Home > Farmers and Merchants Bank > Performance and Condition Ratios
Farmers and Merchants Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9462% | 360 |
| Cost of funding earning assets | 2.2213% | 1,376 |
| Net interest margin | 4.7248% | 450 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 2.6447% | 1,909 |
| Loan and lease loss provision to assets | 0.2200% | 520 |
| Net operating income to assets | 1.4644% | 1,153 |
| Return on assets (ROA) | 1.4644% | 1,147 |
| Pretax return on assets | 1.9479% | 764 |
| Return on Equity (ROE) | 18.8300% | 555 |
| Retained earnings to average equity (ytd only) | 18.8293% | 204 |
| Net charge-offs to loans | 0.2579% | 451 |
| Credit loss provision to net charge-offs | 100.5747% | 1,255 |
| Earnings coverage of net charge-offs (x) | 11.5115% | 1,664 |
| Efficiency ratio | 54.9989% | 3,509 |
| Assets per employee ($millions) | 5.7767% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,190 |
| Loan loss allowance to noncurrent loans | 42.0489% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.3489% | 163 |
| Noncurrent loans to loans | 2.8507% | 243 |
| Net loans and leases to total assets | 73.0000% | 1,457 |
| Net loans and leases to deposits | 79.7603% | 2,074 |
| Net loans and leases to core deposits | 95.6935% | 1,656 |
| Total domestic deposits to total assets | 91.5300% | 387 |
| Equity capital to assets | 8.0065% | 3,590 |
| Core capital (leverage) ratio | 9.2603% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $740,489,500 | 1,312 |
| Average earning assets | $708,766,500 | 1,283 |
| Average equity | $57,591,000 | 1,593 |
| Average total loans | $539,793,500 | 1,245 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9572% | 421 |
| Cost of funding earning assets | 2.2951% | 1,543 |
| Net interest margin | 4.6620% | 516 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 3.5699% | 545 |
| Loan and lease loss provision to assets | 0.2800% | 448 |
| Net operating income to assets | 0.7424% | 2,850 |
| Return on assets (ROA) | 0.7424% | 2,870 |
| Pretax return on assets | 0.9864% | 2,566 |
| Return on Equity (ROE) | 9.2100% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.8774% | 1,874 |
| Net charge-offs to loans | 0.1138% | 1,081 |
| Credit loss provision to net charge-offs | 315.0087% | 841 |
| Earnings coverage of net charge-offs (x) | 15.1675% | 2,027 |
| Efficiency ratio | 73.8758% | 1,567 |
| Assets per employee ($millions) | 5.6599% | 3,158 |
| Cash dividends to net income (ytd only)* | 36.1964% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 1,927 |
| Loan loss allowance to noncurrent loans | 38.8323% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 147 |
| Noncurrent loans to loans | 3.2120% | 162 |
| Net loans and leases to total assets | 71.0000% | 1,781 |
| Net loans and leases to deposits | 77.1275% | 2,355 |
| Net loans and leases to core deposits | 90.9166% | 2,043 |
| Total domestic deposits to total assets | 92.0500% | 296 |
| Equity capital to assets | 7.5454% | 3,750 |
| Core capital (leverage) ratio | 9.1389% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $688,450,200 | 1,361 |
| Average earning assets | $657,738,000 | 1,331 |
| Average equity | $55,483,400 | 1,592 |
| Average total loans | $503,537,800 | 1,287 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0958% | 352 |
| Cost of funding earning assets | 2.2682% | 1,593 |
| Net interest margin | 4.8276% | 416 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 3.1113% | 956 |
| Loan and lease loss provision to assets | 0.1800% | 677 |
| Net operating income to assets | 1.2779% | 1,356 |
| Return on assets (ROA) | 1.2779% | 1,349 |
| Pretax return on assets | 1.7083% | 1,001 |
| Return on Equity (ROE) | 15.5900% | 874 |
| Retained earnings to average equity (ytd only) | 11.1399% | 629 |
| Net charge-offs to loans | 0.1507% | 737 |
| Credit loss provision to net charge-offs | 143.2384% | 1,334 |
| Earnings coverage of net charge-offs (x) | 17.0267% | 1,856 |
| Efficiency ratio | 62.2644% | 2,892 |
| Assets per employee ($millions) | 5.3507% | 3,402 |
| Cash dividends to net income (ytd only)* | 28.5274% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 2,867 |
| Loan loss allowance to noncurrent loans | 36.3560% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 2.2352% | 158 |
| Noncurrent loans to loans | 2.9644% | 207 |
| Net loans and leases to total assets | 74.5900% | 1,288 |
| Net loans and leases to deposits | 85.5332% | 1,684 |
| Net loans and leases to core deposits | 99.0713% | 1,544 |
| Total domestic deposits to total assets | 87.2000% | 1,520 |
| Equity capital to assets | 8.6427% | 3,298 |
| Core capital (leverage) ratio | 9.7539% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $676,616,000 | 1,372 |
| Average earning assets | $646,297,750 | 1,338 |
| Average equity | $55,474,750 | 1,580 |
| Average total loans | $497,176,500 | 1,290 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0028% | 367 |
| Cost of funding earning assets | 2.1725% | 1,714 |
| Net interest margin | 4.8303% | 408 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.1089% | 945 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.4165% | 1,052 |
| Return on assets (ROA) | 1.4165% | 1,055 |
| Pretax return on assets | 1.8864% | 753 |
| Return on Equity (ROE) | 17.6000% | 650 |
| Retained earnings to average equity (ytd only) | 11.6862% | 578 |
| Net charge-offs to loans | 0.0924% | 911 |
| Credit loss provision to net charge-offs | 46.4602% | 1,842 |
| Earnings coverage of net charge-offs (x) | 28.7124% | 1,421 |
| Efficiency ratio | 61.6852% | 3,034 |
| Assets per employee ($millions) | 5.2229% | 3,436 |
| Cash dividends to net income (ytd only)* | 33.6134% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,123 |
| Loan loss allowance to noncurrent loans | 52.6342% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 355 |
| Noncurrent loans to loans | 1.9585% | 396 |
| Net loans and leases to total assets | 72.4900% | 1,591 |
| Net loans and leases to deposits | 81.1557% | 2,100 |
| Net loans and leases to core deposits | 93.5772% | 1,895 |
| Total domestic deposits to total assets | 89.3300% | 905 |
| Equity capital to assets | 7.9884% | 3,437 |
| Core capital (leverage) ratio | 9.6438% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $672,073,333 | 1,381 |
| Average earning assets | $642,569,667 | 1,339 |
| Average equity | $54,081,000 | 1,595 |
| Average total loans | $489,421,333 | 1,312 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8716% | 390 |
| Cost of funding earning assets | 2.1056% | 1,762 |
| Net interest margin | 4.7660% | 424 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 3.1260% | 930 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.4359% | 996 |
| Return on assets (ROA) | 1.4359% | 1,005 |
| Pretax return on assets | 1.9086% | 711 |
| Return on Equity (ROE) | 17.7800% | 637 |
| Retained earnings to average equity (ytd only) | 17.7758% | 280 |
| Net charge-offs to loans | 0.0909% | 770 |
| Credit loss provision to net charge-offs | 96.3303% | 1,192 |
| Earnings coverage of net charge-offs (x) | 30.3028% | 1,168 |
| Efficiency ratio | 60.9897% | 3,156 |
| Assets per employee ($millions) | 5.2700% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 2,785 |
| Loan loss allowance to noncurrent loans | 48.6837% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 242 |
| Noncurrent loans to loans | 2.2718% | 263 |
| Net loans and leases to total assets | 71.0900% | 1,673 |
| Net loans and leases to deposits | 77.6811% | 2,262 |
| Net loans and leases to core deposits | 88.5777% | 2,129 |
| Total domestic deposits to total assets | 91.5100% | 421 |
| Equity capital to assets | 8.0236% | 3,353 |
| Core capital (leverage) ratio | 9.7220% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $660,788,000 | 1,404 |
| Average earning assets | $632,396,000 | 1,362 |
| Average equity | $53,376,000 | 1,603 |
| Average total loans | $479,724,500 | 1,333 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3174% | 424 |
| Cost of funding earning assets | 1.5399% | 1,843 |
| Net interest margin | 4.7775% | 430 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.9767% | 1,155 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3553% | 1,311 |
| Return on assets (ROA) | 1.3553% | 1,280 |
| Pretax return on assets | 1.7711% | 921 |
| Return on Equity (ROE) | 18.4100% | 769 |
| Retained earnings to average equity (ytd only) | 18.4113% | 174 |
| Net charge-offs to loans | 0.1971% | 545 |
| Credit loss provision to net charge-offs | 55.8036% | 2,170 |
| Earnings coverage of net charge-offs (x) | 13.3705% | 2,110 |
| Efficiency ratio | 61.6222% | 2,886 |
| Assets per employee ($millions) | 5.1761% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,654 |
| Loan loss allowance to noncurrent loans | 78.7034% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 454 |
| Noncurrent loans to loans | 1.4367% | 486 |
| Net loans and leases to total assets | 72.5100% | 1,525 |
| Net loans and leases to deposits | 79.9017% | 2,119 |
| Net loans and leases to core deposits | 91.6293% | 1,935 |
| Total domestic deposits to total assets | 90.7500% | 569 |
| Equity capital to assets | 8.1340% | 3,326 |
| Core capital (leverage) ratio | 9.7522% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7546% | 1,608 |
| Memoranda: | ||
| Average total assets | $646,222,800 | 1,383 |
| Average earning assets | $615,677,800 | 1,351 |
| Average equity | $47,568,600 | 1,666 |
| Average total loans | $454,684,400 | 1,335 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1544% | 440 |
| Cost of funding earning assets | 1.4127% | 1,835 |
| Net interest margin | 4.7417% | 437 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.7975% | 1,441 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3564% | 1,411 |
| Return on assets (ROA) | 1.3564% | 1,387 |
| Pretax return on assets | 1.8119% | 996 |
| Return on Equity (ROE) | 18.9200% | 829 |
| Retained earnings to average equity (ytd only) | 18.9238% | 302 |
| Net charge-offs to loans | 0.2570% | 346 |
| Credit loss provision to net charge-offs | 57.6701% | 1,869 |
| Earnings coverage of net charge-offs (x) | 10.7428% | 2,110 |
| Efficiency ratio | 59.2724% | 3,053 |
| Assets per employee ($millions) | 5.2589% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,671 |
| Loan loss allowance to noncurrent loans | 74.6335% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 393 |
| Noncurrent loans to loans | 1.5280% | 468 |
| Net loans and leases to total assets | 72.3100% | 1,536 |
| Net loans and leases to deposits | 79.0432% | 2,135 |
| Net loans and leases to core deposits | 89.1213% | 1,989 |
| Total domestic deposits to total assets | 91.4900% | 558 |
| Equity capital to assets | 7.3234% | 3,456 |
| Core capital (leverage) ratio | 9.3774% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1930% | 1,820 |
| Memoranda: | ||
| Average total assets | $646,025,500 | 1,384 |
| Average earning assets | $614,981,000 | 1,347 |
| Average equity | $46,303,750 | 1,686 |
| Average total loans | $449,719,500 | 1,346 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0095% | 435 |
| Cost of funding earning assets | 1.2835% | 1,760 |
| Net interest margin | 4.7260% | 438 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.6735% | 1,707 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.4182% | 1,286 |
| Return on assets (ROA) | 1.4182% | 1,269 |
| Pretax return on assets | 1.8945% | 876 |
| Return on Equity (ROE) | 19.9300% | 712 |
| Retained earnings to average equity (ytd only) | 19.9312% | 251 |
| Net charge-offs to loans | 0.3874% | 216 |
| Credit loss provision to net charge-offs | 58.4112% | 1,639 |
| Earnings coverage of net charge-offs (x) | 7.7710% | 2,074 |
| Efficiency ratio | 56.4774% | 3,360 |
| Assets per employee ($millions) | 5.3123% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,420 |
| Loan loss allowance to noncurrent loans | 79.3164% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 317 |
| Noncurrent loans to loans | 1.5170% | 433 |
| Net loans and leases to total assets | 67.9500% | 1,962 |
| Net loans and leases to deposits | 73.6536% | 2,527 |
| Net loans and leases to core deposits | 82.4337% | 2,300 |
| Total domestic deposits to total assets | 92.2500% | 368 |
| Equity capital to assets | 7.2590% | 3,657 |
| Core capital (leverage) ratio | 9.0701% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7666% | 1,631 |
| Memoranda: | ||
| Average total assets | $645,752,000 | 1,383 |
| Average earning assets | $615,490,333 | 1,350 |
| Average equity | $45,948,000 | 1,700 |
| Average total loans | $441,906,000 | 1,339 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7738% | 433 |
| Cost of funding earning assets | 1.1055% | 1,736 |
| Net interest margin | 4.6683% | 469 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.6944% | 1,695 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.5503% | 1,079 |
| Return on assets (ROA) | 1.5503% | 1,071 |
| Pretax return on assets | 2.0738% | 684 |
| Return on Equity (ROE) | 22.0100% | 581 |
| Retained earnings to average equity (ytd only) | 22.0145% | 284 |
| Net charge-offs to loans | 0.7577% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4.0518% | 1,865 |
| Efficiency ratio | 56.2508% | 3,384 |
| Assets per employee ($millions) | 5.4233% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,967 |
| Loan loss allowance to noncurrent loans | 76.3741% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 282 |
| Noncurrent loans to loans | 1.4633% | 444 |
| Net loans and leases to total assets | 67.6300% | 1,879 |
| Net loans and leases to deposits | 73.2643% | 2,364 |
| Net loans and leases to core deposits | 80.5539% | 2,212 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 7.2033% | 3,727 |
| Core capital (leverage) ratio | 8.7571% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2363% | 1,893 |
| Memoranda: | ||
| Average total assets | $641,924,500 | 1,410 |
| Average earning assets | $612,212,000 | 1,373 |
| Average equity | $45,206,500 | 1,737 |
| Average total loans | $438,171,000 | 1,356 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5755% | 636 |
| Cost of funding earning assets | 0.4136% | 1,986 |
| Net interest margin | 4.1619% | 590 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5450% | 1,979 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.0869% | 2,230 |
| Return on assets (ROA) | 1.0869% | 2,168 |
| Pretax return on assets | 1.4199% | 1,713 |
| Return on Equity (ROE) | 16.2100% | 1,012 |
| Retained earnings to average equity (ytd only) | 16.2130% | 213 |
| Net charge-offs to loans | 0.6190% | 113 |
| Credit loss provision to net charge-offs | 73.7265% | 1,710 |
| Earnings coverage of net charge-offs (x) | 4.2175% | 2,425 |
| Efficiency ratio | 59.6630% | 3,103 |
| Assets per employee ($millions) | 5.2334% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,600 |
| Loan loss allowance to noncurrent loans | 55.8165% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 193 |
| Noncurrent loans to loans | 2.0752% | 261 |
| Net loans and leases to total assets | 67.3300% | 1,900 |
| Net loans and leases to deposits | 72.4272% | 2,376 |
| Net loans and leases to core deposits | 78.5836% | 2,234 |
| Total domestic deposits to total assets | 92.9700% | 413 |
| Equity capital to assets | 6.8796% | 3,721 |
| Core capital (leverage) ratio | 8.5269% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8920% | 2,017 |
| Memoranda: | ||
| Average total assets | $639,989,400 | 1,408 |
| Average earning assets | $611,218,200 | 1,367 |
| Average equity | $42,903,800 | 1,828 |
| Average total loans | $421,812,000 | 1,334 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 665 |
| Cost of funding earning assets | 0.3625% | 1,594 |
| Net interest margin | 3.9812% | 662 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.4329% | 2,215 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.1414% | 1,925 |
| Return on assets (ROA) | 1.1414% | 1,895 |
| Pretax return on assets | 1.4974% | 1,416 |
| Return on Equity (ROE) | 17.1400% | 765 |
| Retained earnings to average equity (ytd only) | 17.1381% | 202 |
| Net charge-offs to loans | 0.6569% | 92 |
| Credit loss provision to net charge-offs | 50.9214% | 1,519 |
| Earnings coverage of net charge-offs (x) | 3.9971% | 2,189 |
| Efficiency ratio | 58.6390% | 3,310 |
| Assets per employee ($millions) | 5.2671% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,092 |
| Loan loss allowance to noncurrent loans | 46.5889% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 162 |
| Noncurrent loans to loans | 2.3251% | 242 |
| Net loans and leases to total assets | 66.9600% | 1,792 |
| Net loans and leases to deposits | 71.7236% | 2,234 |
| Net loans and leases to core deposits | 76.8558% | 2,123 |
| Total domestic deposits to total assets | 93.3600% | 484 |
| Equity capital to assets | 6.4799% | 3,748 |
| Core capital (leverage) ratio | 8.0338% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3915% | 2,320 |
| Memoranda: | ||
| Average total assets | $640,366,750 | 1,404 |
| Average earning assets | $611,590,500 | 1,373 |
| Average equity | $42,648,500 | 1,862 |
| Average total loans | $418,530,000 | 1,334 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 842 |
| Cost of funding earning assets | 0.3622% | 1,179 |
| Net interest margin | 3.6954% | 920 |
| Noninterest income to average assets | 0.3565% | 3,015 |
| Noninterest expense to average assets | 2.4524% | 2,074 |
| Loan and lease loss provision to assets | 0.0938% | 1,061 |
| Net operating income to assets | 1.0375% | 2,028 |
| Return on assets (ROA) | 1.0375% | 2,002 |
| Pretax return on assets | 1.3455% | 1,599 |
| Return on Equity (ROE) | 15.4379% | 811 |
| Retained earnings to average equity (ytd only) | 15.4379% | 229 |
| Net charge-offs to loans | 0.5205% | 126 |
| Credit loss provision to net charge-offs | 27.9070% | 1,573 |
| Earnings coverage of net charge-offs (x) | 4.2819% | 1,961 |
| Efficiency ratio | 63.0162% | 2,918 |
| Assets per employee ($millions) | 5.4407% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,949 |
| Loan loss allowance to noncurrent loans | 48.1842% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7319% | 185 |
| Noncurrent loans to loans | 2.3786% | 250 |
| Net loans and leases to total assets | 64.3103% | 1,871 |
| Net loans and leases to deposits | 68.7490% | 2,323 |
| Net loans and leases to core deposits | 73.8691% | 2,184 |
| Total domestic deposits to total assets | 93.5436% | 381 |
| Equity capital to assets | 6.3036% | 4,098 |
| Core capital (leverage) ratio | 7.8009% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0668% | 2,467 |
| Memoranda: | ||
| Average total assets | $639,625,333 | 1,410 |
| Average earning assets | $611,900,000 | 1,382 |
| Average equity | $42,985,000 | 1,897 |
| Average total loans | $413,043,333 | 1,344 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 812 |
| Cost of funding earning assets | 0.3800% | 989 |
| Net interest margin | 3.5934% | 907 |
| Noninterest income to average assets | 0.3327% | 3,105 |
| Noninterest expense to average assets | 2.6031% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8713% | 2,410 |
| Return on assets (ROA) | 0.8713% | 2,399 |
| Pretax return on assets | 1.1652% | 1,932 |
| Return on Equity (ROE) | 12.5537% | 1,141 |
| Retained earnings to average equity (ytd only) | 12.5537% | 519 |
| Net charge-offs to loans | 0.5044% | 137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.5914% | 1,660 |
| Efficiency ratio | 69.0798% | 2,363 |
| Assets per employee ($millions) | 5.1623% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,419 |
| Loan loss allowance to noncurrent loans | 55.6504% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 228 |
| Noncurrent loans to loans | 2.3159% | 279 |
| Net loans and leases to total assets | 62.9053% | 1,752 |
| Net loans and leases to deposits | 67.5408% | 2,196 |
| Net loans and leases to core deposits | 72.9444% | 2,029 |
| Total domestic deposits to total assets | 93.1368% | 241 |
| Equity capital to assets | 6.7401% | 4,325 |
| Core capital (leverage) ratio | 7.3593% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8018% | 2,680 |
| Memoranda: | ||
| Average total assets | $627,556,500 | 1,438 |
| Average earning assets | $599,992,000 | 1,410 |
| Average equity | $43,557,000 | 1,938 |
| Average total loans | $403,656,500 | 1,361 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 877 |
| Cost of funding earning assets | 0.6116% | 513 |
| Net interest margin | 3.6657% | 1,301 |
| Noninterest income to average assets | 0.1771% | 4,269 |
| Noninterest expense to average assets | 2.4401% | 2,364 |
| Loan and lease loss provision to assets | 0.1299% | 943 |
| Net operating income to assets | 0.8051% | 3,319 |
| Return on assets (ROA) | 0.8083% | 3,382 |
| Pretax return on assets | 1.0886% | 3,011 |
| Return on Equity (ROE) | 13.3719% | 1,350 |
| Retained earnings to average equity (ytd only) | 13.3719% | 360 |
| Net charge-offs to loans | 0.4034% | 207 |
| Credit loss provision to net charge-offs | 49.2914% | 2,144 |
| Earnings coverage of net charge-offs (x) | 4.6069% | 2,485 |
| Efficiency ratio | 66.7674% | 2,155 |
| Assets per employee ($millions) | 4.9612% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,834 |
| Loan loss allowance to noncurrent loans | 53.7414% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 197 |
| Noncurrent loans to loans | 2.6451% | 250 |
| Net loans and leases to total assets | 64.0085% | 1,700 |
| Net loans and leases to deposits | 69.0158% | 2,222 |
| Net loans and leases to core deposits | 74.8105% | 2,016 |
| Total domestic deposits to total assets | 92.7446% | 68 |
| Equity capital to assets | 7.1462% | 4,689 |
| Core capital (leverage) ratio | 7.2440% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4704% | 2,781 |
| Memoranda: | ||
| Average total assets | $615,629,600 | 1,422 |
| Average earning assets | $584,035,000 | 1,405 |
| Average equity | $37,212,400 | 2,190 |
| Average total loans | $402,285,000 | 1,366 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 889 |
| Cost of funding earning assets | 0.6698% | 453 |
| Net interest margin | 3.6789% | 1,387 |
| Noninterest income to average assets | 0.0434% | 4,814 |
| Noninterest expense to average assets | 2.4010% | 2,436 |
| Loan and lease loss provision to assets | 0.1736% | 617 |
| Net operating income to assets | 0.7129% | 3,736 |
| Return on assets (ROA) | 0.7169% | 3,794 |
| Pretax return on assets | 0.9573% | 3,569 |
| Return on Equity (ROE) | 12.4314% | 1,891 |
| Retained earnings to average equity (ytd only) | 12.4314% | 742 |
| Net charge-offs to loans | 0.5128% | 151 |
| Credit loss provision to net charge-offs | 51.7130% | 1,849 |
| Earnings coverage of net charge-offs (x) | 3.3542% | 2,315 |
| Efficiency ratio | 68.0775% | 1,820 |
| Assets per employee ($millions) | 5.1073% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 2,005 |
| Loan loss allowance to noncurrent loans | 58.1570% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 232 |
| Noncurrent loans to loans | 2.4161% | 320 |
| Net loans and leases to total assets | 66.4030% | 1,496 |
| Net loans and leases to deposits | 72.2570% | 2,027 |
| Net loans and leases to core deposits | 79.0740% | 1,813 |
| Total domestic deposits to total assets | 91.8984% | 144 |
| Equity capital to assets | 6.0511% | 4,887 |
| Core capital (leverage) ratio | 5.8975% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4858% | 3,111 |
| Memoranda: | ||
| Average total assets | $614,499,750 | 1,439 |
| Average earning assets | $581,859,000 | 1,427 |
| Average equity | $35,436,250 | 2,300 |
| Average total loans | $402,188,250 | 1,398 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 834 |
| Cost of funding earning assets | 0.7443% | 374 |
| Net interest margin | 3.6737% | 1,413 |
| Noninterest income to average assets | -0.0797% | 4,936 |
| Noninterest expense to average assets | 2.4070% | 2,439 |
| Loan and lease loss provision to assets | 0.0813% | 1,496 |
| Net operating income to assets | 0.6766% | 3,814 |
| Return on assets (ROA) | 0.6826% | 3,869 |
| Pretax return on assets | 0.9112% | 3,637 |
| Return on Equity (ROE) | 12.0334% | 2,046 |
| Retained earnings to average equity (ytd only) | 12.0334% | 908 |
| Net charge-offs to loans | 0.4686% | 179 |
| Credit loss provision to net charge-offs | 26.7666% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.2430% | 2,082 |
| Efficiency ratio | 70.9616% | 1,533 |
| Assets per employee ($millions) | 5.2005% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,855 |
| Loan loss allowance to noncurrent loans | 52.9773% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.3544% | 158 |
| Noncurrent loans to loans | 2.6969% | 288 |
| Net loans and leases to total assets | 64.8172% | 1,850 |
| Net loans and leases to deposits | 72.2497% | 2,186 |
| Net loans and leases to core deposits | 79.1604% | 1,947 |
| Total domestic deposits to total assets | 89.7127% | 916 |
| Equity capital to assets | 5.7100% | 4,930 |
| Core capital (leverage) ratio | 5.6517% | 4,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4125% | 3,096 |
| Memoranda: | ||
| Average total assets | $615,039,667 | 1,431 |
| Average earning assets | $581,207,000 | 1,422 |
| Average equity | $34,886,333 | 2,318 |
| Average total loans | $398,660,667 | 1,415 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 836 |
| Cost of funding earning assets | 0.8407% | 293 |
| Net interest margin | 3.6128% | 1,551 |
| Noninterest income to average assets | -0.1035% | 4,959 |
| Noninterest expense to average assets | 2.4458% | 2,339 |
| Loan and lease loss provision to assets | 0.1638% | 768 |
| Net operating income to assets | 0.5212% | 4,134 |
| Return on assets (ROA) | 0.5300% | 4,156 |
| Pretax return on assets | 0.7076% | 4,000 |
| Return on Equity (ROE) | 9.3763% | 2,899 |
| Retained earnings to average equity (ytd only) | 9.3763% | 1,833 |
| Net charge-offs to loans | 0.7617% | 104 |
| Credit loss provision to net charge-offs | 33.4225% | 1,371 |
| Earnings coverage of net charge-offs (x) | 1.7553% | 1,832 |
| Efficiency ratio | 73.9794% | 1,315 |
| Assets per employee ($millions) | 5.1629% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,570 |
| Loan loss allowance to noncurrent loans | 48.4773% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.9467% | 101 |
| Noncurrent loans to loans | 3.1159% | 244 |
| Net loans and leases to total assets | 64.7396% | 1,947 |
| Net loans and leases to deposits | 69.9730% | 2,508 |
| Net loans and leases to core deposits | 77.1190% | 2,258 |
| Total domestic deposits to total assets | 92.5209% | 67 |
| Equity capital to assets | 5.6232% | 4,955 |
| Core capital (leverage) ratio | 5.5065% | 4,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5462% | 3,068 |
| Memoranda: | ||
| Average total assets | $610,528,000 | 1,428 |
| Average earning assets | $576,166,500 | 1,417 |
| Average equity | $34,512,500 | 2,332 |
| Average total loans | $392,809,500 | 1,441 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 961 |
| Cost of funding earning assets | 1.1935% | 286 |
| Net interest margin | 3.4691% | 2,563 |
| Noninterest income to average assets | 0.1417% | 4,585 |
| Noninterest expense to average assets | 2.5432% | 2,711 |
| Loan and lease loss provision to assets | 0.5175% | 457 |
| Net operating income to assets | 0.2414% | 4,514 |
| Return on assets (ROA) | 0.2808% | 4,526 |
| Pretax return on assets | 0.3713% | 4,457 |
| Return on Equity (ROE) | 4.7404% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.7404% | 2,400 |
| Net charge-offs to loans | 0.4900% | 327 |
| Credit loss provision to net charge-offs | 157.2193% | 2,384 |
| Earnings coverage of net charge-offs (x) | 2.5487% | 3,157 |
| Efficiency ratio | 75.1939% | 1,315 |
| Assets per employee ($millions) | 5.0986% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,035 |
| Loan loss allowance to noncurrent loans | 45.8538% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4090% | 89 |
| Noncurrent loans to loans | 3.7071% | 169 |
| Net loans and leases to total assets | 61.8819% | 2,626 |
| Net loans and leases to deposits | 68.9074% | 2,987 |
| Net loans and leases to core deposits | 77.3635% | 2,611 |
| Total domestic deposits to total assets | 89.8045% | 638 |
| Equity capital to assets | 5.6825% | 4,982 |
| Core capital (leverage) ratio | 5.4847% | 4,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3912% | 3,095 |
| Memoranda: | ||
| Average total assets | $568,072,000 | 1,403 |
| Average earning assets | $530,630,800 | 1,391 |
| Average equity | $33,646,600 | 2,310 |
| Average total loans | $381,647,800 | 1,420 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 786 |
| Cost of funding earning assets | 1.2572% | 299 |
| Net interest margin | 3.6089% | 2,242 |
| Noninterest income to average assets | 0.1546% | 4,520 |
| Noninterest expense to average assets | 2.6191% | 2,486 |
| Loan and lease loss provision to assets | 0.7036% | 299 |
| Net operating income to assets | 0.1441% | 4,658 |
| Return on assets (ROA) | 0.1702% | 4,668 |
| Pretax return on assets | 0.2276% | 4,627 |
| Return on Equity (ROE) | 2.8411% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.8411% | 3,584 |
| Net charge-offs to loans | 0.6394% | 223 |
| Credit loss provision to net charge-offs | 161.0077% | 2,262 |
| Earnings coverage of net charge-offs (x) | 2.0553% | 3,021 |
| Efficiency ratio | 74.4642% | 1,363 |
| Assets per employee ($millions) | 4.9498% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 983 |
| Loan loss allowance to noncurrent loans | 46.1103% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 3.8404% | 87 |
| Noncurrent loans to loans | 3.5739% | 217 |
| Net loans and leases to total assets | 65.6781% | 2,558 |
| Net loans and leases to deposits | 74.8506% | 2,868 |
| Net loans and leases to core deposits | 84.5609% | 2,424 |
| Total domestic deposits to total assets | 87.7456% | 1,323 |
| Equity capital to assets | 5.6742% | 5,012 |
| Core capital (leverage) ratio | 5.4993% | 5,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1693% | 3,119 |
| Memoranda: | ||
| Average total assets | $557,133,000 | 1,408 |
| Average earning assets | $519,116,250 | 1,399 |
| Average equity | $33,366,500 | 2,311 |
| Average total loans | $380,770,250 | 1,413 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 602 |
| Cost of funding earning assets | 1.3159% | 342 |
| Net interest margin | 3.8575% | 1,670 |
| Noninterest income to average assets | 0.0762% | 4,852 |
| Noninterest expense to average assets | 2.7141% | 2,342 |
| Loan and lease loss provision to assets | 0.6256% | 496 |
| Net operating income to assets | 0.2399% | 4,521 |
| Return on assets (ROA) | 0.2675% | 4,511 |
| Pretax return on assets | 0.3573% | 4,455 |
| Return on Equity (ROE) | 4.3519% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.3519% | 2,757 |
| Net charge-offs to loans | 0.9242% | 163 |
| Credit loss provision to net charge-offs | 98.2659% | 2,425 |
| Earnings coverage of net charge-offs (x) | 1.4890% | 2,855 |
| Efficiency ratio | 74.1132% | 1,451 |
| Assets per employee ($millions) | 5.1872% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,670 |
| Loan loss allowance to noncurrent loans | 48.4954% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 3.5447% | 109 |
| Noncurrent loans to loans | 2.8360% | 368 |
| Net loans and leases to total assets | 63.8145% | 2,905 |
| Net loans and leases to deposits | 73.1736% | 3,149 |
| Net loans and leases to core deposits | 82.2779% | 2,759 |
| Total domestic deposits to total assets | 87.2097% | 1,541 |
| Equity capital to assets | 5.5886% | 5,048 |
| Core capital (leverage) ratio | 5.6699% | 5,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2773% | 3,199 |
| Memoranda: | ||
| Average total assets | $543,452,000 | 1,410 |
| Average earning assets | $505,203,667 | 1,407 |
| Average equity | $33,410,667 | 2,297 |
| Average total loans | $374,375,667 | 1,418 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 803 |
| Cost of funding earning assets | 1.4070% | 385 |
| Net interest margin | 3.6874% | 2,367 |
| Noninterest income to average assets | 0.3237% | 3,584 |
| Noninterest expense to average assets | 2.8794% | 2,181 |
| Loan and lease loss provision to assets | 0.4714% | 626 |
| Net operating income to assets | 0.2912% | 4,365 |
| Return on assets (ROA) | 0.2930% | 4,384 |
| Pretax return on assets | 0.3913% | 4,305 |
| Return on Equity (ROE) | 4.5195% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.5195% | 2,493 |
| Net charge-offs to loans | 0.7625% | 200 |
| Credit loss provision to net charge-offs | 86.5801% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.5801% | 2,372 |
| Efficiency ratio | 76.9958% | 1,455 |
| Assets per employee ($millions) | 4.4171% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,439 |
| Loan loss allowance to noncurrent loans | 28.1164% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 5.7847% | 50 |
| Noncurrent loans to loans | 5.2355% | 111 |
| Net loans and leases to total assets | 69.1400% | 2,376 |
| Net loans and leases to deposits | 77.0138% | 2,976 |
| Net loans and leases to core deposits | 88.5652% | 2,478 |
| Total domestic deposits to total assets | 89.7762% | 392 |
| Equity capital to assets | 6.4442% | 5,092 |
| Core capital (leverage) ratio | 6.1577% | 5,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0886% | 3,389 |
| Memoranda: | ||
| Average total assets | $509,133,000 | 1,448 |
| Average earning assets | $471,656,000 | 1,441 |
| Average equity | $33,012,500 | 2,304 |
| Average total loans | $363,539,000 | 1,407 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 889 |
| Cost of funding earning assets | 1.3486% | 665 |
| Net interest margin | 3.9121% | 2,130 |
| Noninterest income to average assets | 0.1650% | 4,663 |
| Noninterest expense to average assets | 2.9327% | 2,199 |
| Loan and lease loss provision to assets | 0.6285% | 189 |
| Net operating income to assets | 0.1423% | 4,897 |
| Return on assets (ROA) | 0.1460% | 4,914 |
| Pretax return on assets | 0.1944% | 4,887 |
| Return on Equity (ROE) | 2.3035% | 4,770 |
| Retained earnings to average equity (ytd only) | 2.3035% | 3,870 |
| Net charge-offs to loans | 0.8717% | 186 |
| Credit loss provision to net charge-offs | 97.4843% | 2,542 |
| Earnings coverage of net charge-offs (x) | 1.2692% | 3,559 |
| Efficiency ratio | 78.1838% | 1,129 |
| Assets per employee ($millions) | 4.2123% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,177 |
| Loan loss allowance to noncurrent loans | 24.3659% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 6.6522% | 29 |
| Noncurrent loans to loans | 6.2199% | 64 |
| Net loans and leases to total assets | 71.5922% | 2,153 |
| Net loans and leases to deposits | 79.9592% | 2,784 |
| Net loans and leases to core deposits | 93.0767% | 2,152 |
| Total domestic deposits to total assets | 89.5359% | 478 |
| Equity capital to assets | 6.5259% | 5,158 |
| Core capital (leverage) ratio | 6.1691% | 5,162 |
| Tier 1 risk-based capital ratio | 8.6563% | 5,166 |
| Total risk-based capital ratio | 9.9126% | 5,165 |
| Memoranda: | ||
| Average total assets | $493,200,800 | 1,447 |
| Average earning assets | $452,088,400 | 1,449 |
| Average equity | $31,256,600 | 2,329 |
| Average total loans | $364,824,600 | 1,370 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 821 |
| Cost of funding earning assets | 1.3214% | 739 |
| Net interest margin | 4.0021% | 1,931 |
| Noninterest income to average assets | 0.1972% | 4,539 |
| Noninterest expense to average assets | 2.9998% | 1,980 |
| Loan and lease loss provision to assets | 0.6365% | 175 |
| Net operating income to assets | 0.1685% | 4,973 |
| Return on assets (ROA) | 0.1696% | 4,986 |
| Pretax return on assets | 0.2243% | 4,968 |
| Return on Equity (ROE) | 2.6958% | 4,814 |
| Retained earnings to average equity (ytd only) | 2.6958% | 4,013 |
| Net charge-offs to loans | 0.8116% | 195 |
| Credit loss provision to net charge-offs | 105.5705% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.4254% | 3,290 |
| Efficiency ratio | 77.7302% | 1,129 |
| Assets per employee ($millions) | 4.1957% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,046 |
| Loan loss allowance to noncurrent loans | 25.4388% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 6.9537% | 35 |
| Noncurrent loans to loans | 6.1961% | 69 |
| Net loans and leases to total assets | 72.2638% | 2,135 |
| Net loans and leases to deposits | 80.7768% | 2,822 |
| Net loans and leases to core deposits | 95.0009% | 2,088 |
| Total domestic deposits to total assets | 89.4610% | 460 |
| Equity capital to assets | 6.4595% | 5,240 |
| Core capital (leverage) ratio | 6.0468% | 5,240 |
| Tier 1 risk-based capital ratio | 8.3752% | 5,243 |
| Total risk-based capital ratio | 9.6335% | 5,242 |
| Memoranda: | ||
| Average total assets | $492,238,500 | 1,453 |
| Average earning assets | $450,423,250 | 1,462 |
| Average equity | $30,961,500 | 2,358 |
| Average total loans | $365,699,500 | 1,378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 867 |
| Cost of funding earning assets | 1.2752% | 803 |
| Net interest margin | 3.9945% | 1,941 |
| Noninterest income to average assets | 0.1315% | 4,918 |
| Noninterest expense to average assets | 2.9970% | 2,015 |
| Loan and lease loss provision to assets | 0.6901% | 152 |
| Net operating income to assets | 0.0737% | 5,075 |
| Return on assets (ROA) | 0.0747% | 5,082 |
| Pretax return on assets | 0.0962% | 5,076 |
| Return on Equity (ROE) | 1.1982% | 5,028 |
| Retained earnings to average equity (ytd only) | 1.1982% | 4,378 |
| Net charge-offs to loans | 1.1272% | 118 |
| Credit loss provision to net charge-offs | 82.0859% | 2,207 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 3,067 |
| Efficiency ratio | 79.2422% | 1,033 |
| Assets per employee ($millions) | 4.1473% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,503 |
| Loan loss allowance to noncurrent loans | 23.0458% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 6.9166% | 40 |
| Noncurrent loans to loans | 6.1971% | 59 |
| Net loans and leases to total assets | 71.9222% | 2,224 |
| Net loans and leases to deposits | 80.7041% | 2,883 |
| Net loans and leases to core deposits | 94.4769% | 2,212 |
| Total domestic deposits to total assets | 89.1184% | 617 |
| Equity capital to assets | 6.2901% | 5,290 |
| Core capital (leverage) ratio | 5.8956% | 5,287 |
| Tier 1 risk-based capital ratio | 8.1368% | 5,289 |
| Total risk-based capital ratio | 9.3943% | 5,289 |
| Memoranda: | ||
| Average total assets | $492,687,330 | 1,452 |
| Average earning assets | $450,267,330 | 1,467 |
| Average equity | $30,712,330 | 2,369 |
| Average total loans | $367,460,000 | 1,378 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 932 |
| Cost of funding earning assets | 1.2265% | 834 |
| Net interest margin | 3.9610% | 1,982 |
| Noninterest income to average assets | 0.1232% | 4,993 |
| Noninterest expense to average assets | 2.9539% | 2,123 |
| Loan and lease loss provision to assets | 0.3672% | 320 |
| Net operating income to assets | 0.3081% | 4,887 |
| Return on assets (ROA) | 0.3101% | 4,892 |
| Pretax return on assets | 0.4096% | 4,826 |
| Return on Equity (ROE) | 4.9973% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.9973% | 2,906 |
| Net charge-offs to loans | 0.5357% | 279 |
| Credit loss provision to net charge-offs | 90.9091% | 1,711 |
| Earnings coverage of net charge-offs (x) | 1.9172% | 2,547 |
| Efficiency ratio | 79.2296% | 1,128 |
| Assets per employee ($millions) | 4.1031% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,318 |
| Loan loss allowance to noncurrent loans | 23.7126% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 7.1621% | 34 |
| Noncurrent loans to loans | 6.3523% | 69 |
| Net loans and leases to total assets | 73.2010% | 1,945 |
| Net loans and leases to deposits | 82.0881% | 2,603 |
| Net loans and leases to core deposits | 91.8551% | 2,311 |
| Total domestic deposits to total assets | 89.1736% | 781 |
| Equity capital to assets | 6.2623% | 5,342 |
| Core capital (leverage) ratio | 5.9781% | 5,342 |
| Tier 1 risk-based capital ratio | 8.1355% | 5,345 |
| Total risk-based capital ratio | 9.3938% | 5,344 |
| Memoranda: | ||
| Average total assets | $490,194,000 | 1,464 |
| Average earning assets | $446,153,000 | 1,488 |
| Average equity | $30,416,500 | 2,390 |
| Average total loans | $369,628,000 | 1,372 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 872 |
| Cost of funding earning assets | 1.0053% | 733 |
| Net interest margin | 4.0821% | 1,745 |
| Noninterest income to average assets | -0.0705% | 5,370 |
| Noninterest expense to average assets | 2.8119% | 2,650 |
| Loan and lease loss provision to assets | 0.3364% | 460 |
| Net operating income to assets | 0.3624% | 4,918 |
| Return on assets (ROA) | 0.3624% | 4,913 |
| Pretax return on assets | 0.4667% | 4,846 |
| Return on Equity (ROE) | 6.2573% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.2573% | 2,054 |
| Net charge-offs to loans | 1.0368% | 140 |
| Credit loss provision to net charge-offs | 42.2780% | 3,266 |
| Earnings coverage of net charge-offs (x) | 1.0092% | 3,661 |
| Efficiency ratio | 77.7839% | 1,147 |
| Assets per employee ($millions) | 4.1010% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,336 |
| Loan loss allowance to noncurrent loans | 22.6668% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 7.9879% | 24 |
| Noncurrent loans to loans | 6.5670% | 61 |
| Net loans and leases to total assets | 75.3594% | 1,720 |
| Net loans and leases to deposits | 84.8024% | 2,430 |
| Net loans and leases to core deposits | 94.7987% | 2,157 |
| Total domestic deposits to total assets | 88.8647% | 916 |
| Equity capital to assets | 6.1471% | 5,376 |
| Core capital (leverage) ratio | 5.8469% | 5,385 |
| Tier 1 risk-based capital ratio | 7.8249% | 5,392 |
| Total risk-based capital ratio | 9.0833% | 5,390 |
| Memoranda: | ||
| Average total assets | $505,284,000 | 1,397 |
| Average earning assets | $456,181,800 | 1,430 |
| Average equity | $29,261,600 | 2,376 |
| Average total loans | $387,814,800 | 1,287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 860 |
| Cost of funding earning assets | 0.9576% | 723 |
| Net interest margin | 4.0835% | 1,679 |
| Noninterest income to average assets | -0.0301% | 5,443 |
| Noninterest expense to average assets | 2.8241% | 2,559 |
| Loan and lease loss provision to assets | 0.0785% | 2,387 |
| Net operating income to assets | 0.5625% | 4,609 |
| Return on assets (ROA) | 0.5625% | 4,616 |
| Pretax return on assets | 0.7480% | 4,430 |
| Return on Equity (ROE) | 9.8586% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.8586% | 966 |
| Net charge-offs to loans | 0.5511% | 272 |
| Credit loss provision to net charge-offs | 18.5414% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.9524% | 3,296 |
| Efficiency ratio | 77.3597% | 1,192 |
| Assets per employee ($millions) | 4.2334% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 920 |
| Loan loss allowance to noncurrent loans | 24.4867% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 8.5708% | 29 |
| Noncurrent loans to loans | 6.8312% | 60 |
| Net loans and leases to total assets | 76.5436% | 1,577 |
| Net loans and leases to deposits | 85.3437% | 2,441 |
| Net loans and leases to core deposits | 95.4043% | 2,170 |
| Total domestic deposits to total assets | 89.6887% | 602 |
| Equity capital to assets | 5.9266% | 5,449 |
| Core capital (leverage) ratio | 5.7608% | 5,459 |
| Tier 1 risk-based capital ratio | 7.5567% | 5,465 |
| Total risk-based capital ratio | 8.8172% | 5,464 |
| Memoranda: | ||
| Average total assets | $509,601,000 | 1,387 |
| Average earning assets | $459,328,500 | 1,416 |
| Average equity | $29,077,250 | 2,397 |
| Average total loans | $391,437,750 | 1,283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 782 |
| Cost of funding earning assets | 0.9202% | 673 |
| Net interest margin | 4.1027% | 1,548 |
| Noninterest income to average assets | -0.0954% | 5,517 |
| Noninterest expense to average assets | 2.8393% | 2,542 |
| Loan and lease loss provision to assets | 0.0391% | 3,125 |
| Net operating income to assets | 0.5321% | 4,676 |
| Return on assets (ROA) | 0.5321% | 4,683 |
| Pretax return on assets | 0.7077% | 4,489 |
| Return on Equity (ROE) | 9.4457% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.4457% | 1,085 |
| Net charge-offs to loans | 0.7198% | 203 |
| Credit loss provision to net charge-offs | 7.1023% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.3565% | 3,070 |
| Efficiency ratio | 79.1758% | 1,100 |
| Assets per employee ($millions) | 4.3469% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 958 |
| Loan loss allowance to noncurrent loans | 29.4091% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 8.0772% | 37 |
| Noncurrent loans to loans | 5.6755% | 101 |
| Net loans and leases to total assets | 75.4582% | 1,723 |
| Net loans and leases to deposits | 83.8243% | 2,556 |
| Net loans and leases to core deposits | 93.3508% | 2,280 |
| Total domestic deposits to total assets | 90.0194% | 568 |
| Equity capital to assets | 5.6962% | 5,514 |
| Core capital (leverage) ratio | 5.5230% | 5,520 |
| Tier 1 risk-based capital ratio | 7.2524% | 5,530 |
| Total risk-based capital ratio | 8.5138% | 5,529 |
| Memoranda: | ||
| Average total assets | $511,542,000 | 1,384 |
| Average earning assets | $459,019,670 | 1,424 |
| Average equity | $28,817,330 | 2,424 |
| Average total loans | $391,193,670 | 1,281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 523 |
| Cost of funding earning assets | 0.8952% | 606 |
| Net interest margin | 4.2703% | 1,007 |
| Noninterest income to average assets | -0.0681% | 5,585 |
| Noninterest expense to average assets | 2.8666% | 2,477 |
| Loan and lease loss provision to assets | 0.0783% | 2,208 |
| Net operating income to assets | 0.6076% | 4,406 |
| Return on assets (ROA) | 0.6076% | 4,411 |
| Pretax return on assets | 0.8081% | 4,127 |
| Return on Equity (ROE) | 10.8467% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.8467% | 930 |
| Net charge-offs to loans | 0.1118% | 1,107 |
| Credit loss provision to net charge-offs | 91.7431% | 1,659 |
| Earnings coverage of net charge-offs (x) | 10.3853% | 1,902 |
| Efficiency ratio | 76.3822% | 1,546 |
| Assets per employee ($millions) | 4.2584% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 531 |
| Loan loss allowance to noncurrent loans | 44.5810% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 7.6977% | 39 |
| Noncurrent loans to loans | 4.5156% | 190 |
| Net loans and leases to total assets | 75.5843% | 1,608 |
| Net loans and leases to deposits | 83.0284% | 2,499 |
| Net loans and leases to core deposits | 88.8032% | 2,562 |
| Total domestic deposits to total assets | 91.0343% | 308 |
| Equity capital to assets | 5.6677% | 5,574 |
| Core capital (leverage) ratio | 5.3778% | 5,585 |
| Tier 1 risk-based capital ratio | 7.0463% | 5,594 |
| Total risk-based capital ratio | 8.3119% | 5,593 |
| Memoranda: | ||
| Average total assets | $510,844,500 | 1,397 |
| Average earning assets | $457,111,500 | 1,440 |
| Average equity | $28,617,000 | 2,459 |
| Average total loans | $389,979,000 | 1,282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 514 |
| Cost of funding earning assets | 0.8543% | 470 |
| Net interest margin | 4.2649% | 1,047 |
| Noninterest income to average assets | 0.1925% | 4,988 |
| Noninterest expense to average assets | 2.7704% | 2,890 |
| Loan and lease loss provision to assets | 0.4805% | 277 |
| Net operating income to assets | 0.1314% | 5,220 |
| Return on assets (ROA) | 0.1318% | 5,225 |
| Pretax return on assets | 0.7059% | 4,495 |
| Return on Equity (ROE) | 2.4301% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.4301% | 3,877 |
| Net charge-offs to loans | 0.5527% | 421 |
| Credit loss provision to net charge-offs | 116.0199% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.8633% | 3,686 |
| Efficiency ratio | 70.0269% | 2,540 |
| Assets per employee ($millions) | 4.3272% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0249% | 515 |
| Loan loss allowance to noncurrent loans | 46.8873% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 7.7986% | 39 |
| Noncurrent loans to loans | 4.3186% | 204 |
| Net loans and leases to total assets | 74.0258% | 1,921 |
| Net loans and leases to deposits | 81.1300% | 2,801 |
| Net loans and leases to core deposits | 86.4601% | 2,880 |
| Total domestic deposits to total assets | 91.2434% | 185 |
| Equity capital to assets | 5.5372% | 5,638 |
| Core capital (leverage) ratio | 5.0888% | 5,652 |
| Tier 1 risk-based capital ratio | 6.8190% | 5,659 |
| Total risk-based capital ratio | 8.0865% | 5,658 |
| Memoranda: | ||
| Average total assets | $535,089,200 | 1,314 |
| Average earning assets | $472,204,000 | 1,381 |
| Average equity | $29,011,600 | 2,426 |
| Average total loans | $400,917,600 | 1,229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 494 |
| Cost of funding earning assets | 0.8504% | 453 |
| Net interest margin | 4.2591% | 1,030 |
| Noninterest income to average assets | 0.1308% | 5,353 |
| Noninterest expense to average assets | 2.8356% | 2,614 |
| Loan and lease loss provision to assets | 0.2488% | 695 |
| Net operating income to assets | 0.5268% | 4,656 |
| Return on assets (ROA) | 0.5273% | 4,689 |
| Pretax return on assets | 0.7946% | 4,363 |
| Return on Equity (ROE) | 9.7745% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.7745% | 635 |
| Net charge-offs to loans | 0.5381% | 375 |
| Credit loss provision to net charge-offs | 61.8405% | 2,785 |
| Earnings coverage of net charge-offs (x) | 2.5914% | 3,445 |
| Efficiency ratio | 73.1144% | 2,023 |
| Assets per employee ($millions) | 4.4489% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 967 |
| Loan loss allowance to noncurrent loans | 39.0262% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 8.9159% | 32 |
| Noncurrent loans to loans | 4.4509% | 200 |
| Net loans and leases to total assets | 74.3629% | 1,862 |
| Net loans and leases to deposits | 81.7335% | 2,806 |
| Net loans and leases to core deposits | 86.5307% | 2,920 |
| Total domestic deposits to total assets | 90.9822% | 189 |
| Equity capital to assets | 5.7567% | 5,704 |
| Core capital (leverage) ratio | 4.8768% | 5,721 |
| Tier 1 risk-based capital ratio | 6.5573% | 5,723 |
| Total risk-based capital ratio | 7.8227% | 5,723 |
| Memoranda: | ||
| Average total assets | $540,127,000 | 1,311 |
| Average earning assets | $475,241,500 | 1,380 |
| Average equity | $29,136,250 | 2,437 |
| Average total loans | $403,880,750 | 1,232 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 417 |
| Cost of funding earning assets | 0.8413% | 420 |
| Net interest margin | 4.3307% | 801 |
| Noninterest income to average assets | 0.2333% | 4,837 |
| Noninterest expense to average assets | 2.8130% | 2,709 |
| Loan and lease loss provision to assets | 0.2597% | 633 |
| Net operating income to assets | 0.6416% | 4,123 |
| Return on assets (ROA) | 0.6424% | 4,166 |
| Pretax return on assets | 0.9689% | 3,693 |
| Return on Equity (ROE) | 12.1704% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.1704% | 306 |
| Net charge-offs to loans | 0.4310% | 470 |
| Credit loss provision to net charge-offs | 80.9143% | 2,250 |
| Earnings coverage of net charge-offs (x) | 3.8240% | 3,000 |
| Efficiency ratio | 69.6205% | 2,746 |
| Assets per employee ($millions) | 4.6054% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 855 |
| Loan loss allowance to noncurrent loans | 43.8353% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 8.7899% | 35 |
| Noncurrent loans to loans | 4.1419% | 221 |
| Net loans and leases to total assets | 72.5848% | 2,111 |
| Net loans and leases to deposits | 79.3448% | 2,988 |
| Net loans and leases to core deposits | 84.1159% | 3,055 |
| Total domestic deposits to total assets | 91.4803% | 135 |
| Equity capital to assets | 5.4552% | 5,758 |
| Core capital (leverage) ratio | 4.6669% | 5,772 |
| Tier 1 risk-based capital ratio | 6.2567% | 5,773 |
| Total risk-based capital ratio | 7.5235% | 5,773 |
| Memoranda: | ||
| Average total assets | $545,178,000 | 1,308 |
| Average earning assets | $479,271,670 | 1,372 |
| Average equity | $28,774,670 | 2,451 |
| Average total loans | $406,078,670 | 1,232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 356 |
| Cost of funding earning assets | 0.8424% | 389 |
| Net interest margin | 4.3997% | 641 |
| Noninterest income to average assets | 0.0346% | 5,757 |
| Noninterest expense to average assets | 2.7888% | 2,831 |
| Loan and lease loss provision to assets | 0.3001% | 450 |
| Net operating income to assets | 0.5280% | 4,479 |
| Return on assets (ROA) | 0.5289% | 4,511 |
| Pretax return on assets | 0.7967% | 4,121 |
| Return on Equity (ROE) | 10.1937% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.1937% | 772 |
| Net charge-offs to loans | 0.2932% | 622 |
| Credit loss provision to net charge-offs | 136.9128% | 1,272 |
| Earnings coverage of net charge-offs (x) | 4.9966% | 2,328 |
| Efficiency ratio | 71.7992% | 2,614 |
| Assets per employee ($millions) | 4.5883% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 818 |
| Loan loss allowance to noncurrent loans | 41.3668% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 9.8953% | 35 |
| Noncurrent loans to loans | 4.5433% | 196 |
| Net loans and leases to total assets | 73.6030% | 1,805 |
| Net loans and leases to deposits | 79.5376% | 2,805 |
| Net loans and leases to core deposits | 84.1502% | 2,888 |
| Total domestic deposits to total assets | 92.5387% | 56 |
| Equity capital to assets | 5.3000% | 5,825 |
| Core capital (leverage) ratio | 4.4551% | 5,837 |
| Tier 1 risk-based capital ratio | 5.8319% | 5,843 |
| Total risk-based capital ratio | 7.1004% | 5,842 |
| Memoranda: | ||
| Average total assets | $543,743,500 | 1,313 |
| Average earning assets | $475,756,000 | 1,389 |
| Average equity | $28,213,500 | 2,500 |
| Average total loans | $406,540,500 | 1,234 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8863% | 761 |
| Cost of funding earning assets | 0.8127% | 467 |
| Net interest margin | 4.0736% | 1,444 |
| Noninterest income to average assets | 0.0274% | 5,813 |
| Noninterest expense to average assets | 2.7368% | 3,236 |
| Loan and lease loss provision to assets | 0.5466% | 246 |
| Net operating income to assets | 2.0752% | 272 |
| Return on assets (ROA) | 2.0783% | 280 |
| Pretax return on assets | 0.3526% | 5,292 |
| Return on Equity (ROE) | 53.2368% | 8 |
| Retained earnings to average equity (ytd only) | 53.2368% | 2 |
| Net charge-offs to loans | 0.4707% | 528 |
| Credit loss provision to net charge-offs | 156.7439% | 1,759 |
| Earnings coverage of net charge-offs (x) | 2.5695% | 3,808 |
| Efficiency ratio | 75.3338% | 2,089 |
| Assets per employee ($millions) | 4.7075% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 876 |
| Loan loss allowance to noncurrent loans | 39.0258% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 9.9986% | 34 |
| Noncurrent loans to loans | 4.7370% | 182 |
| Net loans and leases to total assets | 73.1455% | 1,986 |
| Net loans and leases to deposits | 78.8018% | 3,011 |
| Net loans and leases to core deposits | 83.7088% | 3,052 |
| Total domestic deposits to total assets | 92.8222% | 50 |
| Equity capital to assets | 5.0785% | 5,876 |
| Core capital (leverage) ratio | 4.5671% | 5,887 |
| Tier 1 risk-based capital ratio | 6.0219% | 5,894 |
| Total risk-based capital ratio | 7.2865% | 5,893 |
| Memoranda: | ||
| Average total assets | $544,240,000 | 1,273 |
| Average earning assets | $481,712,800 | 1,316 |
| Average equity | $21,246,600 | 3,043 |
| Average total loans | $403,198,600 | 1,194 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 795 |
| Cost of funding earning assets | 0.8137% | 465 |
| Net interest margin | 4.0453% | 1,540 |
| Noninterest income to average assets | 0.0044% | 5,915 |
| Noninterest expense to average assets | 2.7957% | 3,024 |
| Loan and lease loss provision to assets | 0.4107% | 348 |
| Net operating income to assets | 2.8388% | 102 |
| Return on assets (ROA) | 2.8430% | 105 |
| Pretax return on assets | 0.3921% | 5,320 |
| Return on Equity (ROE) | 78.7741% | 6 |
| Retained earnings to average equity (ytd only) | 78.7741% | 1 |
| Net charge-offs to loans | 0.4707% | 448 |
| Credit loss provision to net charge-offs | 117.9577% | 2,122 |
| Earnings coverage of net charge-offs (x) | 2.2937% | 3,588 |
| Efficiency ratio | 77.7816% | 1,717 |
| Assets per employee ($millions) | 4.7197% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,311 |
| Loan loss allowance to noncurrent loans | 40.4406% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 9.6524% | 44 |
| Noncurrent loans to loans | 4.0989% | 261 |
| Net loans and leases to total assets | 72.6150% | 2,089 |
| Net loans and leases to deposits | 78.1585% | 3,170 |
| Net loans and leases to core deposits | 82.9093% | 3,219 |
| Total domestic deposits to total assets | 92.9073% | 38 |
| Equity capital to assets | 5.2615% | 5,944 |
| Core capital (leverage) ratio | 4.4313% | 5,956 |
| Tier 1 risk-based capital ratio | 5.9275% | 5,962 |
| Total risk-based capital ratio | 7.1902% | 5,962 |
| Memoranda: | ||
| Average total assets | $543,782,750 | 1,271 |
| Average earning assets | $482,551,250 | 1,318 |
| Average equity | $19,625,250 | 3,231 |
| Average total loans | $402,261,250 | 1,198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 902 |
| Cost of funding earning assets | 0.8016% | 487 |
| Net interest margin | 3.9908% | 1,669 |
| Noninterest income to average assets | 0.0833% | 5,832 |
| Noninterest expense to average assets | 2.7953% | 3,045 |
| Loan and lease loss provision to assets | 0.4700% | 293 |
| Net operating income to assets | 0.3734% | 5,113 |
| Return on assets (ROA) | 0.3760% | 5,188 |
| Pretax return on assets | 0.3775% | 5,374 |
| Return on Equity (ROE) | 12.3151% | 1,208 |
| Retained earnings to average equity (ytd only) | 12.3151% | 287 |
| Net charge-offs to loans | 0.5608% | 375 |
| Credit loss provision to net charge-offs | 113.2327% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.0355% | 3,336 |
| Efficiency ratio | 76.7899% | 1,964 |
| Assets per employee ($millions) | 4.7173% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 1,482 |
| Loan loss allowance to noncurrent loans | 32.4557% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 10.2032% | 44 |
| Noncurrent loans to loans | 4.9786% | 173 |
| Net loans and leases to total assets | 74.0201% | 1,836 |
| Net loans and leases to deposits | 77.2818% | 3,234 |
| Net loans and leases to core deposits | 81.8962% | 3,281 |
| Total domestic deposits to total assets | 95.7795% | 8 |
| Equity capital to assets | 3.3437% | 6,046 |
| Core capital (leverage) ratio | 3.3778% | 6,043 |
| Tier 1 risk-based capital ratio | 4.4981% | 6,044 |
| Total risk-based capital ratio | 5.7526% | 6,045 |
| Memoranda: | ||
| Average total assets | $542,549,670 | 1,281 |
| Average earning assets | $483,560,000 | 1,318 |
| Average equity | $16,565,000 | 3,652 |
| Average total loans | $401,596,670 | 1,207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 956 |
| Cost of funding earning assets | 0.8007% | 491 |
| Net interest margin | 3.9472% | 1,794 |
| Noninterest income to average assets | -0.2012% | 6,108 |
| Noninterest expense to average assets | 2.8274% | 2,969 |
| Loan and lease loss provision to assets | 0.4053% | 339 |
| Net operating income to assets | 0.0724% | 5,719 |
| Return on assets (ROA) | 0.0759% | 5,756 |
| Pretax return on assets | 0.0788% | 5,759 |
| Return on Equity (ROE) | 2.5675% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.5675% | 4,217 |
| Net charge-offs to loans | 0.7559% | 270 |
| Credit loss provision to net charge-offs | 73.0412% | 1,887 |
| Earnings coverage of net charge-offs (x) | 0.8659% | 2,888 |
| Efficiency ratio | 85.4756% | 1,024 |
| Assets per employee ($millions) | 4.6825% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,722 |
| Loan loss allowance to noncurrent loans | 29.1253% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 10.7515% | 47 |
| Noncurrent loans to loans | 5.3847% | 172 |
| Net loans and leases to total assets | 72.1374% | 2,014 |
| Net loans and leases to deposits | 75.4802% | 3,282 |
| Net loans and leases to core deposits | 79.8398% | 3,336 |
| Total domestic deposits to total assets | 95.5712% | 11 |
| Equity capital to assets | 3.0003% | 6,105 |
| Core capital (leverage) ratio | 3.0944% | 6,106 |
| Tier 1 risk-based capital ratio | 4.2111% | 6,106 |
| Total risk-based capital ratio | 5.4651% | 6,108 |
| Memoranda: | ||
| Average total assets | $542,836,500 | 1,279 |
| Average earning assets | $482,575,000 | 1,318 |
| Average equity | $16,047,000 | 3,728 |
| Average total loans | $398,486,000 | 1,209 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,077 |
| Cost of funding earning assets | 0.8264% | 429 |
| Net interest margin | 3.8865% | 2,075 |
| Noninterest income to average assets | -0.2556% | 6,165 |
| Noninterest expense to average assets | 2.7280% | 3,490 |
| Loan and lease loss provision to assets | 0.2834% | 635 |
| Net operating income to assets | 0.1463% | 5,685 |
| Return on assets (ROA) | 0.1468% | 5,737 |
| Pretax return on assets | 0.1525% | 5,748 |
| Return on Equity (ROE) | 4.9021% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.9021% | 2,494 |
| Net charge-offs to loans | 0.7444% | 315 |
| Credit loss provision to net charge-offs | 52.1710% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.8014% | 4,179 |
| Efficiency ratio | 86.2370% | 976 |
| Assets per employee ($millions) | 4.4467% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 1,560 |
| Loan loss allowance to noncurrent loans | 28.7268% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 11.5795% | 40 |
| Noncurrent loans to loans | 5.6252% | 157 |
| Net loans and leases to total assets | 72.3422% | 1,991 |
| Net loans and leases to deposits | 75.1662% | 3,358 |
| Net loans and leases to core deposits | 79.4240% | 3,399 |
| Total domestic deposits to total assets | 96.2431% | 8 |
| Equity capital to assets | 2.9108% | 6,166 |
| Core capital (leverage) ratio | 3.0730% | 6,165 |
| Tier 1 risk-based capital ratio | 4.1769% | 6,169 |
| Total risk-based capital ratio | 5.4314% | 6,170 |
| Memoranda: | ||
| Average total assets | $546,881,600 | 1,244 |
| Average earning assets | $481,099,800 | 1,288 |
| Average equity | $16,380,600 | 3,621 |
| Average total loans | $399,138,800 | 1,156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,118 |
| Cost of funding earning assets | 0.8285% | 428 |
| Net interest margin | 3.8589% | 2,160 |
| Noninterest income to average assets | -0.2450% | 6,253 |
| Noninterest expense to average assets | 2.6952% | 3,580 |
| Loan and lease loss provision to assets | 0.0730% | 2,708 |
| Net operating income to assets | 0.3745% | 5,247 |
| Return on assets (ROA) | 0.3752% | 5,327 |
| Pretax return on assets | 0.3759% | 5,509 |
| Return on Equity (ROE) | 12.4392% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.4392% | 321 |
| Net charge-offs to loans | 0.3514% | 749 |
| Credit loss provision to net charge-offs | 28.5171% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.7510% | 3,785 |
| Efficiency ratio | 85.7419% | 1,017 |
| Assets per employee ($millions) | 4.5126% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 1,326 |
| Loan loss allowance to noncurrent loans | 30.2213% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 12.1498% | 39 |
| Noncurrent loans to loans | 5.8481% | 145 |
| Net loans and leases to total assets | 73.0286% | 1,902 |
| Net loans and leases to deposits | 76.5362% | 3,238 |
| Net loans and leases to core deposits | 80.8804% | 3,353 |
| Total domestic deposits to total assets | 95.4171% | 13 |
| Equity capital to assets | 3.0952% | 6,253 |
| Core capital (leverage) ratio | 3.1818% | 6,254 |
| Tier 1 risk-based capital ratio | 4.3108% | 6,256 |
| Total risk-based capital ratio | 5.5672% | 6,257 |
| Memoranda: | ||
| Average total assets | $547,978,250 | 1,244 |
| Average earning assets | $481,162,000 | 1,296 |
| Average equity | $16,528,000 | 3,622 |
| Average total loans | $399,198,750 | 1,158 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 1,272 |
| Cost of funding earning assets | 0.8275% | 437 |
| Net interest margin | 3.7756% | 2,422 |
| Noninterest income to average assets | 0.2584% | 5,106 |
| Noninterest expense to average assets | 2.6129% | 3,872 |
| Loan and lease loss provision to assets | 0.4790% | 215 |
| Net operating income to assets | 0.4775% | 4,860 |
| Return on assets (ROA) | 0.4782% | 4,960 |
| Pretax return on assets | 0.4782% | 5,282 |
| Return on Equity (ROE) | 15.0600% | 719 |
| Retained earnings to average equity (ytd only) | 15.0600% | 184 |
| Net charge-offs to loans | 1.1888% | 156 |
| Credit loss provision to net charge-offs | 55.6492% | 2,644 |
| Earnings coverage of net charge-offs (x) | 1.1113% | 3,577 |
| Efficiency ratio | 73.2032% | 2,800 |
| Assets per employee ($millions) | 4.7068% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,612 |
| Loan loss allowance to noncurrent loans | 26.5237% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 12.7958% | 38 |
| Noncurrent loans to loans | 6.3944% | 139 |
| Net loans and leases to total assets | 71.7290% | 2,035 |
| Net loans and leases to deposits | 74.9628% | 3,389 |
| Net loans and leases to core deposits | 79.1014% | 3,479 |
| Total domestic deposits to total assets | 95.6862% | 11 |
| Equity capital to assets | 3.2299% | 6,328 |
| Core capital (leverage) ratio | 3.3983% | 6,326 |
| Tier 1 risk-based capital ratio | 4.5941% | 6,330 |
| Total risk-based capital ratio | 5.8495% | 6,331 |
| Memoranda: | ||
| Average total assets | $551,186,000 | 1,243 |
| Average earning assets | $483,361,670 | 1,303 |
| Average equity | $17,503,330 | 3,500 |
| Average total loans | $399,068,670 | 1,155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,377 |
| Cost of funding earning assets | 0.8334% | 417 |
| Net interest margin | 3.6971% | 2,625 |
| Noninterest income to average assets | 0.2669% | 5,044 |
| Noninterest expense to average assets | 2.6058% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8982% | 2,750 |
| Return on assets (ROA) | 0.8990% | 2,872 |
| Pretax return on assets | 0.8990% | 3,898 |
| Return on Equity (ROE) | 26.1547% | 92 |
| Retained earnings to average equity (ytd only) | 26.1547% | 39 |
| Net charge-offs to loans | 0.5837% | 425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.1195% | 2,818 |
| Efficiency ratio | 74.3653% | 2,753 |
| Assets per employee ($millions) | 4.7313% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4873% | 539 |
| Loan loss allowance to noncurrent loans | 29.0953% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 14.3331% | 31 |
| Noncurrent loans to loans | 8.5490% | 86 |
| Net loans and leases to total assets | 70.3526% | 2,087 |
| Net loans and leases to deposits | 73.1987% | 3,403 |
| Net loans and leases to core deposits | 77.0048% | 3,489 |
| Total domestic deposits to total assets | 96.1118% | 6 |
| Equity capital to assets | 3.5512% | 6,396 |
| Core capital (leverage) ratio | 3.6751% | 6,396 |
| Tier 1 risk-based capital ratio | 4.9939% | 6,398 |
| Total risk-based capital ratio | 6.2586% | 6,400 |
| Memoranda: | ||
| Average total assets | $553,080,000 | 1,247 |
| Average earning assets | $484,274,000 | 1,310 |
| Average equity | $19,010,000 | 3,336 |
| Average total loans | $401,593,500 | 1,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 934 |
| Cost of funding earning assets | 0.8915% | 406 |
| Net interest margin | 4.0024% | 1,892 |
| Noninterest income to average assets | 0.3151% | 4,866 |
| Noninterest expense to average assets | 2.6239% | 4,130 |
| Loan and lease loss provision to assets | 0.4775% | 333 |
| Net operating income to assets | 0.7189% | 3,798 |
| Return on assets (ROA) | 0.7247% | 3,877 |
| Pretax return on assets | 0.7252% | 4,528 |
| Return on Equity (ROE) | 25.5372% | 95 |
| Retained earnings to average equity (ytd only) | 25.5372% | 35 |
| Net charge-offs to loans | 0.4836% | 860 |
| Credit loss provision to net charge-offs | 135.6887% | 1,739 |
| Earnings coverage of net charge-offs (x) | 3.4014% | 3,900 |
| Efficiency ratio | 68.6740% | 3,776 |
| Assets per employee ($millions) | 4.6830% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6052% | 483 |
| Loan loss allowance to noncurrent loans | 43.2690% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 12.5179% | 53 |
| Noncurrent loans to loans | 6.0210% | 189 |
| Net loans and leases to total assets | 71.1707% | 2,050 |
| Net loans and leases to deposits | 73.8658% | 3,453 |
| Net loans and leases to core deposits | 77.7955% | 3,540 |
| Total domestic deposits to total assets | 96.3514% | 9 |
| Equity capital to assets | 3.3229% | 6,488 |
| Core capital (leverage) ratio | 3.4777% | 6,487 |
| Tier 1 risk-based capital ratio | 4.7301% | 6,490 |
| Total risk-based capital ratio | 5.9969% | 6,492 |
| Memoranda: | ||
| Average total assets | $555,021,000 | 1,204 |
| Average earning assets | $486,129,600 | 1,265 |
| Average equity | $15,749,600 | 3,716 |
| Average total loans | $403,857,800 | 1,092 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 923 |
| Cost of funding earning assets | 0.9039% | 411 |
| Net interest margin | 3.9995% | 1,881 |
| Noninterest income to average assets | 0.4055% | 4,207 |
| Noninterest expense to average assets | 2.8474% | 3,297 |
| Loan and lease loss provision to assets | 0.3959% | 431 |
| Net operating income to assets | 0.6693% | 4,108 |
| Return on assets (ROA) | 0.6769% | 4,158 |
| Pretax return on assets | 0.6779% | 4,771 |
| Return on Equity (ROE) | 24.9146% | 106 |
| Retained earnings to average equity (ytd only) | 24.9146% | 35 |
| Net charge-offs to loans | 0.3846% | 1,038 |
| Credit loss provision to net charge-offs | 141.6309% | 1,667 |
| Earnings coverage of net charge-offs (x) | 3.8137% | 3,588 |
| Efficiency ratio | 72.7574% | 3,051 |
| Assets per employee ($millions) | 4.8659% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5384% | 617 |
| Loan loss allowance to noncurrent loans | 44.9601% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 12.5331% | 57 |
| Noncurrent loans to loans | 5.6459% | 275 |
| Net loans and leases to total assets | 71.9781% | 1,854 |
| Net loans and leases to deposits | 75.3852% | 3,258 |
| Net loans and leases to core deposits | 79.5859% | 3,364 |
| Total domestic deposits to total assets | 95.4804% | 21 |
| Equity capital to assets | 3.0456% | 6,564 |
| Core capital (leverage) ratio | 3.2520% | 6,564 |
| Tier 1 risk-based capital ratio | 4.6017% | 6,567 |
| Total risk-based capital ratio | 5.8691% | 6,568 |
| Memoranda: | ||
| Average total assets | $555,627,750 | 1,207 |
| Average earning assets | $487,350,250 | 1,272 |
| Average equity | $15,096,500 | 3,836 |
| Average total loans | $403,871,000 | 1,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 964 |
| Cost of funding earning assets | 0.9180% | 386 |
| Net interest margin | 3.9493% | 1,972 |
| Noninterest income to average assets | 0.4556% | 3,828 |
| Noninterest expense to average assets | 2.7434% | 3,720 |
| Loan and lease loss provision to assets | 0.4484% | 360 |
| Net operating income to assets | 0.7253% | 3,697 |
| Return on assets (ROA) | 0.7275% | 3,786 |
| Pretax return on assets | 0.7289% | 4,538 |
| Return on Equity (ROE) | 27.8827% | 76 |
| Retained earnings to average equity (ytd only) | 27.8827% | 36 |
| Net charge-offs to loans | 0.4872% | 823 |
| Credit loss provision to net charge-offs | 127.2912% | 1,635 |
| Earnings coverage of net charge-offs (x) | 3.3360% | 3,337 |
| Efficiency ratio | 70.0110% | 3,661 |
| Assets per employee ($millions) | 4.6906% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4900% | 724 |
| Loan loss allowance to noncurrent loans | 51.9753% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 11.8034% | 72 |
| Noncurrent loans to loans | 4.7908% | 436 |
| Net loans and leases to total assets | 71.3950% | 1,845 |
| Net loans and leases to deposits | 73.8507% | 3,338 |
| Net loans and leases to core deposits | 77.8736% | 3,457 |
| Total domestic deposits to total assets | 96.6747% | 11 |
| Equity capital to assets | 2.8700% | 6,632 |
| Core capital (leverage) ratio | 3.0561% | 6,633 |
| Tier 1 risk-based capital ratio | 4.4223% | 6,636 |
| Total risk-based capital ratio | 5.6875% | 6,638 |
| Memoranda: | ||
| Average total assets | $557,554,000 | 1,199 |
| Average earning assets | $488,894,330 | 1,264 |
| Average equity | $14,546,670 | 3,936 |
| Average total loans | $403,135,000 | 1,085 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 1,022 |
| Cost of funding earning assets | 0.9330% | 376 |
| Net interest margin | 3.8773% | 2,165 |
| Noninterest income to average assets | 0.5518% | 3,037 |
| Noninterest expense to average assets | 2.6005% | 4,269 |
| Loan and lease loss provision to assets | 0.7148% | 169 |
| Net operating income to assets | 0.6319% | 4,037 |
| Return on assets (ROA) | 0.6362% | 4,108 |
| Pretax return on assets | 0.6390% | 4,699 |
| Return on Equity (ROE) | 25.6530% | 109 |
| Retained earnings to average equity (ytd only) | 25.6530% | 54 |
| Net charge-offs to loans | 0.4238% | 862 |
| Credit loss provision to net charge-offs | 234.7418% | 938 |
| Earnings coverage of net charge-offs (x) | 4.4319% | 2,529 |
| Efficiency ratio | 65.8342% | 4,556 |
| Assets per employee ($millions) | 4.7561% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5789% | 734 |
| Loan loss allowance to noncurrent loans | 55.8588% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 11.5130% | 82 |
| Noncurrent loans to loans | 4.6169% | 509 |
| Net loans and leases to total assets | 69.3936% | 1,994 |
| Net loans and leases to deposits | 71.4855% | 3,411 |
| Net loans and leases to core deposits | 77.1914% | 3,282 |
| Total domestic deposits to total assets | 97.0736% | 11 |
| Equity capital to assets | 2.5824% | 6,701 |
| Core capital (leverage) ratio | 2.8420% | 6,705 |
| Tier 1 risk-based capital ratio | 4.1643% | 6,707 |
| Total risk-based capital ratio | 5.4308% | 6,709 |
| Memoranda: | ||
| Average total assets | $559,585,500 | 1,196 |
| Average earning assets | $490,447,000 | 1,267 |
| Average equity | $13,877,500 | 4,066 |
| Average total loans | $402,074,500 | 1,094 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 1,272 |
| Cost of funding earning assets | 1.1628% | 209 |
| Net interest margin | 3.6582% | 3,222 |
| Noninterest income to average assets | 0.0547% | 6,538 |
| Noninterest expense to average assets | 2.6383% | 4,323 |
| Loan and lease loss provision to assets | 0.8132% | 257 |
| Net operating income to assets | -0.2313% | 6,381 |
| Return on assets (ROA) | -0.2053% | 6,380 |
| Pretax return on assets | -0.2053% | 6,357 |
| Return on Equity (ROE) | -7.6380% | 6,548 |
| Retained earnings to average equity (ytd only) | -7.6380% | 6,485 |
| Net charge-offs to loans | 1.4684% | 327 |
| Credit loss provision to net charge-offs | 77.7796% | 3,099 |
| Earnings coverage of net charge-offs (x) | 0.5566% | 4,895 |
| Efficiency ratio | 81.9295% | 1,885 |
| Assets per employee ($millions) | 4.6099% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 877 |
| Loan loss allowance to noncurrent loans | 52.3419% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 11.9957% | 82 |
| Noncurrent loans to loans | 4.6801% | 556 |
| Net loans and leases to total assets | 70.7125% | 1,899 |
| Net loans and leases to deposits | 72.7008% | 3,429 |
| Net loans and leases to core deposits | 77.0045% | 3,489 |
| Total domestic deposits to total assets | 97.2651% | 14 |
| Equity capital to assets | 2.3751% | 6,778 |
| Core capital (leverage) ratio | 2.7049% | 6,778 |
| Tier 1 risk-based capital ratio | 3.9341% | 6,785 |
| Total risk-based capital ratio | 5.2000% | 6,785 |
| Memoranda: | ||
| Average total assets | $578,100,600 | 1,152 |
| Average earning assets | $500,242,200 | 1,219 |
| Average equity | $15,540,800 | 3,776 |
| Average total loans | $411,597,800 | 1,032 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7573% | 1,461 |
| Cost of funding earning assets | 1.2084% | 192 |
| Net interest margin | 3.5489% | 3,660 |
| Noninterest income to average assets | 0.1570% | 6,250 |
| Noninterest expense to average assets | 2.6197% | 4,328 |
| Loan and lease loss provision to assets | 0.5707% | 445 |
| Net operating income to assets | 0.1157% | 6,110 |
| Return on assets (ROA) | 0.1271% | 6,150 |
| Pretax return on assets | 0.0413% | 6,269 |
| Return on Equity (ROE) | 4.6009% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.6009% | 3,395 |
| Net charge-offs to loans | 1.7368% | 244 |
| Credit loss provision to net charge-offs | 46.3491% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.4878% | 4,701 |
| Efficiency ratio | 81.3505% | 1,925 |
| Assets per employee ($millions) | 4.8780% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 1,624 |
| Loan loss allowance to noncurrent loans | 32.0202% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 12.8802% | 72 |
| Noncurrent loans to loans | 6.3830% | 369 |
| Net loans and leases to total assets | 68.8008% | 2,177 |
| Net loans and leases to deposits | 71.0885% | 3,628 |
| Net loans and leases to core deposits | 75.3135% | 3,698 |
| Total domestic deposits to total assets | 96.7818% | 11 |
| Equity capital to assets | 2.7635% | 6,853 |
| Core capital (leverage) ratio | 2.7403% | 6,861 |
| Tier 1 risk-based capital ratio | 4.0231% | 6,866 |
| Total risk-based capital ratio | 5.2835% | 6,866 |
| Memoranda: | ||
| Average total assets | $584,327,750 | 1,150 |
| Average earning assets | $504,365,500 | 1,219 |
| Average equity | $16,141,250 | 3,722 |
| Average total loans | $414,247,500 | 1,030 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 1,502 |
| Cost of funding earning assets | 1.2327% | 188 |
| Net interest margin | 3.4922% | 3,812 |
| Noninterest income to average assets | 0.1556% | 6,277 |
| Noninterest expense to average assets | 2.6186% | 4,320 |
| Loan and lease loss provision to assets | 0.5098% | 527 |
| Net operating income to assets | 0.0764% | 6,183 |
| Return on assets (ROA) | 0.0934% | 6,226 |
| Pretax return on assets | 0.0934% | 6,238 |
| Return on Equity (ROE) | 3.3816% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.3816% | 4,171 |
| Net charge-offs to loans | 1.8299% | 253 |
| Credit loss provision to net charge-offs | 39.1804% | 3,433 |
| Earnings coverage of net charge-offs (x) | 0.4505% | 4,390 |
| Efficiency ratio | 81.7084% | 1,928 |
| Assets per employee ($millions) | 4.7150% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,590 |
| Loan loss allowance to noncurrent loans | 25.6419% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 13.5514% | 76 |
| Noncurrent loans to loans | 8.2623% | 240 |
| Net loans and leases to total assets | 69.2073% | 2,032 |
| Net loans and leases to deposits | 71.5190% | 3,523 |
| Net loans and leases to core deposits | 75.5952% | 3,593 |
| Total domestic deposits to total assets | 96.7677% | 13 |
| Equity capital to assets | 2.7642% | 6,907 |
| Core capital (leverage) ratio | 2.7174% | 6,912 |
| Tier 1 risk-based capital ratio | 3.9983% | 6,911 |
| Total risk-based capital ratio | 5.2600% | 6,911 |
| Memoranda: | ||
| Average total assets | $588,860,670 | 1,142 |
| Average earning assets | $514,172,000 | 1,200 |
| Average equity | $16,264,330 | 3,732 |
| Average total loans | $418,710,330 | 1,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,653 |
| Cost of funding earning assets | 1.2620% | 181 |
| Net interest margin | 3.3977% | 4,130 |
| Noninterest income to average assets | 0.2877% | 5,397 |
| Noninterest expense to average assets | 2.5653% | 4,513 |
| Loan and lease loss provision to assets | 0.6099% | 413 |
| Net operating income to assets | 0.1320% | 6,090 |
| Return on assets (ROA) | 0.1320% | 6,182 |
| Pretax return on assets | 0.1320% | 6,206 |
| Return on Equity (ROE) | 4.7806% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.7806% | 3,369 |
| Net charge-offs to loans | 2.5697% | 157 |
| Credit loss provision to net charge-offs | 33.2841% | 2,846 |
| Earnings coverage of net charge-offs (x) | 0.4049% | 3,679 |
| Efficiency ratio | 77.5686% | 2,681 |
| Assets per employee ($millions) | 4.7889% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 1,502 |
| Loan loss allowance to noncurrent loans | 21.9189% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 14.7880% | 77 |
| Noncurrent loans to loans | 10.2194% | 202 |
| Net loans and leases to total assets | 69.3361% | 1,774 |
| Net loans and leases to deposits | 71.6576% | 3,228 |
| Net loans and leases to core deposits | 75.8500% | 3,346 |
| Total domestic deposits to total assets | 96.7603% | 15 |
| Equity capital to assets | 2.7959% | 6,987 |
| Core capital (leverage) ratio | 2.7803% | 6,977 |
| Tier 1 risk-based capital ratio | 4.1562% | 6,978 |
| Total risk-based capital ratio | 5.4197% | 6,978 |
| Memoranda: | ||
| Average total assets | $590,963,500 | 1,147 |
| Average earning assets | $525,183,500 | 1,175 |
| Average equity | $16,316,000 | 3,771 |
| Average total loans | $421,374,500 | 1,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 1,349 |
| Cost of funding earning assets | 1.6192% | 100 |
| Net interest margin | 3.4618% | 4,665 |
| Noninterest income to average assets | 0.3277% | 5,115 |
| Noninterest expense to average assets | 2.6087% | 4,708 |
| Loan and lease loss provision to assets | 1.2491% | 283 |
| Net operating income to assets | -0.6201% | 6,620 |
| Return on assets (ROA) | -0.5404% | 6,622 |
| Pretax return on assets | -0.5404% | 6,588 |
| Return on Equity (ROE) | -16.1253% | 6,840 |
| Retained earnings to average equity (ytd only) | -16.1253% | 6,791 |
| Net charge-offs to loans | 2.0860% | 345 |
| Credit loss provision to net charge-offs | 81.0673% | 3,790 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 5,280 |
| Efficiency ratio | 80.5731% | 2,073 |
| Assets per employee ($millions) | 4.8200% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5884% | 1,029 |
| Loan loss allowance to noncurrent loans | 28.0631% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 14.0904% | 93 |
| Noncurrent loans to loans | 9.2235% | 276 |
| Net loans and leases to total assets | 69.8175% | 1,879 |
| Net loans and leases to deposits | 72.1169% | 3,393 |
| Net loans and leases to core deposits | 76.4854% | 3,471 |
| Total domestic deposits to total assets | 96.8115% | 18 |
| Equity capital to assets | 2.7267% | 7,042 |
| Core capital (leverage) ratio | 2.7360% | 7,037 |
| Tier 1 risk-based capital ratio | 3.9884% | 7,038 |
| Total risk-based capital ratio | 5.2583% | 7,038 |
| Memoranda: | ||
| Average total assets | $597,155,600 | 1,113 |
| Average earning assets | $501,971,200 | 1,209 |
| Average equity | $20,012,000 | 3,202 |
| Average total loans | $441,078,200 | 944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 1,148 |
| Cost of funding earning assets | 1.6856% | 90 |
| Net interest margin | 3.5361% | 4,501 |
| Noninterest income to average assets | 0.3964% | 4,665 |
| Noninterest expense to average assets | 2.6482% | 4,570 |
| Loan and lease loss provision to assets | 1.0050% | 406 |
| Net operating income to assets | -0.3272% | 6,594 |
| Return on assets (ROA) | -0.2553% | 6,602 |
| Pretax return on assets | -0.2553% | 6,571 |
| Return on Equity (ROE) | -7.2775% | 6,792 |
| Retained earnings to average equity (ytd only) | -7.2775% | 6,726 |
| Net charge-offs to loans | 1.9502% | 381 |
| Credit loss provision to net charge-offs | 69.2521% | 3,926 |
| Earnings coverage of net charge-offs (x) | 0.4671% | 5,083 |
| Efficiency ratio | 79.6213% | 2,150 |
| Assets per employee ($millions) | 4.8516% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 1,511 |
| Loan loss allowance to noncurrent loans | 23.5275% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 13.8622% | 111 |
| Noncurrent loans to loans | 9.7855% | 259 |
| Net loans and leases to total assets | 71.6943% | 1,605 |
| Net loans and leases to deposits | 74.7606% | 3,173 |
| Net loans and leases to core deposits | 79.3116% | 3,292 |
| Total domestic deposits to total assets | 95.8986% | 29 |
| Equity capital to assets | 3.4629% | 7,119 |
| Core capital (leverage) ratio | 3.3284% | 7,116 |
| Tier 1 risk-based capital ratio | 4.7585% | 7,122 |
| Total risk-based capital ratio | 6.0226% | 7,122 |
| Memoranda: | ||
| Average total assets | $597,025,250 | 1,122 |
| Average earning assets | $494,619,500 | 1,246 |
| Average equity | $20,940,750 | 3,122 |
| Average total loans | $444,255,000 | 938 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2993% | 1,060 |
| Cost of funding earning assets | 1.7596% | 83 |
| Net interest margin | 3.5397% | 4,508 |
| Noninterest income to average assets | 0.3115% | 5,319 |
| Noninterest expense to average assets | 2.6373% | 4,662 |
| Loan and lease loss provision to assets | 1.1388% | 371 |
| Net operating income to assets | -0.5681% | 6,765 |
| Return on assets (ROA) | -0.5155% | 6,776 |
| Pretax return on assets | -0.5155% | 6,747 |
| Return on Equity (ROE) | -14.6344% | 6,973 |
| Retained earnings to average equity (ytd only) | -14.6344% | 6,932 |
| Net charge-offs to loans | 2.4370% | 295 |
| Credit loss provision to net charge-offs | 62.5115% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.3133% | 4,920 |
| Efficiency ratio | 82.2092% | 1,855 |
| Assets per employee ($millions) | 4.8849% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2620% | 1,653 |
| Loan loss allowance to noncurrent loans | 23.4625% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 13.2339% | 141 |
| Noncurrent loans to loans | 9.6411% | 287 |
| Net loans and leases to total assets | 71.6240% | 1,624 |
| Net loans and leases to deposits | 74.5553% | 3,199 |
| Net loans and leases to core deposits | 78.7557% | 3,405 |
| Total domestic deposits to total assets | 96.0682% | 34 |
| Equity capital to assets | 3.3267% | 7,169 |
| Core capital (leverage) ratio | 3.3405% | 7,159 |
| Tier 1 risk-based capital ratio | 4.7334% | 7,171 |
| Total risk-based capital ratio | 5.9383% | 7,171 |
| Memoranda: | ||
| Average total assets | $597,118,330 | 1,117 |
| Average earning assets | $488,632,670 | 1,261 |
| Average equity | $21,032,670 | 3,107 |
| Average total loans | $446,368,330 | 933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4731% | 792 |
| Cost of funding earning assets | 1.8293% | 75 |
| Net interest margin | 3.6438% | 4,071 |
| Noninterest income to average assets | 0.3394% | 5,144 |
| Noninterest expense to average assets | 2.5668% | 4,935 |
| Loan and lease loss provision to assets | 0.5061% | 1,200 |
| Net operating income to assets | 0.1660% | 6,074 |
| Return on assets (ROA) | 0.1660% | 6,212 |
| Pretax return on assets | 0.2719% | 6,033 |
| Return on Equity (ROE) | 4.5824% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.5824% | 3,828 |
| Net charge-offs to loans | 1.9526% | 489 |
| Credit loss provision to net charge-offs | 34.3249% | 3,550 |
| Earnings coverage of net charge-offs (x) | 0.5277% | 4,077 |
| Efficiency ratio | 76.7400% | 2,682 |
| Assets per employee ($millions) | 4.7783% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 1,525 |
| Loan loss allowance to noncurrent loans | 21.9258% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 13.6728% | 142 |
| Noncurrent loans to loans | 10.9009% | 255 |
| Net loans and leases to total assets | 73.3710% | 1,158 |
| Net loans and leases to deposits | 77.1880% | 2,647 |
| Net loans and leases to core deposits | 81.9909% | 2,842 |
| Total domestic deposits to total assets | 95.0550% | 58 |
| Equity capital to assets | 3.6755% | 7,204 |
| Core capital (leverage) ratio | 3.5979% | 7,206 |
| Tier 1 risk-based capital ratio | 5.1844% | 7,207 |
| Total risk-based capital ratio | 6.4508% | 7,209 |
| Memoranda: | ||
| Average total assets | $592,811,000 | 1,130 |
| Average earning assets | $488,936,500 | 1,262 |
| Average equity | $21,473,500 | 3,045 |
| Average total loans | $447,607,000 | 926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 663 |
| Cost of funding earning assets | 2.0604% | 76 |
| Net interest margin | 3.7244% | 4,179 |
| Noninterest income to average assets | 0.1166% | 6,562 |
| Noninterest expense to average assets | 3.0639% | 3,339 |
| Loan and lease loss provision to assets | 0.6978% | 1,468 |
| Net operating income to assets | -0.6916% | 6,604 |
| Return on assets (ROA) | -0.6554% | 6,617 |
| Pretax return on assets | -0.5637% | 6,531 |
| Return on Equity (ROE) | -17.4852% | 6,943 |
| Retained earnings to average equity (ytd only) | -17.4852% | 6,926 |
| Net charge-offs to loans | 0.8242% | 2,099 |
| Credit loss provision to net charge-offs | 110.9669% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.1558% | 5,720 |
| Efficiency ratio | 96.9023% | 775 |
| Assets per employee ($millions) | 4.7831% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6854% | 1,085 |
| Loan loss allowance to noncurrent loans | 26.2221% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 13.1650% | 173 |
| Noncurrent loans to loans | 10.2411% | 301 |
| Net loans and leases to total assets | 73.8070% | 1,306 |
| Net loans and leases to deposits | 78.7796% | 2,715 |
| Net loans and leases to core deposits | 83.6770% | 2,930 |
| Total domestic deposits to total assets | 93.6880% | 104 |
| Equity capital to assets | 3.5692% | 7,246 |
| Core capital (leverage) ratio | 3.4167% | 7,243 |
| Tier 1 risk-based capital ratio | 4.9022% | 7,244 |
| Total risk-based capital ratio | 6.1729% | 7,246 |
| Memoranda: | ||
| Average total assets | $600,354,600 | 1,093 |
| Average earning assets | $490,869,400 | 1,239 |
| Average equity | $22,504,800 | 2,836 |
| Average total loans | $458,015,200 | 910 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9059% | 554 |
| Cost of funding earning assets | 2.1075% | 77 |
| Net interest margin | 3.7985% | 3,887 |
| Noninterest income to average assets | 0.0673% | 6,885 |
| Noninterest expense to average assets | 3.1517% | 2,991 |
| Loan and lease loss provision to assets | 0.5248% | 1,887 |
| Net operating income to assets | -0.5035% | 6,638 |
| Return on assets (ROA) | -0.4555% | 6,661 |
| Pretax return on assets | -0.4550% | 6,595 |
| Return on Equity (ROE) | -12.0085% | 6,949 |
| Retained earnings to average equity (ytd only) | -12.0085% | 6,920 |
| Net charge-offs to loans | 0.8978% | 1,782 |
| Credit loss provision to net charge-offs | 76.5010% | 4,259 |
| Earnings coverage of net charge-offs (x) | 0.0316% | 5,577 |
| Efficiency ratio | 99.3162% | 679 |
| Assets per employee ($millions) | 4.7547% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 1,541 |
| Loan loss allowance to noncurrent loans | 25.1483% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 12.8332% | 194 |
| Noncurrent loans to loans | 9.5199% | 386 |
| Net loans and leases to total assets | 75.6366% | 1,032 |
| Net loans and leases to deposits | 80.9401% | 2,533 |
| Net loans and leases to core deposits | 86.0295% | 2,766 |
| Total domestic deposits to total assets | 93.4475% | 109 |
| Equity capital to assets | 4.2549% | 7,301 |
| Core capital (leverage) ratio | 4.0479% | 7,300 |
| Tier 1 risk-based capital ratio | 5.5991% | 7,309 |
| Total risk-based capital ratio | 6.8649% | 7,310 |
| Memoranda: | ||
| Average total assets | $602,166,000 | 1,094 |
| Average earning assets | $492,395,250 | 1,238 |
| Average equity | $22,838,750 | 2,797 |
| Average total loans | $460,060,000 | 921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9848% | 491 |
| Cost of funding earning assets | 2.1287% | 90 |
| Net interest margin | 3.8560% | 3,506 |
| Noninterest income to average assets | 0.0999% | 6,824 |
| Noninterest expense to average assets | 3.2420% | 2,758 |
| Loan and lease loss provision to assets | 0.5838% | 1,660 |
| Net operating income to assets | -0.4591% | 6,656 |
| Return on assets (ROA) | -0.4591% | 6,680 |
| Pretax return on assets | -0.5891% | 6,704 |
| Return on Equity (ROE) | -12.6032% | 7,001 |
| Retained earnings to average equity (ytd only) | -12.6032% | 6,961 |
| Net charge-offs to loans | 1.0249% | 1,540 |
| Credit loss provision to net charge-offs | 74.9048% | 3,922 |
| Earnings coverage of net charge-offs (x) | -0.0068% | 5,289 |
| Efficiency ratio | 100.1630% | 716 |
| Assets per employee ($millions) | 4.8753% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3967% | 1,599 |
| Loan loss allowance to noncurrent loans | 27.7220% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 12.6125% | 227 |
| Noncurrent loans to loans | 8.6455% | 493 |
| Net loans and leases to total assets | 74.5918% | 1,307 |
| Net loans and leases to deposits | 79.8493% | 2,826 |
| Net loans and leases to core deposits | 84.1070% | 3,198 |
| Total domestic deposits to total assets | 93.4157% | 106 |
| Equity capital to assets | 3.9255% | 7,392 |
| Core capital (leverage) ratio | 3.9459% | 7,378 |
| Tier 1 risk-based capital ratio | 5.3377% | 7,389 |
| Total risk-based capital ratio | 6.5987% | 7,390 |
| Memoranda: | ||
| Average total assets | $606,361,330 | 1,095 |
| Average earning assets | $493,253,000 | 1,239 |
| Average equity | $22,089,670 | 2,866 |
| Average total loans | $461,121,330 | 936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2063% | 332 |
| Cost of funding earning assets | 2.1736% | 95 |
| Net interest margin | 4.0328% | 2,552 |
| Noninterest income to average assets | -0.0263% | 7,334 |
| Noninterest expense to average assets | 3.2598% | 2,678 |
| Loan and lease loss provision to assets | 0.7904% | 1,077 |
| Net operating income to assets | -0.5467% | 6,832 |
| Return on assets (ROA) | -0.5467% | 6,834 |
| Pretax return on assets | -0.8062% | 6,925 |
| Return on Equity (ROE) | -15.6096% | 7,157 |
| Retained earnings to average equity (ytd only) | -15.6096% | 7,061 |
| Net charge-offs to loans | 1.8225% | 711 |
| Credit loss provision to net charge-offs | 57.1701% | 3,597 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 4,586 |
| Efficiency ratio | 100.4873% | 718 |
| Assets per employee ($millions) | 4.8258% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 1,647 |
| Loan loss allowance to noncurrent loans | 38.8981% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 10.8347% | 349 |
| Noncurrent loans to loans | 6.0877% | 1,030 |
| Net loans and leases to total assets | 71.8660% | 1,747 |
| Net loans and leases to deposits | 76.8699% | 3,277 |
| Net loans and leases to core deposits | 80.4880% | 3,669 |
| Total domestic deposits to total assets | 93.4904% | 100 |
| Equity capital to assets | 3.8669% | 7,448 |
| Core capital (leverage) ratio | 3.9988% | 7,439 |
| Tier 1 risk-based capital ratio | 5.5170% | 7,437 |
| Total risk-based capital ratio | 7.3840% | 7,423 |
| Memoranda: | ||
| Average total assets | $607,271,500 | 1,098 |
| Average earning assets | $492,465,000 | 1,247 |
| Average equity | $21,269,000 | 2,949 |
| Average total loans | $460,676,500 | 954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 890 |
| Cost of funding earning assets | 2.5647% | 85 |
| Net interest margin | 3.4107% | 5,588 |
| Noninterest income to average assets | 2.3988% | 292 |
| Noninterest expense to average assets | 5.4694% | 307 |
| Loan and lease loss provision to assets | 1.0293% | 1,571 |
| Net operating income to assets | -1.1527% | 6,763 |
| Return on assets (ROA) | -1.0619% | 6,751 |
| Pretax return on assets | -1.1496% | 6,718 |
| Return on Equity (ROE) | -28.6579% | 7,202 |
| Retained earnings to average equity (ytd only) | -28.6579% | 7,190 |
| Net charge-offs to loans | 1.2300% | 1,820 |
| Credit loss provision to net charge-offs | 108.0521% | 4,097 |
| Earnings coverage of net charge-offs (x) | -0.2299% | 6,304 |
| Efficiency ratio | 104.1706% | 669 |
| Assets per employee ($millions) | 4.7368% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4998% | 1,410 |
| Loan loss allowance to noncurrent loans | 45.2838% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 10.7092% | 363 |
| Noncurrent loans to loans | 5.5204% | 1,189 |
| Net loans and leases to total assets | 76.2351% | 1,232 |
| Net loans and leases to deposits | 81.0118% | 2,986 |
| Net loans and leases to core deposits | 85.9317% | 3,327 |
| Total domestic deposits to total assets | 94.1036% | 86 |
| Equity capital to assets | 3.1251% | 7,554 |
| Core capital (leverage) ratio | 3.1561% | 7,545 |
| Tier 1 risk-based capital ratio | 4.3077% | 7,551 |
| Total risk-based capital ratio | 6.2867% | 7,526 |
| Memoranda: | ||
| Average total assets | $628,387,400 | 1,066 |
| Average earning assets | $525,368,600 | 1,170 |
| Average equity | $23,285,000 | 2,725 |
| Average total loans | $486,662,600 | 921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9104% | 1,111 |
| Cost of funding earning assets | 2.6345% | 86 |
| Net interest margin | 3.2759% | 6,092 |
| Noninterest income to average assets | 2.9747% | 224 |
| Noninterest expense to average assets | 5.6702% | 252 |
| Loan and lease loss provision to assets | 1.3300% | 1,038 |
| Net operating income to assets | -1.2822% | 7,020 |
| Return on assets (ROA) | -1.1523% | 6,999 |
| Pretax return on assets | -1.1523% | 6,921 |
| Return on Equity (ROE) | -29.9953% | 7,380 |
| Retained earnings to average equity (ytd only) | -29.9953% | 7,372 |
| Net charge-offs to loans | 1.4397% | 1,416 |
| Credit loss provision to net charge-offs | 119.5517% | 3,455 |
| Earnings coverage of net charge-offs (x) | 0.0429% | 5,989 |
| Efficiency ratio | 99.1644% | 769 |
| Assets per employee ($millions) | 4.4235% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5630% | 1,253 |
| Loan loss allowance to noncurrent loans | 31.8116% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 12.1134% | 267 |
| Noncurrent loans to loans | 8.0568% | 642 |
| Net loans and leases to total assets | 76.6704% | 1,288 |
| Net loans and leases to deposits | 81.2876% | 3,221 |
| Net loans and leases to core deposits | 87.2278% | 3,484 |
| Total domestic deposits to total assets | 94.3199% | 63 |
| Equity capital to assets | 3.3101% | 7,681 |
| Core capital (leverage) ratio | 3.2244% | 7,663 |
| Tier 1 risk-based capital ratio | 4.5282% | 7,661 |
| Total risk-based capital ratio | 5.9435% | 7,658 |
| Memoranda: | ||
| Average total assets | $636,273,750 | 1,058 |
| Average earning assets | $532,811,250 | 1,158 |
| Average equity | $24,443,250 | 2,659 |
| Average total loans | $491,661,000 | 920 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8945% | 1,201 |
| Cost of funding earning assets | 2.6979% | 93 |
| Net interest margin | 3.1966% | 6,329 |
| Noninterest income to average assets | 4.2060% | 159 |
| Noninterest expense to average assets | 6.1727% | 212 |
| Loan and lease loss provision to assets | 0.3540% | 3,596 |
| Net operating income to assets | 0.3447% | 4,992 |
| Return on assets (ROA) | 0.3945% | 4,939 |
| Pretax return on assets | 0.3945% | 5,247 |
| Return on Equity (ROE) | 9.8439% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.8439% | 880 |
| Net charge-offs to loans | 0.9106% | 2,011 |
| Credit loss provision to net charge-offs | 50.5971% | 5,403 |
| Earnings coverage of net charge-offs (x) | 0.9987% | 4,790 |
| Efficiency ratio | 89.8320% | 1,346 |
| Assets per employee ($millions) | 4.9824% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 2,015 |
| Loan loss allowance to noncurrent loans | 28.7267% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 11.0851% | 320 |
| Noncurrent loans to loans | 7.2346% | 756 |
| Net loans and leases to total assets | 74.9612% | 1,704 |
| Net loans and leases to deposits | 80.9556% | 3,437 |
| Net loans and leases to core deposits | 88.8816% | 3,429 |
| Total domestic deposits to total assets | 92.5955% | 138 |
| Equity capital to assets | 4.2720% | 7,674 |
| Core capital (leverage) ratio | 4.1992% | 7,669 |
| Tier 1 risk-based capital ratio | 5.9160% | 7,663 |
| Total risk-based capital ratio | 7.4318% | 7,655 |
| Memoranda: | ||
| Average total assets | $646,357,330 | 1,050 |
| Average earning assets | $538,947,000 | 1,145 |
| Average equity | $25,904,330 | 2,497 |
| Average total loans | $496,594,000 | 919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9344% | 1,118 |
| Cost of funding earning assets | 2.7653% | 100 |
| Net interest margin | 3.1691% | 6,383 |
| Noninterest income to average assets | 7.1101% | 95 |
| Noninterest expense to average assets | 9.2781% | 86 |
| Loan and lease loss provision to assets | 0.3442% | 3,318 |
| Net operating income to assets | 0.0833% | 6,067 |
| Return on assets (ROA) | 0.0833% | 6,175 |
| Pretax return on assets | 0.1360% | 6,046 |
| Return on Equity (ROE) | 2.1468% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.1468% | 4,845 |
| Net charge-offs to loans | 1.2906% | 1,326 |
| Credit loss provision to net charge-offs | 34.6486% | 4,747 |
| Earnings coverage of net charge-offs (x) | 0.4834% | 4,594 |
| Efficiency ratio | 95.0797% | 1,075 |
| Assets per employee ($millions) | 5.1235% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 2,062 |
| Loan loss allowance to noncurrent loans | 30.1561% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 10.7828% | 347 |
| Noncurrent loans to loans | 6.7985% | 892 |
| Net loans and leases to total assets | 74.3357% | 1,905 |
| Net loans and leases to deposits | 79.9028% | 3,670 |
| Net loans and leases to core deposits | 88.6509% | 3,545 |
| Total domestic deposits to total assets | 93.0327% | 120 |
| Equity capital to assets | 3.9196% | 7,801 |
| Core capital (leverage) ratio | 3.9120% | 7,785 |
| Tier 1 risk-based capital ratio | 5.5259% | 7,772 |
| Total risk-based capital ratio | 7.0353% | 7,761 |
| Memoranda: | ||
| Average total assets | $653,152,500 | 1,059 |
| Average earning assets | $545,767,000 | 1,151 |
| Average equity | $25,340,500 | 2,577 |
| Average total loans | $502,692,500 | 932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2350% | 1,153 |
| Cost of funding earning assets | 3.4943% | 43 |
| Net interest margin | 2.7406% | 7,152 |
| Noninterest income to average assets | 0.1045% | 7,243 |
| Noninterest expense to average assets | 2.9847% | 4,210 |
| Loan and lease loss provision to assets | 1.7536% | 1,301 |
| Net operating income to assets | -2.2496% | 7,181 |
| Return on assets (ROA) | -2.1473% | 7,144 |
| Pretax return on assets | -2.1637% | 7,001 |
| Return on Equity (ROE) | -40.3564% | 7,575 |
| Retained earnings to average equity (ytd only) | -40.3564% | 7,559 |
| Net charge-offs to loans | 1.2247% | 2,014 |
| Credit loss provision to net charge-offs | 180.5686% | 2,301 |
| Earnings coverage of net charge-offs (x) | -0.5287% | 6,708 |
| Efficiency ratio | 120.7764% | 594 |
| Assets per employee ($millions) | 5.0047% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1862% | 1,673 |
| Loan loss allowance to noncurrent loans | 35.7305% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 9.4643% | 415 |
| Noncurrent loans to loans | 6.1186% | 1,020 |
| Net loans and leases to total assets | 76.3225% | 1,725 |
| Net loans and leases to deposits | 83.1489% | 3,428 |
| Net loans and leases to core deposits | 179.8918% | 166 |
| Total domestic deposits to total assets | 91.7901% | 307 |
| Equity capital to assets | 3.8402% | 7,871 |
| Core capital (leverage) ratio | 3.9155% | 7,851 |
| Tier 1 risk-based capital ratio | 5.3473% | 7,853 |
| Total risk-based capital ratio | 8.7045% | 7,711 |
| Memoranda: | ||
| Average total assets | $633,767,800 | 1,094 |
| Average earning assets | $547,316,600 | 1,151 |
| Average equity | $33,722,000 | 1,988 |
| Average total loans | $502,565,600 | 951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 933 |
| Cost of funding earning assets | 3.6414% | 40 |
| Net interest margin | 2.7544% | 7,128 |
| Noninterest income to average assets | 0.0651% | 7,583 |
| Noninterest expense to average assets | 2.6787% | 5,414 |
| Loan and lease loss provision to assets | 2.2517% | 760 |
| Net operating income to assets | -1.6067% | 7,159 |
| Return on assets (ROA) | -1.5379% | 7,132 |
| Pretax return on assets | -2.3680% | 7,306 |
| Return on Equity (ROE) | -26.9462% | 7,547 |
| Retained earnings to average equity (ytd only) | -26.9462% | 7,532 |
| Net charge-offs to loans | 1.1430% | 1,766 |
| Credit loss provision to net charge-offs | 247.4003% | 1,746 |
| Earnings coverage of net charge-offs (x) | -0.2441% | 6,319 |
| Efficiency ratio | 109.0446% | 785 |
| Assets per employee ($millions) | 4.8617% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 1,152 |
| Loan loss allowance to noncurrent loans | 87.6004% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 7.4979% | 596 |
| Noncurrent loans to loans | 2.7595% | 2,753 |
| Net loans and leases to total assets | 79.5258% | 1,283 |
| Net loans and leases to deposits | 87.4880% | 3,063 |
| Net loans and leases to core deposits | 181.9684% | 175 |
| Total domestic deposits to total assets | 90.8992% | 448 |
| Equity capital to assets | 4.9806% | 7,951 |
| Core capital (leverage) ratio | 4.2601% | 7,965 |
| Tier 1 risk-based capital ratio | 5.4829% | 7,977 |
| Total risk-based capital ratio | 8.7742% | 7,855 |
| Memoranda: | ||
| Average total assets | $628,304,250 | 1,119 |
| Average earning assets | $545,494,000 | 1,171 |
| Average equity | $35,858,250 | 1,898 |
| Average total loans | $500,314,250 | 974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 1,075 |
| Cost of funding earning assets | 3.7211% | 53 |
| Net interest margin | 2.6415% | 7,309 |
| Noninterest income to average assets | 0.1362% | 7,279 |
| Noninterest expense to average assets | 2.7133% | 5,336 |
| Loan and lease loss provision to assets | 0.4477% | 3,296 |
| Net operating income to assets | -0.4638% | 6,511 |
| Return on assets (ROA) | -0.3601% | 6,416 |
| Pretax return on assets | -0.5734% | 6,500 |
| Return on Equity (ROE) | -6.0477% | 6,716 |
| Retained earnings to average equity (ytd only) | -6.0477% | 6,459 |
| Net charge-offs to loans | 0.6436% | 2,425 |
| Credit loss provision to net charge-offs | 88.0503% | 4,978 |
| Earnings coverage of net charge-offs (x) | -0.5660% | 6,109 |
| Efficiency ratio | 111.8655% | 800 |
| Assets per employee ($millions) | 4.7675% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 5,043 |
| Loan loss allowance to noncurrent loans | 67.8929% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 7.3906% | 547 |
| Noncurrent loans to loans | 1.7458% | 3,889 |
| Net loans and leases to total assets | 78.7583% | 1,581 |
| Net loans and leases to deposits | 87.5382% | 3,253 |
| Net loans and leases to core deposits | 175.4391% | 264 |
| Total domestic deposits to total assets | 89.9701% | 850 |
| Equity capital to assets | 5.8349% | 7,955 |
| Core capital (leverage) ratio | 5.7515% | 7,960 |
| Tier 1 risk-based capital ratio | 7.2593% | 7,983 |
| Total risk-based capital ratio | 10.4782% | 7,576 |
| Memoranda: | ||
| Average total assets | $625,443,670 | 1,141 |
| Average earning assets | $542,040,670 | 1,194 |
| Average equity | $37,237,330 | 1,830 |
| Average total loans | $494,073,670 | 1,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2279% | 1,507 |
| Cost of funding earning assets | 3.7928% | 67 |
| Net interest margin | 2.4351% | 7,579 |
| Noninterest income to average assets | 0.2851% | 6,154 |
| Noninterest expense to average assets | 2.4165% | 6,138 |
| Loan and lease loss provision to assets | 0.0731% | 6,043 |
| Net operating income to assets | -0.0555% | 6,340 |
| Return on assets (ROA) | 0.1584% | 5,963 |
| Pretax return on assets | 0.2470% | 5,833 |
| Return on Equity (ROE) | 2.6331% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.6331% | 4,413 |
| Net charge-offs to loans | 0.4859% | 2,243 |
| Credit loss provision to net charge-offs | 19.1201% | 5,082 |
| Earnings coverage of net charge-offs (x) | -0.0372% | 5,014 |
| Efficiency ratio | 100.5920% | 1,105 |
| Assets per employee ($millions) | 4.7533% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,019 |
| Loan loss allowance to noncurrent loans | 60.8470% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 7.8511% | 389 |
| Noncurrent loans to loans | 1.9136% | 3,389 |
| Net loans and leases to total assets | 77.1658% | 1,998 |
| Net loans and leases to deposits | 85.8891% | 3,651 |
| Net loans and leases to core deposits | 178.3315% | 250 |
| Total domestic deposits to total assets | 89.8435% | 869 |
| Equity capital to assets | 5.9093% | 8,012 |
| Core capital (leverage) ratio | 5.8452% | 8,030 |
| Tier 1 risk-based capital ratio | 7.3001% | 8,075 |
| Total risk-based capital ratio | 10.5000% | 7,607 |
| Memoranda: | ||
| Average total assets | $618,745,000 | 1,148 |
| Average earning assets | $537,965,000 | 1,205 |
| Average equity | $37,218,000 | 1,836 |
| Average total loans | $486,523,000 | 1,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7797% | 1,753 |
| Cost of funding earning assets | 3.8345% | 179 |
| Net interest margin | 2.9452% | 7,046 |
| Noninterest income to average assets | 0.4227% | 5,278 |
| Noninterest expense to average assets | 2.9439% | 4,280 |
| Loan and lease loss provision to assets | 1.5198% | 881 |
| Net operating income to assets | -0.8472% | 7,164 |
| Return on assets (ROA) | -0.9585% | 7,147 |
| Pretax return on assets | -1.5158% | 7,260 |
| Return on Equity (ROE) | -14.4638% | 7,565 |
| Retained earnings to average equity (ytd only) | -14.4638% | 7,427 |
| Net charge-offs to loans | 1.5883% | 719 |
| Credit loss provision to net charge-offs | 114.5118% | 4,717 |
| Earnings coverage of net charge-offs (x) | 0.1340% | 6,166 |
| Efficiency ratio | 94.3038% | 1,262 |
| Assets per employee ($millions) | 4.2627% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 3,795 |
| Loan loss allowance to noncurrent loans | 39.6219% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 8.7920% | 239 |
| Noncurrent loans to loans | 3.2768% | 1,593 |
| Net loans and leases to total assets | 78.1826% | 2,088 |
| Net loans and leases to deposits | 87.5764% | 3,855 |
| Net loans and leases to core deposits | 183.1513% | 257 |
| Total domestic deposits to total assets | 89.2736% | 931 |
| Equity capital to assets | 6.1255% | 8,038 |
| Core capital (leverage) ratio | 6.0060% | 8,078 |
| Tier 1 risk-based capital ratio | 7.3517% | 8,145 |
| Total risk-based capital ratio | 10.6640% | 7,315 |
| Memoranda: | ||
| Average total assets | $561,800,200 | 1,203 |
| Average earning assets | $514,832,200 | 1,204 |
| Average equity | $37,230,800 | 1,820 |
| Average total loans | $469,433,600 | 1,032 |