Home > Farmers and Merchants State Bank > Performance and Condition Ratios
Farmers and Merchants State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,460 |
| Cost of funding earning assets | 0.8884% | 3,541 |
| Net interest margin | 3.3974% | 2,409 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0197% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2434% | 1,550 |
| Return on assets (ROA) | 1.1686% | 1,700 |
| Pretax return on assets | 1.4987% | 1,424 |
| Return on Equity (ROE) | 13.6600% | 1,568 |
| Retained earnings to average equity (ytd only) | 5.5082% | 2,405 |
| Net charge-offs to loans | -0.0111% | 4,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8980% | 3,506 |
| Assets per employee ($millions) | 7.4433% | 1,773 |
| Cash dividends to net income (ytd only)* | 59.6786% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.1600% | 2,829 |
| Net loans and leases to deposits | 67.6182% | 3,063 |
| Net loans and leases to core deposits | 73.5467% | 3,095 |
| Total domestic deposits to total assets | 88.9600% | 1,079 |
| Equity capital to assets | 8.7898% | 2,837 |
| Core capital (leverage) ratio | 10.1724% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3088% | 1,440 |
| Memoranda: | ||
| Average total assets | $228,996,400 | 2,794 |
| Average earning assets | $219,050,400 | 2,748 |
| Average equity | $19,589,000 | 2,895 |
| Average total loans | $135,682,600 | 2,809 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 3,455 |
| Cost of funding earning assets | 0.7684% | 3,610 |
| Net interest margin | 3.4368% | 2,374 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.0373% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2842% | 1,581 |
| Return on assets (ROA) | 1.1833% | 1,822 |
| Pretax return on assets | 1.5150% | 1,525 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 6.6623% | 2,414 |
| Net charge-offs to loans | -0.0150% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.3620% | 3,456 |
| Assets per employee ($millions) | 7.2423% | 1,793 |
| Cash dividends to net income (ytd only)* | 52.1869% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,180 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,835 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.1200% | 2,831 |
| Net loans and leases to deposits | 69.6323% | 2,864 |
| Net loans and leases to core deposits | 75.1000% | 2,924 |
| Total domestic deposits to total assets | 86.3500% | 2,087 |
| Equity capital to assets | 8.5582% | 2,689 |
| Core capital (leverage) ratio | 10.3263% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0125% | 1,316 |
| Memoranda: | ||
| Average total assets | $226,699,000 | 2,814 |
| Average earning assets | $216,904,500 | 2,774 |
| Average equity | $19,252,250 | 2,913 |
| Average total loans | $133,429,250 | 2,835 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,532 |
| Cost of funding earning assets | 0.6638% | 3,595 |
| Net interest margin | 3.4127% | 2,485 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.0384% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2655% | 1,651 |
| Return on assets (ROA) | 1.2655% | 1,643 |
| Pretax return on assets | 1.6225% | 1,366 |
| Return on Equity (ROE) | 14.9400% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.7514% | 2,713 |
| Net charge-offs to loans | -0.0227% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6810% | 3,459 |
| Assets per employee ($millions) | 7.5664% | 1,566 |
| Cash dividends to net income (ytd only)* | 61.5010% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,532 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.6600% | 2,991 |
| Net loans and leases to deposits | 65.2325% | 3,107 |
| Net loans and leases to core deposits | 69.0659% | 3,177 |
| Total domestic deposits to total assets | 88.4000% | 1,461 |
| Equity capital to assets | 8.5434% | 2,828 |
| Core capital (leverage) ratio | 10.0734% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0123% | 1,124 |
| Memoranda: | ||
| Average total assets | $227,428,333 | 2,823 |
| Average earning assets | $217,834,667 | 2,773 |
| Average equity | $19,265,000 | 2,924 |
| Average total loans | $132,439,000 | 2,841 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,621 |
| Cost of funding earning assets | 0.5233% | 3,619 |
| Net interest margin | 3.4025% | 2,628 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.0330% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2528% | 1,791 |
| Return on assets (ROA) | 1.2528% | 1,762 |
| Pretax return on assets | 1.6078% | 1,441 |
| Return on Equity (ROE) | 14.8500% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.4161% | 1,374 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.8398% | 3,423 |
| Assets per employee ($millions) | 6.7329% | 2,163 |
| Cash dividends to net income (ytd only)* | 23.1417% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,210 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,528 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.5600% | 2,999 |
| Net loans and leases to deposits | 63.7431% | 3,111 |
| Net loans and leases to core deposits | 67.3822% | 3,143 |
| Total domestic deposits to total assets | 88.7400% | 1,641 |
| Equity capital to assets | 8.6642% | 2,769 |
| Core capital (leverage) ratio | 10.0438% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8409% | 1,183 |
| Memoranda: | ||
| Average total assets | $227,646,000 | 2,853 |
| Average earning assets | $217,841,000 | 2,809 |
| Average equity | $19,201,000 | 2,957 |
| Average total loans | $132,506,500 | 2,875 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 3,229 |
| Cost of funding earning assets | 0.1921% | 3,823 |
| Net interest margin | 3.2498% | 2,703 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9804% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1612% | 1,932 |
| Return on assets (ROA) | 1.1612% | 1,864 |
| Pretax return on assets | 1.4843% | 1,504 |
| Return on Equity (ROE) | 13.7500% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.8486% | 2,305 |
| Net charge-offs to loans | -0.0016% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.1591% | 3,449 |
| Assets per employee ($millions) | 7.0742% | 1,916 |
| Cash dividends to net income (ytd only)* | 50.1885% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,522 |
| Loan loss allowance to noncurrent loans | 2,163.3333% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,556 |
| Noncurrent loans to loans | 0.0447% | 3,438 |
| Net loans and leases to total assets | 58.6800% | 2,764 |
| Net loans and leases to deposits | 65.7392% | 2,907 |
| Net loans and leases to core deposits | 68.6978% | 2,963 |
| Total domestic deposits to total assets | 89.2600% | 1,643 |
| Equity capital to assets | 8.2024% | 2,933 |
| Core capital (leverage) ratio | 9.9335% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1282% | 1,336 |
| Memoranda: | ||
| Average total assets | $228,387,800 | 2,853 |
| Average earning assets | $218,628,000 | 2,810 |
| Average equity | $19,288,600 | 3,010 |
| Average total loans | $125,865,000 | 2,870 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2901% | 3,202 |
| Cost of funding earning assets | 0.1563% | 3,771 |
| Net interest margin | 3.1339% | 2,820 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9543% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1073% | 2,058 |
| Return on assets (ROA) | 1.1073% | 2,027 |
| Pretax return on assets | 1.4102% | 1,684 |
| Return on Equity (ROE) | 13.0200% | 1,691 |
| Retained earnings to average equity (ytd only) | 7.7456% | 2,102 |
| Net charge-offs to loans | -0.0022% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0852% | 3,372 |
| Assets per employee ($millions) | 6.6191% | 2,227 |
| Cash dividends to net income (ytd only)* | 40.5050% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,463 |
| Loan loss allowance to noncurrent loans | 2,163.3333% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,664 |
| Noncurrent loans to loans | 0.0464% | 3,549 |
| Net loans and leases to total assets | 56.8900% | 2,814 |
| Net loans and leases to deposits | 63.5196% | 2,898 |
| Net loans and leases to core deposits | 66.1256% | 2,946 |
| Total domestic deposits to total assets | 89.5600% | 1,847 |
| Equity capital to assets | 7.8471% | 2,989 |
| Core capital (leverage) ratio | 9.7728% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5431% | 1,277 |
| Memoranda: | ||
| Average total assets | $228,891,250 | 2,869 |
| Average earning assets | $219,275,750 | 2,827 |
| Average equity | $19,468,750 | 3,040 |
| Average total loans | $123,799,250 | 2,890 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 3,310 |
| Cost of funding earning assets | 0.1504% | 3,573 |
| Net interest margin | 2.9483% | 3,038 |
| Noninterest income to average assets | 0.3649% | 2,960 |
| Noninterest expense to average assets | 1.9568% | 3,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9767% | 2,239 |
| Return on assets (ROA) | 0.9767% | 2,213 |
| Pretax return on assets | 1.2356% | 1,945 |
| Return on Equity (ROE) | 11.1999% | 1,922 |
| Retained earnings to average equity (ytd only) | 5.1715% | 2,644 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2956% | 3,141 |
| Assets per employee ($millions) | 6.6093% | 2,234 |
| Cash dividends to net income (ytd only)* | 53.8256% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,390 |
| Loan loss allowance to noncurrent loans | 2,160.0000% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,729 |
| Noncurrent loans to loans | 0.0485% | 3,586 |
| Net loans and leases to total assets | 52.8959% | 3,068 |
| Net loans and leases to deposits | 59.1765% | 3,116 |
| Net loans and leases to core deposits | 62.1138% | 3,107 |
| Total domestic deposits to total assets | 89.3867% | 2,006 |
| Equity capital to assets | 8.1319% | 3,020 |
| Core capital (leverage) ratio | 9.3843% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7692% | 1,234 |
| Memoranda: | ||
| Average total assets | $230,171,667 | 2,886 |
| Average earning assets | $220,737,667 | 2,848 |
| Average equity | $20,071,667 | 3,064 |
| Average total loans | $121,957,333 | 2,924 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9720% | 3,333 |
| Cost of funding earning assets | 0.1686% | 3,238 |
| Net interest margin | 2.8034% | 3,129 |
| Noninterest income to average assets | 0.3641% | 2,908 |
| Noninterest expense to average assets | 1.9826% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8816% | 2,355 |
| Return on assets (ROA) | 0.8816% | 2,354 |
| Pretax return on assets | 1.0749% | 2,220 |
| Return on Equity (ROE) | 9.7768% | 2,057 |
| Retained earnings to average equity (ytd only) | 6.5887% | 2,036 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8433% | 2,932 |
| Assets per employee ($millions) | 6.7114% | 2,216 |
| Cash dividends to net income (ytd only)* | 32.6087% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.5790% | 3,021 |
| Net loans and leases to deposits | 58.0812% | 3,070 |
| Net loans and leases to core deposits | 61.1169% | 3,053 |
| Total domestic deposits to total assets | 88.8048% | 2,166 |
| Equity capital to assets | 8.6744% | 2,999 |
| Core capital (leverage) ratio | 9.5530% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0539% | 1,244 |
| Memoranda: | ||
| Average total assets | $229,595,500 | 2,901 |
| Average earning assets | $220,590,000 | 2,865 |
| Average equity | $20,702,000 | 3,081 |
| Average total loans | $121,107,500 | 2,935 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0654% | 3,751 |
| Cost of funding earning assets | 0.2460% | 2,973 |
| Net interest margin | 2.8194% | 3,619 |
| Noninterest income to average assets | 0.7028% | 1,764 |
| Noninterest expense to average assets | 1.9462% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1593% | 2,066 |
| Return on assets (ROA) | 1.1593% | 2,127 |
| Pretax return on assets | 1.4673% | 1,827 |
| Return on Equity (ROE) | 11.9752% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.8343% | 2,426 |
| Net charge-offs to loans | -0.0050% | 3,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0149% | 3,577 |
| Assets per employee ($millions) | 6.6001% | 2,239 |
| Cash dividends to net income (ytd only)* | 51.2801% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,566 |
| Loan loss allowance to noncurrent loans | 129,600.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,215 |
| Noncurrent loans to loans | 0.0008% | 4,131 |
| Net loans and leases to total assets | 52.7811% | 2,977 |
| Net loans and leases to deposits | 59.8530% | 3,088 |
| Net loans and leases to core deposits | 63.2036% | 3,058 |
| Total domestic deposits to total assets | 88.1846% | 1,939 |
| Equity capital to assets | 9.3549% | 3,269 |
| Core capital (leverage) ratio | 9.5308% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2803% | 1,439 |
| Memoranda: | ||
| Average total assets | $222,384,200 | 2,890 |
| Average earning assets | $213,802,600 | 2,845 |
| Average equity | $21,527,800 | 3,093 |
| Average total loans | $120,448,600 | 2,950 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0822% | 3,851 |
| Cost of funding earning assets | 0.2657% | 2,947 |
| Net interest margin | 2.8165% | 3,745 |
| Noninterest income to average assets | 0.8264% | 1,452 |
| Noninterest expense to average assets | 1.9125% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2750% | 1,904 |
| Return on assets (ROA) | 1.2750% | 1,961 |
| Pretax return on assets | 1.6219% | 1,637 |
| Return on Equity (ROE) | 13.0557% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.2761% | 1,963 |
| Net charge-offs to loans | -0.0056% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1110% | 3,795 |
| Assets per employee ($millions) | 6.3309% | 2,392 |
| Cash dividends to net income (ytd only)* | 36.6097% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.5889% | 3,133 |
| Net loans and leases to deposits | 59.8661% | 3,239 |
| Net loans and leases to core deposits | 63.3791% | 3,189 |
| Total domestic deposits to total assets | 87.8442% | 1,939 |
| Equity capital to assets | 9.9120% | 2,992 |
| Core capital (leverage) ratio | 9.7136% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3863% | 1,835 |
| Memoranda: | ||
| Average total assets | $220,229,500 | 2,934 |
| Average earning assets | $211,746,500 | 2,889 |
| Average equity | $21,507,250 | 3,126 |
| Average total loans | $119,755,250 | 2,995 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0821% | 3,905 |
| Cost of funding earning assets | 0.2875% | 2,896 |
| Net interest margin | 2.7946% | 3,799 |
| Noninterest income to average assets | 1.0520% | 990 |
| Noninterest expense to average assets | 1.9019% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4405% | 1,448 |
| Return on assets (ROA) | 1.4405% | 1,515 |
| Pretax return on assets | 1.8391% | 1,146 |
| Return on Equity (ROE) | 14.8253% | 1,210 |
| Retained earnings to average equity (ytd only) | 9.1593% | 1,664 |
| Net charge-offs to loans | -0.0066% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8392% | 4,160 |
| Assets per employee ($millions) | 6.5304% | 2,140 |
| Cash dividends to net income (ytd only)* | 38.2186% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.2289% | 3,320 |
| Net loans and leases to deposits | 59.3614% | 3,440 |
| Net loans and leases to core deposits | 62.4914% | 3,419 |
| Total domestic deposits to total assets | 87.9847% | 1,831 |
| Equity capital to assets | 9.7602% | 3,083 |
| Core capital (leverage) ratio | 9.5166% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1952% | 1,906 |
| Memoranda: | ||
| Average total assets | $219,779,000 | 2,943 |
| Average earning assets | $211,482,333 | 2,895 |
| Average equity | $21,355,333 | 3,140 |
| Average total loans | $120,399,667 | 3,002 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1075% | 3,868 |
| Cost of funding earning assets | 0.2993% | 3,001 |
| Net interest margin | 2.8082% | 3,747 |
| Noninterest income to average assets | 1.1598% | 900 |
| Noninterest expense to average assets | 1.8916% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5367% | 1,247 |
| Return on assets (ROA) | 1.5367% | 1,311 |
| Pretax return on assets | 1.9629% | 1,010 |
| Return on Equity (ROE) | 15.8509% | 1,047 |
| Retained earnings to average equity (ytd only) | 12.7374% | 970 |
| Net charge-offs to loans | -0.0098% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0745% | 4,259 |
| Assets per employee ($millions) | 6.4899% | 2,185 |
| Cash dividends to net income (ytd only)* | 19.6429% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,531 |
| Loan loss allowance to noncurrent loans | 3,694.2857% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,262 |
| Noncurrent loans to loans | 0.0292% | 4,142 |
| Net loans and leases to total assets | 53.7853% | 3,268 |
| Net loans and leases to deposits | 61.1184% | 3,396 |
| Net loans and leases to core deposits | 64.2686% | 3,388 |
| Total domestic deposits to total assets | 88.0017% | 1,842 |
| Equity capital to assets | 9.6892% | 3,016 |
| Core capital (leverage) ratio | 9.7099% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1319% | 1,530 |
| Memoranda: | ||
| Average total assets | $218,651,500 | 2,940 |
| Average earning assets | $209,813,500 | 2,895 |
| Average equity | $21,197,500 | 3,142 |
| Average total loans | $121,969,500 | 2,996 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6569% | 3,683 |
| Cost of funding earning assets | 0.4387% | 3,353 |
| Net interest margin | 3.2182% | 3,311 |
| Noninterest income to average assets | 0.4795% | 2,727 |
| Noninterest expense to average assets | 2.0051% | 4,132 |
| Loan and lease loss provision to assets | 0.0494% | 3,775 |
| Net operating income to assets | 1.2054% | 1,537 |
| Return on assets (ROA) | 1.2030% | 1,652 |
| Pretax return on assets | 1.5048% | 1,315 |
| Return on Equity (ROE) | 11.9792% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.4782% | 2,058 |
| Net charge-offs to loans | 0.0567% | 1,965 |
| Credit loss provision to net charge-offs | 142.8571% | 2,464 |
| Earnings coverage of net charge-offs (x) | 45.0429% | 1,289 |
| Efficiency ratio | 56.2873% | 3,952 |
| Assets per employee ($millions) | 6.5650% | 1,876 |
| Cash dividends to net income (ytd only)* | 54.2693% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,718 |
| Loan loss allowance to noncurrent loans | 3,685.7143% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,324 |
| Noncurrent loans to loans | 0.0282% | 4,205 |
| Net loans and leases to total assets | 56.6246% | 3,234 |
| Net loans and leases to deposits | 64.4257% | 3,403 |
| Net loans and leases to core deposits | 68.2100% | 3,400 |
| Total domestic deposits to total assets | 87.8913% | 1,537 |
| Equity capital to assets | 9.7002% | 3,406 |
| Core capital (leverage) ratio | 9.4958% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9367% | 1,876 |
| Memoranda: | ||
| Average total assets | $202,485,600 | 2,919 |
| Average earning assets | $193,961,200 | 2,875 |
| Average equity | $20,335,200 | 3,159 |
| Average total loans | $123,362,800 | 2,945 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 3,670 |
| Cost of funding earning assets | 0.4645% | 3,444 |
| Net interest margin | 3.2923% | 3,221 |
| Noninterest income to average assets | 0.4323% | 2,924 |
| Noninterest expense to average assets | 1.9851% | 4,182 |
| Loan and lease loss provision to assets | 0.0669% | 3,498 |
| Net operating income to assets | 1.2243% | 1,566 |
| Return on assets (ROA) | 1.2211% | 1,693 |
| Pretax return on assets | 1.5300% | 1,378 |
| Return on Equity (ROE) | 12.0468% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.9491% | 1,720 |
| Net charge-offs to loans | 0.0757% | 1,552 |
| Credit loss provision to net charge-offs | 142.8571% | 2,365 |
| Earnings coverage of net charge-offs (x) | 34.1286% | 1,485 |
| Efficiency ratio | 55.3541% | 3,996 |
| Assets per employee ($millions) | 6.2583% | 2,038 |
| Cash dividends to net income (ytd only)* | 42.3161% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,593 |
| Loan loss allowance to noncurrent loans | 2,480.7692% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,337 |
| Noncurrent loans to loans | 0.0413% | 4,222 |
| Net loans and leases to total assets | 60.3303% | 3,192 |
| Net loans and leases to deposits | 69.0891% | 3,391 |
| Net loans and leases to core deposits | 74.4225% | 3,290 |
| Total domestic deposits to total assets | 87.3225% | 1,532 |
| Equity capital to assets | 10.1480% | 3,103 |
| Core capital (leverage) ratio | 9.8990% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1178% | 1,791 |
| Memoranda: | ||
| Average total assets | $198,945,500 | 2,935 |
| Average earning assets | $190,578,500 | 2,888 |
| Average equity | $20,165,250 | 3,167 |
| Average total loans | $123,212,250 | 2,954 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,811 |
| Cost of funding earning assets | 0.4851% | 3,627 |
| Net interest margin | 3.3350% | 3,292 |
| Noninterest income to average assets | 0.5995% | 2,130 |
| Noninterest expense to average assets | 1.9959% | 4,240 |
| Loan and lease loss provision to assets | 0.1018% | 2,990 |
| Net operating income to assets | 1.3452% | 1,234 |
| Return on assets (ROA) | 1.3404% | 1,342 |
| Pretax return on assets | 1.6865% | 1,030 |
| Return on Equity (ROE) | 13.1929% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.1223% | 1,609 |
| Net charge-offs to loans | 0.1144% | 1,158 |
| Credit loss provision to net charge-offs | 142.8571% | 2,161 |
| Earnings coverage of net charge-offs (x) | 25.1857% | 1,559 |
| Efficiency ratio | 52.6584% | 4,306 |
| Assets per employee ($millions) | 5.8692% | 2,302 |
| Cash dividends to net income (ytd only)* | 46.0137% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,479 |
| Loan loss allowance to noncurrent loans | 3,685.7143% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,473 |
| Noncurrent loans to loans | 0.0276% | 4,374 |
| Net loans and leases to total assets | 60.9980% | 3,214 |
| Net loans and leases to deposits | 69.6478% | 3,444 |
| Net loans and leases to core deposits | 74.8790% | 3,380 |
| Total domestic deposits to total assets | 87.5807% | 1,386 |
| Equity capital to assets | 10.0320% | 3,174 |
| Core capital (leverage) ratio | 10.1090% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6155% | 1,953 |
| Memoranda: | ||
| Average total assets | $196,506,000 | 2,930 |
| Average earning assets | $188,007,333 | 2,887 |
| Average equity | $19,965,333 | 3,176 |
| Average total loans | $122,407,333 | 2,945 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,820 |
| Cost of funding earning assets | 0.5281% | 3,807 |
| Net interest margin | 3.4608% | 3,119 |
| Noninterest income to average assets | 0.3478% | 3,433 |
| Noninterest expense to average assets | 2.0537% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2768% | 1,306 |
| Return on assets (ROA) | 1.2768% | 1,404 |
| Pretax return on assets | 1.5975% | 1,059 |
| Return on Equity (ROE) | 12.4822% | 996 |
| Retained earnings to average equity (ytd only) | 9.1224% | 941 |
| Net charge-offs to loans | -0.0100% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2464% | 4,191 |
| Assets per employee ($millions) | 5.3416% | 2,282 |
| Cash dividends to net income (ytd only)* | 26.9168% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,416 |
| Loan loss allowance to noncurrent loans | 1,250.4950% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,321 |
| Noncurrent loans to loans | 0.0845% | 4,173 |
| Net loans and leases to total assets | 63.2630% | 3,160 |
| Net loans and leases to deposits | 72.8670% | 3,367 |
| Net loans and leases to core deposits | 77.5816% | 3,384 |
| Total domestic deposits to total assets | 86.8199% | 1,640 |
| Equity capital to assets | 10.5629% | 3,264 |
| Core capital (leverage) ratio | 10.2188% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9330% | 1,928 |
| Memoranda: | ||
| Average total assets | $192,047,500 | 2,934 |
| Average earning assets | $183,309,000 | 2,890 |
| Average equity | $19,644,000 | 3,202 |
| Average total loans | $120,314,000 | 2,950 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 4,256 |
| Cost of funding earning assets | 0.5715% | 3,767 |
| Net interest margin | 3.4293% | 3,653 |
| Noninterest income to average assets | 0.3365% | 3,695 |
| Noninterest expense to average assets | 2.0342% | 4,476 |
| Loan and lease loss provision to assets | 0.1280% | 1,667 |
| Net operating income to assets | 1.1724% | 2,166 |
| Return on assets (ROA) | 1.1841% | 2,219 |
| Pretax return on assets | 1.4647% | 1,919 |
| Return on Equity (ROE) | 11.9747% | 1,526 |
| Retained earnings to average equity (ytd only) | 1.5434% | 4,186 |
| Net charge-offs to loans | 0.1886% | 1,074 |
| Credit loss provision to net charge-offs | 112.1076% | 2,235 |
| Earnings coverage of net charge-offs (x) | 13.8206% | 2,324 |
| Efficiency ratio | 56.3085% | 4,171 |
| Assets per employee ($millions) | 5.6325% | 1,937 |
| Cash dividends to net income (ytd only)* | 87.1107% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,271 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,568 |
| Noncurrent loans to loans | 0.0289% | 4,448 |
| Net loans and leases to total assets | 60.7850% | 3,525 |
| Net loans and leases to deposits | 69.3623% | 3,720 |
| Net loans and leases to core deposits | 74.1873% | 3,706 |
| Total domestic deposits to total assets | 87.6341% | 1,300 |
| Equity capital to assets | 9.9118% | 3,998 |
| Core capital (leverage) ratio | 10.0531% | 3,456 |
| Tier 1 risk-based capital ratio | 13.5276% | 3,507 |
| Total risk-based capital ratio | 14.4173% | 3,587 |
| Memoranda: | ||
| Average total assets | $195,259,800 | 2,877 |
| Average earning assets | $186,540,200 | 2,827 |
| Average equity | $19,307,400 | 3,191 |
| Average total loans | $118,260,000 | 2,963 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,311 |
| Cost of funding earning assets | 0.5770% | 3,787 |
| Net interest margin | 3.4456% | 3,745 |
| Noninterest income to average assets | 0.3395% | 3,696 |
| Noninterest expense to average assets | 2.0459% | 4,459 |
| Loan and lease loss provision to assets | 0.1369% | 1,409 |
| Net operating income to assets | 1.1744% | 2,284 |
| Return on assets (ROA) | 1.1910% | 2,309 |
| Pretax return on assets | 1.4716% | 2,040 |
| Return on Equity (ROE) | 12.0521% | 1,600 |
| Retained earnings to average equity (ytd only) | 2.5074% | 4,091 |
| Net charge-offs to loans | 0.2529% | 697 |
| Credit loss provision to net charge-offs | 89.6861% | 2,395 |
| Earnings coverage of net charge-offs (x) | 10.4035% | 2,500 |
| Efficiency ratio | 56.3006% | 4,139 |
| Assets per employee ($millions) | 5.3829% | 2,143 |
| Cash dividends to net income (ytd only)* | 79.1956% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,506 |
| Loan loss allowance to noncurrent loans | 3,457.1429% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,653 |
| Noncurrent loans to loans | 0.0293% | 4,541 |
| Net loans and leases to total assets | 62.8345% | 3,404 |
| Net loans and leases to deposits | 72.4962% | 3,590 |
| Net loans and leases to core deposits | 79.9133% | 3,394 |
| Total domestic deposits to total assets | 86.6727% | 1,698 |
| Equity capital to assets | 10.3884% | 3,647 |
| Core capital (leverage) ratio | 10.1014% | 3,532 |
| Tier 1 risk-based capital ratio | 13.9733% | 3,346 |
| Total risk-based capital ratio | 14.8530% | 3,434 |
| Memoranda: | ||
| Average total assets | $194,790,000 | 2,908 |
| Average earning assets | $186,243,750 | 2,855 |
| Average equity | $19,249,250 | 3,220 |
| Average total loans | $117,552,250 | 2,999 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 4,485 |
| Cost of funding earning assets | 0.5616% | 3,830 |
| Net interest margin | 3.3876% | 3,930 |
| Noninterest income to average assets | 0.3321% | 3,717 |
| Noninterest expense to average assets | 2.0323% | 4,549 |
| Loan and lease loss provision to assets | 0.2031% | 835 |
| Net operating income to assets | 1.0861% | 2,580 |
| Return on assets (ROA) | 1.1111% | 2,553 |
| Pretax return on assets | 1.3620% | 2,337 |
| Return on Equity (ROE) | 11.4306% | 1,813 |
| Retained earnings to average equity (ytd only) | 5.0257% | 2,759 |
| Net charge-offs to loans | 0.3525% | 476 |
| Credit loss provision to net charge-offs | 97.0874% | 2,045 |
| Earnings coverage of net charge-offs (x) | 7.3350% | 2,501 |
| Efficiency ratio | 56.9761% | 4,133 |
| Assets per employee ($millions) | 5.6619% | 1,816 |
| Cash dividends to net income (ytd only)* | 56.0329% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,455 |
| Loan loss allowance to noncurrent loans | 1,979.0323% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,618 |
| Noncurrent loans to loans | 0.0519% | 4,453 |
| Net loans and leases to total assets | 59.6416% | 3,771 |
| Net loans and leases to deposits | 67.9960% | 3,967 |
| Net loans and leases to core deposits | 75.9249% | 3,735 |
| Total domestic deposits to total assets | 87.7134% | 1,238 |
| Equity capital to assets | 9.9093% | 4,052 |
| Core capital (leverage) ratio | 9.8829% | 3,724 |
| Tier 1 risk-based capital ratio | 13.8951% | 3,375 |
| Total risk-based capital ratio | 14.7766% | 3,466 |
| Memoranda: | ||
| Average total assets | $196,919,000 | 2,902 |
| Average earning assets | $188,041,330 | 2,844 |
| Average equity | $19,141,670 | 3,236 |
| Average total loans | $116,872,330 | 3,015 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 4,562 |
| Cost of funding earning assets | 0.5448% | 3,851 |
| Net interest margin | 3.3476% | 4,036 |
| Noninterest income to average assets | 0.3097% | 3,800 |
| Noninterest expense to average assets | 2.0439% | 4,571 |
| Loan and lease loss provision to assets | 0.2038% | 780 |
| Net operating income to assets | 1.0331% | 2,731 |
| Return on assets (ROA) | 1.0331% | 2,771 |
| Pretax return on assets | 1.2553% | 2,606 |
| Return on Equity (ROE) | 10.7336% | 2,062 |
| Retained earnings to average equity (ytd only) | 7.2404% | 1,952 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3479% | 4,031 |
| Assets per employee ($millions) | 5.5848% | 1,899 |
| Cash dividends to net income (ytd only)* | 32.5444% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,824 |
| Loan loss allowance to noncurrent loans | 476.0714% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,086 |
| Noncurrent loans to loans | 0.2424% | 3,697 |
| Net loans and leases to total assets | 58.4123% | 3,838 |
| Net loans and leases to deposits | 66.6390% | 4,003 |
| Net loans and leases to core deposits | 75.1122% | 3,729 |
| Total domestic deposits to total assets | 87.6548% | 1,495 |
| Equity capital to assets | 9.8481% | 3,972 |
| Core capital (leverage) ratio | 9.7123% | 3,905 |
| Tier 1 risk-based capital ratio | 13.9072% | 3,390 |
| Total risk-based capital ratio | 14.8735% | 3,453 |
| Memoranda: | ||
| Average total assets | $196,295,000 | 2,939 |
| Average earning assets | $187,238,000 | 2,882 |
| Average equity | $18,894,000 | 3,272 |
| Average total loans | $115,600,000 | 3,067 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,508 |
| Cost of funding earning assets | 0.4342% | 3,778 |
| Net interest margin | 3.3564% | 4,116 |
| Noninterest income to average assets | 0.3626% | 3,670 |
| Noninterest expense to average assets | 2.0716% | 4,616 |
| Loan and lease loss provision to assets | 0.0258% | 3,657 |
| Net operating income to assets | 1.2049% | 2,150 |
| Return on assets (ROA) | 1.2045% | 2,143 |
| Pretax return on assets | 1.4743% | 1,863 |
| Return on Equity (ROE) | 12.8977% | 1,381 |
| Retained earnings to average equity (ytd only) | 5.4960% | 2,483 |
| Net charge-offs to loans | 0.0044% | 3,561 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 581.8000% | 189 |
| Efficiency ratio | 57.9928% | 4,160 |
| Assets per employee ($millions) | 5.6320% | 1,833 |
| Cash dividends to net income (ytd only)* | 57.3876% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.0638% | 3,954 |
| Net loans and leases to deposits | 65.8713% | 4,129 |
| Net loans and leases to core deposits | 73.2008% | 3,910 |
| Total domestic deposits to total assets | 88.1474% | 1,238 |
| Equity capital to assets | 9.4044% | 4,214 |
| Core capital (leverage) ratio | 9.7698% | 3,837 |
| Tier 1 risk-based capital ratio | 13.6227% | 3,479 |
| Total risk-based capital ratio | 14.5134% | 3,569 |
| Memoranda: | ||
| Average total assets | $193,857,600 | 2,926 |
| Average earning assets | $185,379,200 | 2,868 |
| Average equity | $18,104,000 | 3,285 |
| Average total loans | $113,001,200 | 3,094 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,552 |
| Cost of funding earning assets | 0.4122% | 3,773 |
| Net interest margin | 3.3366% | 4,193 |
| Noninterest income to average assets | 0.3757% | 3,629 |
| Noninterest expense to average assets | 2.0872% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2134% | 2,185 |
| Return on assets (ROA) | 1.2128% | 2,191 |
| Pretax return on assets | 1.4856% | 1,950 |
| Return on Equity (ROE) | 13.0103% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.2461% | 2,003 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4074% | 4,056 |
| Assets per employee ($millions) | 5.4198% | 1,997 |
| Cash dividends to net income (ytd only)* | 44.3054% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,500 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,858 |
| Noncurrent loans to loans | 0.0422% | 4,710 |
| Net loans and leases to total assets | 59.3499% | 3,914 |
| Net loans and leases to deposits | 67.6562% | 4,081 |
| Net loans and leases to core deposits | 74.3808% | 3,922 |
| Total domestic deposits to total assets | 87.7227% | 1,379 |
| Equity capital to assets | 9.6182% | 3,982 |
| Core capital (leverage) ratio | 9.8443% | 3,800 |
| Tier 1 risk-based capital ratio | 13.9320% | 3,405 |
| Total risk-based capital ratio | 14.8105% | 3,505 |
| Memoranda: | ||
| Average total assets | $193,041,750 | 2,958 |
| Average earning assets | $185,015,250 | 2,895 |
| Average equity | $17,995,500 | 3,318 |
| Average total loans | $112,329,250 | 3,131 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,623 |
| Cost of funding earning assets | 0.3824% | 3,853 |
| Net interest margin | 3.2997% | 4,249 |
| Noninterest income to average assets | 0.3770% | 3,633 |
| Noninterest expense to average assets | 2.1076% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1751% | 2,300 |
| Return on assets (ROA) | 1.1743% | 2,297 |
| Pretax return on assets | 1.4329% | 2,044 |
| Return on Equity (ROE) | 12.7287% | 1,468 |
| Retained earnings to average equity (ytd only) | 5.8842% | 2,617 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5113% | 4,009 |
| Assets per employee ($millions) | 5.3272% | 2,073 |
| Cash dividends to net income (ytd only)* | 53.7719% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,469 |
| Loan loss allowance to noncurrent loans | 2,013.5593% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,870 |
| Noncurrent loans to loans | 0.0528% | 4,676 |
| Net loans and leases to total assets | 59.3370% | 3,868 |
| Net loans and leases to deposits | 67.6605% | 4,034 |
| Net loans and leases to core deposits | 72.9393% | 3,947 |
| Total domestic deposits to total assets | 87.6982% | 1,542 |
| Equity capital to assets | 9.6524% | 3,965 |
| Core capital (leverage) ratio | 9.3402% | 4,315 |
| Tier 1 risk-based capital ratio | 13.7957% | 3,464 |
| Total risk-based capital ratio | 14.6868% | 3,570 |
| Memoranda: | ||
| Average total assets | $194,158,330 | 2,957 |
| Average earning assets | $186,201,000 | 2,903 |
| Average equity | $17,912,330 | 3,340 |
| Average total loans | $111,849,000 | 3,146 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 4,823 |
| Cost of funding earning assets | 0.3521% | 3,972 |
| Net interest margin | 3.1776% | 4,537 |
| Noninterest income to average assets | 0.3717% | 3,653 |
| Noninterest expense to average assets | 2.0160% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1514% | 2,211 |
| Return on assets (ROA) | 1.1514% | 2,222 |
| Pretax return on assets | 1.3999% | 1,998 |
| Return on Equity (ROE) | 12.7588% | 1,332 |
| Retained earnings to average equity (ytd only) | 9.0655% | 1,443 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0183% | 4,214 |
| Assets per employee ($millions) | 5.6563% | 1,798 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 3,547 |
| Loan loss allowance to noncurrent loans | 2,640.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,001 |
| Noncurrent loans to loans | 0.0405% | 4,789 |
| Net loans and leases to total assets | 55.4713% | 4,158 |
| Net loans and leases to deposits | 62.7217% | 4,289 |
| Net loans and leases to core deposits | 69.0499% | 4,144 |
| Total domestic deposits to total assets | 88.4402% | 1,385 |
| Equity capital to assets | 9.0392% | 4,512 |
| Core capital (leverage) ratio | 9.4259% | 4,153 |
| Tier 1 risk-based capital ratio | 13.2197% | 3,836 |
| Total risk-based capital ratio | 14.0794% | 3,935 |
| Memoranda: | ||
| Average total assets | $198,011,500 | 2,949 |
| Average earning assets | $189,704,000 | 2,884 |
| Average equity | $17,870,000 | 3,369 |
| Average total loans | $111,862,000 | 3,168 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 4,656 |
| Cost of funding earning assets | 0.3439% | 3,766 |
| Net interest margin | 3.2189% | 4,400 |
| Noninterest income to average assets | 0.3585% | 3,904 |
| Noninterest expense to average assets | 2.0206% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0142% | 2,179 |
| Return on assets (ROA) | 1.0149% | 2,209 |
| Pretax return on assets | 1.4301% | 1,882 |
| Return on Equity (ROE) | 10.4350% | 1,701 |
| Retained earnings to average equity (ytd only) | -26.1006% | 5,634 |
| Net charge-offs to loans | 0.0055% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 188 |
| Efficiency ratio | 58.5744% | 4,464 |
| Assets per employee ($millions) | 5.5014% | 1,935 |
| Cash dividends to net income (ytd only)* | 350.1267% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,599 |
| Loan loss allowance to noncurrent loans | 1,448.7805% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,928 |
| Noncurrent loans to loans | 0.0727% | 4,673 |
| Net loans and leases to total assets | 56.3140% | 4,158 |
| Net loans and leases to deposits | 64.1049% | 4,311 |
| Net loans and leases to core deposits | 70.1144% | 4,169 |
| Total domestic deposits to total assets | 87.8466% | 1,586 |
| Equity capital to assets | 9.0103% | 4,711 |
| Core capital (leverage) ratio | 9.0851% | 4,543 |
| Tier 1 risk-based capital ratio | 12.7571% | 4,055 |
| Total risk-based capital ratio | 13.6057% | 4,203 |
| Memoranda: | ||
| Average total assets | $194,398,600 | 2,975 |
| Average earning assets | $186,676,000 | 2,899 |
| Average equity | $18,907,600 | 3,252 |
| Average total loans | $109,360,400 | 3,194 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 4,682 |
| Cost of funding earning assets | 0.3396% | 3,777 |
| Net interest margin | 3.2130% | 4,418 |
| Noninterest income to average assets | 0.3694% | 3,884 |
| Noninterest expense to average assets | 2.0004% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0810% | 2,172 |
| Return on assets (ROA) | 1.0826% | 2,222 |
| Pretax return on assets | 1.4616% | 1,908 |
| Return on Equity (ROE) | 10.9246% | 1,732 |
| Retained earnings to average equity (ytd only) | -33.2052% | 5,706 |
| Net charge-offs to loans | 0.0074% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 352.9913% | 265 |
| Efficiency ratio | 57.8172% | 4,531 |
| Assets per employee ($millions) | 5.5000% | 1,923 |
| Cash dividends to net income (ytd only)* | 403.9473% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,693 |
| Loan loss allowance to noncurrent loans | 1,466.6667% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,025 |
| Noncurrent loans to loans | 0.0727% | 4,788 |
| Net loans and leases to total assets | 57.2585% | 4,133 |
| Net loans and leases to deposits | 66.7207% | 4,198 |
| Net loans and leases to core deposits | 72.8538% | 4,078 |
| Total domestic deposits to total assets | 85.8181% | 2,386 |
| Equity capital to assets | 9.5455% | 4,398 |
| Core capital (leverage) ratio | 9.3137% | 4,391 |
| Tier 1 risk-based capital ratio | 13.2294% | 3,862 |
| Total risk-based capital ratio | 14.1016% | 4,012 |
| Memoranda: | ||
| Average total assets | $193,485,250 | 3,009 |
| Average earning assets | $186,115,500 | 2,930 |
| Average equity | $19,173,250 | 3,253 |
| Average total loans | $108,520,750 | 3,230 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 4,801 |
| Cost of funding earning assets | 0.3322% | 3,768 |
| Net interest margin | 3.1540% | 4,534 |
| Noninterest income to average assets | 0.3808% | 3,826 |
| Noninterest expense to average assets | 1.9823% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0650% | 2,143 |
| Return on assets (ROA) | 1.0711% | 2,164 |
| Pretax return on assets | 1.4437% | 1,844 |
| Return on Equity (ROE) | 10.6794% | 1,767 |
| Retained earnings to average equity (ytd only) | -52.9133% | 5,764 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0012% | 4,589 |
| Assets per employee ($millions) | 5.3177% | 2,038 |
| Cash dividends to net income (ytd only)* | 595.4721% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,629 |
| Loan loss allowance to noncurrent loans | 1,218.3673% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 5,020 |
| Noncurrent loans to loans | 0.0896% | 4,769 |
| Net loans and leases to total assets | 56.4792% | 4,171 |
| Net loans and leases to deposits | 64.8186% | 4,315 |
| Net loans and leases to core deposits | 70.8950% | 4,173 |
| Total domestic deposits to total assets | 87.1341% | 1,890 |
| Equity capital to assets | 9.4334% | 4,480 |
| Core capital (leverage) ratio | 9.1436% | 4,564 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,224 |
| Total risk-based capital ratio | 13.4906% | 4,351 |
| Memoranda: | ||
| Average total assets | $193,814,000 | 3,023 |
| Average earning assets | $186,619,000 | 2,943 |
| Average equity | $19,439,330 | 3,228 |
| Average total loans | $107,557,670 | 3,255 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 4,948 |
| Cost of funding earning assets | 0.3212% | 3,840 |
| Net interest margin | 3.0673% | 4,740 |
| Noninterest income to average assets | 0.3385% | 4,142 |
| Noninterest expense to average assets | 1.9651% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9964% | 2,322 |
| Return on assets (ROA) | 0.9949% | 2,382 |
| Pretax return on assets | 1.3292% | 2,138 |
| Return on Equity (ROE) | 9.6376% | 2,125 |
| Retained earnings to average equity (ytd only) | -104.2848% | 5,845 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6142% | 4,512 |
| Assets per employee ($millions) | 5.4289% | 1,954 |
| Cash dividends to net income (ytd only)* | 1,182.0619% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,474 |
| Loan loss allowance to noncurrent loans | 1,105.5556% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,065 |
| Noncurrent loans to loans | 0.1029% | 4,780 |
| Net loans and leases to total assets | 54.6132% | 4,291 |
| Net loans and leases to deposits | 62.9144% | 4,373 |
| Net loans and leases to core deposits | 67.0316% | 4,352 |
| Total domestic deposits to total assets | 86.8055% | 2,306 |
| Equity capital to assets | 9.2742% | 4,540 |
| Core capital (leverage) ratio | 8.9714% | 4,773 |
| Tier 1 risk-based capital ratio | 12.7417% | 4,232 |
| Total risk-based capital ratio | 13.6087% | 4,380 |
| Memoranda: | ||
| Average total assets | $195,002,500 | 3,045 |
| Average earning assets | $188,050,500 | 2,961 |
| Average equity | $20,129,500 | 3,151 |
| Average total loans | $106,678,500 | 3,293 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,747 |
| Cost of funding earning assets | 0.3530% | 3,486 |
| Net interest margin | 3.1616% | 4,557 |
| Noninterest income to average assets | 0.3550% | 4,197 |
| Noninterest expense to average assets | 2.0304% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0281% | 2,232 |
| Return on assets (ROA) | 1.0328% | 2,315 |
| Pretax return on assets | 1.3800% | 2,014 |
| Return on Equity (ROE) | 8.6930% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.1175% | 2,976 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6438% | 4,636 |
| Assets per employee ($millions) | 5.7141% | 1,685 |
| Cash dividends to net income (ytd only)* | 52.6342% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,705 |
| Loan loss allowance to noncurrent loans | 1,126.4151% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,129 |
| Noncurrent loans to loans | 0.0978% | 4,848 |
| Net loans and leases to total assets | 53.6006% | 4,470 |
| Net loans and leases to deposits | 62.6838% | 4,492 |
| Net loans and leases to core deposits | 67.8305% | 4,411 |
| Total domestic deposits to total assets | 85.5096% | 2,827 |
| Equity capital to assets | 11.3188% | 2,315 |
| Core capital (leverage) ratio | 11.6181% | 1,848 |
| Tier 1 risk-based capital ratio | 16.4611% | 2,363 |
| Total risk-based capital ratio | 17.3233% | 2,451 |
| Memoranda: | ||
| Average total assets | $192,971,000 | 3,037 |
| Average earning assets | $186,106,200 | 2,938 |
| Average equity | $22,926,400 | 2,897 |
| Average total loans | $108,652,200 | 3,228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 4,731 |
| Cost of funding earning assets | 0.3564% | 3,473 |
| Net interest margin | 3.1750% | 4,563 |
| Noninterest income to average assets | 0.3563% | 4,239 |
| Noninterest expense to average assets | 2.0130% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0432% | 2,231 |
| Return on assets (ROA) | 1.0494% | 2,330 |
| Pretax return on assets | 1.4141% | 1,990 |
| Return on Equity (ROE) | 8.7249% | 2,645 |
| Retained earnings to average equity (ytd only) | 6.1625% | 2,084 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8823% | 4,701 |
| Assets per employee ($millions) | 5.4805% | 1,870 |
| Cash dividends to net income (ytd only)* | 29.3688% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,751 |
| Loan loss allowance to noncurrent loans | 877.9412% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 5,153 |
| Noncurrent loans to loans | 0.1271% | 4,831 |
| Net loans and leases to total assets | 55.1405% | 4,391 |
| Net loans and leases to deposits | 65.3555% | 4,394 |
| Net loans and leases to core deposits | 70.6386% | 4,276 |
| Total domestic deposits to total assets | 84.3702% | 3,075 |
| Equity capital to assets | 12.2642% | 1,929 |
| Core capital (leverage) ratio | 11.8800% | 1,765 |
| Tier 1 risk-based capital ratio | 16.7561% | 2,319 |
| Total risk-based capital ratio | 17.6292% | 2,415 |
| Memoranda: | ||
| Average total assets | $191,215,250 | 3,062 |
| Average earning assets | $184,438,250 | 2,978 |
| Average equity | $22,998,750 | 2,910 |
| Average total loans | $108,717,250 | 3,239 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,769 |
| Cost of funding earning assets | 0.3561% | 3,497 |
| Net interest margin | 3.1841% | 4,595 |
| Noninterest income to average assets | 0.3686% | 4,114 |
| Noninterest expense to average assets | 2.0208% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0514% | 2,163 |
| Return on assets (ROA) | 1.0607% | 2,247 |
| Pretax return on assets | 1.4313% | 1,899 |
| Return on Equity (ROE) | 8.8769% | 2,546 |
| Retained earnings to average equity (ytd only) | 5.3717% | 2,502 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7519% | 4,801 |
| Assets per employee ($millions) | 5.3690% | 1,918 |
| Cash dividends to net income (ytd only)* | 39.4867% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,848 |
| Loan loss allowance to noncurrent loans | 3,731.2500% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,537 |
| Noncurrent loans to loans | 0.0300% | 5,344 |
| Net loans and leases to total assets | 54.6026% | 4,450 |
| Net loans and leases to deposits | 64.5575% | 4,451 |
| Net loans and leases to core deposits | 69.4388% | 4,371 |
| Total domestic deposits to total assets | 84.5797% | 3,060 |
| Equity capital to assets | 12.0310% | 2,107 |
| Core capital (leverage) ratio | 11.8072% | 1,764 |
| Tier 1 risk-based capital ratio | 16.5942% | 2,393 |
| Total risk-based capital ratio | 17.4762% | 2,479 |
| Memoranda: | ||
| Average total assets | $191,014,000 | 3,076 |
| Average earning assets | $184,225,000 | 2,998 |
| Average equity | $22,823,330 | 2,936 |
| Average total loans | $109,301,670 | 3,243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,689 |
| Cost of funding earning assets | 0.3627% | 3,475 |
| Net interest margin | 3.2120% | 4,546 |
| Noninterest income to average assets | 0.3560% | 4,181 |
| Noninterest expense to average assets | 2.0645% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0325% | 2,151 |
| Return on assets (ROA) | 1.0512% | 2,191 |
| Pretax return on assets | 1.4135% | 1,863 |
| Return on Equity (ROE) | 8.8287% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.8287% | 1,168 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7926% | 4,774 |
| Assets per employee ($millions) | 5.3121% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,978 |
| Loan loss allowance to noncurrent loans | 3,731.2500% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,589 |
| Noncurrent loans to loans | 0.0298% | 5,372 |
| Net loans and leases to total assets | 55.4705% | 4,309 |
| Net loans and leases to deposits | 65.0831% | 4,332 |
| Net loans and leases to core deposits | 70.5885% | 4,190 |
| Total domestic deposits to total assets | 85.2302% | 3,028 |
| Equity capital to assets | 11.9790% | 2,042 |
| Core capital (leverage) ratio | 11.8721% | 1,694 |
| Tier 1 risk-based capital ratio | 16.7169% | 2,391 |
| Total risk-based capital ratio | 17.6099% | 2,492 |
| Memoranda: | ||
| Average total assets | $189,879,000 | 3,091 |
| Average earning assets | $183,064,500 | 3,015 |
| Average equity | $22,608,000 | 2,964 |
| Average total loans | $110,586,500 | 3,232 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 4,090 |
| Cost of funding earning assets | 0.3873% | 3,291 |
| Net interest margin | 3.3973% | 3,928 |
| Noninterest income to average assets | 0.3764% | 4,214 |
| Noninterest expense to average assets | 2.0813% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1574% | 1,708 |
| Return on assets (ROA) | 1.1795% | 1,701 |
| Pretax return on assets | 1.5973% | 1,254 |
| Return on Equity (ROE) | 9.7744% | 2,092 |
| Retained earnings to average equity (ytd only) | 5.3606% | 2,164 |
| Net charge-offs to loans | 0.0065% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 405.7143% | 159 |
| Efficiency ratio | 57.0413% | 5,253 |
| Assets per employee ($millions) | 5.5448% | 1,746 |
| Cash dividends to net income (ytd only)* | 45.1568% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 4,333 |
| Loan loss allowance to noncurrent loans | 3,731.2500% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,634 |
| Noncurrent loans to loans | 0.0281% | 5,400 |
| Net loans and leases to total assets | 59.7837% | 3,870 |
| Net loans and leases to deposits | 70.0821% | 3,915 |
| Net loans and leases to core deposits | 73.6573% | 3,971 |
| Total domestic deposits to total assets | 85.3052% | 2,948 |
| Equity capital to assets | 11.8330% | 2,086 |
| Core capital (leverage) ratio | 11.9064% | 1,679 |
| Tier 1 risk-based capital ratio | 15.8709% | 2,744 |
| Total risk-based capital ratio | 16.7381% | 2,876 |
| Memoranda: | ||
| Average total assets | $181,184,600 | 3,150 |
| Average earning assets | $174,522,400 | 3,059 |
| Average equity | $21,863,200 | 2,990 |
| Average total loans | $108,492,000 | 3,230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,045 |
| Cost of funding earning assets | 0.3955% | 3,268 |
| Net interest margin | 3.4180% | 3,877 |
| Noninterest income to average assets | 0.3918% | 4,142 |
| Noninterest expense to average assets | 2.0674% | 5,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1876% | 1,689 |
| Return on assets (ROA) | 1.2170% | 1,659 |
| Pretax return on assets | 1.6600% | 1,211 |
| Return on Equity (ROE) | 10.0341% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.5822% | 1,419 |
| Net charge-offs to loans | 0.0087% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 311.3891% | 232 |
| Efficiency ratio | 56.0685% | 5,343 |
| Assets per employee ($millions) | 5.0584% | 2,227 |
| Cash dividends to net income (ytd only)* | 24.4350% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 4,185 |
| Loan loss allowance to noncurrent loans | 3,618.1818% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 5,493 |
| Noncurrent loans to loans | 0.0306% | 5,498 |
| Net loans and leases to total assets | 60.2018% | 3,859 |
| Net loans and leases to deposits | 71.0767% | 3,868 |
| Net loans and leases to core deposits | 74.2770% | 3,987 |
| Total domestic deposits to total assets | 84.6998% | 3,131 |
| Equity capital to assets | 12.6404% | 1,661 |
| Core capital (leverage) ratio | 12.4256% | 1,453 |
| Tier 1 risk-based capital ratio | 16.7564% | 2,454 |
| Total risk-based capital ratio | 17.6692% | 2,568 |
| Memoranda: | ||
| Average total assets | $179,350,000 | 3,200 |
| Average earning assets | $172,922,250 | 3,098 |
| Average equity | $21,752,000 | 3,013 |
| Average total loans | $107,140,000 | 3,282 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,134 |
| Cost of funding earning assets | 0.3973% | 3,305 |
| Net interest margin | 3.3823% | 3,964 |
| Noninterest income to average assets | 0.3831% | 4,208 |
| Noninterest expense to average assets | 2.0364% | 5,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1828% | 1,657 |
| Return on assets (ROA) | 1.2214% | 1,616 |
| Pretax return on assets | 1.6600% | 1,169 |
| Return on Equity (ROE) | 10.2121% | 1,971 |
| Retained earnings to average equity (ytd only) | 6.4986% | 1,945 |
| Net charge-offs to loans | 0.0094% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 289.6000% | 236 |
| Efficiency ratio | 55.8806% | 5,439 |
| Assets per employee ($millions) | 4.8910% | 2,410 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 4,258 |
| Loan loss allowance to noncurrent loans | 1,476.5432% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 5,484 |
| Noncurrent loans to loans | 0.0754% | 5,428 |
| Net loans and leases to total assets | 60.3399% | 3,780 |
| Net loans and leases to deposits | 73.1965% | 3,593 |
| Net loans and leases to core deposits | 77.6609% | 3,613 |
| Total domestic deposits to total assets | 82.4354% | 4,143 |
| Equity capital to assets | 12.2777% | 1,821 |
| Core capital (leverage) ratio | 11.8807% | 1,723 |
| Tier 1 risk-based capital ratio | 16.2658% | 2,725 |
| Total risk-based capital ratio | 17.1817% | 2,847 |
| Memoranda: | ||
| Average total assets | $180,119,000 | 3,213 |
| Average earning assets | $173,668,330 | 3,111 |
| Average equity | $21,543,000 | 3,049 |
| Average total loans | $106,927,670 | 3,300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,361 |
| Cost of funding earning assets | 0.3990% | 3,316 |
| Net interest margin | 3.3015% | 4,213 |
| Noninterest income to average assets | 0.3426% | 4,458 |
| Noninterest expense to average assets | 2.0468% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0986% | 1,878 |
| Return on assets (ROA) | 1.1376% | 1,841 |
| Pretax return on assets | 1.5285% | 1,469 |
| Return on Equity (ROE) | 9.6347% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.6347% | 1,009 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1047% | 5,323 |
| Assets per employee ($millions) | 5.1374% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,200 |
| Loan loss allowance to noncurrent loans | 1,501.2500% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,761 |
| Noncurrent loans to loans | 0.0773% | 5,465 |
| Net loans and leases to total assets | 56.8634% | 4,105 |
| Net loans and leases to deposits | 66.8373% | 4,067 |
| Net loans and leases to core deposits | 73.0452% | 3,867 |
| Total domestic deposits to total assets | 85.0774% | 3,367 |
| Equity capital to assets | 12.1585% | 1,922 |
| Core capital (leverage) ratio | 11.8267% | 1,758 |
| Tier 1 risk-based capital ratio | 16.5266% | 2,672 |
| Total risk-based capital ratio | 17.4629% | 2,765 |
| Memoranda: | ||
| Average total assets | $182,140,500 | 3,212 |
| Average earning assets | $175,433,000 | 3,112 |
| Average equity | $21,505,500 | 3,074 |
| Average total loans | $106,671,500 | 3,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,705 |
| Cost of funding earning assets | 0.4646% | 3,026 |
| Net interest margin | 3.2655% | 4,701 |
| Noninterest income to average assets | 0.3777% | 4,362 |
| Noninterest expense to average assets | 1.9882% | 5,784 |
| Loan and lease loss provision to assets | 0.0268% | 4,069 |
| Net operating income to assets | 1.1148% | 1,925 |
| Return on assets (ROA) | 1.1357% | 1,901 |
| Pretax return on assets | 1.5204% | 1,475 |
| Return on Equity (ROE) | 10.2596% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,204 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6840% | 5,601 |
| Assets per employee ($millions) | 5.1243% | 2,163 |
| Cash dividends to net income (ytd only)* | 45.5834% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,570 |
| Loan loss allowance to noncurrent loans | 3,431.4286% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,971 |
| Noncurrent loans to loans | 0.0318% | 5,759 |
| Net loans and leases to total assets | 58.9224% | 3,930 |
| Net loans and leases to deposits | 68.6802% | 4,060 |
| Net loans and leases to core deposits | 74.4927% | 3,875 |
| Total domestic deposits to total assets | 85.7925% | 2,951 |
| Equity capital to assets | 11.4646% | 2,461 |
| Core capital (leverage) ratio | 11.3336% | 2,102 |
| Tier 1 risk-based capital ratio | 15.7802% | 3,074 |
| Total risk-based capital ratio | 16.6967% | 3,188 |
| Memoranda: | ||
| Average total assets | $186,399,400 | 3,143 |
| Average earning assets | $178,657,800 | 3,062 |
| Average equity | $20,634,400 | 3,087 |
| Average total loans | $104,403,400 | 3,336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 4,891 |
| Cost of funding earning assets | 0.4775% | 2,981 |
| Net interest margin | 3.2127% | 4,924 |
| Noninterest income to average assets | 0.3960% | 4,279 |
| Noninterest expense to average assets | 1.9456% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1305% | 1,931 |
| Return on assets (ROA) | 1.1579% | 1,895 |
| Pretax return on assets | 1.5646% | 1,443 |
| Return on Equity (ROE) | 10.5529% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.9521% | 1,386 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0189% | 5,659 |
| Assets per employee ($millions) | 4.8708% | 2,415 |
| Cash dividends to net income (ytd only)* | 24.6457% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 4,784 |
| Loan loss allowance to noncurrent loans | 3,288.5714% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,093 |
| Noncurrent loans to loans | 0.0332% | 5,899 |
| Net loans and leases to total assets | 57.8601% | 4,092 |
| Net loans and leases to deposits | 68.6785% | 4,057 |
| Net loans and leases to core deposits | 74.4122% | 3,909 |
| Total domestic deposits to total assets | 84.2477% | 3,661 |
| Equity capital to assets | 11.7994% | 2,218 |
| Core capital (leverage) ratio | 11.2774% | 2,238 |
| Tier 1 risk-based capital ratio | 16.2859% | 2,911 |
| Total risk-based capital ratio | 17.1893% | 3,031 |
| Memoranda: | ||
| Average total assets | $186,881,000 | 3,168 |
| Average earning assets | $178,996,000 | 3,077 |
| Average equity | $20,505,750 | 3,116 |
| Average total loans | $103,030,000 | 3,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6100% | 5,122 |
| Cost of funding earning assets | 0.4926% | 2,906 |
| Net interest margin | 3.1174% | 5,197 |
| Noninterest income to average assets | 0.4431% | 3,918 |
| Noninterest expense to average assets | 1.8752% | 6,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1389% | 1,787 |
| Return on assets (ROA) | 1.1687% | 1,756 |
| Pretax return on assets | 1.5865% | 1,284 |
| Return on Equity (ROE) | 10.9121% | 1,767 |
| Retained earnings to average equity (ytd only) | 6.9620% | 1,793 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8068% | 5,846 |
| Assets per employee ($millions) | 5.3328% | 1,843 |
| Cash dividends to net income (ytd only)* | 36.1991% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 4,823 |
| Loan loss allowance to noncurrent loans | 3,197.2222% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,174 |
| Noncurrent loans to loans | 0.0350% | 5,957 |
| Net loans and leases to total assets | 54.5447% | 4,476 |
| Net loans and leases to deposits | 63.3260% | 4,560 |
| Net loans and leases to core deposits | 68.9672% | 4,363 |
| Total domestic deposits to total assets | 86.1332% | 2,979 |
| Equity capital to assets | 11.1113% | 2,775 |
| Core capital (leverage) ratio | 10.9152% | 2,513 |
| Tier 1 risk-based capital ratio | 16.2744% | 2,941 |
| Total risk-based capital ratio | 17.2002% | 3,052 |
| Memoranda: | ||
| Average total assets | $189,101,000 | 3,161 |
| Average earning assets | $180,665,330 | 3,073 |
| Average equity | $20,252,670 | 3,145 |
| Average total loans | $102,231,000 | 3,412 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 5,277 |
| Cost of funding earning assets | 0.5366% | 2,539 |
| Net interest margin | 3.0230% | 5,469 |
| Noninterest income to average assets | 0.4308% | 3,944 |
| Noninterest expense to average assets | 1.8452% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0800% | 1,897 |
| Return on assets (ROA) | 1.1391% | 1,736 |
| Pretax return on assets | 1.5426% | 1,306 |
| Return on Equity (ROE) | 10.8349% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.8349% | 772 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7814% | 5,859 |
| Assets per employee ($millions) | 5.6978% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 4,857 |
| Loan loss allowance to noncurrent loans | 368.9103% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 5,757 |
| Noncurrent loans to loans | 0.3124% | 5,168 |
| Net loans and leases to total assets | 50.9547% | 4,802 |
| Net loans and leases to deposits | 58.7988% | 4,863 |
| Net loans and leases to core deposits | 62.9453% | 4,794 |
| Total domestic deposits to total assets | 86.6594% | 3,010 |
| Equity capital to assets | 10.4917% | 3,251 |
| Core capital (leverage) ratio | 10.7127% | 2,689 |
| Tier 1 risk-based capital ratio | 16.4958% | 2,899 |
| Total risk-based capital ratio | 17.4419% | 3,024 |
| Memoranda: | ||
| Average total assets | $190,328,000 | 3,167 |
| Average earning assets | $181,145,500 | 3,080 |
| Average equity | $20,009,500 | 3,174 |
| Average total loans | $101,868,000 | 3,429 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,531 |
| Cost of funding earning assets | 0.6432% | 2,265 |
| Net interest margin | 3.2388% | 4,864 |
| Noninterest income to average assets | 0.4440% | 4,127 |
| Noninterest expense to average assets | 1.9935% | 6,040 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1507% | 1,758 |
| Return on assets (ROA) | 1.1681% | 1,747 |
| Pretax return on assets | 1.5622% | 1,264 |
| Return on Equity (ROE) | 10.7421% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.8292% | 2,077 |
| Net charge-offs to loans | 0.0256% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 106.9231% | 442 |
| Efficiency ratio | 56.4332% | 5,902 |
| Assets per employee ($millions) | 5.4980% | 1,651 |
| Cash dividends to net income (ytd only)* | 45.7346% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,108 |
| Loan loss allowance to noncurrent loans | 757.2368% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 6,099 |
| Noncurrent loans to loans | 0.1463% | 5,759 |
| Net loans and leases to total assets | 54.9518% | 4,465 |
| Net loans and leases to deposits | 63.4788% | 4,566 |
| Net loans and leases to core deposits | 66.9735% | 4,617 |
| Total domestic deposits to total assets | 86.5672% | 2,960 |
| Equity capital to assets | 10.5354% | 3,105 |
| Core capital (leverage) ratio | 10.5910% | 2,791 |
| Tier 1 risk-based capital ratio | 15.6715% | 3,264 |
| Total risk-based capital ratio | 16.5952% | 3,407 |
| Memoranda: | ||
| Average total assets | $180,637,000 | 3,267 |
| Average earning assets | $172,252,600 | 3,187 |
| Average equity | $19,642,400 | 3,195 |
| Average total loans | $101,473,000 | 3,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 4,508 |
| Cost of funding earning assets | 0.6607% | 2,257 |
| Net interest margin | 3.2367% | 4,869 |
| Noninterest income to average assets | 0.4550% | 4,123 |
| Noninterest expense to average assets | 1.9709% | 6,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1776% | 1,709 |
| Return on assets (ROA) | 1.2010% | 1,703 |
| Pretax return on assets | 1.6120% | 1,315 |
| Return on Equity (ROE) | 10.9560% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.2391% | 1,320 |
| Net charge-offs to loans | 0.0344% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 81.6441% | 583 |
| Efficiency ratio | 55.4927% | 5,973 |
| Assets per employee ($millions) | 5.0601% | 2,093 |
| Cash dividends to net income (ytd only)* | 24.7985% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,229 |
| Loan loss allowance to noncurrent loans | 892.2481% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 6,216 |
| Noncurrent loans to loans | 0.1260% | 5,944 |
| Net loans and leases to total assets | 57.1379% | 4,155 |
| Net loans and leases to deposits | 66.6750% | 4,222 |
| Net loans and leases to core deposits | 70.0848% | 4,314 |
| Total domestic deposits to total assets | 85.6961% | 3,406 |
| Equity capital to assets | 11.2120% | 2,551 |
| Core capital (leverage) ratio | 11.3167% | 2,183 |
| Tier 1 risk-based capital ratio | 16.0159% | 3,185 |
| Total risk-based capital ratio | 16.9567% | 3,302 |
| Memoranda: | ||
| Average total assets | $179,063,500 | 3,309 |
| Average earning assets | $171,321,500 | 3,227 |
| Average equity | $19,629,500 | 3,226 |
| Average total loans | $100,873,000 | 3,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,533 |
| Cost of funding earning assets | 0.6744% | 2,269 |
| Net interest margin | 3.2115% | 4,907 |
| Noninterest income to average assets | 0.4796% | 3,964 |
| Noninterest expense to average assets | 1.9698% | 6,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1802% | 1,642 |
| Return on assets (ROA) | 1.2152% | 1,656 |
| Pretax return on assets | 1.6303% | 1,273 |
| Return on Equity (ROE) | 11.1693% | 1,759 |
| Retained earnings to average equity (ytd only) | 7.0780% | 1,857 |
| Net charge-offs to loans | 0.0518% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 54.7308% | 750 |
| Efficiency ratio | 55.4338% | 6,030 |
| Assets per employee ($millions) | 5.0235% | 2,090 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 5,312 |
| Loan loss allowance to noncurrent loans | 788.3562% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 6,251 |
| Noncurrent loans to loans | 0.1434% | 5,966 |
| Net loans and leases to total assets | 57.2533% | 4,102 |
| Net loans and leases to deposits | 67.4396% | 4,082 |
| Net loans and leases to core deposits | 70.9668% | 4,170 |
| Total domestic deposits to total assets | 84.8957% | 3,943 |
| Equity capital to assets | 10.8438% | 2,901 |
| Core capital (leverage) ratio | 10.7278% | 2,640 |
| Tier 1 risk-based capital ratio | 15.6082% | 3,423 |
| Total risk-based capital ratio | 16.5501% | 3,554 |
| Memoranda: | ||
| Average total assets | $179,716,330 | 3,314 |
| Average earning assets | $172,008,330 | 3,227 |
| Average equity | $19,553,670 | 3,253 |
| Average total loans | $100,382,330 | 3,479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 4,672 |
| Cost of funding earning assets | 0.7070% | 2,150 |
| Net interest margin | 3.1353% | 5,140 |
| Noninterest income to average assets | 0.4426% | 4,158 |
| Noninterest expense to average assets | 1.9465% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1210% | 1,774 |
| Return on assets (ROA) | 1.1428% | 1,822 |
| Pretax return on assets | 1.5127% | 1,528 |
| Return on Equity (ROE) | 10.4862% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.4862% | 985 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7394% | 5,995 |
| Assets per employee ($millions) | 5.1014% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,164 |
| Loan loss allowance to noncurrent loans | 632.7957% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 6,270 |
| Noncurrent loans to loans | 0.1902% | 5,927 |
| Net loans and leases to total assets | 54.1112% | 4,398 |
| Net loans and leases to deposits | 63.2550% | 4,387 |
| Net loans and leases to core deposits | 67.2497% | 4,388 |
| Total domestic deposits to total assets | 85.5446% | 3,774 |
| Equity capital to assets | 11.1835% | 2,761 |
| Core capital (leverage) ratio | 10.5253% | 2,744 |
| Tier 1 risk-based capital ratio | 15.7916% | 3,379 |
| Total risk-based capital ratio | 16.7750% | 3,474 |
| Memoranda: | ||
| Average total assets | $181,662,500 | 3,327 |
| Average earning assets | $173,123,000 | 3,234 |
| Average equity | $19,797,500 | 3,267 |
| Average total loans | $99,665,500 | 3,514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 4,684 |
| Cost of funding earning assets | 0.8460% | 2,318 |
| Net interest margin | 3.3263% | 5,155 |
| Noninterest income to average assets | 0.4467% | 4,269 |
| Noninterest expense to average assets | 1.9416% | 6,433 |
| Loan and lease loss provision to assets | 0.0139% | 5,736 |
| Net operating income to assets | 1.2312% | 1,500 |
| Return on assets (ROA) | 1.2410% | 1,637 |
| Pretax return on assets | 1.6755% | 1,197 |
| Return on Equity (ROE) | 11.6941% | 1,599 |
| Retained earnings to average equity (ytd only) | 6.6801% | 1,731 |
| Net charge-offs to loans | 0.0779% | 4,896 |
| Credit loss provision to net charge-offs | 32.0513% | 5,086 |
| Earnings coverage of net charge-offs (x) | 38.7692% | 823 |
| Efficiency ratio | 53.6694% | 6,294 |
| Assets per employee ($millions) | 5.2793% | 1,924 |
| Cash dividends to net income (ytd only)* | 42.8763% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 5,305 |
| Loan loss allowance to noncurrent loans | 884.9624% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 6,427 |
| Noncurrent loans to loans | 0.1310% | 6,157 |
| Net loans and leases to total assets | 54.3155% | 4,579 |
| Net loans and leases to deposits | 63.8622% | 4,549 |
| Net loans and leases to core deposits | 68.1895% | 4,514 |
| Total domestic deposits to total assets | 85.0511% | 3,841 |
| Equity capital to assets | 10.6221% | 3,375 |
| Core capital (leverage) ratio | 10.2034% | 3,133 |
| Tier 1 risk-based capital ratio | 15.0049% | 3,717 |
| Total risk-based capital ratio | 15.9656% | 3,840 |
| Memoranda: | ||
| Average total assets | $180,418,400 | 3,307 |
| Average earning assets | $171,994,800 | 3,201 |
| Average equity | $19,146,400 | 3,315 |
| Average total loans | $100,166,800 | 3,519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 4,766 |
| Cost of funding earning assets | 0.8690% | 2,399 |
| Net interest margin | 3.3451% | 5,228 |
| Noninterest income to average assets | 0.4520% | 4,276 |
| Noninterest expense to average assets | 1.9130% | 6,503 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2768% | 1,501 |
| Return on assets (ROA) | 1.2900% | 1,611 |
| Pretax return on assets | 1.7509% | 1,158 |
| Return on Equity (ROE) | 12.1584% | 1,582 |
| Retained earnings to average equity (ytd only) | 9.3553% | 1,104 |
| Net charge-offs to loans | 0.1042% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 29.8838% | 1,101 |
| Efficiency ratio | 52.4674% | 6,411 |
| Assets per employee ($millions) | 5.3788% | 1,752 |
| Cash dividends to net income (ytd only)* | 23.0547% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,467 |
| Loan loss allowance to noncurrent loans | 828.7770% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 6,549 |
| Noncurrent loans to loans | 0.1402% | 6,251 |
| Net loans and leases to total assets | 53.5767% | 4,810 |
| Net loans and leases to deposits | 63.1705% | 4,819 |
| Net loans and leases to core deposits | 67.8908% | 4,735 |
| Total domestic deposits to total assets | 84.8128% | 3,833 |
| Equity capital to assets | 10.8356% | 3,461 |
| Core capital (leverage) ratio | 10.1717% | 3,317 |
| Tier 1 risk-based capital ratio | 15.3785% | 3,607 |
| Total risk-based capital ratio | 16.3393% | 3,738 |
| Memoranda: | ||
| Average total assets | $179,329,000 | 3,364 |
| Average earning assets | $171,229,500 | 3,245 |
| Average equity | $19,026,250 | 3,358 |
| Average total loans | $99,823,750 | 3,560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 4,836 |
| Cost of funding earning assets | 0.8941% | 2,452 |
| Net interest margin | 3.3387% | 5,313 |
| Noninterest income to average assets | 0.4491% | 4,298 |
| Noninterest expense to average assets | 1.9243% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2622% | 1,537 |
| Return on assets (ROA) | 1.2821% | 1,646 |
| Pretax return on assets | 1.7379% | 1,165 |
| Return on Equity (ROE) | 12.1729% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.9092% | 1,672 |
| Net charge-offs to loans | 0.1579% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.2911% | 1,444 |
| Efficiency ratio | 52.9339% | 6,427 |
| Assets per employee ($millions) | 5.4304% | 1,676 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 5,564 |
| Loan loss allowance to noncurrent loans | 752.2876% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 6,605 |
| Noncurrent loans to loans | 0.1531% | 6,282 |
| Net loans and leases to total assets | 53.5002% | 4,878 |
| Net loans and leases to deposits | 62.6651% | 4,922 |
| Net loans and leases to core deposits | 67.3216% | 4,863 |
| Total domestic deposits to total assets | 85.3748% | 3,678 |
| Equity capital to assets | 10.3557% | 3,867 |
| Core capital (leverage) ratio | 9.8666% | 3,626 |
| Tier 1 risk-based capital ratio | 14.9239% | 3,816 |
| Total risk-based capital ratio | 15.8865% | 3,974 |
| Memoranda: | ||
| Average total assets | $178,146,000 | 3,384 |
| Average earning assets | $170,004,670 | 3,269 |
| Average equity | $18,763,000 | 3,392 |
| Average total loans | $100,054,330 | 3,569 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 4,814 |
| Cost of funding earning assets | 0.9184% | 2,534 |
| Net interest margin | 3.3617% | 5,258 |
| Noninterest income to average assets | 0.4048% | 4,632 |
| Noninterest expense to average assets | 1.9782% | 6,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2081% | 1,709 |
| Return on assets (ROA) | 1.2487% | 1,776 |
| Pretax return on assets | 1.6878% | 1,340 |
| Return on Equity (ROE) | 11.7517% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.7517% | 864 |
| Net charge-offs to loans | -0.0040% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7815% | 6,258 |
| Assets per employee ($millions) | 5.1832% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 5,313 |
| Loan loss allowance to noncurrent loans | 341.9444% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 6,377 |
| Noncurrent loans to loans | 0.3627% | 5,951 |
| Net loans and leases to total assets | 55.6202% | 4,453 |
| Net loans and leases to deposits | 66.1785% | 4,349 |
| Net loans and leases to core deposits | 70.8901% | 4,313 |
| Total domestic deposits to total assets | 84.0458% | 4,469 |
| Equity capital to assets | 10.6469% | 3,324 |
| Core capital (leverage) ratio | 10.3540% | 2,929 |
| Tier 1 risk-based capital ratio | 15.0766% | 3,707 |
| Total risk-based capital ratio | 16.1281% | 3,808 |
| Memoranda: | ||
| Average total assets | $174,902,500 | 3,458 |
| Average earning assets | $166,819,500 | 3,336 |
| Average equity | $18,584,500 | 3,408 |
| Average total loans | $100,116,500 | 3,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 4,781 |
| Cost of funding earning assets | 1.0764% | 2,833 |
| Net interest margin | 3.4960% | 5,164 |
| Noninterest income to average assets | 0.4451% | 4,262 |
| Noninterest expense to average assets | 2.0792% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2303% | 1,429 |
| Return on assets (ROA) | 1.2303% | 1,533 |
| Pretax return on assets | 1.6947% | 996 |
| Return on Equity (ROE) | 11.7002% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.6156% | 1,686 |
| Net charge-offs to loans | 0.0051% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 564.2000% | 55 |
| Efficiency ratio | 55.0939% | 6,408 |
| Assets per employee ($millions) | 5.1052% | 2,055 |
| Cash dividends to net income (ytd only)* | 43.4570% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,304 |
| Loan loss allowance to noncurrent loans | 723.5294% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 6,709 |
| Noncurrent loans to loans | 0.1683% | 6,415 |
| Net loans and leases to total assets | 57.4694% | 4,469 |
| Net loans and leases to deposits | 68.4492% | 4,374 |
| Net loans and leases to core deposits | 73.2482% | 4,344 |
| Total domestic deposits to total assets | 83.9592% | 4,334 |
| Equity capital to assets | 10.6040% | 3,413 |
| Core capital (leverage) ratio | 10.3594% | 2,896 |
| Tier 1 risk-based capital ratio | 14.5595% | 3,930 |
| Total risk-based capital ratio | 15.6065% | 4,044 |
| Memoranda: | ||
| Average total assets | $166,462,000 | 3,548 |
| Average earning assets | $158,493,600 | 3,434 |
| Average equity | $17,504,000 | 3,503 |
| Average total loans | $97,608,600 | 3,682 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 4,843 |
| Cost of funding earning assets | 1.0989% | 2,985 |
| Net interest margin | 3.5081% | 5,155 |
| Noninterest income to average assets | 0.4493% | 4,300 |
| Noninterest expense to average assets | 2.0451% | 6,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2735% | 1,445 |
| Return on assets (ROA) | 1.2735% | 1,553 |
| Pretax return on assets | 1.7488% | 1,045 |
| Return on Equity (ROE) | 12.1381% | 1,514 |
| Retained earnings to average equity (ytd only) | 9.3216% | 1,038 |
| Net charge-offs to loans | 0.0083% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 359.9913% | 103 |
| Efficiency ratio | 53.9052% | 6,500 |
| Assets per employee ($millions) | 4.7811% | 2,502 |
| Cash dividends to net income (ytd only)* | 23.2039% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 5,124 |
| Loan loss allowance to noncurrent loans | 442.0863% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,624 |
| Noncurrent loans to loans | 0.2883% | 6,274 |
| Net loans and leases to total assets | 58.5613% | 4,406 |
| Net loans and leases to deposits | 70.6826% | 4,190 |
| Net loans and leases to core deposits | 73.9766% | 4,445 |
| Total domestic deposits to total assets | 82.8510% | 4,740 |
| Equity capital to assets | 11.3147% | 2,850 |
| Core capital (leverage) ratio | 10.6495% | 2,713 |
| Tier 1 risk-based capital ratio | 15.1490% | 3,580 |
| Total risk-based capital ratio | 16.2344% | 3,641 |
| Memoranda: | ||
| Average total assets | $164,683,500 | 3,594 |
| Average earning assets | $157,003,500 | 3,481 |
| Average equity | $17,278,500 | 3,539 |
| Average total loans | $96,765,000 | 3,734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 5,072 |
| Cost of funding earning assets | 1.1122% | 3,153 |
| Net interest margin | 3.4636% | 5,309 |
| Noninterest income to average assets | 0.4414% | 4,340 |
| Noninterest expense to average assets | 2.0521% | 6,686 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2298% | 1,497 |
| Return on assets (ROA) | 1.2298% | 1,571 |
| Pretax return on assets | 1.6917% | 1,074 |
| Return on Equity (ROE) | 12.0305% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.7128% | 1,575 |
| Net charge-offs to loans | 0.0083% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 349.7500% | 94 |
| Efficiency ratio | 54.8127% | 6,529 |
| Assets per employee ($millions) | 4.7089% | 2,532 |
| Cash dividends to net income (ytd only)* | 35.8899% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 5,002 |
| Loan loss allowance to noncurrent loans | 1,309.5745% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,953 |
| Noncurrent loans to loans | 0.1002% | 6,724 |
| Net loans and leases to total assets | 57.8266% | 4,665 |
| Net loans and leases to deposits | 69.4245% | 4,508 |
| Net loans and leases to core deposits | 71.9238% | 4,831 |
| Total domestic deposits to total assets | 83.2943% | 4,641 |
| Equity capital to assets | 10.8925% | 3,076 |
| Core capital (leverage) ratio | 10.1750% | 3,061 |
| Tier 1 risk-based capital ratio | 15.0707% | 3,457 |
| Total risk-based capital ratio | 16.1885% | 3,498 |
| Memoranda: | ||
| Average total assets | $165,392,000 | 3,605 |
| Average earning assets | $157,699,000 | 3,488 |
| Average equity | $16,907,000 | 3,590 |
| Average total loans | $96,878,330 | 3,773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 5,461 |
| Cost of funding earning assets | 1.1211% | 3,365 |
| Net interest margin | 3.3458% | 5,623 |
| Noninterest income to average assets | 0.4190% | 4,550 |
| Noninterest expense to average assets | 2.0448% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1378% | 1,708 |
| Return on assets (ROA) | 1.1378% | 1,753 |
| Pretax return on assets | 1.5639% | 1,268 |
| Return on Equity (ROE) | 11.4897% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.4897% | 812 |
| Net charge-offs to loans | -0.0122% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6623% | 6,426 |
| Assets per employee ($millions) | 4.8076% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,193 |
| Loan loss allowance to noncurrent loans | 982.5397% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,903 |
| Noncurrent loans to loans | 0.1310% | 6,718 |
| Net loans and leases to total assets | 58.0742% | 4,637 |
| Net loans and leases to deposits | 69.2959% | 4,470 |
| Net loans and leases to core deposits | 72.5525% | 4,719 |
| Total domestic deposits to total assets | 83.8062% | 4,567 |
| Equity capital to assets | 10.3715% | 3,322 |
| Core capital (leverage) ratio | 10.0606% | 3,077 |
| Tier 1 risk-based capital ratio | 14.9391% | 3,458 |
| Total risk-based capital ratio | 16.0651% | 3,497 |
| Memoranda: | ||
| Average total assets | $168,037,500 | 3,590 |
| Average earning assets | $160,202,000 | 3,463 |
| Average equity | $16,641,000 | 3,618 |
| Average total loans | $98,411,500 | 3,761 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 4,405 |
| Cost of funding earning assets | 1.3550% | 3,539 |
| Net interest margin | 3.6762% | 4,459 |
| Noninterest income to average assets | 0.5227% | 4,007 |
| Noninterest expense to average assets | 2.2195% | 6,569 |
| Loan and lease loss provision to assets | 0.1593% | 5,617 |
| Net operating income to assets | 1.1608% | 1,507 |
| Return on assets (ROA) | 1.1672% | 1,568 |
| Pretax return on assets | 1.6075% | 1,110 |
| Return on Equity (ROE) | 11.6897% | 1,395 |
| Retained earnings to average equity (ytd only) | 6.6548% | 1,478 |
| Net charge-offs to loans | 0.1167% | 5,712 |
| Credit loss provision to net charge-offs | 216.1017% | 1,399 |
| Earnings coverage of net charge-offs (x) | 23.8559% | 887 |
| Efficiency ratio | 55.8015% | 6,620 |
| Assets per employee ($millions) | 5.0770% | 2,048 |
| Cash dividends to net income (ytd only)* | 43.0712% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 5,382 |
| Loan loss allowance to noncurrent loans | 256.2241% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 6,332 |
| Noncurrent loans to loans | 0.4788% | 6,078 |
| Net loans and leases to total assets | 57.5975% | 5,085 |
| Net loans and leases to deposits | 67.5130% | 5,163 |
| Net loans and leases to core deposits | 70.5103% | 5,400 |
| Total domestic deposits to total assets | 85.3131% | 3,712 |
| Equity capital to assets | 9.4597% | 4,453 |
| Core capital (leverage) ratio | 10.1684% | 2,902 |
| Tier 1 risk-based capital ratio | 14.0673% | 3,826 |
| Total risk-based capital ratio | 15.1568% | 3,899 |
| Memoranda: | ||
| Average total assets | $160,124,400 | 3,695 |
| Average earning assets | $150,481,600 | 3,627 |
| Average equity | $15,988,400 | 3,768 |
| Average total loans | $101,089,000 | 3,760 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 3,853 |
| Cost of funding earning assets | 1.4240% | 3,431 |
| Net interest margin | 3.7718% | 4,086 |
| Noninterest income to average assets | 0.5376% | 3,888 |
| Noninterest expense to average assets | 2.2292% | 6,525 |
| Loan and lease loss provision to assets | 0.1656% | 5,387 |
| Net operating income to assets | 1.1965% | 1,603 |
| Return on assets (ROA) | 1.2051% | 1,661 |
| Pretax return on assets | 1.6840% | 1,147 |
| Return on Equity (ROE) | 11.8966% | 1,535 |
| Retained earnings to average equity (ytd only) | 8.8366% | 1,107 |
| Net charge-offs to loans | 0.1252% | 5,301 |
| Credit loss provision to net charge-offs | 205.2632% | 1,724 |
| Earnings coverage of net charge-offs (x) | 22.7796% | 1,080 |
| Efficiency ratio | 54.8131% | 6,710 |
| Assets per employee ($millions) | 4.3613% | 3,143 |
| Cash dividends to net income (ytd only)* | 25.7221% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,495 |
| Loan loss allowance to noncurrent loans | 180.4217% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,763 |
| Noncurrent loans to loans | 0.6650% | 5,872 |
| Net loans and leases to total assets | 64.6304% | 3,989 |
| Net loans and leases to deposits | 78.0665% | 3,815 |
| Net loans and leases to core deposits | 82.5682% | 4,154 |
| Total domestic deposits to total assets | 82.7888% | 4,680 |
| Equity capital to assets | 10.9620% | 2,997 |
| Core capital (leverage) ratio | 10.2178% | 3,024 |
| Tier 1 risk-based capital ratio | 14.2212% | 3,685 |
| Total risk-based capital ratio | 15.2904% | 3,776 |
| Memoranda: | ||
| Average total assets | $157,001,250 | 3,815 |
| Average earning assets | $146,909,750 | 3,735 |
| Average equity | $15,903,250 | 3,828 |
| Average total loans | $101,196,750 | 3,828 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 4,150 |
| Cost of funding earning assets | 1.4561% | 3,524 |
| Net interest margin | 3.7024% | 4,357 |
| Noninterest income to average assets | 0.4796% | 4,291 |
| Noninterest expense to average assets | 2.2126% | 6,616 |
| Loan and lease loss provision to assets | 0.1515% | 5,387 |
| Net operating income to assets | 1.1309% | 1,753 |
| Return on assets (ROA) | 1.1309% | 1,820 |
| Pretax return on assets | 1.5689% | 1,383 |
| Return on Equity (ROE) | 11.4676% | 1,603 |
| Retained earnings to average equity (ytd only) | 6.7961% | 1,924 |
| Net charge-offs to loans | 0.0531% | 5,639 |
| Credit loss provision to net charge-offs | 444.4444% | 815 |
| Earnings coverage of net charge-offs (x) | 50.4815% | 587 |
| Efficiency ratio | 56.2580% | 6,607 |
| Assets per employee ($millions) | 4.5395% | 2,813 |
| Cash dividends to net income (ytd only)* | 40.7366% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,572 |
| Loan loss allowance to noncurrent loans | 243.0612% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 6,283 |
| Noncurrent loans to loans | 0.4839% | 6,283 |
| Net loans and leases to total assets | 64.8387% | 4,074 |
| Net loans and leases to deposits | 77.5064% | 4,080 |
| Net loans and leases to core deposits | 83.9146% | 4,151 |
| Total domestic deposits to total assets | 83.6559% | 4,261 |
| Equity capital to assets | 10.3192% | 3,626 |
| Core capital (leverage) ratio | 9.7370% | 3,489 |
| Tier 1 risk-based capital ratio | 13.6859% | 3,951 |
| Total risk-based capital ratio | 14.7435% | 4,037 |
| Memoranda: | ||
| Average total assets | $158,453,330 | 3,821 |
| Average earning assets | $147,796,670 | 3,746 |
| Average equity | $15,626,670 | 3,864 |
| Average total loans | $101,644,670 | 3,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 4,567 |
| Cost of funding earning assets | 1.4700% | 3,735 |
| Net interest margin | 3.6227% | 4,610 |
| Noninterest income to average assets | 0.3937% | 4,962 |
| Noninterest expense to average assets | 2.2130% | 6,658 |
| Loan and lease loss provision to assets | 0.1495% | 5,055 |
| Net operating income to assets | 1.0143% | 2,130 |
| Return on assets (ROA) | 1.0143% | 2,196 |
| Pretax return on assets | 1.3906% | 1,804 |
| Return on Equity (ROE) | 10.5192% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.5192% | 1,034 |
| Net charge-offs to loans | -0.0039% | 6,798 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9641% | 6,344 |
| Assets per employee ($millions) | 4.7103% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 5,795 |
| Loan loss allowance to noncurrent loans | 201.5652% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 6,237 |
| Noncurrent loans to loans | 0.5689% | 6,161 |
| Net loans and leases to total assets | 62.3834% | 4,679 |
| Net loans and leases to deposits | 73.9515% | 4,749 |
| Net loans and leases to core deposits | 81.2080% | 4,591 |
| Total domestic deposits to total assets | 84.3572% | 3,972 |
| Equity capital to assets | 9.7871% | 4,131 |
| Core capital (leverage) ratio | 9.5368% | 3,711 |
| Tier 1 risk-based capital ratio | 13.5791% | 3,942 |
| Total risk-based capital ratio | 14.6085% | 4,041 |
| Memoranda: | ||
| Average total assets | $160,508,500 | 3,836 |
| Average earning assets | $148,839,500 | 3,780 |
| Average equity | $15,476,500 | 3,929 |
| Average total loans | $101,834,500 | 3,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 3,391 |
| Cost of funding earning assets | 1.7068% | 4,470 |
| Net interest margin | 3.9349% | 3,145 |
| Noninterest income to average assets | 0.5259% | 4,208 |
| Noninterest expense to average assets | 2.4150% | 6,420 |
| Loan and lease loss provision to assets | 0.3134% | 4,939 |
| Net operating income to assets | 1.0628% | 1,613 |
| Return on assets (ROA) | 1.0657% | 1,650 |
| Pretax return on assets | 1.4555% | 1,300 |
| Return on Equity (ROE) | 10.8148% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.9633% | 1,364 |
| Net charge-offs to loans | 0.5501% | 3,584 |
| Credit loss provision to net charge-offs | 81.6609% | 6,253 |
| Earnings coverage of net charge-offs (x) | 4.5986% | 2,892 |
| Efficiency ratio | 57.3789% | 6,849 |
| Assets per employee ($millions) | 4.7314% | 2,568 |
| Cash dividends to net income (ytd only)* | 44.8598% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 6,040 |
| Loan loss allowance to noncurrent loans | 623.8636% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 6,586 |
| Noncurrent loans to loans | 0.1715% | 6,993 |
| Net loans and leases to total assets | 63.0987% | 4,787 |
| Net loans and leases to deposits | 74.4532% | 4,958 |
| Net loans and leases to core deposits | 94.0619% | 4,666 |
| Total domestic deposits to total assets | 84.7495% | 3,685 |
| Equity capital to assets | 9.4979% | 4,412 |
| Core capital (leverage) ratio | 9.5706% | 3,636 |
| Tier 1 risk-based capital ratio | 12.9708% | 4,163 |
| Total risk-based capital ratio | 13.9278% | 4,315 |
| Memoranda: | ||
| Average total assets | $150,599,200 | 3,949 |
| Average earning assets | $139,852,600 | 3,908 |
| Average equity | $14,840,800 | 4,089 |
| Average total loans | $105,062,600 | 3,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 3,278 |
| Cost of funding earning assets | 1.7469% | 4,651 |
| Net interest margin | 3.9663% | 2,955 |
| Noninterest income to average assets | 0.5881% | 3,792 |
| Noninterest expense to average assets | 2.4607% | 6,214 |
| Loan and lease loss provision to assets | 0.3711% | 4,103 |
| Net operating income to assets | 1.0619% | 1,857 |
| Return on assets (ROA) | 1.0619% | 1,916 |
| Pretax return on assets | 1.4600% | 1,519 |
| Return on Equity (ROE) | 10.6709% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,345 |
| Net charge-offs to loans | 0.7141% | 2,563 |
| Credit loss provision to net charge-offs | 72.7915% | 5,927 |
| Earnings coverage of net charge-offs (x) | 3.5919% | 3,471 |
| Efficiency ratio | 56.8101% | 6,893 |
| Assets per employee ($millions) | 4.3157% | 3,182 |
| Cash dividends to net income (ytd only)* | 30.5345% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,246 |
| Loan loss allowance to noncurrent loans | 200.3817% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4396% | 6,355 |
| Noncurrent loans to loans | 0.5025% | 6,302 |
| Net loans and leases to total assets | 70.3550% | 3,423 |
| Net loans and leases to deposits | 86.8169% | 3,165 |
| Net loans and leases to core deposits | 102.1593% | 4,139 |
| Total domestic deposits to total assets | 81.0383% | 5,070 |
| Equity capital to assets | 10.4959% | 3,520 |
| Core capital (leverage) ratio | 10.1418% | 3,127 |
| Tier 1 risk-based capital ratio | 13.2137% | 4,043 |
| Total risk-based capital ratio | 14.1502% | 4,200 |
| Memoranda: | ||
| Average total assets | $148,032,250 | 4,006 |
| Average earning assets | $138,226,500 | 3,961 |
| Average equity | $14,731,250 | 4,145 |
| Average total loans | $105,677,500 | 3,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6758% | 3,687 |
| Cost of funding earning assets | 1.8054% | 4,729 |
| Net interest margin | 3.8704% | 3,247 |
| Noninterest income to average assets | 0.6035% | 3,662 |
| Noninterest expense to average assets | 2.5056% | 6,107 |
| Loan and lease loss provision to assets | 0.4311% | 3,402 |
| Net operating income to assets | 0.9632% | 2,231 |
| Return on assets (ROA) | 0.9632% | 2,336 |
| Pretax return on assets | 1.3027% | 2,018 |
| Return on Equity (ROE) | 9.8566% | 2,069 |
| Retained earnings to average equity (ytd only) | 4.8939% | 2,568 |
| Net charge-offs to loans | 0.5464% | 2,689 |
| Credit loss provision to net charge-offs | 110.3448% | 4,196 |
| Earnings coverage of net charge-offs (x) | 4.4379% | 3,095 |
| Efficiency ratio | 58.3095% | 6,810 |
| Assets per employee ($millions) | 4.3784% | 2,973 |
| Cash dividends to net income (ytd only)* | 50.3497% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 5,139 |
| Loan loss allowance to noncurrent loans | 206.0100% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 6,229 |
| Noncurrent loans to loans | 0.5685% | 6,129 |
| Net loans and leases to total assets | 69.9551% | 3,716 |
| Net loans and leases to deposits | 83.8869% | 3,900 |
| Net loans and leases to core deposits | 100.7498% | 4,431 |
| Total domestic deposits to total assets | 83.3922% | 4,071 |
| Equity capital to assets | 9.8210% | 4,191 |
| Core capital (leverage) ratio | 9.6180% | 3,740 |
| Tier 1 risk-based capital ratio | 12.7259% | 4,340 |
| Total risk-based capital ratio | 13.8201% | 4,389 |
| Memoranda: | ||
| Average total assets | $148,465,330 | 4,020 |
| Average earning assets | $139,470,330 | 3,957 |
| Average equity | $14,508,000 | 4,197 |
| Average total loans | $106,142,000 | 3,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,776 |
| Cost of funding earning assets | 1.8341% | 4,947 |
| Net interest margin | 3.8719% | 3,180 |
| Noninterest income to average assets | 0.5261% | 4,089 |
| Noninterest expense to average assets | 2.4497% | 6,026 |
| Loan and lease loss provision to assets | 0.7014% | 1,808 |
| Net operating income to assets | 0.7797% | 3,216 |
| Return on assets (ROA) | 0.7797% | 3,380 |
| Pretax return on assets | 1.0144% | 3,292 |
| Return on Equity (ROE) | 7.9989% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.9989% | 1,817 |
| Net charge-offs to loans | 1.0889% | 1,250 |
| Credit loss provision to net charge-offs | 89.6552% | 4,017 |
| Earnings coverage of net charge-offs (x) | 2.1931% | 3,644 |
| Efficiency ratio | 57.9663% | 6,705 |
| Assets per employee ($millions) | 4.1889% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,338 |
| Loan loss allowance to noncurrent loans | 970.2479% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 7,345 |
| Noncurrent loans to loans | 0.1153% | 7,197 |
| Net loans and leases to total assets | 70.7973% | 3,519 |
| Net loans and leases to deposits | 85.2389% | 3,768 |
| Net loans and leases to core deposits | 103.0396% | 4,238 |
| Total domestic deposits to total assets | 83.0574% | 4,116 |
| Equity capital to assets | 9.9589% | 4,042 |
| Core capital (leverage) ratio | 9.7902% | 3,644 |
| Tier 1 risk-based capital ratio | 12.8458% | 4,297 |
| Total risk-based capital ratio | 13.9024% | 4,352 |
| Memoranda: | ||
| Average total assets | $148,266,000 | 4,040 |
| Average earning assets | $139,363,500 | 3,966 |
| Average equity | $14,452,000 | 4,236 |
| Average total loans | $106,527,000 | 3,870 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 4,861 |
| Cost of funding earning assets | 2.2918% | 5,193 |
| Net interest margin | 3.8437% | 3,827 |
| Noninterest income to average assets | 0.5431% | 4,286 |
| Noninterest expense to average assets | 2.3841% | 6,449 |
| Loan and lease loss provision to assets | 0.1310% | 5,691 |
| Net operating income to assets | 1.1382% | 1,993 |
| Return on assets (ROA) | 1.1540% | 1,852 |
| Pretax return on assets | 1.6011% | 1,381 |
| Return on Equity (ROE) | 12.2881% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.0311% | 1,142 |
| Net charge-offs to loans | 0.1037% | 5,272 |
| Credit loss provision to net charge-offs | 180.1887% | 2,797 |
| Earnings coverage of net charge-offs (x) | 23.5283% | 1,421 |
| Efficiency ratio | 57.3773% | 6,805 |
| Assets per employee ($millions) | 4.2834% | 2,983 |
| Cash dividends to net income (ytd only)* | 42.7807% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,170 |
| Loan loss allowance to noncurrent loans | 1,672.2222% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 7,391 |
| Noncurrent loans to loans | 0.0666% | 7,240 |
| Net loans and leases to total assets | 71.2905% | 3,732 |
| Net loans and leases to deposits | 88.6873% | 3,687 |
| Net loans and leases to core deposits | 106.8107% | 4,104 |
| Total domestic deposits to total assets | 80.3841% | 4,873 |
| Equity capital to assets | 9.5405% | 4,624 |
| Core capital (leverage) ratio | 9.5081% | 4,007 |
| Tier 1 risk-based capital ratio | 12.2474% | 4,630 |
| Total risk-based capital ratio | 13.3028% | 4,664 |
| Memoranda: | ||
| Average total assets | $145,841,200 | 3,978 |
| Average earning assets | $134,740,000 | 3,957 |
| Average equity | $13,696,200 | 4,402 |
| Average total loans | $102,179,800 | 3,889 |