8510% | 3,288 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.0717% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6560% | 2,991 |
| Return on assets (ROA) | 0.6544% | 3,020 |
| Pretax return on assets | 0.8441% | 2,820 |
| Return on Equity (ROE) | 8.0300% | 2,685 |
| Retained earnings to average equity (ytd only) | 4.3337% | 2,609 |
| Net charge-offs to loans | -0.0037% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.9666% | 2,046 |
| Assets per employee ($millions) | 7.9440% | 1,487 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 3,948 |
| Loan loss allowance to noncurrent loans | 659.2366% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 2,166 |
| Noncurrent loans to loans | 0.1210% | 3,005 |
| Net loans and leases to total assets | 67.6100% | 2,053 |
| Net loans and leases to deposits | 81.6995% | 1,912 |
| Net loans and leases to core deposits | 95.4193% | 1,679 |
| Total domestic deposits to total assets | 82.7500% | 3,036 |
| Equity capital to assets | 8.2034% | 3,235 |
| Core capital (leverage) ratio | 9.3862% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2174% | 2,171 |
| Memoranda: | ||
| Average total assets | $797,024,500 | 1,215 |
| Average earning assets | $744,590,500 | 1,213 |
| Average equity | $64,979,000 | 1,374 |
| Average total loans | $534,496,000 | 1,230 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 3,061 |
| Cost of funding earning assets | 1.3446% | 2,379 |
| Net interest margin | 3.1760% | 2,931 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.0616% | 3,495 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.9222% | 2,481 |
| Return on assets (ROA) | 0.9228% | 2,446 |
| Pretax return on assets | 1.2123% | 2,110 |
| Return on Equity (ROE) | 10.9200% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.3466% | 2,115 |
| Net charge-offs to loans | -0.0755% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.4593% | 2,550 |
| Assets per employee ($millions) | 8.5069% | 1,180 |
| Cash dividends to net income (ytd only)* | 41.8666% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 3,937 |
| Loan loss allowance to noncurrent loans | 654.1985% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,026 |
| Noncurrent loans to loans | 0.1241% | 2,897 |
| Net loans and leases to total assets | 65.4400% | 2,319 |
| Net loans and leases to deposits | 76.7222% | 2,376 |
| Net loans and leases to core deposits | 92.1536% | 1,891 |
| Total domestic deposits to total assets | 85.3000% | 2,210 |
| Equity capital to assets | 8.1023% | 3,349 |
| Core capital (leverage) ratio | 9.4151% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4516% | 2,084 |
| Memoranda: | ||
| Average total assets | $745,439,200 | 1,250 |
| Average earning assets | $692,690,800 | 1,247 |
| Average equity | $63,010,600 | 1,342 |
| Average total loans | $528,174,200 | 1,184 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 247,020.0000% | 5 |
| Cost of funding earning assets | -570.0000% | 4,640 |
| Net interest margin | 1.0000% | 4,559 |
| Noninterest income to average assets | 0.0117% | 4,533 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9659% | 2,458 |
| Pretax return on assets | 1.2880% | 2,077 |
| Return on Equity (ROE) | 11.3000% | 2,301 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 5.1583% | 4,589 |
| Assets per employee ($millions) | 0.0188% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 6.0000% | 19 |
| Noncurrent loans to loans | 0.0310% | 3,548 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 40,957.0000% | 9 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,425,000 | 4,610 |
| Average earning assets | $6,254 | 4,602 |
| Average equity | $62 | 4,567 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 75,604.0000% | 9 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 246,941.0000% | 9 |
| Cost of funding earning assets | -495.0000% | 4,663 |
| Net interest margin | 1.0000% | 4,597 |
| Noninterest income to average assets | 0.0008% | 4,589 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.0361% | 2,294 |
| Pretax return on assets | 1.3863% | 1,850 |
| Return on Equity (ROE) | 11.9100% | 2,179 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 3.4359% | 4,616 |
| Assets per employee ($millions) | 0.0195% | 4,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 12.0000% | 10 |
| Noncurrent loans to loans | 0.0102% | 3,711 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0003% | 4,545 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 21,392.0000% | 23 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,081,000 | 4,638 |
| Average earning assets | $6,228 | 4,625 |
| Average equity | $65 | 4,595 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2208% | 3,001 |
| Cost of funding earning assets | 0.7429% | 2,919 |
| Net interest margin | 3.4779% | 2,427 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0847% | 3,415 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 1.1193% | 2,166 |
| Return on assets (ROA) | 1.1215% | 2,126 |
| Pretax return on assets | 1.5037% | 1,665 |
| Return on Equity (ROE) | 12.8200% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.7235% | 1,533 |
| Net charge-offs to loans | -0.2865% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6467% | 2,869 |
| Assets per employee ($millions) | 7.7696% | 1,480 |
| Cash dividends to net income (ytd only)* | 16.3447% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 3,887 |
| Loan loss allowance to noncurrent loans | 711.1280% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 1,826 |
| Noncurrent loans to loans | 0.1248% | 2,892 |
| Net loans and leases to total assets | 72.0800% | 1,419 |
| Net loans and leases to deposits | 81.5177% | 1,704 |
| Net loans and leases to core deposits | 92.4192% | 1,482 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 8.9114% | 2,586 |
| Core capital (leverage) ratio | 9.9657% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1294% | 2,341 |
| Memoranda: | ||
| Average total assets | $720,105,500 | 1,285 |
| Average earning assets | $668,220,500 | 1,285 |
| Average equity | $63,002,000 | 1,348 |
| Average total loans | $523,492,000 | 1,188 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 1,875 |
| Cost of funding earning assets | 0.2214% | 3,584 |
| Net interest margin | 3.7238% | 1,329 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.2769% | 2,813 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0751% | 2,284 |
| Return on assets (ROA) | 1.0682% | 2,248 |
| Pretax return on assets | 1.4368% | 1,672 |
| Return on Equity (ROE) | 11.8700% | 2,186 |
| Retained earnings to average equity (ytd only) | 8.3168% | 1,718 |
| Net charge-offs to loans | -0.0050% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.0678% | 3,050 |
| Assets per employee ($millions) | 7.9738% | 1,334 |
| Cash dividends to net income (ytd only)* | 29.9307% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,037 |
| Loan loss allowance to noncurrent loans | 633.5878% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 1,840 |
| Noncurrent loans to loans | 0.1256% | 2,887 |
| Net loans and leases to total assets | 72.0900% | 1,409 |
| Net loans and leases to deposits | 82.7506% | 1,559 |
| Net loans and leases to core deposits | 88.7094% | 1,570 |
| Total domestic deposits to total assets | 87.1200% | 2,361 |
| Equity capital to assets | 8.5855% | 2,644 |
| Core capital (leverage) ratio | 9.8297% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9649% | 2,391 |
| Memoranda: | ||
| Average total assets | $716,241,000 | 1,291 |
| Average earning assets | $665,321,200 | 1,280 |
| Average equity | $64,460,000 | 1,330 |
| Average total loans | $499,874,200 | 1,178 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 1,545 |
| Cost of funding earning assets | 0.2029% | 3,231 |
| Net interest margin | 3.6715% | 1,215 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2565% | 2,772 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0351% | 2,340 |
| Return on assets (ROA) | 1.0258% | 2,356 |
| Pretax return on assets | 1.3765% | 1,791 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.8826% | 2,046 |
| Net charge-offs to loans | -0.0005% | 3,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5815% | 2,882 |
| Assets per employee ($millions) | 7.3950% | 1,680 |
| Cash dividends to net income (ytd only)* | 30.0472% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,202 |
| Loan loss allowance to noncurrent loans | 545.4148% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,878 |
| Noncurrent loans to loans | 0.1348% | 2,963 |
| Net loans and leases to total assets | 70.5100% | 1,440 |
| Net loans and leases to deposits | 78.8363% | 1,651 |
| Net loans and leases to core deposits | 84.1325% | 1,641 |
| Total domestic deposits to total assets | 89.4400% | 1,901 |
| Equity capital to assets | 8.3036% | 2,676 |
| Core capital (leverage) ratio | 9.7334% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8236% | 2,544 |
| Memoranda: | ||
| Average total assets | $715,891,500 | 1,300 |
| Average earning assets | $665,145,000 | 1,292 |
| Average equity | $65,171,750 | 1,329 |
| Average total loans | $494,468,000 | 1,185 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 1,259 |
| Cost of funding earning assets | 0.2055% | 2,846 |
| Net interest margin | 3.6207% | 1,039 |
| Noninterest income to average assets | 0.2801% | 3,489 |
| Noninterest expense to average assets | 2.2434% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0474% | 1,984 |
| Return on assets (ROA) | 1.0374% | 2,003 |
| Pretax return on assets | 1.3939% | 1,456 |
| Return on Equity (ROE) | 11.0708% | 1,957 |
| Retained earnings to average equity (ytd only) | 6.1335% | 2,288 |
| Net charge-offs to loans | 0.0008% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,515.5000% | 36 |
| Efficiency ratio | 61.4354% | 3,119 |
| Assets per employee ($millions) | 7.2450% | 1,774 |
| Cash dividends to net income (ytd only)* | 44.5971% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,271 |
| Loan loss allowance to noncurrent loans | 74.0711% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 590 |
| Noncurrent loans to loans | 0.9955% | 841 |
| Net loans and leases to total assets | 69.1646% | 1,381 |
| Net loans and leases to deposits | 77.6567% | 1,564 |
| Net loans and leases to core deposits | 83.0596% | 1,514 |
| Total domestic deposits to total assets | 89.0645% | 2,156 |
| Equity capital to assets | 8.7444% | 2,578 |
| Core capital (leverage) ratio | 9.5209% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8365% | 2,555 |
| Memoranda: | ||
| Average total assets | $715,417,333 | 1,298 |
| Average earning assets | $665,835,000 | 1,295 |
| Average equity | $67,041,333 | 1,325 |
| Average total loans | $489,453,333 | 1,190 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 990 |
| Cost of funding earning assets | 0.2108% | 2,659 |
| Net interest margin | 3.6470% | 826 |
| Noninterest income to average assets | 0.3158% | 3,206 |
| Noninterest expense to average assets | 2.2876% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0574% | 1,663 |
| Return on assets (ROA) | 1.0455% | 1,700 |
| Pretax return on assets | 1.4048% | 1,239 |
| Return on Equity (ROE) | 10.7999% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.0738% | 1,251 |
| Net charge-offs to loans | -0.0033% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6737% | 3,306 |
| Assets per employee ($millions) | 7.7272% | 1,533 |
| Cash dividends to net income (ytd only)* | 15.9830% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 4,316 |
| Loan loss allowance to noncurrent loans | 73.5952% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 619 |
| Noncurrent loans to loans | 1.0177% | 892 |
| Net loans and leases to total assets | 67.3778% | 1,274 |
| Net loans and leases to deposits | 76.0638% | 1,440 |
| Net loans and leases to core deposits | 80.9812% | 1,423 |
| Total domestic deposits to total assets | 88.5807% | 2,262 |
| Equity capital to assets | 9.3338% | 2,416 |
| Core capital (leverage) ratio | 9.5986% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0878% | 2,578 |
| Memoranda: | ||
| Average total assets | $718,120,500 | 1,296 |
| Average earning assets | $667,840,000 | 1,299 |
| Average equity | $69,519,000 | 1,339 |
| Average total loans | $486,818,000 | 1,182 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 1,572 |
| Cost of funding earning assets | 0.3179% | 2,219 |
| Net interest margin | 3.5964% | 1,478 |
| Noninterest income to average assets | 0.2853% | 3,683 |
| Noninterest expense to average assets | 2.1789% | 3,148 |
| Loan and lease loss provision to assets | 0.0469% | 2,120 |
| Net operating income to assets | 1.0434% | 2,507 |
| Return on assets (ROA) | 1.0427% | 2,586 |
| Pretax return on assets | 1.4091% | 2,023 |
| Return on Equity (ROE) | 10.4895% | 2,352 |
| Retained earnings to average equity (ytd only) | 8.8909% | 1,236 |
| Net charge-offs to loans | -0.0047% | 3,540 |
| Credit loss provision to net charge-offs | -1,375.0000% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8984% | 3,166 |
| Assets per employee ($millions) | 8.1547% | 1,247 |
| Cash dividends to net income (ytd only)* | 15.2399% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,344 |
| Loan loss allowance to noncurrent loans | 65.3887% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 602 |
| Noncurrent loans to loans | 1.1491% | 839 |
| Net loans and leases to total assets | 67.1861% | 1,350 |
| Net loans and leases to deposits | 76.5892% | 1,522 |
| Net loans and leases to core deposits | 82.3088% | 1,442 |
| Total domestic deposits to total assets | 87.7227% | 2,183 |
| Equity capital to assets | 10.0281% | 2,628 |
| Core capital (leverage) ratio | 9.2693% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2420% | 2,547 |
| Memoranda: | ||
| Average total assets | $703,564,400 | 1,280 |
| Average earning assets | $655,457,800 | 1,282 |
| Average equity | $69,936,600 | 1,345 |
| Average total loans | $512,030,600 | 1,141 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 1,666 |
| Cost of funding earning assets | 0.3390% | 2,211 |
| Net interest margin | 3.6009% | 1,596 |
| Noninterest income to average assets | 0.3139% | 3,545 |
| Noninterest expense to average assets | 2.1760% | 3,152 |
| Loan and lease loss provision to assets | 0.0819% | 1,444 |
| Net operating income to assets | 1.0562% | 2,709 |
| Return on assets (ROA) | 1.0561% | 2,779 |
| Pretax return on assets | 1.4124% | 2,285 |
| Return on Equity (ROE) | 10.6483% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.5014% | 1,876 |
| Net charge-offs to loans | -0.0046% | 3,412 |
| Credit loss provision to net charge-offs | -2,388.8889% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2518% | 3,094 |
| Assets per employee ($millions) | 7.7910% | 1,385 |
| Cash dividends to net income (ytd only)* | 20.1623% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 4,426 |
| Loan loss allowance to noncurrent loans | 70.2571% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 717 |
| Noncurrent loans to loans | 1.0631% | 1,070 |
| Net loans and leases to total assets | 69.4138% | 1,143 |
| Net loans and leases to deposits | 79.6800% | 1,321 |
| Net loans and leases to core deposits | 86.0367% | 1,295 |
| Total domestic deposits to total assets | 87.1157% | 2,310 |
| Equity capital to assets | 9.9397% | 2,959 |
| Core capital (leverage) ratio | 9.1685% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0765% | 2,684 |
| Memoranda: | ||
| Average total assets | $700,051,500 | 1,306 |
| Average earning assets | $652,568,250 | 1,303 |
| Average equity | $69,430,000 | 1,371 |
| Average total loans | $518,591,250 | 1,150 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9075% | 1,793 |
| Cost of funding earning assets | 0.3646% | 2,184 |
| Net interest margin | 3.5429% | 1,738 |
| Noninterest income to average assets | 0.3202% | 3,508 |
| Noninterest expense to average assets | 2.1873% | 3,132 |
| Loan and lease loss provision to assets | 0.0288% | 2,406 |
| Net operating income to assets | 1.0501% | 2,722 |
| Return on assets (ROA) | 1.0503% | 2,797 |
| Pretax return on assets | 1.4036% | 2,328 |
| Return on Equity (ROE) | 10.5979% | 2,557 |
| Retained earnings to average equity (ytd only) | 7.8663% | 2,120 |
| Net charge-offs to loans | -0.0031% | 3,292 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3994% | 2,960 |
| Assets per employee ($millions) | 7.6117% | 1,411 |
| Cash dividends to net income (ytd only)* | 25.7746% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 4,598 |
| Loan loss allowance to noncurrent loans | 77.0310% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 966 |
| Noncurrent loans to loans | 0.8464% | 1,456 |
| Net loans and leases to total assets | 73.2710% | 829 |
| Net loans and leases to deposits | 84.4184% | 1,035 |
| Net loans and leases to core deposits | 91.6878% | 1,028 |
| Total domestic deposits to total assets | 86.7952% | 2,430 |
| Equity capital to assets | 9.8543% | 3,002 |
| Core capital (leverage) ratio | 9.0038% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5800% | 2,838 |
| Memoranda: | ||
| Average total assets | $694,478,333 | 1,308 |
| Average earning assets | $646,698,333 | 1,309 |
| Average equity | $68,825,000 | 1,374 |
| Average total loans | $524,361,000 | 1,145 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 1,645 |
| Cost of funding earning assets | 0.3879% | 2,196 |
| Net interest margin | 3.5898% | 1,614 |
| Noninterest income to average assets | 0.3350% | 3,425 |
| Noninterest expense to average assets | 2.1699% | 3,201 |
| Loan and lease loss provision to assets | 0.0698% | 1,766 |
| Net operating income to assets | 1.0649% | 2,591 |
| Return on assets (ROA) | 1.0649% | 2,669 |
| Pretax return on assets | 1.4266% | 2,203 |
| Return on Equity (ROE) | 10.7140% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.7778% | 1,720 |
| Net charge-offs to loans | -0.0053% | 3,418 |
| Credit loss provision to net charge-offs | -1,714.2857% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1529% | 3,133 |
| Assets per employee ($millions) | 7.4165% | 1,504 |
| Cash dividends to net income (ytd only)* | 8.7384% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 4,631 |
| Loan loss allowance to noncurrent loans | 67.7285% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 909 |
| Noncurrent loans to loans | 0.9639% | 1,405 |
| Net loans and leases to total assets | 74.7220% | 743 |
| Net loans and leases to deposits | 86.0076% | 961 |
| Net loans and leases to core deposits | 94.2042% | 969 |
| Total domestic deposits to total assets | 86.8784% | 2,357 |
| Equity capital to assets | 9.8791% | 2,820 |
| Core capital (leverage) ratio | 9.1882% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5930% | 2,791 |
| Memoranda: | ||
| Average total assets | $687,775,500 | 1,306 |
| Average earning assets | $638,244,500 | 1,308 |
| Average equity | $68,359,000 | 1,374 |
| Average total loans | $525,502,500 | 1,147 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 1,940 |
| Cost of funding earning assets | 0.6745% | 1,852 |
| Net interest margin | 3.6012% | 2,138 |
| Noninterest income to average assets | 0.3973% | 3,105 |
| Noninterest expense to average assets | 3.2280% | 1,007 |
| Loan and lease loss provision to assets | 0.1214% | 2,849 |
| Net operating income to assets | 0.3421% | 4,370 |
| Return on assets (ROA) | 0.3437% | 4,434 |
| Pretax return on assets | 0.4448% | 4,358 |
| Return on Equity (ROE) | 3.4208% | 4,281 |
| Retained earnings to average equity (ytd only) | -13.0648% | 4,937 |
| Net charge-offs to loans | -0.0192% | 4,414 |
| Credit loss provision to net charge-offs | -801.2821% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1108% | 562 |
| Assets per employee ($millions) | 7.1411% | 1,485 |
| Cash dividends to net income (ytd only)* | 481.9209% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 4,693 |
| Loan loss allowance to noncurrent loans | 71.2187% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8903% | 1,121 |
| Noncurrent loans to loans | 0.8787% | 1,609 |
| Net loans and leases to total assets | 77.1464% | 681 |
| Net loans and leases to deposits | 90.8852% | 860 |
| Net loans and leases to core deposits | 100.4975% | 880 |
| Total domestic deposits to total assets | 84.8833% | 2,809 |
| Equity capital to assets | 10.0008% | 3,133 |
| Core capital (leverage) ratio | 9.0487% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6242% | 2,761 |
| Memoranda: | ||
| Average total assets | $515,031,400 | 1,504 |
| Average earning assets | $485,537,800 | 1,489 |
| Average equity | $51,742,000 | 1,639 |
| Average total loans | $407,141,000 | 1,337 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 2,311 |
| Cost of funding earning assets | 0.7551% | 1,706 |
| Net interest margin | 3.4737% | 2,679 |
| Noninterest income to average assets | 0.3861% | 3,151 |
| Noninterest expense to average assets | 3.0075% | 1,430 |
| Loan and lease loss provision to assets | 0.1335% | 2,686 |
| Net operating income to assets | 0.4166% | 4,229 |
| Return on assets (ROA) | 0.4195% | 4,290 |
| Pretax return on assets | 0.5483% | 4,195 |
| Return on Equity (ROE) | 4.1690% | 4,120 |
| Retained earnings to average equity (ytd only) | -19.6659% | 4,980 |
| Net charge-offs to loans | -0.0258% | 4,484 |
| Credit loss provision to net charge-offs | -650.6849% | 3,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5990% | 749 |
| Assets per employee ($millions) | 6.1858% | 2,101 |
| Cash dividends to net income (ytd only)* | 571.7158% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,372 |
| Loan loss allowance to noncurrent loans | 207.4637% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 2,916 |
| Noncurrent loans to loans | 0.3824% | 2,915 |
| Net loans and leases to total assets | 80.3723% | 578 |
| Net loans and leases to deposits | 91.7525% | 1,099 |
| Net loans and leases to core deposits | 102.9728% | 985 |
| Total domestic deposits to total assets | 87.5968% | 1,398 |
| Equity capital to assets | 8.6821% | 4,345 |
| Core capital (leverage) ratio | 8.4058% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0489% | 2,909 |
| Memoranda: | ||
| Average total assets | $474,188,250 | 1,607 |
| Average earning assets | $450,420,250 | 1,569 |
| Average equity | $47,716,000 | 1,751 |
| Average total loans | $377,261,250 | 1,421 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,610 |
| Cost of funding earning assets | 0.8211% | 1,723 |
| Net interest margin | 3.4277% | 3,013 |
| Noninterest income to average assets | 0.3784% | 3,211 |
| Noninterest expense to average assets | 2.7016% | 2,379 |
| Loan and lease loss provision to assets | 0.2024% | 2,029 |
| Net operating income to assets | 0.5666% | 3,839 |
| Return on assets (ROA) | 0.5710% | 3,906 |
| Pretax return on assets | 0.7333% | 3,786 |
| Return on Equity (ROE) | 5.4165% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.2741% | 3,281 |
| Net charge-offs to loans | -0.0367% | 4,599 |
| Credit loss provision to net charge-offs | -698.5294% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3870% | 1,427 |
| Assets per employee ($millions) | 6.3099% | 1,937 |
| Cash dividends to net income (ytd only)* | 39.5522% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,326 |
| Loan loss allowance to noncurrent loans | 1,161.4815% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,263 |
| Noncurrent loans to loans | 0.0695% | 4,188 |
| Net loans and leases to total assets | 76.3177% | 1,081 |
| Net loans and leases to deposits | 88.9752% | 1,453 |
| Net loans and leases to core deposits | 101.8345% | 1,125 |
| Total domestic deposits to total assets | 85.7741% | 2,105 |
| Equity capital to assets | 9.9643% | 3,240 |
| Core capital (leverage) ratio | 10.1081% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2216% | 2,094 |
| Memoranda: | ||
| Average total assets | $469,357,000 | 1,586 |
| Average earning assets | $445,484,667 | 1,557 |
| Average equity | $49,478,667 | 1,682 |
| Average total loans | $371,046,333 | 1,426 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 2,625 |
| Cost of funding earning assets | 0.8808% | 1,965 |
| Net interest margin | 3.5167% | 2,924 |
| Noninterest income to average assets | 0.2533% | 4,035 |
| Noninterest expense to average assets | 2.8536% | 2,263 |
| Loan and lease loss provision to assets | 0.1107% | 2,301 |
| Net operating income to assets | 0.4939% | 3,907 |
| Return on assets (ROA) | 0.4995% | 3,956 |
| Pretax return on assets | 0.6341% | 3,850 |
| Return on Equity (ROE) | 4.5977% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.5977% | 2,456 |
| Net charge-offs to loans | -0.0243% | 4,400 |
| Credit loss provision to net charge-offs | -568.1818% | 3,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4575% | 1,194 |
| Assets per employee ($millions) | 5.6120% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,503 |
| Loan loss allowance to noncurrent loans | 1,223.2143% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,358 |
| Noncurrent loans to loans | 0.0618% | 4,293 |
| Net loans and leases to total assets | 78.1865% | 948 |
| Net loans and leases to deposits | 91.8856% | 1,295 |
| Net loans and leases to core deposits | 107.5928% | 962 |
| Total domestic deposits to total assets | 85.0911% | 2,379 |
| Equity capital to assets | 10.7377% | 3,104 |
| Core capital (leverage) ratio | 10.9845% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0896% | 2,245 |
| Memoranda: | ||
| Average total assets | $451,640,500 | 1,604 |
| Average earning assets | $428,703,000 | 1,562 |
| Average equity | $49,068,500 | 1,688 |
| Average total loans | $362,379,500 | 1,413 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 2,756 |
| Cost of funding earning assets | 0.8971% | 2,200 |
| Net interest margin | 3.6600% | 2,927 |
| Noninterest income to average assets | 0.3392% | 3,680 |
| Noninterest expense to average assets | 2.7322% | 2,793 |
| Loan and lease loss provision to assets | 0.0093% | 3,825 |
| Net operating income to assets | 0.8327% | 3,441 |
| Return on assets (ROA) | 0.8356% | 3,520 |
| Pretax return on assets | 1.0749% | 3,245 |
| Return on Equity (ROE) | 7.7322% | 3,277 |
| Retained earnings to average equity (ytd only) | 6.6682% | 1,536 |
| Net charge-offs to loans | -0.0127% | 4,536 |
| Credit loss provision to net charge-offs | -90.9091% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6626% | 1,915 |
| Assets per employee ($millions) | 5.4036% | 2,146 |
| Cash dividends to net income (ytd only)* | 13.7597% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 4,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 81.1615% | 653 |
| Net loans and leases to deposits | 95.0328% | 1,046 |
| Net loans and leases to core deposits | 110.6985% | 815 |
| Total domestic deposits to total assets | 85.4037% | 2,347 |
| Equity capital to assets | 10.9962% | 3,003 |
| Core capital (leverage) ratio | 10.9409% | 2,550 |
| Tier 1 risk-based capital ratio | 13.1825% | 3,694 |
| Total risk-based capital ratio | 13.8847% | 3,876 |
| Memoranda: | ||
| Average total assets | $432,244,800 | 1,618 |
| Average earning assets | $410,218,400 | 1,586 |
| Average equity | $46,714,000 | 1,699 |
| Average total loans | $345,763,800 | 1,438 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 2,887 |
| Cost of funding earning assets | 0.8839% | 2,299 |
| Net interest margin | 3.6680% | 3,033 |
| Noninterest income to average assets | 0.3362% | 3,725 |
| Noninterest expense to average assets | 2.7207% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8561% | 3,497 |
| Return on assets (ROA) | 0.8608% | 3,558 |
| Pretax return on assets | 1.1032% | 3,287 |
| Return on Equity (ROE) | 8.0007% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.5667% | 2,077 |
| Net charge-offs to loans | -0.0144% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2602% | 1,928 |
| Assets per employee ($millions) | 5.5703% | 1,964 |
| Cash dividends to net income (ytd only)* | 17.9228% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 4,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 77.8599% | 1,168 |
| Net loans and leases to deposits | 90.5310% | 1,627 |
| Net loans and leases to core deposits | 107.5750% | 1,076 |
| Total domestic deposits to total assets | 86.0036% | 1,994 |
| Equity capital to assets | 10.9691% | 3,118 |
| Core capital (leverage) ratio | 11.0030% | 2,636 |
| Tier 1 risk-based capital ratio | 13.6399% | 3,510 |
| Total risk-based capital ratio | 14.3705% | 3,690 |
| Memoranda: | ||
| Average total assets | $429,531,500 | 1,639 |
| Average earning assets | $407,736,250 | 1,600 |
| Average equity | $46,211,500 | 1,713 |
| Average total loans | $341,650,250 | 1,466 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,905 |
| Cost of funding earning assets | 0.8603% | 2,352 |
| Net interest margin | 3.6736% | 3,016 |
| Noninterest income to average assets | 0.3253% | 3,765 |
| Noninterest expense to average assets | 2.7540% | 2,741 |
| Loan and lease loss provision to assets | 0.0061% | 3,608 |
| Net operating income to assets | 0.8302% | 3,543 |
| Return on assets (ROA) | 0.8357% | 3,580 |
| Pretax return on assets | 1.0573% | 3,360 |
| Return on Equity (ROE) | 7.8200% | 3,367 |
| Retained earnings to average equity (ytd only) | 5.6463% | 2,450 |
| Net charge-offs to loans | -0.0170% | 4,495 |
| Credit loss provision to net charge-offs | -44.8276% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2767% | 1,878 |
| Assets per employee ($millions) | 5.5278% | 1,936 |
| Cash dividends to net income (ytd only)* | 27.7964% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.1192% | 1,199 |
| Net loans and leases to deposits | 91.3021% | 1,587 |
| Net loans and leases to core deposits | 109.6789% | 993 |
| Total domestic deposits to total assets | 85.5612% | 2,238 |
| Equity capital to assets | 10.6692% | 3,366 |
| Core capital (leverage) ratio | 10.7582% | 2,831 |
| Tier 1 risk-based capital ratio | 13.1928% | 3,737 |
| Total risk-based capital ratio | 13.9159% | 3,932 |
| Memoranda: | ||
| Average total assets | $427,881,000 | 1,647 |
| Average earning assets | $405,920,670 | 1,609 |
| Average equity | $45,729,000 | 1,719 |
| Average total loans | $341,922,330 | 1,468 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,775 |
| Cost of funding earning assets | 0.8181% | 2,435 |
| Net interest margin | 3.7109% | 2,853 |
| Noninterest income to average assets | 0.3608% | 3,440 |
| Noninterest expense to average assets | 2.8517% | 2,410 |
| Loan and lease loss provision to assets | 0.0123% | 3,277 |
| Net operating income to assets | 0.7771% | 3,694 |
| Return on assets (ROA) | 0.7830% | 3,725 |
| Pretax return on assets | 1.0220% | 3,375 |
| Return on Equity (ROE) | 7.3205% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.3205% | 1,917 |
| Net charge-offs to loans | -0.0082% | 4,153 |
| Credit loss provision to net charge-offs | -185.7143% | 3,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5265% | 1,813 |
| Assets per employee ($millions) | 5.5715% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,665 |
| Loan loss allowance to noncurrent loans | 255.7128% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,487 |
| Noncurrent loans to loans | 0.2925% | 3,518 |
| Net loans and leases to total assets | 78.2187% | 1,115 |
| Net loans and leases to deposits | 91.5165% | 1,454 |
| Net loans and leases to core deposits | 109.9847% | 926 |
| Total domestic deposits to total assets | 85.4695% | 2,498 |
| Equity capital to assets | 10.6797% | 3,182 |
| Core capital (leverage) ratio | 10.9650% | 2,603 |
| Tier 1 risk-based capital ratio | 13.0709% | 3,843 |
| Total risk-based capital ratio | 13.7881% | 4,022 |
| Memoranda: | ||
| Average total assets | $423,473,000 | 1,668 |
| Average earning assets | $401,414,000 | 1,628 |
| Average equity | $45,297,500 | 1,724 |
| Average total loans | $341,036,000 | 1,477 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 2,285 |
| Cost of funding earning assets | 0.6428% | 2,443 |
| Net interest margin | 3.9096% | 2,298 |
| Noninterest income to average assets | 0.3331% | 3,880 |
| Noninterest expense to average assets | 2.7730% | 2,778 |
| Loan and lease loss provision to assets | 0.1154% | 1,912 |
| Net operating income to assets | 0.8803% | 3,494 |
| Return on assets (ROA) | 0.8782% | 3,497 |
| Pretax return on assets | 1.1464% | 3,112 |
| Return on Equity (ROE) | 8.4839% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.4349% | 1,492 |
| Net charge-offs to loans | 0.1242% | 1,497 |
| Credit loss provision to net charge-offs | 111.7647% | 2,313 |
| Earnings coverage of net charge-offs (x) | 12.2471% | 2,550 |
| Efficiency ratio | 68.6823% | 2,438 |
| Assets per employee ($millions) | 5.3583% | 2,100 |
| Cash dividends to net income (ytd only)* | 12.3651% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,734 |
| Loan loss allowance to noncurrent loans | 250.9000% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,421 |
| Noncurrent loans to loans | 0.2907% | 3,522 |
| Net loans and leases to total assets | 81.7033% | 697 |
| Net loans and leases to deposits | 95.8717% | 1,082 |
| Net loans and leases to core deposits | 112.2531% | 869 |
| Total domestic deposits to total assets | 85.2215% | 2,545 |
| Equity capital to assets | 10.7141% | 2,965 |
| Core capital (leverage) ratio | 10.8632% | 2,664 |
| Tier 1 risk-based capital ratio | 12.7960% | 3,969 |
| Total risk-based capital ratio | 13.5039% | 4,155 |
| Memoranda: | ||
| Average total assets | $411,645,800 | 1,663 |
| Average earning assets | $390,041,200 | 1,624 |
| Average equity | $42,610,000 | 1,753 |
| Average total loans | $342,249,200 | 1,429 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 2,238 |
| Cost of funding earning assets | 0.6113% | 2,396 |
| Net interest margin | 3.9069% | 2,274 |
| Noninterest income to average assets | 0.2965% | 4,165 |
| Noninterest expense to average assets | 2.8225% | 2,564 |
| Loan and lease loss provision to assets | 0.0081% | 3,815 |
| Net operating income to assets | 0.8941% | 3,563 |
| Return on assets (ROA) | 0.8902% | 3,582 |
| Pretax return on assets | 1.1617% | 3,154 |
| Return on Equity (ROE) | 8.6779% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.2611% | 1,999 |
| Net charge-offs to loans | -0.0737% | 5,071 |
| Credit loss provision to net charge-offs | -13.2275% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6117% | 2,103 |
| Assets per employee ($millions) | 5.2170% | 2,207 |
| Cash dividends to net income (ytd only)* | 16.3259% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,696 |
| Loan loss allowance to noncurrent loans | 155.1364% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 2,810 |
| Noncurrent loans to loans | 0.5007% | 2,889 |
| Net loans and leases to total assets | 82.8544% | 579 |
| Net loans and leases to deposits | 97.2980% | 1,015 |
| Net loans and leases to core deposits | 114.8420% | 769 |
| Total domestic deposits to total assets | 85.1553% | 2,546 |
| Equity capital to assets | 10.4573% | 3,182 |
| Core capital (leverage) ratio | 10.5614% | 3,015 |
| Tier 1 risk-based capital ratio | 12.2638% | 4,343 |
| Total risk-based capital ratio | 13.0110% | 4,524 |
| Memoranda: | ||
| Average total assets | $410,071,250 | 1,673 |
| Average earning assets | $388,432,000 | 1,638 |
| Average equity | $42,067,750 | 1,783 |
| Average total loans | $341,815,750 | 1,433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 2,235 |
| Cost of funding earning assets | 0.5758% | 2,391 |
| Net interest margin | 3.8820% | 2,271 |
| Noninterest income to average assets | 0.3117% | 4,088 |
| Noninterest expense to average assets | 2.8360% | 2,559 |
| Loan and lease loss provision to assets | 0.0611% | 2,682 |
| Net operating income to assets | 0.8411% | 3,715 |
| Return on assets (ROA) | 0.8369% | 3,735 |
| Pretax return on assets | 1.0851% | 3,371 |
| Return on Equity (ROE) | 8.2111% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.0684% | 2,518 |
| Net charge-offs to loans | -0.0868% | 5,119 |
| Credit loss provision to net charge-offs | -84.4595% | 4,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1223% | 2,143 |
| Assets per employee ($millions) | 5.2235% | 2,173 |
| Cash dividends to net income (ytd only)* | 26.0946% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 4,735 |
| Loan loss allowance to noncurrent loans | 156.7413% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 2,809 |
| Noncurrent loans to loans | 0.5010% | 2,914 |
| Net loans and leases to total assets | 83.6390% | 507 |
| Net loans and leases to deposits | 101.0023% | 736 |
| Net loans and leases to core deposits | 121.3932% | 532 |
| Total domestic deposits to total assets | 82.8090% | 3,469 |
| Equity capital to assets | 10.2163% | 3,430 |
| Core capital (leverage) ratio | 10.3459% | 3,187 |
| Tier 1 risk-based capital ratio | 11.8520% | 4,587 |
| Total risk-based capital ratio | 12.6078% | 4,767 |
| Memoranda: | ||
| Average total assets | $409,381,330 | 1,680 |
| Average earning assets | $387,638,670 | 1,646 |
| Average equity | $41,724,000 | 1,802 |
| Average total loans | $341,037,670 | 1,438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 2,163 |
| Cost of funding earning assets | 0.5556% | 2,353 |
| Net interest margin | 3.8558% | 2,209 |
| Noninterest income to average assets | 0.3316% | 3,935 |
| Noninterest expense to average assets | 2.8449% | 2,554 |
| Loan and lease loss provision to assets | 0.0491% | 2,799 |
| Net operating income to assets | 0.8311% | 3,590 |
| Return on assets (ROA) | 0.8319% | 3,600 |
| Pretax return on assets | 1.0879% | 3,214 |
| Return on Equity (ROE) | 8.1721% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,775 |
| Net charge-offs to loans | 0.0083% | 2,437 |
| Credit loss provision to net charge-offs | 714.2857% | 464 |
| Earnings coverage of net charge-offs (x) | 165.4286% | 391 |
| Efficiency ratio | 71.4638% | 2,269 |
| Assets per employee ($millions) | 5.2798% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,952 |
| Loan loss allowance to noncurrent loans | 111.1012% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 2,473 |
| Noncurrent loans to loans | 0.6625% | 2,566 |
| Net loans and leases to total assets | 81.9329% | 674 |
| Net loans and leases to deposits | 100.6605% | 663 |
| Net loans and leases to core deposits | 121.2668% | 548 |
| Total domestic deposits to total assets | 81.3953% | 4,116 |
| Equity capital to assets | 10.1543% | 3,446 |
| Core capital (leverage) ratio | 10.4208% | 3,040 |
| Tier 1 risk-based capital ratio | 11.8754% | 4,624 |
| Total risk-based capital ratio | 12.5757% | 4,856 |
| Memoranda: | ||
| Average total assets | $407,745,500 | 1,702 |
| Average earning assets | $385,910,500 | 1,670 |
| Average equity | $41,507,000 | 1,815 |
| Average total loans | $337,621,000 | 1,457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 1,872 |
| Cost of funding earning assets | 0.4580% | 2,698 |
| Net interest margin | 3.9944% | 1,771 |
| Noninterest income to average assets | 0.3339% | 4,076 |
| Noninterest expense to average assets | 2.8046% | 2,751 |
| Loan and lease loss provision to assets | 0.1035% | 2,158 |
| Net operating income to assets | 0.6804% | 3,680 |
| Return on assets (ROA) | 0.6804% | 3,733 |
| Pretax return on assets | 1.1860% | 2,821 |
| Return on Equity (ROE) | 6.7167% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.4701% | 1,831 |
| Net charge-offs to loans | 0.0982% | 2,097 |
| Credit loss provision to net charge-offs | 130.5732% | 2,013 |
| Earnings coverage of net charge-offs (x) | 16.2611% | 2,192 |
| Efficiency ratio | 68.5029% | 2,795 |
| Assets per employee ($millions) | 5.1097% | 2,353 |
| Cash dividends to net income (ytd only)* | 18.5598% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 4,995 |
| Loan loss allowance to noncurrent loans | 102.8010% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,349 |
| Noncurrent loans to loans | 0.7133% | 2,418 |
| Net loans and leases to total assets | 82.4595% | 618 |
| Net loans and leases to deposits | 103.6250% | 509 |
| Net loans and leases to core deposits | 119.6395% | 599 |
| Total domestic deposits to total assets | 79.5749% | 4,425 |
| Equity capital to assets | 10.2055% | 3,485 |
| Core capital (leverage) ratio | 10.3079% | 3,062 |
| Tier 1 risk-based capital ratio | 11.8427% | 4,629 |
| Total risk-based capital ratio | 12.5431% | 4,861 |
| Memoranda: | ||
| Average total assets | $395,955,200 | 1,717 |
| Average earning assets | $372,746,400 | 1,693 |
| Average equity | $40,109,200 | 1,857 |
| Average total loans | $319,792,200 | 1,485 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,840 |
| Cost of funding earning assets | 0.4466% | 2,746 |
| Net interest margin | 3.9899% | 1,732 |
| Noninterest income to average assets | 0.3824% | 3,799 |
| Noninterest expense to average assets | 2.8359% | 2,611 |
| Loan and lease loss provision to assets | 0.1184% | 1,830 |
| Net operating income to assets | 0.7854% | 3,581 |
| Return on assets (ROA) | 0.7854% | 3,635 |
| Pretax return on assets | 1.1799% | 2,987 |
| Return on Equity (ROE) | 7.7680% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.0946% | 2,174 |
| Net charge-offs to loans | -0.0013% | 4,287 |
| Credit loss provision to net charge-offs | -11,666.6667% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5955% | 2,766 |
| Assets per employee ($millions) | 5.2348% | 2,190 |
| Cash dividends to net income (ytd only)* | 21.5424% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,791 |
| Loan loss allowance to noncurrent loans | 53.0469% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3910% | 1,123 |
| Noncurrent loans to loans | 1.5832% | 1,171 |
| Net loans and leases to total assets | 80.6044% | 900 |
| Net loans and leases to deposits | 101.7841% | 629 |
| Net loans and leases to core deposits | 117.3773% | 693 |
| Total domestic deposits to total assets | 79.1916% | 4,500 |
| Equity capital to assets | 10.2235% | 3,671 |
| Core capital (leverage) ratio | 10.1861% | 3,330 |
| Tier 1 risk-based capital ratio | 11.9098% | 4,695 |
| Total risk-based capital ratio | 12.7018% | 4,880 |
| Memoranda: | ||
| Average total assets | $394,027,500 | 1,740 |
| Average earning assets | $370,528,750 | 1,718 |
| Average equity | $39,837,500 | 1,882 |
| Average total loans | $315,910,250 | 1,506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 1,853 |
| Cost of funding earning assets | 0.4323% | 2,781 |
| Net interest margin | 3.9564% | 1,751 |
| Noninterest income to average assets | 0.4155% | 3,598 |
| Noninterest expense to average assets | 2.8547% | 2,565 |
| Loan and lease loss provision to assets | 0.0637% | 2,696 |
| Net operating income to assets | 0.8071% | 3,364 |
| Return on assets (ROA) | 0.8071% | 3,419 |
| Pretax return on assets | 1.2160% | 2,717 |
| Return on Equity (ROE) | 8.0134% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,159 |
| Net charge-offs to loans | -0.0013% | 4,150 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0479% | 2,841 |
| Assets per employee ($millions) | 5.2022% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 5,046 |
| Loan loss allowance to noncurrent loans | 433.7979% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 4,145 |
| Noncurrent loans to loans | 0.1755% | 4,420 |
| Net loans and leases to total assets | 81.0140% | 812 |
| Net loans and leases to deposits | 101.7812% | 622 |
| Net loans and leases to core deposits | 118.5875% | 612 |
| Total domestic deposits to total assets | 79.5963% | 4,500 |
| Equity capital to assets | 10.0974% | 3,798 |
| Core capital (leverage) ratio | 10.2655% | 3,182 |
| Tier 1 risk-based capital ratio | 11.9602% | 4,658 |
| Total risk-based capital ratio | 12.6935% | 4,889 |
| Memoranda: | ||
| Average total assets | $392,754,000 | 1,749 |
| Average earning assets | $369,171,670 | 1,724 |
| Average equity | $39,558,670 | 1,888 |
| Average total loans | $313,414,000 | 1,518 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 1,764 |
| Cost of funding earning assets | 0.4236% | 2,780 |
| Net interest margin | 3.9432% | 1,630 |
| Noninterest income to average assets | 0.3065% | 4,372 |
| Noninterest expense to average assets | 2.8402% | 2,651 |
| Loan and lease loss provision to assets | 0.0514% | 2,782 |
| Net operating income to assets | 0.7437% | 3,502 |
| Return on assets (ROA) | 0.7437% | 3,557 |
| Pretax return on assets | 1.1110% | 2,934 |
| Return on Equity (ROE) | 7.3937% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.3937% | 1,697 |
| Net charge-offs to loans | -0.0013% | 3,975 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9586% | 2,747 |
| Assets per employee ($millions) | 5.3083% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,156 |
| Loan loss allowance to noncurrent loans | 176.0759% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 3,403 |
| Noncurrent loans to loans | 0.4357% | 3,532 |
| Net loans and leases to total assets | 78.4398% | 1,069 |
| Net loans and leases to deposits | 98.9421% | 687 |
| Net loans and leases to core deposits | 114.3188% | 657 |
| Total domestic deposits to total assets | 79.2785% | 4,773 |
| Equity capital to assets | 9.9160% | 3,856 |
| Core capital (leverage) ratio | 10.2927% | 3,123 |
| Tier 1 risk-based capital ratio | 12.0240% | 4,700 |
| Total risk-based capital ratio | 12.7543% | 4,928 |
| Memoranda: | ||
| Average total assets | $388,846,500 | 1,778 |
| Average earning assets | $364,477,500 | 1,754 |
| Average equity | $39,114,500 | 1,910 |
| Average total loans | $306,617,500 | 1,550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,446 |
| Cost of funding earning assets | 0.3973% | 3,023 |
| Net interest margin | 4.1346% | 1,289 |
| Noninterest income to average assets | 0.4010% | 3,877 |
| Noninterest expense to average assets | 2.9472% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8694% | 2,983 |
| Return on assets (ROA) | 0.8694% | 3,094 |
| Pretax return on assets | 1.3226% | 2,204 |
| Return on Equity (ROE) | 8.3302% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.0066% | 2,343 |
| Net charge-offs to loans | 0.0773% | 2,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.7682% | 1,768 |
| Efficiency ratio | 69.0233% | 3,070 |
| Assets per employee ($millions) | 4.9864% | 2,410 |
| Cash dividends to net income (ytd only)* | 39.8983% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7915% | 5,129 |
| Loan loss allowance to noncurrent loans | 151.1836% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 3,178 |
| Noncurrent loans to loans | 0.5236% | 3,281 |
| Net loans and leases to total assets | 78.1516% | 1,182 |
| Net loans and leases to deposits | 97.8292% | 840 |
| Net loans and leases to core deposits | 109.7954% | 917 |
| Total domestic deposits to total assets | 79.8857% | 4,597 |
| Equity capital to assets | 10.0670% | 3,654 |
| Core capital (leverage) ratio | 10.2291% | 3,194 |
| Tier 1 risk-based capital ratio | 12.2627% | 4,530 |
| Total risk-based capital ratio | 13.0169% | 4,785 |
| Memoranda: | ||
| Average total assets | $362,077,200 | 1,844 |
| Average earning assets | $338,801,200 | 1,835 |
| Average equity | $37,790,400 | 1,935 |
| Average total loans | $284,496,200 | 1,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,465 |
| Cost of funding earning assets | 0.3891% | 3,136 |
| Net interest margin | 4.1357% | 1,290 |
| Noninterest income to average assets | 0.4184% | 3,792 |
| Noninterest expense to average assets | 2.6181% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0779% | 2,089 |
| Return on assets (ROA) | 1.0779% | 2,195 |
| Pretax return on assets | 1.6692% | 1,199 |
| Return on Equity (ROE) | 10.2313% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.2508% | 1,065 |
| Net charge-offs to loans | 0.0214% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 99.5530% | 662 |
| Efficiency ratio | 61.0672% | 4,379 |
| Assets per employee ($millions) | 4.8053% | 2,606 |
| Cash dividends to net income (ytd only)* | 19.3571% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 5,017 |
| Loan loss allowance to noncurrent loans | 123.4436% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 2,863 |
| Noncurrent loans to loans | 0.6934% | 2,948 |
| Net loans and leases to total assets | 79.4496% | 976 |
| Net loans and leases to deposits | 102.9372% | 508 |
| Net loans and leases to core deposits | 114.1432% | 715 |
| Total domestic deposits to total assets | 77.1827% | 5,049 |
| Equity capital to assets | 10.5614% | 3,499 |
| Core capital (leverage) ratio | 10.6001% | 2,876 |
| Tier 1 risk-based capital ratio | 12.5452% | 4,445 |
| Total risk-based capital ratio | 13.3646% | 4,628 |
| Memoranda: | ||
| Average total assets | $357,854,000 | 1,872 |
| Average earning assets | $334,765,000 | 1,856 |
| Average equity | $37,700,250 | 1,951 |
| Average total loans | $280,986,750 | 1,612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,400 |
| Cost of funding earning assets | 0.3850% | 3,210 |
| Net interest margin | 4.1583% | 1,207 |
| Noninterest income to average assets | 0.3821% | 4,007 |
| Noninterest expense to average assets | 2.6444% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0475% | 2,196 |
| Return on assets (ROA) | 1.0475% | 2,320 |
| Pretax return on assets | 1.6212% | 1,304 |
| Return on Equity (ROE) | 9.9514% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.9440% | 1,633 |
| Net charge-offs to loans | -0.0399% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9931% | 4,353 |
| Assets per employee ($millions) | 4.9775% | 2,322 |
| Cash dividends to net income (ytd only)* | 30.2213% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,909 |
| Loan loss allowance to noncurrent loans | 112.9281% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7626% | 2,699 |
| Noncurrent loans to loans | 0.8092% | 2,727 |
| Net loans and leases to total assets | 77.6626% | 1,245 |
| Net loans and leases to deposits | 99.4531% | 738 |
| Net loans and leases to core deposits | 109.9932% | 934 |
| Total domestic deposits to total assets | 78.0897% | 4,983 |
| Equity capital to assets | 10.3398% | 3,809 |
| Core capital (leverage) ratio | 10.5676% | 2,885 |
| Tier 1 risk-based capital ratio | 12.4133% | 4,586 |
| Total risk-based capital ratio | 13.2789% | 4,719 |
| Memoranda: | ||
| Average total assets | $353,802,670 | 1,890 |
| Average earning assets | $330,424,000 | 1,876 |
| Average equity | $37,241,000 | 1,982 |
| Average total loans | $275,813,000 | 1,639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 1,114 |
| Cost of funding earning assets | 0.3897% | 3,191 |
| Net interest margin | 4.2771% | 961 |
| Noninterest income to average assets | 0.3867% | 3,932 |
| Noninterest expense to average assets | 2.7010% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0804% | 1,983 |
| Return on assets (ROA) | 1.0804% | 2,087 |
| Pretax return on assets | 1.6760% | 1,122 |
| Return on Equity (ROE) | 10.1687% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.1687% | 814 |
| Net charge-offs to loans | -0.0817% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7089% | 4,483 |
| Assets per employee ($millions) | 4.6369% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,695 |
| Loan loss allowance to noncurrent loans | 269.1837% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 3,922 |
| Noncurrent loans to loans | 0.3658% | 4,124 |
| Net loans and leases to total assets | 76.2794% | 1,348 |
| Net loans and leases to deposits | 96.0445% | 941 |
| Net loans and leases to core deposits | 104.7566% | 1,148 |
| Total domestic deposits to total assets | 79.4209% | 4,875 |
| Equity capital to assets | 10.7587% | 3,198 |
| Core capital (leverage) ratio | 10.8245% | 2,598 |
| Tier 1 risk-based capital ratio | 13.1219% | 4,180 |
| Total risk-based capital ratio | 14.0509% | 4,308 |
| Memoranda: | ||
| Average total assets | $346,537,500 | 1,936 |
| Average earning assets | $323,306,000 | 1,919 |
| Average equity | $36,819,000 | 1,998 |
| Average total loans | $269,372,000 | 1,671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 1,007 |
| Cost of funding earning assets | 0.3841% | 3,329 |
| Net interest margin | 4.3661% | 850 |
| Noninterest income to average assets | 0.5946% | 2,744 |
| Noninterest expense to average assets | 2.6105% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2828% | 1,310 |
| Return on assets (ROA) | 1.2817% | 1,353 |
| Pretax return on assets | 2.0414% | 496 |
| Return on Equity (ROE) | 12.3622% | 1,218 |
| Retained earnings to average equity (ytd only) | 9.3325% | 578 |
| Net charge-offs to loans | 0.0726% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 34.5381% | 1,311 |
| Efficiency ratio | 56.0947% | 5,336 |
| Assets per employee ($millions) | 4.7303% | 2,691 |
| Cash dividends to net income (ytd only)* | 24.5080% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,848 |
| Loan loss allowance to noncurrent loans | 270.1883% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 3,943 |
| Noncurrent loans to loans | 0.3530% | 4,199 |
| Net loans and leases to total assets | 77.6838% | 1,167 |
| Net loans and leases to deposits | 97.1941% | 889 |
| Net loans and leases to core deposits | 105.7626% | 1,110 |
| Total domestic deposits to total assets | 79.9264% | 4,761 |
| Equity capital to assets | 10.4900% | 3,377 |
| Core capital (leverage) ratio | 10.6357% | 2,791 |
| Tier 1 risk-based capital ratio | 12.7796% | 4,466 |
| Total risk-based capital ratio | 13.6883% | 4,567 |
| Memoranda: | ||
| Average total assets | $333,004,200 | 1,976 |
| Average earning assets | $309,592,200 | 1,963 |
| Average equity | $34,524,600 | 2,066 |
| Average total loans | $271,323,600 | 1,608 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 979 |
| Cost of funding earning assets | 0.3809% | 3,426 |
| Net interest margin | 4.3915% | 813 |
| Noninterest income to average assets | 0.6143% | 2,666 |
| Noninterest expense to average assets | 2.6062% | 3,856 |
| Loan and lease loss provision to assets | 0.0061% | 4,142 |
| Net operating income to assets | 1.2859% | 1,378 |
| Return on assets (ROA) | 1.2879% | 1,427 |
| Pretax return on assets | 2.0869% | 516 |
| Return on Equity (ROE) | 12.4611% | 1,248 |
| Retained earnings to average equity (ytd only) | 10.4865% | 555 |
| Net charge-offs to loans | -0.0015% | 4,678 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4991% | 5,408 |
| Assets per employee ($millions) | 4.5873% | 2,856 |
| Cash dividends to net income (ytd only)* | 15.8457% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 5,216 |
| Loan loss allowance to noncurrent loans | 255.2332% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 4,061 |
| Noncurrent loans to loans | 0.3507% | 4,357 |
| Net loans and leases to total assets | 81.4221% | 654 |
| Net loans and leases to deposits | 101.8212% | 557 |
| Net loans and leases to core deposits | 111.0372% | 816 |
| Total domestic deposits to total assets | 79.9657% | 4,762 |
| Equity capital to assets | 10.6526% | 3,408 |
| Core capital (leverage) ratio | 10.7360% | 2,783 |
| Tier 1 risk-based capital ratio | 12.6451% | 4,652 |
| Total risk-based capital ratio | 13.6394% | 4,737 |
| Memoranda: | ||
| Average total assets | $329,927,750 | 2,004 |
| Average earning assets | $306,648,000 | 2,000 |
| Average equity | $34,100,000 | 2,100 |
| Average total loans | $271,446,250 | 1,620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 909 |
| Cost of funding earning assets | 0.3764% | 3,537 |
| Net interest margin | 4.4124% | 744 |
| Noninterest income to average assets | 0.4173% | 3,945 |
| Noninterest expense to average assets | 2.6222% | 3,842 |
| Loan and lease loss provision to assets | 0.0091% | 3,926 |
| Net operating income to assets | 1.1886% | 1,637 |
| Return on assets (ROA) | 1.1886% | 1,705 |
| Pretax return on assets | 1.8783% | 765 |
| Return on Equity (ROE) | 11.6215% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.6134% | 1,038 |
| Net charge-offs to loans | -0.0022% | 4,598 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1464% | 5,205 |
| Assets per employee ($millions) | 4.7108% | 2,661 |
| Cash dividends to net income (ytd only)* | 25.8842% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 5,307 |
| Loan loss allowance to noncurrent loans | 239.8247% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 3,645 |
| Noncurrent loans to loans | 0.3743% | 4,369 |
| Net loans and leases to total assets | 81.3051% | 635 |
| Net loans and leases to deposits | 101.2929% | 581 |
| Net loans and leases to core deposits | 111.2694% | 771 |
| Total domestic deposits to total assets | 80.2674% | 4,802 |
| Equity capital to assets | 10.2572% | 3,743 |
| Core capital (leverage) ratio | 10.4219% | 3,059 |
| Tier 1 risk-based capital ratio | 12.1485% | 5,041 |
| Total risk-based capital ratio | 13.1382% | 5,122 |
| Memoranda: | ||
| Average total assets | $328,278,330 | 2,027 |
| Average earning assets | $304,458,000 | 2,023 |
| Average equity | $33,575,670 | 2,131 |
| Average total loans | $270,219,670 | 1,627 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 862 |
| Cost of funding earning assets | 0.3768% | 3,577 |
| Net interest margin | 4.4245% | 695 |
| Noninterest income to average assets | 0.3813% | 4,154 |
| Noninterest expense to average assets | 2.6606% | 3,718 |
| Loan and lease loss provision to assets | 0.0185% | 3,476 |
| Net operating income to assets | 1.1415% | 1,724 |
| Return on assets (ROA) | 1.1415% | 1,831 |
| Pretax return on assets | 1.8045% | 861 |
| Return on Equity (ROE) | 11.1774% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.1774% | 690 |
| Net charge-offs to loans | -0.0030% | 4,392 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3416% | 5,175 |
| Assets per employee ($millions) | 4.7476% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 4,809 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.8232% | 482 |
| Net loans and leases to deposits | 101.8896% | 463 |
| Net loans and leases to core deposits | 111.9091% | 661 |
| Total domestic deposits to total assets | 80.3057% | 4,990 |
| Equity capital to assets | 10.2930% | 3,783 |
| Core capital (leverage) ratio | 10.3811% | 3,118 |
| Tier 1 risk-based capital ratio | 12.0062% | 5,229 |
| Total risk-based capital ratio | 13.0046% | 5,309 |
| Memoranda: | ||
| Average total assets | $325,184,500 | 2,047 |
| Average earning assets | $301,504,500 | 2,042 |
| Average equity | $33,210,000 | 2,163 |
| Average total loans | $268,129,000 | 1,638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 881 |
| Cost of funding earning assets | 0.4046% | 3,651 |
| Net interest margin | 4.5213% | 715 |
| Noninterest income to average assets | 0.3838% | 4,305 |
| Noninterest expense to average assets | 2.7037% | 3,850 |
| Loan and lease loss provision to assets | 0.0399% | 3,777 |
| Net operating income to assets | 1.1423% | 1,806 |
| Return on assets (ROA) | 1.1489% | 1,842 |
| Pretax return on assets | 1.8062% | 782 |
| Return on Equity (ROE) | 11.5134% | 1,549 |
| Retained earnings to average equity (ytd only) | 8.4466% | 852 |
| Net charge-offs to loans | -0.0114% | 5,584 |
| Credit loss provision to net charge-offs | -427.5862% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5596% | 5,279 |
| Assets per employee ($millions) | 4.4832% | 3,069 |
| Cash dividends to net income (ytd only)* | 26.6368% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 4,862 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 81.3673% | 587 |
| Net loans and leases to deposits | 100.5401% | 594 |
| Net loans and leases to core deposits | 109.2211% | 815 |
| Total domestic deposits to total assets | 80.9301% | 4,764 |
| Equity capital to assets | 10.1311% | 3,946 |
| Core capital (leverage) ratio | 10.1579% | 3,361 |
| Tier 1 risk-based capital ratio | 12.1735% | 5,250 |
| Total risk-based capital ratio | 13.2081% | 5,292 |
| Memoranda: | ||
| Average total assets | $311,089,600 | 2,088 |
| Average earning assets | $285,933,400 | 2,088 |
| Average equity | $31,042,200 | 2,219 |
| Average total loans | $253,778,000 | 1,671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 860 |
| Cost of funding earning assets | 0.4088% | 3,693 |
| Net interest margin | 4.5291% | 700 |
| Noninterest income to average assets | 0.3773% | 4,419 |
| Noninterest expense to average assets | 2.7288% | 3,720 |
| Loan and lease loss provision to assets | 0.0277% | 3,852 |
| Net operating income to assets | 1.1312% | 1,927 |
| Return on assets (ROA) | 1.1401% | 1,961 |
| Pretax return on assets | 1.7908% | 911 |
| Return on Equity (ROE) | 11.4710% | 1,637 |
| Retained earnings to average equity (ytd only) | 9.4423% | 859 |
| Net charge-offs to loans | -0.0165% | 5,561 |
| Credit loss provision to net charge-offs | -206.4516% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1928% | 5,150 |
| Assets per employee ($millions) | 4.4715% | 3,021 |
| Cash dividends to net income (ytd only)* | 17.6850% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,959 |
| Loan loss allowance to noncurrent loans | 136,100.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 5,075 |
| Noncurrent loans to loans | 0.0008% | 6,057 |
| Net loans and leases to total assets | 80.3096% | 684 |
| Net loans and leases to deposits | 100.0224% | 614 |
| Net loans and leases to core deposits | 109.6582% | 758 |
| Total domestic deposits to total assets | 80.2916% | 5,018 |
| Equity capital to assets | 10.0575% | 4,098 |
| Core capital (leverage) ratio | 10.2076% | 3,402 |
| Tier 1 risk-based capital ratio | 12.3774% | 5,246 |
| Total risk-based capital ratio | 13.4280% | 5,300 |
| Memoranda: | ||
| Average total assets | $308,165,250 | 2,121 |
| Average earning assets | $282,789,000 | 2,122 |
| Average equity | $30,627,250 | 2,252 |
| Average total loans | $250,866,750 | 1,694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 813 |
| Cost of funding earning assets | 0.4098% | 3,775 |
| Net interest margin | 4.5432% | 644 |
| Noninterest income to average assets | 0.3927% | 4,292 |
| Noninterest expense to average assets | 2.7555% | 3,679 |
| Loan and lease loss provision to assets | 0.0420% | 3,481 |
| Net operating income to assets | 1.1279% | 1,825 |
| Return on assets (ROA) | 1.1296% | 1,912 |
| Pretax return on assets | 1.7695% | 898 |
| Return on Equity (ROE) | 11.4132% | 1,595 |
| Retained earnings to average equity (ytd only) | 8.3264% | 1,199 |
| Net charge-offs to loans | -0.0241% | 5,604 |
| Credit loss provision to net charge-offs | -213.3333% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3706% | 5,236 |
| Assets per employee ($millions) | 4.2202% | 3,421 |
| Cash dividends to net income (ytd only)* | 27.0459% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 5,088 |
| Loan loss allowance to noncurrent loans | 2,694.0594% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 4,910 |
| Noncurrent loans to loans | 0.0392% | 5,937 |
| Net loans and leases to total assets | 81.6295% | 500 |
| Net loans and leases to deposits | 101.0789% | 501 |
| Net loans and leases to core deposits | 111.5480% | 627 |
| Total domestic deposits to total assets | 80.7582% | 5,051 |
| Equity capital to assets | 9.9307% | 4,201 |
| Core capital (leverage) ratio | 10.0588% | 3,523 |
| Tier 1 risk-based capital ratio | 12.0014% | 5,538 |
| Total risk-based capital ratio | 13.0496% | 5,576 |
| Memoranda: | ||
| Average total assets | $305,062,330 | 2,138 |
| Average earning assets | $280,114,000 | 2,141 |
| Average equity | $30,193,000 | 2,267 |
| Average total loans | $248,594,330 | 1,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 921 |
| Cost of funding earning assets | 0.4068% | 3,881 |
| Net interest margin | 4.4573% | 717 |
| Noninterest income to average assets | 0.4326% | 3,932 |
| Noninterest expense to average assets | 2.8025% | 3,555 |
| Loan and lease loss provision to assets | 0.0186% | 3,588 |
| Net operating income to assets | 1.0940% | 1,838 |
| Return on assets (ROA) | 1.0974% | 1,890 |
| Pretax return on assets | 1.7025% | 971 |
| Return on Equity (ROE) | 11.1070% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.1070% | 724 |
| Net charge-offs to loans | -0.0442% | 5,755 |
| Credit loss provision to net charge-offs | -51.8519% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0264% | 5,114 |
| Assets per employee ($millions) | 4.0426% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,131 |
| Loan loss allowance to noncurrent loans | 264.6825% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 4,012 |
| Noncurrent loans to loans | 0.4146% | 4,892 |
| Net loans and leases to total assets | 79.3028% | 625 |
| Net loans and leases to deposits | 99.8663% | 441 |
| Net loans and leases to core deposits | 108.7003% | 642 |
| Total domestic deposits to total assets | 79.4090% | 5,610 |
| Equity capital to assets | 9.9794% | 3,865 |
| Core capital (leverage) ratio | 10.2006% | 3,293 |
| Tier 1 risk-based capital ratio | 12.2281% | 5,486 |
| Total risk-based capital ratio | 13.2960% | 5,547 |
| Memoranda: | ||
| Average total assets | $301,446,500 | 2,171 |
| Average earning assets | $276,311,000 | 2,175 |
| Average equity | $29,783,000 | 2,283 |
| Average total loans | $244,069,000 | 1,729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 775 |
| Cost of funding earning assets | 0.4761% | 3,854 |
| Net interest margin | 4.6140% | 597 |
| Noninterest income to average assets | 0.4723% | 3,943 |
| Noninterest expense to average assets | 2.9146% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1389% | 1,800 |
| Return on assets (ROA) | 1.1554% | 1,800 |
| Pretax return on assets | 1.8066% | 748 |
| Return on Equity (ROE) | 11.5178% | 1,586 |
| Retained earnings to average equity (ytd only) | 8.4803% | 913 |
| Net charge-offs to loans | 0.0239% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 93.0741% | 486 |
| Efficiency ratio | 62.0736% | 5,197 |
| Assets per employee ($millions) | 3.9960% | 3,873 |
| Cash dividends to net income (ytd only)* | 26.3723% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,269 |
| Loan loss allowance to noncurrent loans | 221.8750% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 3,954 |
| Noncurrent loans to loans | 0.4832% | 4,787 |
| Net loans and leases to total assets | 80.8817% | 504 |
| Net loans and leases to deposits | 101.2946% | 427 |
| Net loans and leases to core deposits | 109.5118% | 630 |
| Total domestic deposits to total assets | 79.8480% | 5,480 |
| Equity capital to assets | 9.7795% | 4,062 |
| Core capital (leverage) ratio | 10.0010% | 3,579 |
| Tier 1 risk-based capital ratio | 11.8463% | 5,710 |
| Total risk-based capital ratio | 12.8933% | 5,766 |
| Memoranda: | ||
| Average total assets | $282,235,200 | 2,253 |
| Average earning assets | $258,322,200 | 2,260 |
| Average equity | $28,312,600 | 2,356 |
| Average total loans | $225,605,000 | 1,814 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 743 |
| Cost of funding earning assets | 0.4966% | 3,801 |
| Net interest margin | 4.6246% | 590 |
| Noninterest income to average assets | 0.5748% | 3,302 |
| Noninterest expense to average assets | 2.9927% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1517% | 1,804 |
| Return on assets (ROA) | 1.1741% | 1,795 |
| Pretax return on assets | 1.8358% | 831 |
| Return on Equity (ROE) | 11.6257% | 1,611 |
| Retained earnings to average equity (ytd only) | 9.6635% | 872 |
| Net charge-offs to loans | 0.0344% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 65.8404% | 696 |
| Efficiency ratio | 62.4324% | 5,073 |
| Assets per employee ($millions) | 3.8855% | 4,057 |
| Cash dividends to net income (ytd only)* | 16.8777% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,289 |
| Loan loss allowance to noncurrent loans | 463.6042% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 4,717 |
| Noncurrent loans to loans | 0.2393% | 5,641 |
| Net loans and leases to total assets | 80.2763% | 520 |
| Net loans and leases to deposits | 101.8402% | 390 |
| Net loans and leases to core deposits | 111.9371% | 509 |
| Total domestic deposits to total assets | 78.8258% | 5,780 |
| Equity capital to assets | 9.9262% | 4,012 |
| Core capital (leverage) ratio | 10.2572% | 3,311 |
| Tier 1 risk-based capital ratio | 12.0306% | 5,761 |
| Total risk-based capital ratio | 13.1122% | 5,813 |
| Memoranda: | ||
| Average total assets | $277,869,750 | 2,297 |
| Average earning assets | $253,476,250 | 2,307 |
| Average equity | $28,063,500 | 2,405 |
| Average total loans | $220,749,500 | 1,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 703 |
| Cost of funding earning assets | 0.5246% | 3,657 |
| Net interest margin | 4.6200% | 581 |
| Noninterest income to average assets | 0.6438% | 2,944 |
| Noninterest expense to average assets | 3.0890% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1350% | 1,791 |
| Return on assets (ROA) | 1.1692% | 1,781 |
| Pretax return on assets | 1.8225% | 891 |
| Return on Equity (ROE) | 11.5063% | 1,635 |
| Retained earnings to average equity (ytd only) | 8.5325% | 1,276 |
| Net charge-offs to loans | 0.0566% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 39.6393% | 933 |
| Efficiency ratio | 63.5843% | 4,924 |
| Assets per employee ($millions) | 3.7214% | 4,368 |
| Cash dividends to net income (ytd only)* | 25.8448% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 4,920 |
| Loan loss allowance to noncurrent loans | 185.4211% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 3,949 |
| Noncurrent loans to loans | 0.6539% | 4,635 |
| Net loans and leases to total assets | 77.5139% | 801 |
| Net loans and leases to deposits | 95.8101% | 690 |
| Net loans and leases to core deposits | 102.8069% | 897 |
| Total domestic deposits to total assets | 80.9038% | 5,369 |
| Equity capital to assets | 10.2308% | 3,623 |
| Core capital (leverage) ratio | 10.2815% | 3,121 |
| Tier 1 risk-based capital ratio | 12.9560% | 5,173 |
| Total risk-based capital ratio | 14.1538% | 5,152 |
| Memoranda: | ||
| Average total assets | $273,356,000 | 2,337 |
| Average earning assets | $249,351,670 | 2,350 |
| Average equity | $27,776,000 | 2,436 |
| Average total loans | $215,480,000 | 1,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 600 |
| Cost of funding earning assets | 0.5390% | 3,683 |
| Net interest margin | 4.6631% | 510 |
| Noninterest income to average assets | 0.5919% | 3,183 |
| Noninterest expense to average assets | 3.0021% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1798% | 1,584 |
| Return on assets (ROA) | 1.2484% | 1,502 |
| Pretax return on assets | 1.9534% | 653 |
| Return on Equity (ROE) | 12.3291% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.3291% | 653 |
| Net charge-offs to loans | -0.0037% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9206% | 5,311 |
| Assets per employee ($millions) | 3.7362% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,867 |
| Loan loss allowance to noncurrent loans | 179.4649% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 3,790 |
| Noncurrent loans to loans | 0.7054% | 4,717 |
| Net loans and leases to total assets | 77.7911% | 637 |
| Net loans and leases to deposits | 95.5011% | 568 |
| Net loans and leases to core deposits | 100.4025% | 924 |
| Total domestic deposits to total assets | 81.4557% | 5,376 |
| Equity capital to assets | 10.3968% | 3,674 |
| Core capital (leverage) ratio | 10.2381% | 3,099 |
| Tier 1 risk-based capital ratio | 12.7543% | 5,398 |
| Total risk-based capital ratio | 13.9832% | 5,363 |
| Memoranda: | ||
| Average total assets | $272,342,000 | 2,373 |
| Average earning assets | $248,591,000 | 2,392 |
| Average equity | $27,577,000 | 2,479 |
| Average total loans | $215,179,500 | 1,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5014% | 621 |
| Cost of funding earning assets | 0.6363% | 4,037 |
| Net interest margin | 4.8651% | 481 |
| Noninterest income to average assets | 0.5715% | 3,438 |
| Noninterest expense to average assets | 3.0665% | 3,022 |
| Loan and lease loss provision to assets | 0.1047% | 4,326 |
| Net operating income to assets | 1.1636% | 1,720 |
| Return on assets (ROA) | 1.1811% | 1,821 |
| Pretax return on assets | 1.8398% | 854 |
| Return on Equity (ROE) | 12.1937% | 1,450 |
| Retained earnings to average equity (ytd only) | 9.2244% | 757 |
| Net charge-offs to loans | 0.0565% | 5,134 |
| Credit loss provision to net charge-offs | 239.3162% | 1,039 |
| Earnings coverage of net charge-offs (x) | 43.8120% | 741 |
| Efficiency ratio | 61.5310% | 5,310 |
| Assets per employee ($millions) | 3.8289% | 4,312 |
| Cash dividends to net income (ytd only)* | 24.3509% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 4,988 |
| Loan loss allowance to noncurrent loans | 181.3938% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 3,847 |
| Noncurrent loans to loans | 0.6767% | 4,846 |
| Net loans and leases to total assets | 78.2551% | 648 |
| Net loans and leases to deposits | 96.4023% | 596 |
| Net loans and leases to core deposits | 101.5893% | 914 |
| Total domestic deposits to total assets | 81.1756% | 5,350 |
| Equity capital to assets | 9.8615% | 4,365 |
| Core capital (leverage) ratio | 9.9194% | 3,516 |
| Tier 1 risk-based capital ratio | 12.1450% | 5,690 |
| Total risk-based capital ratio | 13.3511% | 5,685 |
| Memoranda: | ||
| Average total assets | $267,373,000 | 2,367 |
| Average earning assets | $242,481,600 | 2,390 |
| Average equity | $25,898,600 | 2,581 |
| Average total loans | $207,014,000 | 1,947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5291% | 645 |
| Cost of funding earning assets | 0.6549% | 4,154 |
| Net interest margin | 4.8741% | 498 |
| Noninterest income to average assets | 0.5679% | 3,488 |
| Noninterest expense to average assets | 3.0536% | 3,044 |
| Loan and lease loss provision to assets | 0.1407% | 3,778 |
| Net operating income to assets | 1.1550% | 1,884 |
| Return on assets (ROA) | 1.1785% | 1,998 |
| Pretax return on assets | 1.8349% | 977 |
| Return on Equity (ROE) | 12.2243% | 1,558 |
| Retained earnings to average equity (ytd only) | 10.2695% | 843 |
| Net charge-offs to loans | 0.0777% | 4,624 |
| Credit loss provision to net charge-offs | 235.2941% | 1,178 |
| Earnings coverage of net charge-offs (x) | 32.4207% | 1,033 |
| Efficiency ratio | 61.1637% | 5,284 |
| Assets per employee ($millions) | 3.7532% | 4,417 |
| Cash dividends to net income (ytd only)* | 15.9915% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,092 |
| Loan loss allowance to noncurrent loans | 154.1427% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,015 |
| Noncurrent loans to loans | 0.8045% | 4,800 |
| Net loans and leases to total assets | 77.8727% | 750 |
| Net loans and leases to deposits | 95.3372% | 702 |
| Net loans and leases to core deposits | 101.5836% | 1,013 |
| Total domestic deposits to total assets | 81.6813% | 5,134 |
| Equity capital to assets | 9.7324% | 4,883 |
| Core capital (leverage) ratio | 9.7209% | 3,920 |
| Tier 1 risk-based capital ratio | 12.0813% | 5,896 |
| Total risk-based capital ratio | 13.3066% | 5,894 |
| Memoranda: | ||
| Average total assets | $265,296,500 | 2,416 |
| Average earning assets | $240,829,250 | 2,436 |
| Average equity | $25,576,750 | 2,630 |
| Average total loans | $204,164,000 | 1,993 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 660 |
| Cost of funding earning assets | 0.6706% | 4,269 |
| Net interest margin | 4.8697% | 500 |
| Noninterest income to average assets | 0.5671% | 3,476 |
| Noninterest expense to average assets | 3.1433% | 2,771 |
| Loan and lease loss provision to assets | 0.1601% | 3,515 |
| Net operating income to assets | 1.0886% | 2,081 |
| Return on assets (ROA) | 1.1258% | 2,175 |
| Pretax return on assets | 1.7431% | 1,154 |
| Return on Equity (ROE) | 11.7157% | 1,765 |
| Retained earnings to average equity (ytd only) | 8.7412% | 1,360 |
| Net charge-offs to loans | 0.0999% | 4,170 |
| Credit loss provision to net charge-offs | 210.0000% | 1,341 |
| Earnings coverage of net charge-offs (x) | 24.2200% | 1,226 |
| Efficiency ratio | 63.0003% | 5,081 |
| Assets per employee ($millions) | 3.9751% | 3,930 |
| Cash dividends to net income (ytd only)* | 25.3893% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,287 |
| Loan loss allowance to noncurrent loans | 135.9545% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 4,015 |
| Noncurrent loans to loans | 0.8940% | 4,708 |
| Net loans and leases to total assets | 77.8726% | 738 |
| Net loans and leases to deposits | 95.7626% | 647 |
| Net loans and leases to core deposits | 102.6771% | 942 |
| Total domestic deposits to total assets | 81.3184% | 5,357 |
| Equity capital to assets | 9.3868% | 5,209 |
| Core capital (leverage) ratio | 9.6202% | 3,964 |
| Tier 1 risk-based capital ratio | 11.6715% | 6,121 |
| Total risk-based capital ratio | 12.8721% | 6,136 |
| Memoranda: | ||
| Average total assets | $262,401,000 | 2,434 |
| Average earning assets | $238,291,000 | 2,446 |
| Average equity | $25,214,000 | 2,643 |
| Average total loans | $200,206,330 | 2,021 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5138% | 738 |
| Cost of funding earning assets | 0.7102% | 4,197 |
| Net interest margin | 4.8036% | 556 |
| Noninterest income to average assets | 0.5537% | 3,540 |
| Noninterest expense to average assets | 3.3346% | 2,187 |
| Loan and lease loss provision to assets | 0.1092% | 3,988 |
| Net operating income to assets | 0.9483% | 2,705 |
| Return on assets (ROA) | 0.9483% | 2,912 |
| Pretax return on assets | 1.4458% | 2,034 |
| Return on Equity (ROE) | 9.7483% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.7483% | 1,337 |
| Net charge-offs to loans | 0.1727% | 3,055 |
| Credit loss provision to net charge-offs | 84.3373% | 2,658 |
| Earnings coverage of net charge-offs (x) | 12.0120% | 1,630 |
| Efficiency ratio | 68.1978% | 4,132 |
| Assets per employee ($millions) | 3.6482% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 5,063 |
| Loan loss allowance to noncurrent loans | 93.1920% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 3,206 |
| Noncurrent loans to loans | 1.3840% | 4,040 |
| Net loans and leases to total assets | 74.0125% | 1,063 |
| Net loans and leases to deposits | 90.2754% | 942 |
| Net loans and leases to core deposits | 97.8671% | 1,134 |
| Total domestic deposits to total assets | 81.9852% | 5,301 |
| Equity capital to assets | 9.7235% | 4,489 |
| Core capital (leverage) ratio | 9.8260% | 3,604 |
| Tier 1 risk-based capital ratio | 12.2818% | 5,775 |
| Total risk-based capital ratio | 13.5162% | 5,749 |
| Memoranda: | ||
| Average total assets | $256,461,500 | 2,505 |
| Average earning assets | $231,491,500 | 2,525 |
| Average equity | $24,948,000 | 2,668 |
| Average total loans | $192,201,000 | 2,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 1,005 |
| Cost of funding earning assets | 0.8117% | 4,779 |
| Net interest margin | 4.7630% | 669 |
| Noninterest income to average assets | 0.6906% | 2,661 |
| Noninterest expense to average assets | 3.0409% | 3,430 |
| Loan and lease loss provision to assets | 0.6291% | 1,625 |
| Net operating income to assets | 0.8839% | 2,673 |
| Return on assets (ROA) | 0.9055% | 2,705 |
| Pretax return on assets | 1.3756% | 1,859 |
| Return on Equity (ROE) | 9.5237% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.5536% | 1,714 |
| Net charge-offs to loans | 0.8035% | 2,151 |
| Credit loss provision to net charge-offs | 105.4923% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.3068% | 3,561 |
| Efficiency ratio | 60.6614% | 5,653 |
| Assets per employee ($millions) | 3.4781% | 5,073 |
| Cash dividends to net income (ytd only)* | 31.1866% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,791 |
| Loan loss allowance to noncurrent loans | 70.5717% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8862% | 3,130 |
| Noncurrent loans to loans | 1.8760% | 3,371 |
| Net loans and leases to total assets | 73.9147% | 1,288 |
| Net loans and leases to deposits | 90.5416% | 1,091 |
| Net loans and leases to core deposits | 96.9731% | 1,416 |
| Total domestic deposits to total assets | 81.6362% | 5,256 |
| Equity capital to assets | 9.7321% | 4,547 |
| Core capital (leverage) ratio | 9.6227% | 3,832 |
| Tier 1 risk-based capital ratio | 12.3083% | 5,610 |
| Total risk-based capital ratio | 13.5586% | 5,582 |
| Memoranda: | ||
| Average total assets | $250,356,400 | 2,515 |
| Average earning assets | $227,188,400 | 2,536 |
| Average equity | $23,803,800 | 2,688 |
| Average total loans | $185,817,600 | 2,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 1,123 |
| Cost of funding earning assets | 0.8306% | 4,941 |
| Net interest margin | 4.7256% | 718 |
| Noninterest income to average assets | 0.5975% | 3,174 |
| Noninterest expense to average assets | 2.9994% | 3,554 |
| Loan and lease loss provision to assets | 0.5345% | 1,844 |
| Net operating income to assets | 0.8967% | 2,749 |
| Return on assets (ROA) | 0.9257% | 2,792 |
| Pretax return on assets | 1.4072% | 1,923 |
| Return on Equity (ROE) | 9.7945% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.8266% | 1,574 |
| Net charge-offs to loans | 0.8546% | 1,858 |
| Credit loss provision to net charge-offs | 84.4595% | 3,984 |
| Earnings coverage of net charge-offs (x) | 2.9992% | 3,639 |
| Efficiency ratio | 61.2463% | 5,529 |
| Assets per employee ($millions) | 3.4195% | 5,203 |
| Cash dividends to net income (ytd only)* | 20.0924% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,544 |
| Loan loss allowance to noncurrent loans | 52.6537% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.1442% | 2,982 |
| Noncurrent loans to loans | 2.2444% | 3,057 |
| Net loans and leases to total assets | 73.4267% | 1,426 |
| Net loans and leases to deposits | 90.1453% | 1,197 |
| Net loans and leases to core deposits | 99.4571% | 1,300 |
| Total domestic deposits to total assets | 81.4536% | 5,272 |
| Equity capital to assets | 9.5298% | 5,034 |
| Core capital (leverage) ratio | 9.4606% | 4,214 |
| Tier 1 risk-based capital ratio | 12.1246% | 5,799 |
| Total risk-based capital ratio | 13.2580% | 5,878 |
| Memoranda: | ||
| Average total assets | $249,470,000 | 2,537 |
| Average earning assets | $226,987,000 | 2,545 |
| Average equity | $23,577,250 | 2,718 |
| Average total loans | $184,724,750 | 2,203 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 1,250 |
| Cost of funding earning assets | 0.8512% | 5,054 |
| Net interest margin | 4.6704% | 781 |
| Noninterest income to average assets | 0.5997% | 3,148 |
| Noninterest expense to average assets | 2.9336% | 3,887 |
| Loan and lease loss provision to assets | 0.2832% | 3,114 |
| Net operating income to assets | 1.0747% | 1,955 |
| Return on assets (ROA) | 1.0941% | 1,977 |
| Pretax return on assets | 1.6800% | 1,095 |
| Return on Equity (ROE) | 11.6103% | 1,600 |
| Retained earnings to average equity (ytd only) | 8.6218% | 1,227 |
| Net charge-offs to loans | 0.2287% | 3,753 |
| Credit loss provision to net charge-offs | 167.4641% | 1,807 |
| Earnings coverage of net charge-offs (x) | 11.4306% | 1,717 |
| Efficiency ratio | 60.2760% | 5,830 |
| Assets per employee ($millions) | 3.5669% | 4,765 |
| Cash dividends to net income (ytd only)* | 25.7396% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,845 |
| Loan loss allowance to noncurrent loans | 44.9895% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 2,438 |
| Noncurrent loans to loans | 2.9950% | 2,425 |
| Net loans and leases to total assets | 74.5003% | 1,326 |
| Net loans and leases to deposits | 91.4902% | 1,114 |
| Net loans and leases to core deposits | 102.5759% | 1,146 |
| Total domestic deposits to total assets | 81.4298% | 5,379 |
| Equity capital to assets | 9.4654% | 4,865 |
| Core capital (leverage) ratio | 9.4660% | 4,006 |
| Tier 1 risk-based capital ratio | 12.0574% | 5,743 |
| Total risk-based capital ratio | 13.3083% | 5,708 |
| Memoranda: | ||
| Average total assets | $247,140,000 | 2,580 |
| Average earning assets | $225,803,670 | 2,571 |
| Average equity | $23,289,670 | 2,730 |
| Average total loans | $182,779,000 | 2,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5419% | 1,197 |
| Cost of funding earning assets | 0.8833% | 5,038 |
| Net interest margin | 4.6586% | 768 |
| Noninterest income to average assets | 0.5949% | 3,208 |
| Noninterest expense to average assets | 2.9514% | 3,847 |
| Loan and lease loss provision to assets | 0.2458% | 3,206 |
| Net operating income to assets | 1.0750% | 1,932 |
| Return on assets (ROA) | 1.1144% | 1,840 |
| Pretax return on assets | 1.7191% | 951 |
| Return on Equity (ROE) | 11.8524% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.8524% | 757 |
| Net charge-offs to loans | -0.0022% | 6,181 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7830% | 5,862 |
| Assets per employee ($millions) | 3.8131% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,445 |
| Loan loss allowance to noncurrent loans | 104.8217% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.4944% | 4,012 |
| Noncurrent loans to loans | 1.3818% | 4,399 |
| Net loans and leases to total assets | 71.0191% | 1,916 |
| Net loans and leases to deposits | 83.8121% | 2,060 |
| Net loans and leases to core deposits | 94.7124% | 1,802 |
| Total domestic deposits to total assets | 84.7361% | 4,154 |
| Equity capital to assets | 9.3959% | 4,580 |
| Core capital (leverage) ratio | 9.5253% | 3,765 |
| Tier 1 risk-based capital ratio | 12.4787% | 5,288 |
| Total risk-based capital ratio | 13.7306% | 5,260 |
| Memoranda: | ||
| Average total assets | $244,085,000 | 2,624 |
| Average earning assets | $223,243,000 | 2,621 |
| Average equity | $22,949,000 | 2,753 |
| Average total loans | $178,544,000 | 2,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5658% | 2,029 |
| Cost of funding earning assets | 1.0800% | 5,254 |
| Net interest margin | 4.4858% | 1,256 |
| Noninterest income to average assets | 0.7426% | 2,577 |
| Noninterest expense to average assets | 3.0820% | 3,535 |
| Loan and lease loss provision to assets | 0.2802% | 4,569 |
| Net operating income to assets | 0.9681% | 2,140 |
| Return on assets (ROA) | 0.9698% | 2,252 |
| Pretax return on assets | 1.5156% | 1,334 |
| Return on Equity (ROE) | 10.0554% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.4249% | 1,170 |
| Net charge-offs to loans | 0.1015% | 5,847 |
| Credit loss provision to net charge-offs | 369.1860% | 687 |
| Earnings coverage of net charge-offs (x) | 23.6279% | 896 |
| Efficiency ratio | 63.2184% | 5,478 |
| Assets per employee ($millions) | 3.7550% | 4,354 |
| Cash dividends to net income (ytd only)* | 26.1601% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 4,675 |
| Loan loss allowance to noncurrent loans | 140.4844% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 4,546 |
| Noncurrent loans to loans | 0.9715% | 5,106 |
| Net loans and leases to total assets | 73.2541% | 1,815 |
| Net loans and leases to deposits | 87.1521% | 1,915 |
| Net loans and leases to core deposits | 96.2520% | 1,977 |
| Total domestic deposits to total assets | 84.0531% | 4,339 |
| Equity capital to assets | 9.4084% | 4,535 |
| Core capital (leverage) ratio | 9.5240% | 3,679 |
| Tier 1 risk-based capital ratio | 12.1655% | 5,321 |
| Total risk-based capital ratio | 13.4164% | 5,299 |
| Memoranda: | ||
| Average total assets | $226,641,400 | 2,793 |
| Average earning assets | $208,793,000 | 2,768 |
| Average equity | $21,858,800 | 2,895 |
| Average total loans | $169,417,800 | 2,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 2,216 |
| Cost of funding earning assets | 1.1366% | 5,216 |
| Net interest margin | 4.4225% | 1,454 |
| Noninterest income to average assets | 0.7054% | 2,793 |
| Noninterest expense to average assets | 2.9590% | 3,889 |
| Loan and lease loss provision to assets | 0.2777% | 4,357 |
| Net operating income to assets | 0.9781% | 2,305 |
| Return on assets (ROA) | 0.9808% | 2,419 |
| Pretax return on assets | 1.5398% | 1,504 |
| Return on Equity (ROE) | 10.1023% | 2,087 |
| Retained earnings to average equity (ytd only) | 8.4596% | 1,250 |
| Net charge-offs to loans | 0.1372% | 5,200 |
| Credit loss provision to net charge-offs | 270.3488% | 1,211 |
| Earnings coverage of net charge-offs (x) | 17.6510% | 1,316 |
| Efficiency ratio | 62.0025% | 5,620 |
| Assets per employee ($millions) | 3.5185% | 4,935 |
| Cash dividends to net income (ytd only)* | 16.2606% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,888 |
| Loan loss allowance to noncurrent loans | 666.4706% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 5,665 |
| Noncurrent loans to loans | 0.1969% | 6,786 |
| Net loans and leases to total assets | 74.5266% | 1,682 |
| Net loans and leases to deposits | 89.4977% | 1,788 |
| Net loans and leases to core deposits | 96.3908% | 2,211 |
| Total domestic deposits to total assets | 83.2720% | 4,471 |
| Equity capital to assets | 9.8692% | 4,333 |
| Core capital (leverage) ratio | 9.7548% | 3,544 |
| Tier 1 risk-based capital ratio | 12.4327% | 5,048 |
| Total risk-based capital ratio | 13.6832% | 5,017 |
| Memoranda: | ||
| Average total assets | $223,222,500 | 2,869 |
| Average earning assets | $205,280,000 | 2,848 |
| Average equity | $21,671,000 | 2,960 |
| Average total loans | $167,152,750 | 2,554 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 2,494 |
| Cost of funding earning assets | 1.2053% | 5,097 |
| Net interest margin | 4.3000% | 1,781 |
| Noninterest income to average assets | 0.6405% | 3,061 |
| Noninterest expense to average assets | 2.9486% | 3,898 |
| Loan and lease loss provision to assets | 0.3117% | 3,884 |
| Net operating income to assets | 0.8501% | 2,730 |
| Return on assets (ROA) | 0.8501% | 2,883 |
| Pretax return on assets | 1.3379% | 1,982 |
| Return on Equity (ROE) | 8.8063% | 2,547 |
| Retained earnings to average equity (ytd only) | 6.3076% | 2,164 |
| Net charge-offs to loans | 0.2154% | 4,314 |
| Credit loss provision to net charge-offs | 193.8202% | 2,032 |
| Earnings coverage of net charge-offs (x) | 10.2584% | 1,916 |
| Efficiency ratio | 64.1257% | 5,313 |
| Assets per employee ($millions) | 3.6064% | 4,679 |
| Cash dividends to net income (ytd only)* | 28.3741% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,952 |
| Loan loss allowance to noncurrent loans | 208.9844% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 5,544 |
| Noncurrent loans to loans | 0.6194% | 6,010 |
| Net loans and leases to total assets | 71.8189% | 2,453 |
| Net loans and leases to deposits | 86.6316% | 2,414 |
| Net loans and leases to core deposits | 93.5100% | 2,791 |
| Total domestic deposits to total assets | 82.9016% | 4,610 |
| Equity capital to assets | 9.6047% | 4,542 |
| Core capital (leverage) ratio | 9.5344% | 3,771 |
| Tier 1 risk-based capital ratio | 12.2489% | 5,077 |
| Total risk-based capital ratio | 13.4686% | 5,081 |
| Memoranda: | ||
| Average total assets | $221,396,330 | 2,920 |
| Average earning assets | $203,769,670 | 2,891 |
| Average equity | $21,371,000 | 2,992 |
| Average total loans | $165,300,670 | 2,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 2,578 |
| Cost of funding earning assets | 1.2687% | 5,009 |
| Net interest margin | 4.2310% | 1,923 |
| Noninterest income to average assets | 0.6078% | 3,228 |
| Noninterest expense to average assets | 2.9475% | 3,868 |
| Loan and lease loss provision to assets | 0.2380% | 4,141 |
| Net operating income to assets | 0.8568% | 2,724 |
| Return on assets (ROA) | 0.8568% | 2,812 |
| Pretax return on assets | 1.3419% | 1,930 |
| Return on Equity (ROE) | 8.8529% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.8529% | 1,441 |
| Net charge-offs to loans | -0.0024% | 6,770 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1031% | 5,288 |
| Assets per employee ($millions) | 3.5297% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,135 |
| Loan loss allowance to noncurrent loans | 170.9180% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 5,372 |
| Noncurrent loans to loans | 0.7392% | 5,844 |
| Net loans and leases to total assets | 73.9420% | 1,985 |
| Net loans and leases to deposits | 89.8124% | 1,929 |
| Net loans and leases to core deposits | 96.7758% | 2,491 |
| Total domestic deposits to total assets | 82.3294% | 4,922 |
| Equity capital to assets | 9.6142% | 4,357 |
| Core capital (leverage) ratio | 9.7462% | 3,459 |
| Tier 1 risk-based capital ratio | 11.8723% | 5,325 |
| Total risk-based capital ratio | 13.0521% | 5,336 |
| Memoranda: | ||
| Average total assets | $218,493,500 | 3,009 |
| Average earning assets | $202,410,000 | 2,960 |
| Average equity | $21,145,500 | 3,050 |
| Average total loans | $165,294,000 | 2,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 3,628 |
| Cost of funding earning assets | 1.6686% | 4,678 |
| Net interest margin | 3.9276% | 3,168 |
| Noninterest income to average assets | 0.8094% | 2,360 |
| Noninterest expense to average assets | 3.2058% | 3,361 |
| Loan and lease loss provision to assets | 0.3613% | 4,635 |
| Net operating income to assets | 0.5697% | 3,444 |
| Return on assets (ROA) | 0.5965% | 3,424 |
| Pretax return on assets | 0.9082% | 2,898 |
| Return on Equity (ROE) | 6.0498% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.8312% | 2,517 |
| Net charge-offs to loans | 0.1827% | 5,507 |
| Credit loss provision to net charge-offs | 264.0845% | 1,328 |
| Earnings coverage of net charge-offs (x) | 8.9824% | 1,859 |
| Efficiency ratio | 72.2868% | 4,222 |
| Assets per employee ($millions) | 3.4066% | 5,240 |
| Cash dividends to net income (ytd only)* | 36.6721% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,342 |
| Loan loss allowance to noncurrent loans | 82.2083% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4724% | 4,186 |
| Noncurrent loans to loans | 1.4629% | 4,478 |
| Net loans and leases to total assets | 75.5235% | 1,915 |
| Net loans and leases to deposits | 92.1378% | 1,875 |
| Net loans and leases to core deposits | 116.4117% | 2,272 |
| Total domestic deposits to total assets | 81.9680% | 4,961 |
| Equity capital to assets | 9.7438% | 4,083 |
| Core capital (leverage) ratio | 9.6946% | 3,465 |
| Tier 1 risk-based capital ratio | 11.8399% | 5,080 |
| Total risk-based capital ratio | 12.9678% | 5,142 |
| Memoranda: | ||
| Average total assets | $207,561,200 | 3,085 |
| Average earning assets | $191,595,200 | 3,075 |
| Average equity | $20,463,400 | 3,139 |
| Average total loans | $155,404,000 | 2,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 3,943 |
| Cost of funding earning assets | 1.7555% | 4,614 |
| Net interest margin | 3.8312% | 3,521 |
| Noninterest income to average assets | 0.8137% | 2,362 |
| Noninterest expense to average assets | 3.2763% | 3,005 |
| Loan and lease loss provision to assets | 0.2753% | 4,773 |
| Net operating income to assets | 0.5251% | 3,881 |
| Return on assets (ROA) | 0.5611% | 3,836 |
| Pretax return on assets | 0.8513% | 3,374 |
| Return on Equity (ROE) | 5.6736% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.1864% | 2,938 |
| Net charge-offs to loans | 0.2488% | 4,495 |
| Credit loss provision to net charge-offs | 148.6014% | 3,245 |
| Earnings coverage of net charge-offs (x) | 5.7868% | 2,733 |
| Efficiency ratio | 75.3427% | 3,628 |
| Assets per employee ($millions) | 3.3970% | 5,169 |
| Cash dividends to net income (ytd only)* | 26.2125% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,184 |
| Loan loss allowance to noncurrent loans | 99.7576% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 4,145 |
| Noncurrent loans to loans | 1.0186% | 5,271 |
| Net loans and leases to total assets | 76.1292% | 1,975 |
| Net loans and leases to deposits | 93.9645% | 1,885 |
| Net loans and leases to core deposits | 118.3058% | 2,388 |
| Total domestic deposits to total assets | 81.0191% | 5,074 |
| Equity capital to assets | 9.8734% | 4,240 |
| Core capital (leverage) ratio | 9.7990% | 3,518 |
| Tier 1 risk-based capital ratio | 11.9820% | 4,994 |
| Total risk-based capital ratio | 12.9454% | 5,198 |
| Memoranda: | ||
| Average total assets | $205,797,000 | 3,130 |
| Average earning assets | $189,876,000 | 3,118 |
| Average equity | $20,351,250 | 3,187 |
| Average total loans | $153,240,000 | 2,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,368 |
| Cost of funding earning assets | 1.8513% | 4,504 |
| Net interest margin | 3.6920% | 3,983 |
| Noninterest income to average assets | 0.8708% | 2,092 |
| Noninterest expense to average assets | 3.3322% | 2,844 |
| Loan and lease loss provision to assets | 0.1959% | 5,102 |
| Net operating income to assets | 0.4896% | 4,122 |
| Return on assets (ROA) | 0.5446% | 4,027 |
| Pretax return on assets | 0.8286% | 3,576 |
| Return on Equity (ROE) | 5.5040% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.2569% | 3,507 |
| Net charge-offs to loans | 0.3845% | 3,278 |
| Credit loss provision to net charge-offs | 69.2042% | 5,431 |
| Earnings coverage of net charge-offs (x) | 3.3253% | 3,485 |
| Efficiency ratio | 77.9739% | 3,350 |
| Assets per employee ($millions) | 3.1303% | 5,779 |
| Cash dividends to net income (ytd only)* | 40.8273% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 6,761 |
| Loan loss allowance to noncurrent loans | 477.4411% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 5,033 |
| Noncurrent loans to loans | 0.1888% | 7,042 |
| Net loans and leases to total assets | 74.3245% | 2,615 |
| Net loans and leases to deposits | 90.9427% | 2,666 |
| Net loans and leases to core deposits | 113.9612% | 2,911 |
| Total domestic deposits to total assets | 81.7268% | 4,805 |
| Equity capital to assets | 9.6890% | 4,364 |
| Core capital (leverage) ratio | 9.6314% | 3,729 |
| Tier 1 risk-based capital ratio | 12.1298% | 4,821 |
| Total risk-based capital ratio | 12.9827% | 5,086 |
| Memoranda: | ||
| Average total assets | $204,190,330 | 3,174 |
| Average earning assets | $188,192,330 | 3,162 |
| Average equity | $20,203,330 | 3,213 |
| Average total loans | $150,324,330 | 2,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 4,599 |
| Cost of funding earning assets | 1.9029% | 4,620 |
| Net interest margin | 3.6547% | 4,079 |
| Noninterest income to average assets | 0.7725% | 2,469 |
| Noninterest expense to average assets | 3.1477% | 3,197 |
| Loan and lease loss provision to assets | 0.1986% | 4,456 |
| Net operating income to assets | 0.5049% | 4,395 |
| Return on assets (ROA) | 0.6117% | 4,162 |
| Pretax return on assets | 0.9572% | 3,508 |
| Return on Equity (ROE) | 6.1158% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.1158% | 2,579 |
| Net charge-offs to loans | -0.1417% | 7,961 |
| Credit loss provision to net charge-offs | -192.3077% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0922% | 3,477 |
| Assets per employee ($millions) | 3.2120% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,413 |
| Loan loss allowance to noncurrent loans | 154.1822% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 4,605 |
| Noncurrent loans to loans | 0.7183% | 5,622 |
| Net loans and leases to total assets | 72.0592% | 3,232 |
| Net loans and leases to deposits | 89.9655% | 2,934 |
| Net loans and leases to core deposits | 113.6829% | 3,037 |
| Total domestic deposits to total assets | 80.0965% | 5,333 |
| Equity capital to assets | 9.8479% | 4,183 |
| Core capital (leverage) ratio | 10.0565% | 3,340 |
| Tier 1 risk-based capital ratio | 12.6537% | 4,433 |
| Total risk-based capital ratio | 13.7006% | 4,498 |
| Memoranda: | ||
| Average total assets | $201,419,000 | 3,220 |
| Average earning assets | $185,403,500 | 3,220 |
| Average equity | $20,144,500 | 3,236 |
| Average total loans | $146,836,000 | 3,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9427% | 5,838 |
| Cost of funding earning assets | 2.0466% | 6,251 |
| Net interest margin | 3.8961% | 3,581 |
| Noninterest income to average assets | 0.9599% | 1,727 |
| Noninterest expense to average assets | 3.6935% | 1,963 |
| Loan and lease loss provision to assets | 0.2844% | 4,107 |
| Net operating income to assets | 0.3790% | 5,230 |
| Return on assets (ROA) | 0.3856% | 5,025 |
| Pretax return on assets | 0.5141% | 4,937 |
| Return on Equity (ROE) | 3.5330% | 5,023 |
| Retained earnings to average equity (ytd only) | -0.1804% | 5,332 |
| Net charge-offs to loans | 0.1705% | 4,500 |
| Credit loss provision to net charge-offs | 245.2830% | 1,902 |
| Earnings coverage of net charge-offs (x) | 6.8113% | 3,263 |
| Efficiency ratio | 82.3838% | 2,253 |
| Assets per employee ($millions) | 3.1313% | 5,681 |
| Cash dividends to net income (ytd only)* | 105.1064% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,649 |
| Loan loss allowance to noncurrent loans | 54.0725% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 2,554 |
| Noncurrent loans to loans | 1.9370% | 2,850 |
| Net loans and leases to total assets | 72.1728% | 3,541 |
| Net loans and leases to deposits | 92.2519% | 3,087 |
| Net loans and leases to core deposits | 115.3066% | 3,205 |
| Total domestic deposits to total assets | 78.2345% | 5,632 |
| Equity capital to assets | 10.1611% | 3,853 |
| Core capital (leverage) ratio | 10.0355% | 3,412 |
| Tier 1 risk-based capital ratio | 12.4280% | 4,489 |
| Total risk-based capital ratio | 13.3760% | 4,608 |
| Memoranda: | ||
| Average total assets | $182,836,000 | 3,376 |
| Average earning assets | $165,346,400 | 3,399 |
| Average equity | $19,954,600 | 3,238 |
| Average total loans | $124,366,800 | 3,370 |