Home > Farmers and Merchants Union Bank > Performance and Condition Ratios
Farmers and Merchants Union Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4372% | 680 |
| Cost of funding earning assets | 2.2155% | 1,399 |
| Net interest margin | 4.2216% | 930 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 2.2784% | 2,897 |
| Loan and lease loss provision to assets | 1.1200% | 78 |
| Net operating income to assets | 0.7283% | 3,034 |
| Return on assets (ROA) | 0.7283% | 3,038 |
| Pretax return on assets | 0.7772% | 3,239 |
| Return on Equity (ROE) | 5.6600% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.6554% | 2,374 |
| Net charge-offs to loans | -0.2310% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.5470% | 3,549 |
| Assets per employee ($millions) | 9.3608% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3071% | 261 |
| Loan loss allowance to noncurrent loans | 2,923.5294% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,228 |
| Noncurrent loans to loans | 0.0789% | 3,274 |
| Net loans and leases to total assets | 78.2000% | 812 |
| Net loans and leases to deposits | 90.7708% | 1,035 |
| Net loans and leases to core deposits | 98.1601% | 1,491 |
| Total domestic deposits to total assets | 86.1500% | 2,248 |
| Equity capital to assets | 11.5299% | 1,405 |
| Core capital (leverage) ratio | 11.9063% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $572,851,500 | 1,615 |
| Average earning assets | $534,767,500 | 1,599 |
| Average equity | $73,770,000 | 1,302 |
| Average total loans | $446,760,000 | 1,435 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6784% | 1,752 |
| Cost of funding earning assets | 2.0695% | 2,051 |
| Net interest margin | 3.6089% | 1,813 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.4696% | 4,279 |
| Loan and lease loss provision to assets | -0.8700% | 4,484 |
| Net operating income to assets | 2.4514% | 246 |
| Return on assets (ROA) | 2.4514% | 243 |
| Pretax return on assets | 3.0841% | 183 |
| Return on Equity (ROE) | 17.9200% | 595 |
| Retained earnings to average equity (ytd only) | 14.8319% | 247 |
| Net charge-offs to loans | -0.0219% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 39.9468% | 4,338 |
| Assets per employee ($millions) | 10.0269% | 763 |
| Cash dividends to net income (ytd only)* | 17.2488% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7422% | 179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 70.5100% | 1,782 |
| Net loans and leases to deposits | 90.8181% | 1,164 |
| Net loans and leases to core deposits | 94.4303% | 1,847 |
| Total domestic deposits to total assets | 77.6400% | 3,762 |
| Equity capital to assets | 14.2158% | 693 |
| Core capital (leverage) ratio | 15.5499% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7265% | 707 |
| Memoranda: | ||
| Average total assets | $504,509,500 | 1,751 |
| Average earning assets | $478,880,500 | 1,724 |
| Average equity | $69,002,500 | 1,324 |
| Average total loans | $371,821,250 | 1,615 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 1,791 |
| Cost of funding earning assets | 2.0150% | 2,085 |
| Net interest margin | 3.5758% | 1,823 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.4108% | 4,331 |
| Loan and lease loss provision to assets | -1.3300% | 4,502 |
| Net operating income to assets | 2.8881% | 163 |
| Return on assets (ROA) | 2.8881% | 167 |
| Pretax return on assets | 3.5664% | 140 |
| Return on Equity (ROE) | 21.4100% | 373 |
| Retained earnings to average equity (ytd only) | 16.6547% | 212 |
| Net charge-offs to loans | -0.0297% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 38.6491% | 4,378 |
| Assets per employee ($millions) | 9.3349% | 899 |
| Cash dividends to net income (ytd only)* | 22.2099% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7225% | 184 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.4400% | 1,485 |
| Net loans and leases to deposits | 94.2185% | 928 |
| Net loans and leases to core deposits | 97.1989% | 1,660 |
| Total domestic deposits to total assets | 77.9400% | 3,713 |
| Equity capital to assets | 13.8445% | 705 |
| Core capital (leverage) ratio | 15.3466% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5883% | 719 |
| Memoranda: | ||
| Average total assets | $498,880,000 | 1,765 |
| Average earning assets | $473,456,667 | 1,733 |
| Average equity | $67,296,333 | 1,341 |
| Average total loans | $369,754,000 | 1,614 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 1,968 |
| Cost of funding earning assets | 1.8843% | 2,283 |
| Net interest margin | 3.5367% | 1,831 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.4282% | 4,343 |
| Loan and lease loss provision to assets | -0.4000% | 4,555 |
| Net operating income to assets | 2.2100% | 342 |
| Return on assets (ROA) | 2.2100% | 345 |
| Pretax return on assets | 2.5768% | 318 |
| Return on Equity (ROE) | 16.6100% | 765 |
| Retained earnings to average equity (ytd only) | 16.6055% | 330 |
| Net charge-offs to loans | -0.0472% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 39.6509% | 4,354 |
| Assets per employee ($millions) | 10.1820% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4939% | 88 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 69.7100% | 1,842 |
| Net loans and leases to deposits | 88.5569% | 1,318 |
| Net loans and leases to core deposits | 91.2979% | 1,959 |
| Total domestic deposits to total assets | 78.7200% | 3,708 |
| Equity capital to assets | 13.1803% | 828 |
| Core capital (leverage) ratio | 15.2510% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6344% | 731 |
| Memoranda: | ||
| Average total assets | $496,278,500 | 1,773 |
| Average earning assets | $470,614,000 | 1,740 |
| Average equity | $66,050,500 | 1,354 |
| Average total loans | $364,362,500 | 1,624 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 1,990 |
| Cost of funding earning assets | 1.3317% | 2,421 |
| Net interest margin | 3.7109% | 1,744 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.5814% | 4,262 |
| Loan and lease loss provision to assets | -0.3800% | 4,584 |
| Net operating income to assets | 2.2275% | 327 |
| Return on assets (ROA) | 2.2275% | 317 |
| Pretax return on assets | 2.5586% | 320 |
| Return on Equity (ROE) | 17.4500% | 897 |
| Retained earnings to average equity (ytd only) | 15.9549% | 274 |
| Net charge-offs to loans | -0.0714% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.0723% | 4,312 |
| Assets per employee ($millions) | 10.2863% | 645 |
| Cash dividends to net income (ytd only)* | 8.5566% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6859% | 69 |
| 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 | 71.9100% | 1,593 |
| Net loans and leases to deposits | 87.3373% | 1,498 |
| Net loans and leases to core deposits | 90.4093% | 2,021 |
| Total domestic deposits to total assets | 82.3400% | 3,058 |
| Equity capital to assets | 13.4448% | 778 |
| Core capital (leverage) ratio | 14.8778% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0987% | 779 |
| Memoranda: | ||
| Average total assets | $459,084,800 | 1,826 |
| Average earning assets | $431,618,400 | 1,804 |
| Average equity | $58,608,800 | 1,413 |
| Average total loans | $336,195,400 | 1,660 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 2,165 |
| Cost of funding earning assets | 1.1340% | 2,649 |
| Net interest margin | 3.7151% | 1,746 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.5461% | 4,282 |
| Loan and lease loss provision to assets | -0.5200% | 4,614 |
| Net operating income to assets | 2.3528% | 307 |
| Return on assets (ROA) | 2.3658% | 293 |
| Pretax return on assets | 2.7335% | 301 |
| Return on Equity (ROE) | 18.8000% | 843 |
| Retained earnings to average equity (ytd only) | 17.8628% | 344 |
| Net charge-offs to loans | -0.0356% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.2356% | 4,322 |
| Assets per employee ($millions) | 9.8357% | 707 |
| Cash dividends to net income (ytd only)* | 4.9764% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7147% | 65 |
| Loan loss allowance to noncurrent loans | 1,315,300.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,896 |
| Noncurrent loans to loans | 0.0003% | 3,841 |
| Net loans and leases to total assets | 70.7400% | 1,736 |
| Net loans and leases to deposits | 90.3559% | 1,210 |
| Net loans and leases to core deposits | 93.4439% | 1,708 |
| Total domestic deposits to total assets | 78.2900% | 3,784 |
| Equity capital to assets | 12.3042% | 966 |
| Core capital (leverage) ratio | 15.3054% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4443% | 766 |
| Memoranda: | ||
| Average total assets | $452,991,500 | 1,841 |
| Average earning assets | $425,752,250 | 1,823 |
| Average equity | $57,011,000 | 1,434 |
| Average total loans | $330,001,250 | 1,682 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,234 |
| Cost of funding earning assets | 0.8894% | 2,957 |
| Net interest margin | 3.7984% | 1,631 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.5785% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7571% | 704 |
| Return on assets (ROA) | 1.7571% | 707 |
| Pretax return on assets | 2.2412% | 506 |
| Return on Equity (ROE) | 13.8500% | 1,713 |
| Retained earnings to average equity (ytd only) | 12.4271% | 900 |
| Net charge-offs to loans | -0.0540% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.3251% | 4,358 |
| Assets per employee ($millions) | 9.6099% | 749 |
| Cash dividends to net income (ytd only)* | 10.2696% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3276% | 56 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.9400% | 1,418 |
| Net loans and leases to deposits | 93.0533% | 947 |
| Net loans and leases to core deposits | 93.8387% | 1,575 |
| Total domestic deposits to total assets | 78.3900% | 3,799 |
| Equity capital to assets | 12.7964% | 862 |
| Core capital (leverage) ratio | 15.1230% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8878% | 829 |
| Memoranda: | ||
| Average total assets | $443,338,333 | 1,882 |
| Average earning assets | $416,440,000 | 1,852 |
| Average equity | $56,248,000 | 1,452 |
| Average total loans | $321,974,000 | 1,697 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 2,197 |
| Cost of funding earning assets | 0.6857% | 3,097 |
| Net interest margin | 3.8618% | 1,555 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 1.6813% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7442% | 755 |
| Return on assets (ROA) | 1.7442% | 746 |
| Pretax return on assets | 2.2005% | 570 |
| Return on Equity (ROE) | 13.8100% | 1,814 |
| Retained earnings to average equity (ytd only) | 13.8084% | 968 |
| Net charge-offs to loans | -0.1055% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.3130% | 4,334 |
| Assets per employee ($millions) | 8.7469% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7404% | 45 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.8500% | 1,640 |
| Net loans and leases to deposits | 84.0813% | 1,493 |
| Net loans and leases to core deposits | 84.9812% | 1,930 |
| Total domestic deposits to total assets | 83.0700% | 3,281 |
| Equity capital to assets | 13.2490% | 705 |
| Core capital (leverage) ratio | 14.9863% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6723% | 773 |
| Memoranda: | ||
| Average total assets | $439,175,000 | 1,911 |
| Average earning assets | $411,832,000 | 1,897 |
| Average equity | $55,473,500 | 1,478 |
| Average total loans | $310,786,500 | 1,753 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 2,006 |
| Cost of funding earning assets | 0.3880% | 2,193 |
| Net interest margin | 3.5039% | 1,919 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.7054% | 4,165 |
| Loan and lease loss provision to assets | -1.0900% | 4,705 |
| Net operating income to assets | 2.1752% | 221 |
| Return on assets (ROA) | 2.1752% | 214 |
| Pretax return on assets | 2.9366% | 132 |
| Return on Equity (ROE) | 17.6800% | 754 |
| Retained earnings to average equity (ytd only) | 16.1926% | 214 |
| Net charge-offs to loans | -0.1152% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.9997% | 4,237 |
| Assets per employee ($millions) | 9.3698% | 818 |
| Cash dividends to net income (ytd only)* | 8.4317% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6255% | 46 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.1700% | 2,123 |
| Net loans and leases to deposits | 75.1403% | 2,162 |
| Net loans and leases to core deposits | 75.9332% | 2,427 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 12.0427% | 920 |
| Core capital (leverage) ratio | 14.4365% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3537% | 788 |
| Memoranda: | ||
| Average total assets | $436,190,200 | 1,901 |
| Average earning assets | $405,429,200 | 1,895 |
| Average equity | $53,654,200 | 1,530 |
| Average total loans | $295,119,200 | 1,741 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 1,905 |
| Cost of funding earning assets | 0.3514% | 1,688 |
| Net interest margin | 3.3942% | 1,992 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.5477% | 4,367 |
| Loan and lease loss provision to assets | -1.4600% | 4,746 |
| Net operating income to assets | 2.5027% | 156 |
| Return on assets (ROA) | 2.5027% | 154 |
| Pretax return on assets | 3.3548% | 113 |
| Return on Equity (ROE) | 20.2400% | 413 |
| Retained earnings to average equity (ytd only) | 19.3641% | 121 |
| Net charge-offs to loans | -0.0146% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.0018% | 4,425 |
| Assets per employee ($millions) | 8.1597% | 1,238 |
| Cash dividends to net income (ytd only)* | 4.3082% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5637% | 49 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.5400% | 1,613 |
| Net loans and leases to deposits | 79.2966% | 1,616 |
| Net loans and leases to core deposits | 80.1308% | 1,894 |
| Total domestic deposits to total assets | 86.4400% | 2,948 |
| Equity capital to assets | 12.2798% | 827 |
| Core capital (leverage) ratio | 14.6072% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3850% | 806 |
| Memoranda: | ||
| Average total assets | $432,800,250 | 1,920 |
| Average earning assets | $401,453,750 | 1,921 |
| Average equity | $53,527,250 | 1,548 |
| Average total loans | $292,069,750 | 1,753 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 1,829 |
| Cost of funding earning assets | 0.3319% | 1,425 |
| Net interest margin | 3.2739% | 1,981 |
| Noninterest income to average assets | 0.2732% | 3,531 |
| Noninterest expense to average assets | 1.5421% | 4,365 |
| Loan and lease loss provision to assets | -2.1807% | 4,770 |
| Net operating income to assets | 2.9034% | 74 |
| Return on assets (ROA) | 2.9034% | 70 |
| Pretax return on assets | 3.9368% | 55 |
| Return on Equity (ROE) | 23.4215% | 152 |
| Retained earnings to average equity (ytd only) | 22.1252% | 49 |
| Net charge-offs to loans | -0.0139% | 3,729 |
| Credit loss provision to net charge-offs | 23,750.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7567% | 4,411 |
| Assets per employee ($millions) | 7.7390% | 1,452 |
| Cash dividends to net income (ytd only)* | 5.5345% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7768% | 44 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.0761% | 1,804 |
| Net loans and leases to deposits | 75.4708% | 1,730 |
| Net loans and leases to core deposits | 77.5489% | 1,889 |
| Total domestic deposits to total assets | 86.2268% | 3,188 |
| Equity capital to assets | 12.5955% | 742 |
| Core capital (leverage) ratio | 14.1378% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2057% | 823 |
| Memoranda: | ||
| Average total assets | $435,631,667 | 1,917 |
| Average earning assets | $402,514,000 | 1,936 |
| Average equity | $54,001,667 | 1,582 |
| Average total loans | $287,848,667 | 1,764 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 1,951 |
| Cost of funding earning assets | 0.3102% | 1,551 |
| Net interest margin | 3.1399% | 2,055 |
| Noninterest income to average assets | 0.2905% | 3,384 |
| Noninterest expense to average assets | 1.5932% | 4,308 |
| Loan and lease loss provision to assets | -2.7234% | 4,795 |
| Net operating income to assets | 3.1809% | 66 |
| Return on assets (ROA) | 3.1809% | 64 |
| Pretax return on assets | 4.3248% | 55 |
| Return on Equity (ROE) | 25.8614% | 87 |
| Retained earnings to average equity (ytd only) | 25.8614% | 50 |
| Net charge-offs to loans | -0.0182% | 3,863 |
| Credit loss provision to net charge-offs | 23,076.9231% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8721% | 4,316 |
| Assets per employee ($millions) | 8.1409% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5152% | 34 |
| 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 | 62.0917% | 1,848 |
| Net loans and leases to deposits | 71.7198% | 1,805 |
| Net loans and leases to core deposits | 74.7461% | 1,875 |
| Total domestic deposits to total assets | 86.5753% | 3,082 |
| Equity capital to assets | 12.4626% | 820 |
| Core capital (leverage) ratio | 13.1345% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6912% | 800 |
| Memoranda: | ||
| Average total assets | $440,625,000 | 1,909 |
| Average earning assets | $407,526,500 | 1,926 |
| Average equity | $54,196,500 | 1,619 |
| Average total loans | $286,329,000 | 1,758 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 1,499 |
| Cost of funding earning assets | 0.4889% | 974 |
| Net interest margin | 3.4577% | 1,861 |
| Noninterest income to average assets | 0.6376% | 2,000 |
| Noninterest expense to average assets | 1.6207% | 4,401 |
| Loan and lease loss provision to assets | 0.6951% | 67 |
| Net operating income to assets | 1.1379% | 2,149 |
| Return on assets (ROA) | 1.1379% | 2,200 |
| Pretax return on assets | 1.5220% | 1,646 |
| Return on Equity (ROE) | 9.1605% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.0413% | 1,521 |
| Net charge-offs to loans | -0.8937% | 4,793 |
| Credit loss provision to net charge-offs | -109.8097% | 3,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2301% | 4,630 |
| Assets per employee ($millions) | 8.6497% | 1,034 |
| Cash dividends to net income (ytd only)* | 12.2175% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4421% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.1379% | 2,146 |
| Net loans and leases to deposits | 68.9524% | 2,227 |
| Net loans and leases to core deposits | 71.9819% | 2,263 |
| Total domestic deposits to total assets | 87.2165% | 2,427 |
| Equity capital to assets | 12.1439% | 1,193 |
| Core capital (leverage) ratio | 12.7136% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6024% | 950 |
| Memoranda: | ||
| Average total assets | $431,596,200 | 1,891 |
| Average earning assets | $399,461,000 | 1,910 |
| Average equity | $53,610,600 | 1,664 |
| Average total loans | $305,682,000 | 1,686 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 1,348 |
| Cost of funding earning assets | 0.5356% | 890 |
| Net interest margin | 3.5457% | 1,742 |
| Noninterest income to average assets | 0.7521% | 1,667 |
| Noninterest expense to average assets | 1.5913% | 4,475 |
| Loan and lease loss provision to assets | 0.0311% | 2,374 |
| Net operating income to assets | 1.7908% | 678 |
| Return on assets (ROA) | 1.7908% | 712 |
| Pretax return on assets | 2.4140% | 385 |
| Return on Equity (ROE) | 14.3330% | 1,306 |
| Retained earnings to average equity (ytd only) | 13.5834% | 563 |
| Net charge-offs to loans | -1.0810% | 4,865 |
| Credit loss provision to net charge-offs | -3.9809% | 3,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4230% | 4,738 |
| Assets per employee ($millions) | 8.2040% | 1,173 |
| Cash dividends to net income (ytd only)* | 5.2301% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2436% | 34 |
| 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 | 66.9657% | 1,433 |
| Net loans and leases to deposits | 79.2684% | 1,355 |
| Net loans and leases to core deposits | 83.5237% | 1,462 |
| Total domestic deposits to total assets | 84.4798% | 3,309 |
| Equity capital to assets | 13.3771% | 881 |
| Core capital (leverage) ratio | 13.2028% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4800% | 1,052 |
| Memoranda: | ||
| Average total assets | $427,049,500 | 1,922 |
| Average earning assets | $395,591,750 | 1,939 |
| Average equity | $53,358,000 | 1,692 |
| Average total loans | $309,823,750 | 1,691 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 1,568 |
| Cost of funding earning assets | 0.5890% | 784 |
| Net interest margin | 3.4092% | 2,113 |
| Noninterest income to average assets | 0.9592% | 1,138 |
| Noninterest expense to average assets | 1.6072% | 4,499 |
| Loan and lease loss provision to assets | 0.0465% | 2,090 |
| Net operating income to assets | 1.8259% | 674 |
| Return on assets (ROA) | 1.8259% | 704 |
| Pretax return on assets | 2.4613% | 376 |
| Return on Equity (ROE) | 14.9560% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.8129% | 577 |
| Net charge-offs to loans | -1.5903% | 4,906 |
| Credit loss provision to net charge-offs | -3.9984% | 2,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0572% | 4,774 |
| Assets per employee ($millions) | 7.9735% | 1,222 |
| Cash dividends to net income (ytd only)* | 7.6433% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0735% | 36 |
| 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 | 67.3294% | 1,536 |
| Net loans and leases to deposits | 79.1139% | 1,507 |
| Net loans and leases to core deposits | 84.5995% | 1,521 |
| Total domestic deposits to total assets | 85.1043% | 3,050 |
| Equity capital to assets | 12.6382% | 1,068 |
| Core capital (leverage) ratio | 12.4011% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0326% | 1,110 |
| Memoranda: | ||
| Average total assets | $429,932,000 | 1,908 |
| Average earning assets | $397,982,333 | 1,917 |
| Average equity | $52,487,333 | 1,706 |
| Average total loans | $314,534,667 | 1,684 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 1,858 |
| Cost of funding earning assets | 0.6257% | 775 |
| Net interest margin | 3.2616% | 2,508 |
| Noninterest income to average assets | 0.4590% | 2,792 |
| Noninterest expense to average assets | 1.7029% | 4,372 |
| Loan and lease loss provision to assets | 0.0931% | 1,439 |
| Net operating income to assets | 1.2197% | 2,068 |
| Return on assets (ROA) | 1.2197% | 2,152 |
| Pretax return on assets | 1.6769% | 1,547 |
| Return on Equity (ROE) | 10.1702% | 2,638 |
| Retained earnings to average equity (ytd only) | 10.1702% | 1,608 |
| Net charge-offs to loans | -0.2244% | 4,804 |
| Credit loss provision to net charge-offs | -55.8659% | 2,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0349% | 4,263 |
| Assets per employee ($millions) | 8.4176% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1199% | 70 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 2,064 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.4064% | 1,105 |
| Net loans and leases to deposits | 83.2575% | 1,222 |
| Net loans and leases to core deposits | 88.9490% | 1,292 |
| Total domestic deposits to total assets | 85.7658% | 2,829 |
| Equity capital to assets | 12.0998% | 1,243 |
| Core capital (leverage) ratio | 12.0977% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7986% | 1,356 |
| Memoranda: | ||
| Average total assets | $429,614,500 | 1,901 |
| Average earning assets | $396,982,500 | 1,912 |
| Average equity | $51,523,000 | 1,720 |
| Average total loans | $319,106,000 | 1,671 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 1,359 |
| Cost of funding earning assets | 0.9392% | 740 |
| Net interest margin | 3.5432% | 2,332 |
| Noninterest income to average assets | 0.5609% | 2,370 |
| Noninterest expense to average assets | 1.7357% | 4,562 |
| Loan and lease loss provision to assets | 0.5110% | 471 |
| Net operating income to assets | 1.1145% | 1,865 |
| Return on assets (ROA) | 1.1145% | 1,986 |
| Pretax return on assets | 1.6235% | 1,019 |
| Return on Equity (ROE) | 9.3105% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.9383% | 1,071 |
| Net charge-offs to loans | 0.8323% | 174 |
| Credit loss provision to net charge-offs | 77.3481% | 3,002 |
| Earnings coverage of net charge-offs (x) | 3.2309% | 3,102 |
| Efficiency ratio | 44.8475% | 4,763 |
| Assets per employee ($millions) | 8.5987% | 866 |
| Cash dividends to net income (ytd only)* | 14.7380% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0481% | 69 |
| Loan loss allowance to noncurrent loans | 19,243.2836% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,201 |
| Noncurrent loans to loans | 0.0210% | 4,249 |
| Net loans and leases to total assets | 71.0813% | 1,415 |
| Net loans and leases to deposits | 82.4416% | 1,611 |
| Net loans and leases to core deposits | 88.9285% | 1,613 |
| Total domestic deposits to total assets | 86.2202% | 2,267 |
| Equity capital to assets | 11.8860% | 1,629 |
| Core capital (leverage) ratio | 11.7572% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8780% | 1,574 |
| Memoranda: | ||
| Average total assets | $410,962,200 | 1,826 |
| Average earning assets | $383,837,400 | 1,819 |
| Average equity | $49,191,600 | 1,720 |
| Average total loans | $326,192,200 | 1,587 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 1,446 |
| Cost of funding earning assets | 1.0050% | 749 |
| Net interest margin | 3.5463% | 2,436 |
| Noninterest income to average assets | 0.5711% | 2,301 |
| Noninterest expense to average assets | 1.7087% | 4,612 |
| Loan and lease loss provision to assets | 0.2462% | 1,646 |
| Net operating income to assets | 1.3044% | 1,350 |
| Return on assets (ROA) | 1.3044% | 1,439 |
| Pretax return on assets | 1.9401% | 581 |
| Return on Equity (ROE) | 10.8768% | 1,721 |
| Retained earnings to average equity (ytd only) | 9.9873% | 766 |
| Net charge-offs to loans | -0.1231% | 4,855 |
| Credit loss provision to net charge-offs | -247.5248% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8696% | 4,792 |
| Assets per employee ($millions) | 7.5146% | 1,203 |
| Cash dividends to net income (ytd only)* | 8.1782% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3820% | 53 |
| Loan loss allowance to noncurrent loans | 448.1687% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2458% | 783 |
| Noncurrent loans to loans | 0.9777% | 1,530 |
| Net loans and leases to total assets | 76.8762% | 978 |
| Net loans and leases to deposits | 89.7680% | 1,291 |
| Net loans and leases to core deposits | 97.3536% | 1,353 |
| Total domestic deposits to total assets | 85.6387% | 2,204 |
| Equity capital to assets | 12.2984% | 1,517 |
| Core capital (leverage) ratio | 12.1368% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2437% | 1,751 |
| Memoranda: | ||
| Average total assets | $406,219,500 | 1,820 |
| Average earning assets | $380,740,500 | 1,811 |
| Average equity | $48,714,000 | 1,727 |
| Average total loans | $328,116,500 | 1,581 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 1,471 |
| Cost of funding earning assets | 1.0830% | 749 |
| Net interest margin | 3.5884% | 2,524 |
| Noninterest income to average assets | 0.3744% | 3,232 |
| Noninterest expense to average assets | 1.7214% | 4,662 |
| Loan and lease loss provision to assets | 0.1981% | 2,063 |
| Net operating income to assets | 1.2935% | 1,372 |
| Return on assets (ROA) | 1.2935% | 1,483 |
| Pretax return on assets | 1.8120% | 797 |
| Return on Equity (ROE) | 10.8814% | 1,674 |
| Retained earnings to average equity (ytd only) | 9.5274% | 869 |
| Net charge-offs to loans | -0.1206% | 4,875 |
| Credit loss provision to net charge-offs | -203.0457% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1314% | 4,718 |
| Assets per employee ($millions) | 7.6356% | 1,111 |
| Cash dividends to net income (ytd only)* | 12.4426% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2257% | 55 |
| Loan loss allowance to noncurrent loans | 445.3742% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2065% | 905 |
| Noncurrent loans to loans | 0.9488% | 1,631 |
| Net loans and leases to total assets | 76.1231% | 1,121 |
| Net loans and leases to deposits | 88.2708% | 1,526 |
| Net loans and leases to core deposits | 95.6685% | 1,598 |
| Total domestic deposits to total assets | 86.2382% | 1,917 |
| Equity capital to assets | 11.7676% | 1,797 |
| Core capital (leverage) ratio | 11.7965% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9238% | 1,848 |
| Memoranda: | ||
| Average total assets | $403,857,667 | 1,806 |
| Average earning assets | $377,833,667 | 1,794 |
| Average equity | $48,008,667 | 1,737 |
| Average total loans | $326,724,000 | 1,566 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 1,214 |
| Cost of funding earning assets | 1.1690% | 850 |
| Net interest margin | 3.7228% | 2,250 |
| Noninterest income to average assets | 0.3224% | 3,592 |
| Noninterest expense to average assets | 1.7443% | 4,730 |
| Loan and lease loss provision to assets | 0.2021% | 1,507 |
| Net operating income to assets | 1.2733% | 1,315 |
| Return on assets (ROA) | 1.2733% | 1,414 |
| Pretax return on assets | 1.8453% | 637 |
| Return on Equity (ROE) | 10.6546% | 1,516 |
| Retained earnings to average equity (ytd only) | 10.6546% | 619 |
| Net charge-offs to loans | -0.0186% | 4,310 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0021% | 4,830 |
| Assets per employee ($millions) | 7.1510% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3113% | 60 |
| Loan loss allowance to noncurrent loans | 714.7396% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 1,363 |
| Noncurrent loans to loans | 0.6032% | 2,484 |
| Net loans and leases to total assets | 77.4411% | 1,059 |
| Net loans and leases to deposits | 89.2411% | 1,607 |
| Net loans and leases to core deposits | 96.2274% | 1,773 |
| Total domestic deposits to total assets | 86.7774% | 1,656 |
| Equity capital to assets | 12.2063% | 1,917 |
| Core capital (leverage) ratio | 12.1110% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2889% | 1,817 |
| Memoranda: | ||
| Average total assets | $395,807,000 | 1,782 |
| Average earning assets | $368,860,500 | 1,783 |
| Average equity | $47,303,500 | 1,751 |
| Average total loans | $323,190,500 | 1,546 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 1,194 |
| Cost of funding earning assets | 1.2933% | 778 |
| Net interest margin | 3.8162% | 2,451 |
| Noninterest income to average assets | 0.2588% | 4,128 |
| Noninterest expense to average assets | 1.7609% | 4,816 |
| Loan and lease loss provision to assets | 0.5767% | 212 |
| Net operating income to assets | 1.0836% | 2,510 |
| Return on assets (ROA) | 1.0836% | 2,602 |
| Pretax return on assets | 1.5086% | 1,784 |
| Return on Equity (ROE) | 9.6355% | 2,457 |
| Retained earnings to average equity (ytd only) | 8.3536% | 873 |
| Net charge-offs to loans | 1.0879% | 143 |
| Credit loss provision to net charge-offs | 61.7284% | 3,021 |
| Earnings coverage of net charge-offs (x) | 2.2322% | 3,441 |
| Efficiency ratio | 45.7823% | 4,918 |
| Assets per employee ($millions) | 7.2420% | 957 |
| Cash dividends to net income (ytd only)* | 13.3040% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1173% | 59 |
| Loan loss allowance to noncurrent loans | 3,360.1990% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 2,157 |
| Noncurrent loans to loans | 0.1225% | 4,038 |
| Net loans and leases to total assets | 78.9764% | 936 |
| Net loans and leases to deposits | 90.8167% | 1,503 |
| Net loans and leases to core deposits | 97.4704% | 1,775 |
| Total domestic deposits to total assets | 86.9624% | 1,628 |
| Equity capital to assets | 11.6992% | 2,353 |
| Core capital (leverage) ratio | 11.7197% | 1,944 |
| Tier 1 risk-based capital ratio | 13.1856% | 3,692 |
| Total risk-based capital ratio | 14.4681% | 3,566 |
| Memoranda: | ||
| Average total assets | $398,840,400 | 1,744 |
| Average earning assets | $374,926,600 | 1,729 |
| Average equity | $44,854,800 | 1,763 |
| Average total loans | $342,482,400 | 1,452 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 1,220 |
| Cost of funding earning assets | 1.3080% | 766 |
| Net interest margin | 3.8205% | 2,527 |
| Noninterest income to average assets | 0.2303% | 4,356 |
| Noninterest expense to average assets | 1.6485% | 4,964 |
| Loan and lease loss provision to assets | 0.3342% | 413 |
| Net operating income to assets | 1.2438% | 2,034 |
| Return on assets (ROA) | 1.2438% | 2,115 |
| Pretax return on assets | 1.8504% | 980 |
| Return on Equity (ROE) | 11.1722% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.3467% | 665 |
| Net charge-offs to loans | -0.0389% | 4,781 |
| Credit loss provision to net charge-offs | -990.0990% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0078% | 5,047 |
| Assets per employee ($millions) | 7.3260% | 905 |
| Cash dividends to net income (ytd only)* | 7.3886% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7537% | 43 |
| Loan loss allowance to noncurrent loans | 271.0446% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 746 |
| Noncurrent loans to loans | 1.7539% | 824 |
| Net loans and leases to total assets | 81.2123% | 678 |
| Net loans and leases to deposits | 93.5574% | 1,262 |
| Net loans and leases to core deposits | 100.5493% | 1,621 |
| Total domestic deposits to total assets | 86.8048% | 1,618 |
| Equity capital to assets | 11.7033% | 2,500 |
| Core capital (leverage) ratio | 11.5227% | 2,198 |
| Tier 1 risk-based capital ratio | 12.9333% | 3,885 |
| Total risk-based capital ratio | 14.2236% | 3,762 |
| Memoranda: | ||
| Average total assets | $398,973,000 | 1,757 |
| Average earning assets | $376,244,500 | 1,733 |
| Average equity | $44,418,750 | 1,782 |
| Average total loans | $346,083,250 | 1,443 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 1,236 |
| Cost of funding earning assets | 1.2768% | 796 |
| Net interest margin | 3.8165% | 2,531 |
| Noninterest income to average assets | 0.2204% | 4,426 |
| Noninterest expense to average assets | 1.6461% | 5,027 |
| Loan and lease loss provision to assets | 0.2999% | 462 |
| Net operating income to assets | 1.2597% | 1,925 |
| Return on assets (ROA) | 1.2597% | 1,984 |
| Pretax return on assets | 1.8786% | 874 |
| Return on Equity (ROE) | 11.5090% | 1,780 |
| Retained earnings to average equity (ytd only) | 10.2530% | 687 |
| Net charge-offs to loans | -0.0166% | 4,489 |
| Credit loss provision to net charge-offs | -2,068.9655% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0401% | 5,096 |
| Assets per employee ($millions) | 7.7085% | 741 |
| Cash dividends to net income (ytd only)* | 10.9127% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4774% | 48 |
| Loan loss allowance to noncurrent loans | 187.6643% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 2.1094% | 418 |
| Noncurrent loans to loans | 2.3858% | 522 |
| Net loans and leases to total assets | 84.4568% | 326 |
| Net loans and leases to deposits | 97.5208% | 884 |
| Net loans and leases to core deposits | 105.6236% | 1,270 |
| Total domestic deposits to total assets | 86.6039% | 1,770 |
| Equity capital to assets | 11.4558% | 2,637 |
| Core capital (leverage) ratio | 11.2496% | 2,379 |
| Tier 1 risk-based capital ratio | 12.1346% | 4,340 |
| Total risk-based capital ratio | 13.4213% | 4,203 |
| Memoranda: | ||
| Average total assets | $400,095,670 | 1,757 |
| Average earning assets | $377,833,000 | 1,732 |
| Average equity | $43,792,000 | 1,802 |
| Average total loans | $349,006,000 | 1,445 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 1,272 |
| Cost of funding earning assets | 1.2314% | 821 |
| Net interest margin | 3.7948% | 2,545 |
| Noninterest income to average assets | 0.2062% | 4,511 |
| Noninterest expense to average assets | 1.6185% | 5,085 |
| Loan and lease loss provision to assets | 0.2973% | 438 |
| Net operating income to assets | 1.2905% | 1,730 |
| Return on assets (ROA) | 1.2905% | 1,772 |
| Pretax return on assets | 1.8762% | 835 |
| Return on Equity (ROE) | 12.0641% | 1,508 |
| Retained earnings to average equity (ytd only) | 12.0641% | 599 |
| Net charge-offs to loans | -0.0789% | 4,966 |
| Credit loss provision to net charge-offs | -434.7826% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6817% | 5,146 |
| Assets per employee ($millions) | 7.6217% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3544% | 50 |
| Loan loss allowance to noncurrent loans | 183.3134% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.0666% | 455 |
| Noncurrent loans to loans | 2.3754% | 564 |
| Net loans and leases to total assets | 83.2123% | 441 |
| Net loans and leases to deposits | 95.5526% | 1,011 |
| Net loans and leases to core deposits | 104.2800% | 1,296 |
| Total domestic deposits to total assets | 87.0853% | 1,767 |
| Equity capital to assets | 10.8734% | 2,978 |
| Core capital (leverage) ratio | 10.9600% | 2,609 |
| Tier 1 risk-based capital ratio | 11.8453% | 4,542 |
| Total risk-based capital ratio | 13.1311% | 4,434 |
| Memoranda: | ||
| Average total assets | $403,575,500 | 1,759 |
| Average earning assets | $381,363,500 | 1,728 |
| Average equity | $43,169,500 | 1,812 |
| Average total loans | $349,712,500 | 1,439 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 1,326 |
| Cost of funding earning assets | 1.0338% | 657 |
| Net interest margin | 3.8534% | 2,486 |
| Noninterest income to average assets | 0.2272% | 4,551 |
| Noninterest expense to average assets | 1.6526% | 5,131 |
| Loan and lease loss provision to assets | 0.9308% | 96 |
| Net operating income to assets | 1.0788% | 2,682 |
| Return on assets (ROA) | 1.0788% | 2,675 |
| Pretax return on assets | 1.2906% | 2,541 |
| Return on Equity (ROE) | 10.4278% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.9006% | 901 |
| Net charge-offs to loans | 0.0031% | 3,627 |
| Credit loss provision to net charge-offs | 33,636.3636% | 11 |
| Earnings coverage of net charge-offs (x) | 802.7273% | 135 |
| Efficiency ratio | 42.6586% | 5,223 |
| Assets per employee ($millions) | 7.6076% | 760 |
| Cash dividends to net income (ytd only)* | 14.6455% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2916% | 44 |
| Loan loss allowance to noncurrent loans | 237.7647% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5578% | 739 |
| Noncurrent loans to loans | 1.8050% | 787 |
| Net loans and leases to total assets | 82.6020% | 572 |
| Net loans and leases to deposits | 94.5878% | 1,215 |
| Net loans and leases to core deposits | 102.8707% | 1,515 |
| Total domestic deposits to total assets | 87.3284% | 1,629 |
| Equity capital to assets | 10.5198% | 3,161 |
| Core capital (leverage) ratio | 10.6695% | 2,868 |
| Tier 1 risk-based capital ratio | 11.7261% | 4,610 |
| Total risk-based capital ratio | 13.0115% | 4,464 |
| Memoranda: | ||
| Average total assets | $397,493,000 | 1,722 |
| Average earning assets | $376,185,000 | 1,696 |
| Average equity | $41,120,800 | 1,812 |
| Average total loans | $352,793,400 | 1,391 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 1,273 |
| Cost of funding earning assets | 0.9722% | 674 |
| Net interest margin | 3.8892% | 2,341 |
| Noninterest income to average assets | 0.2282% | 4,604 |
| Noninterest expense to average assets | 1.5839% | 5,223 |
| Loan and lease loss provision to assets | 0.2525% | 620 |
| Net operating income to assets | 1.4640% | 1,291 |
| Return on assets (ROA) | 1.4640% | 1,295 |
| Pretax return on assets | 2.0764% | 514 |
| Return on Equity (ROE) | 14.2131% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.3046% | 325 |
| Net charge-offs to loans | -0.0121% | 4,446 |
| Credit loss provision to net charge-offs | -2,343.7500% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4801% | 5,321 |
| Assets per employee ($millions) | 6.6979% | 1,088 |
| Cash dividends to net income (ytd only)* | 6.3923% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4355% | 89 |
| Loan loss allowance to noncurrent loans | 192.1860% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 797 |
| Noncurrent loans to loans | 1.7876% | 860 |
| Net loans and leases to total assets | 85.5454% | 307 |
| Net loans and leases to deposits | 98.6624% | 892 |
| Net loans and leases to core deposits | 108.1648% | 1,160 |
| Total domestic deposits to total assets | 86.7051% | 1,866 |
| Equity capital to assets | 10.8127% | 2,835 |
| Core capital (leverage) ratio | 10.9839% | 2,594 |
| Tier 1 risk-based capital ratio | 11.7245% | 4,649 |
| Total risk-based capital ratio | 12.9911% | 4,535 |
| Memoranda: | ||
| Average total assets | $396,066,000 | 1,734 |
| Average earning assets | $375,215,250 | 1,702 |
| Average equity | $40,797,000 | 1,830 |
| Average total loans | $353,995,250 | 1,389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8502% | 1,125 |
| Cost of funding earning assets | 0.8868% | 769 |
| Net interest margin | 3.9634% | 1,987 |
| Noninterest income to average assets | 0.2271% | 4,663 |
| Noninterest expense to average assets | 1.5718% | 5,290 |
| Loan and lease loss provision to assets | 0.2775% | 532 |
| Net operating income to assets | 1.4865% | 1,188 |
| Return on assets (ROA) | 1.4865% | 1,189 |
| Pretax return on assets | 2.1304% | 456 |
| Return on Equity (ROE) | 14.6739% | 924 |
| Retained earnings to average equity (ytd only) | 13.2892% | 341 |
| Net charge-offs to loans | -0.0175% | 4,507 |
| Credit loss provision to net charge-offs | -1,774.1935% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4954% | 5,413 |
| Assets per employee ($millions) | 7.2826% | 836 |
| Cash dividends to net income (ytd only)* | 9.4365% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2872% | 107 |
| Loan loss allowance to noncurrent loans | 686.7596% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 3,005 |
| Noncurrent loans to loans | 0.4787% | 3,004 |
| Net loans and leases to total assets | 86.8656% | 207 |
| Net loans and leases to deposits | 99.5995% | 830 |
| Net loans and leases to core deposits | 109.0329% | 1,052 |
| Total domestic deposits to total assets | 87.2149% | 1,753 |
| Equity capital to assets | 10.3394% | 3,298 |
| Core capital (leverage) ratio | 10.5601% | 2,972 |
| Tier 1 risk-based capital ratio | 11.1468% | 4,972 |
| Total risk-based capital ratio | 12.4207% | 4,865 |
| Memoranda: | ||
| Average total assets | $396,363,000 | 1,745 |
| Average earning assets | $375,281,330 | 1,707 |
| Average equity | $40,153,000 | 1,853 |
| Average total loans | $355,300,000 | 1,378 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,120 |
| Cost of funding earning assets | 0.8089% | 915 |
| Net interest margin | 3.9746% | 1,800 |
| Noninterest income to average assets | 0.2344% | 4,606 |
| Noninterest expense to average assets | 1.6303% | 5,307 |
| Loan and lease loss provision to assets | 0.3044% | 425 |
| Net operating income to assets | 1.4274% | 1,257 |
| Return on assets (ROA) | 1.4274% | 1,268 |
| Pretax return on assets | 2.0585% | 515 |
| Return on Equity (ROE) | 14.2400% | 955 |
| Retained earnings to average equity (ytd only) | 14.2400% | 389 |
| Net charge-offs to loans | -0.0306% | 4,750 |
| Credit loss provision to net charge-offs | -1,111.1111% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8283% | 5,439 |
| Assets per employee ($millions) | 7.0296% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2457% | 118 |
| Loan loss allowance to noncurrent loans | 1,123.4951% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,823 |
| Noncurrent loans to loans | 0.2889% | 3,738 |
| Net loans and leases to total assets | 87.6300% | 153 |
| Net loans and leases to deposits | 98.6336% | 817 |
| Net loans and leases to core deposits | 112.1657% | 880 |
| Total domestic deposits to total assets | 88.8440% | 1,182 |
| Equity capital to assets | 10.2051% | 3,386 |
| Core capital (leverage) ratio | 10.3531% | 3,113 |
| Tier 1 risk-based capital ratio | 10.8183% | 5,240 |
| Total risk-based capital ratio | 12.0914% | 5,119 |
| Memoranda: | ||
| Average total assets | $394,272,500 | 1,764 |
| Average earning assets | $372,865,000 | 1,729 |
| Average equity | $39,522,500 | 1,891 |
| Average total loans | $353,069,500 | 1,386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 989 |
| Cost of funding earning assets | 0.6964% | 1,045 |
| Net interest margin | 4.0966% | 1,453 |
| Noninterest income to average assets | 0.2649% | 4,545 |
| Noninterest expense to average assets | 1.6002% | 5,415 |
| Loan and lease loss provision to assets | 0.3981% | 371 |
| Net operating income to assets | 1.0423% | 2,085 |
| Return on assets (ROA) | 1.0423% | 2,115 |
| Pretax return on assets | 2.1326% | 369 |
| Return on Equity (ROE) | 10.4106% | 1,715 |
| Retained earnings to average equity (ytd only) | 8.6079% | 584 |
| Net charge-offs to loans | 0.0384% | 3,029 |
| Credit loss provision to net charge-offs | 1,153.8462% | 319 |
| Earnings coverage of net charge-offs (x) | 73.3462% | 820 |
| Efficiency ratio | 38.7368% | 5,545 |
| Assets per employee ($millions) | 6.9279% | 999 |
| Cash dividends to net income (ytd only)* | 17.3160% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2165% | 112 |
| Loan loss allowance to noncurrent loans | 4,119.0476% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 4,781 |
| Noncurrent loans to loans | 0.0781% | 4,646 |
| Net loans and leases to total assets | 85.6851% | 279 |
| Net loans and leases to deposits | 95.9381% | 1,100 |
| Net loans and leases to core deposits | 106.9514% | 1,216 |
| Total domestic deposits to total assets | 89.3130% | 864 |
| Equity capital to assets | 9.8438% | 3,874 |
| Core capital (leverage) ratio | 10.0413% | 3,403 |
| Tier 1 risk-based capital ratio | 10.7681% | 5,264 |
| Total risk-based capital ratio | 12.0413% | 5,150 |
| Memoranda: | ||
| Average total assets | $376,774,800 | 1,797 |
| Average earning assets | $355,562,000 | 1,779 |
| Average equity | $37,721,000 | 1,942 |
| Average total loans | $338,116,000 | 1,418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 929 |
| Cost of funding earning assets | 0.6601% | 1,182 |
| Net interest margin | 4.1380% | 1,299 |
| Noninterest income to average assets | 0.2683% | 4,591 |
| Noninterest expense to average assets | 1.4836% | 5,529 |
| Loan and lease loss provision to assets | 0.2865% | 560 |
| Net operating income to assets | 1.3650% | 1,170 |
| Return on assets (ROA) | 1.3650% | 1,184 |
| Pretax return on assets | 2.4073% | 250 |
| Return on Equity (ROE) | 13.5741% | 918 |
| Retained earnings to average equity (ytd only) | 12.5946% | 253 |
| Net charge-offs to loans | -0.0469% | 5,149 |
| Credit loss provision to net charge-offs | -677.9661% | 4,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5140% | 5,648 |
| Assets per employee ($millions) | 6.5045% | 1,176 |
| Cash dividends to net income (ytd only)* | 7.2160% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1314% | 138 |
| Loan loss allowance to noncurrent loans | 14,390.6667% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 5,152 |
| Noncurrent loans to loans | 0.0218% | 5,028 |
| Net loans and leases to total assets | 88.4998% | 134 |
| Net loans and leases to deposits | 100.0084% | 743 |
| Net loans and leases to core deposits | 113.1284% | 884 |
| Total domestic deposits to total assets | 88.4924% | 1,126 |
| Equity capital to assets | 10.4073% | 3,469 |
| Core capital (leverage) ratio | 10.3346% | 3,157 |
| Tier 1 risk-based capital ratio | 10.8353% | 5,327 |
| Total risk-based capital ratio | 12.1069% | 5,222 |
| Memoranda: | ||
| Average total assets | $372,246,000 | 1,830 |
| Average earning assets | $351,659,000 | 1,806 |
| Average equity | $37,433,250 | 1,963 |
| Average total loans | $335,243,250 | 1,435 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 1,013 |
| Cost of funding earning assets | 0.6079% | 1,394 |
| Net interest margin | 4.1141% | 1,289 |
| Noninterest income to average assets | 0.2574% | 4,692 |
| Noninterest expense to average assets | 1.4934% | 5,577 |
| Loan and lease loss provision to assets | 0.2699% | 589 |
| Net operating income to assets | 1.3606% | 1,149 |
| Return on assets (ROA) | 1.3606% | 1,182 |
| Pretax return on assets | 2.3806% | 260 |
| Return on Equity (ROE) | 13.6924% | 874 |
| Retained earnings to average equity (ytd only) | 12.1988% | 304 |
| Net charge-offs to loans | -0.0711% | 5,304 |
| Credit loss provision to net charge-offs | -423.7288% | 4,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0380% | 5,696 |
| Assets per employee ($millions) | 6.7241% | 1,046 |
| Cash dividends to net income (ytd only)* | 10.9084% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0912% | 148 |
| Loan loss allowance to noncurrent loans | 15,898.4848% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,216 |
| Noncurrent loans to loans | 0.0194% | 5,090 |
| Net loans and leases to total assets | 88.9480% | 112 |
| Net loans and leases to deposits | 100.3068% | 713 |
| Net loans and leases to core deposits | 113.2427% | 835 |
| Total domestic deposits to total assets | 88.6760% | 1,112 |
| Equity capital to assets | 10.2516% | 3,611 |
| Core capital (leverage) ratio | 10.2353% | 3,226 |
| Tier 1 risk-based capital ratio | 10.8129% | 5,336 |
| Total risk-based capital ratio | 12.0840% | 5,252 |
| Memoranda: | ||
| Average total assets | $370,573,670 | 1,846 |
| Average earning assets | $350,060,330 | 1,816 |
| Average equity | $36,823,330 | 1,988 |
| Average total loans | $332,101,000 | 1,450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,213 |
| Cost of funding earning assets | 0.5747% | 1,544 |
| Net interest margin | 3.9954% | 1,486 |
| Noninterest income to average assets | 0.2534% | 4,727 |
| Noninterest expense to average assets | 1.4083% | 5,687 |
| Loan and lease loss provision to assets | 0.2157% | 744 |
| Net operating income to assets | 1.3511% | 1,116 |
| Return on assets (ROA) | 1.3511% | 1,151 |
| Pretax return on assets | 2.4003% | 254 |
| Return on Equity (ROE) | 13.8153% | 838 |
| Retained earnings to average equity (ytd only) | 13.8153% | 308 |
| Net charge-offs to loans | 0.0158% | 2,483 |
| Credit loss provision to net charge-offs | 1,538.4615% | 210 |
| Earnings coverage of net charge-offs (x) | 186.6154% | 307 |
| Efficiency ratio | 34.9946% | 5,766 |
| Assets per employee ($millions) | 6.6996% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0054% | 175 |
| Loan loss allowance to noncurrent loans | 615.0367% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 3,415 |
| Noncurrent loans to loans | 0.4887% | 3,338 |
| Net loans and leases to total assets | 88.1288% | 103 |
| Net loans and leases to deposits | 99.1324% | 674 |
| Net loans and leases to core deposits | 111.5157% | 796 |
| Total domestic deposits to total assets | 88.9000% | 1,194 |
| Equity capital to assets | 10.0215% | 3,726 |
| Core capital (leverage) ratio | 10.1197% | 3,351 |
| Tier 1 risk-based capital ratio | 10.6666% | 5,476 |
| Total risk-based capital ratio | 13.5842% | 4,393 |
| Memoranda: | ||
| Average total assets | $370,947,500 | 1,857 |
| Average earning assets | $350,105,000 | 1,825 |
| Average equity | $36,278,500 | 2,017 |
| Average total loans | $328,428,500 | 1,467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 1,155 |
| Cost of funding earning assets | 0.5259% | 1,900 |
| Net interest margin | 4.1310% | 1,306 |
| Noninterest income to average assets | 0.4077% | 3,817 |
| Noninterest expense to average assets | 1.7939% | 5,476 |
| Loan and lease loss provision to assets | 0.4872% | 287 |
| Net operating income to assets | 1.0168% | 2,279 |
| Return on assets (ROA) | 1.0168% | 2,379 |
| Pretax return on assets | 2.0024% | 502 |
| Return on Equity (ROE) | 9.9299% | 1,988 |
| Retained earnings to average equity (ytd only) | 7.8309% | 911 |
| Net charge-offs to loans | -0.0315% | 5,268 |
| Credit loss provision to net charge-offs | -1,755.3191% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8803% | 5,750 |
| Assets per employee ($millions) | 6.9151% | 957 |
| Cash dividends to net income (ytd only)* | 21.1382% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0662% | 164 |
| Loan loss allowance to noncurrent loans | 614.8817% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 3,547 |
| Noncurrent loans to loans | 0.4987% | 3,375 |
| Net loans and leases to total assets | 83.6022% | 422 |
| Net loans and leases to deposits | 93.4023% | 1,259 |
| Net loans and leases to core deposits | 102.5201% | 1,410 |
| Total domestic deposits to total assets | 89.5077% | 856 |
| Equity capital to assets | 9.5416% | 4,227 |
| Core capital (leverage) ratio | 9.8503% | 3,689 |
| Tier 1 risk-based capital ratio | 10.5639% | 5,543 |
| Total risk-based capital ratio | 11.8348% | 5,464 |
| Memoranda: | ||
| Average total assets | $338,700,000 | 1,958 |
| Average earning assets | $317,768,000 | 1,930 |
| Average equity | $34,683,200 | 2,094 |
| Average total loans | $298,311,800 | 1,524 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,149 |
| Cost of funding earning assets | 0.5015% | 2,091 |
| Net interest margin | 4.1632% | 1,217 |
| Noninterest income to average assets | 0.4493% | 3,561 |
| Noninterest expense to average assets | 1.7566% | 5,569 |
| Loan and lease loss provision to assets | 0.3636% | 430 |
| Net operating income to assets | 1.2124% | 1,598 |
| Return on assets (ROA) | 1.2124% | 1,697 |
| Pretax return on assets | 2.2293% | 363 |
| Return on Equity (ROE) | 11.6158% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.7927% | 618 |
| Net charge-offs to loans | -0.0082% | 4,720 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3864% | 5,825 |
| Assets per employee ($millions) | 6.3838% | 1,185 |
| Cash dividends to net income (ytd only)* | 15.6947% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8244% | 234 |
| Loan loss allowance to noncurrent loans | 375.1658% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 2,855 |
| Noncurrent loans to loans | 0.7528% | 2,788 |
| Net loans and leases to total assets | 88.6727% | 104 |
| Net loans and leases to deposits | 99.6894% | 723 |
| Net loans and leases to core deposits | 111.9422% | 812 |
| Total domestic deposits to total assets | 88.9490% | 933 |
| Equity capital to assets | 10.2094% | 3,901 |
| Core capital (leverage) ratio | 10.2066% | 3,328 |
| Tier 1 risk-based capital ratio | 10.5216% | 5,610 |
| Total risk-based capital ratio | 11.7894% | 5,526 |
| Memoranda: | ||
| Average total assets | $330,021,000 | 2,008 |
| Average earning assets | $309,177,250 | 1,983 |
| Average equity | $34,446,500 | 2,121 |
| Average total loans | $292,375,000 | 1,557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 1,282 |
| Cost of funding earning assets | 0.4481% | 2,588 |
| Net interest margin | 4.1446% | 1,249 |
| Noninterest income to average assets | 0.5059% | 3,155 |
| Noninterest expense to average assets | 1.8620% | 5,518 |
| Loan and lease loss provision to assets | 0.3715% | 423 |
| Net operating income to assets | 1.1585% | 1,740 |
| Return on assets (ROA) | 1.1585% | 1,852 |
| Pretax return on assets | 2.1499% | 417 |
| Return on Equity (ROE) | 11.0124% | 1,638 |
| Retained earnings to average equity (ytd only) | 8.2401% | 1,097 |
| Net charge-offs to loans | -0.0127% | 4,775 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4778% | 5,857 |
| Assets per employee ($millions) | 6.1660% | 1,288 |
| Cash dividends to net income (ytd only)* | 25.1737% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8636% | 235 |
| Loan loss allowance to noncurrent loans | 452.1447% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 3,306 |
| Noncurrent loans to loans | 0.6333% | 3,180 |
| Net loans and leases to total assets | 87.5114% | 169 |
| Net loans and leases to deposits | 98.3181% | 857 |
| Net loans and leases to core deposits | 108.7377% | 1,000 |
| Total domestic deposits to total assets | 89.0084% | 917 |
| Equity capital to assets | 10.2105% | 3,962 |
| Core capital (leverage) ratio | 10.8009% | 2,650 |
| Tier 1 risk-based capital ratio | 10.4280% | 5,703 |
| Total risk-based capital ratio | 11.6956% | 5,615 |
| Memoranda: | ||
| Average total assets | $322,992,330 | 2,057 |
| Average earning assets | $302,177,330 | 2,044 |
| Average equity | $33,980,000 | 2,152 |
| Average total loans | $283,038,330 | 1,603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 1,122 |
| Cost of funding earning assets | 0.4255% | 2,808 |
| Net interest margin | 4.2362% | 1,022 |
| Noninterest income to average assets | 0.3036% | 4,554 |
| Noninterest expense to average assets | 1.7401% | 5,715 |
| Loan and lease loss provision to assets | 0.3810% | 375 |
| Net operating income to assets | 1.1609% | 1,672 |
| Return on assets (ROA) | 1.1609% | 1,783 |
| Pretax return on assets | 2.1402% | 426 |
| Return on Equity (ROE) | 10.8627% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.8627% | 674 |
| Net charge-offs to loans | -0.0015% | 4,101 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8346% | 5,948 |
| Assets per employee ($millions) | 5.9617% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0367% | 217 |
| Loan loss allowance to noncurrent loans | 686.0862% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,006 |
| Noncurrent loans to loans | 0.4426% | 3,853 |
| Net loans and leases to total assets | 86.8478% | 174 |
| Net loans and leases to deposits | 98.5667% | 717 |
| Net loans and leases to core deposits | 108.7404% | 930 |
| Total domestic deposits to total assets | 88.1107% | 1,585 |
| Equity capital to assets | 11.0048% | 2,931 |
| Core capital (leverage) ratio | 10.9254% | 2,468 |
| Tier 1 risk-based capital ratio | 11.7577% | 5,075 |
| Total risk-based capital ratio | 13.0287% | 4,967 |
| Memoranda: | ||
| Average total assets | $314,922,500 | 2,111 |
| Average earning assets | $294,228,000 | 2,096 |
| Average equity | $33,656,500 | 2,168 |
| Average total loans | $271,793,500 | 1,656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 1,057 |
| Cost of funding earning assets | 0.4016% | 3,140 |
| Net interest margin | 4.3248% | 918 |
| Noninterest income to average assets | 0.5395% | 3,080 |
| Noninterest expense to average assets | 1.9496% | 5,546 |
| Loan and lease loss provision to assets | 0.9552% | 95 |
| Net operating income to assets | 1.0652% | 2,069 |
| Return on assets (ROA) | 1.0652% | 2,143 |
| Pretax return on assets | 1.6676% | 1,069 |
| Return on Equity (ROE) | 9.7755% | 2,091 |
| Retained earnings to average equity (ytd only) | 3.9326% | 3,241 |
| Net charge-offs to loans | 0.2376% | 1,255 |
| Credit loss provision to net charge-offs | 471.5447% | 661 |
| Earnings coverage of net charge-offs (x) | 12.9480% | 2,409 |
| Efficiency ratio | 42.6379% | 6,010 |
| Assets per employee ($millions) | 5.7113% | 1,609 |
| Cash dividends to net income (ytd only)* | 59.7712% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0577% | 211 |
| Loan loss allowance to noncurrent loans | 2,283.9888% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,145 |
| Noncurrent loans to loans | 0.1339% | 4,953 |
| Net loans and leases to total assets | 80.6000% | 761 |
| Net loans and leases to deposits | 90.4859% | 1,553 |
| Net loans and leases to core deposits | 98.0115% | 1,673 |
| Total domestic deposits to total assets | 89.0747% | 1,083 |
| Equity capital to assets | 10.3794% | 3,519 |
| Core capital (leverage) ratio | 10.5223% | 2,904 |
| Tier 1 risk-based capital ratio | 12.0284% | 4,927 |
| Total risk-based capital ratio | 13.2995% | 4,821 |
| Memoranda: | ||
| Average total assets | $303,602,600 | 2,129 |
| Average earning assets | $283,112,200 | 2,116 |
| Average equity | $33,082,600 | 2,144 |
| Average total loans | $258,813,600 | 1,677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 1,024 |
| Cost of funding earning assets | 0.3938% | 3,286 |
| Net interest margin | 4.3502% | 872 |
| Noninterest income to average assets | 0.3939% | 4,125 |
| Noninterest expense to average assets | 1.8953% | 5,644 |
| Loan and lease loss provision to assets | 0.4006% | 301 |
| Net operating income to assets | 1.1751% | 1,734 |
| Return on assets (ROA) | 1.1751% | 1,807 |
| Pretax return on assets | 2.1548% | 457 |
| Return on Equity (ROE) | 10.6490% | 1,847 |
| Retained earnings to average equity (ytd only) | 9.7777% | 675 |
| Net charge-offs to loans | 0.0373% | 3,153 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 79.7342% | 746 |
| Efficiency ratio | 42.5843% | 6,072 |
| Assets per employee ($millions) | 5.5766% | 1,705 |
| Cash dividends to net income (ytd only)* | 8.1817% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 463 |
| Loan loss allowance to noncurrent loans | 290.1739% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 2,761 |
| Noncurrent loans to loans | 0.8451% | 2,855 |
| Net loans and leases to total assets | 86.5623% | 199 |
| Net loans and leases to deposits | 98.3657% | 789 |
| Net loans and leases to core deposits | 107.2481% | 1,023 |
| Total domestic deposits to total assets | 88.0005% | 1,551 |
| Equity capital to assets | 11.1887% | 2,807 |
| Core capital (leverage) ratio | 11.1388% | 2,363 |
| Tier 1 risk-based capital ratio | 11.9965% | 5,089 |
| Total risk-based capital ratio | 13.2600% | 4,993 |
| Memoranda: | ||
| Average total assets | $299,544,500 | 2,166 |
| Average earning assets | $279,337,500 | 2,154 |
| Average equity | $33,054,000 | 2,158 |
| Average total loans | $257,037,500 | 1,691 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,141 |
| Cost of funding earning assets | 0.3782% | 3,516 |
| Net interest margin | 4.2844% | 948 |
| Noninterest income to average assets | 0.3964% | 4,098 |
| Noninterest expense to average assets | 1.8691% | 5,754 |
| Loan and lease loss provision to assets | 0.4038% | 285 |
| Net operating income to assets | 1.1509% | 1,778 |
| Return on assets (ROA) | 1.1509% | 1,842 |
| Pretax return on assets | 2.1188% | 479 |
| Return on Equity (ROE) | 10.4802% | 1,857 |
| Retained earnings to average equity (ytd only) | 9.1564% | 874 |
| Net charge-offs to loans | 0.0444% | 2,810 |
| Credit loss provision to net charge-offs | 1,071.4286% | 326 |
| Earnings coverage of net charge-offs (x) | 66.9286% | 789 |
| Efficiency ratio | 42.5594% | 6,159 |
| Assets per employee ($millions) | 5.4515% | 1,784 |
| Cash dividends to net income (ytd only)* | 12.6316% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 543 |
| Loan loss allowance to noncurrent loans | 248.4448% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 2,614 |
| Noncurrent loans to loans | 0.9690% | 2,710 |
| Net loans and leases to total assets | 86.3928% | 218 |
| Net loans and leases to deposits | 98.0243% | 787 |
| Net loans and leases to core deposits | 104.8551% | 1,135 |
| Total domestic deposits to total assets | 88.1341% | 1,580 |
| Equity capital to assets | 11.1038% | 2,775 |
| Core capital (leverage) ratio | 11.3684% | 2,103 |
| Tier 1 risk-based capital ratio | 11.9850% | 5,165 |
| Total risk-based capital ratio | 13.2482% | 5,048 |
| Memoranda: | ||
| Average total assets | $297,155,330 | 2,194 |
| Average earning assets | $277,098,330 | 2,184 |
| Average equity | $32,633,000 | 2,192 |
| Average total loans | $251,993,000 | 1,730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 1,450 |
| Cost of funding earning assets | 0.3626% | 3,721 |
| Net interest margin | 4.1406% | 1,185 |
| Noninterest income to average assets | 0.3394% | 4,479 |
| Noninterest expense to average assets | 1.7917% | 5,915 |
| Loan and lease loss provision to assets | 0.4057% | 278 |
| Net operating income to assets | 1.0736% | 1,958 |
| Return on assets (ROA) | 1.0736% | 2,076 |
| Pretax return on assets | 2.0026% | 582 |
| Return on Equity (ROE) | 9.8319% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.8319% | 969 |
| Net charge-offs to loans | -0.0016% | 4,344 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6594% | 6,214 |
| Assets per employee ($millions) | 5.3943% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 528 |
| Loan loss allowance to noncurrent loans | 160.2450% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 1,827 |
| Noncurrent loans to loans | 1.5601% | 1,793 |
| Net loans and leases to total assets | 83.8537% | 320 |
| Net loans and leases to deposits | 95.6412% | 855 |
| Net loans and leases to core deposits | 104.7664% | 1,015 |
| Total domestic deposits to total assets | 87.6754% | 2,000 |
| Equity capital to assets | 11.4439% | 2,521 |
| Core capital (leverage) ratio | 11.1546% | 2,260 |
| Tier 1 risk-based capital ratio | 12.8991% | 4,664 |
| Total risk-based capital ratio | 14.1639% | 4,570 |
| Memoranda: | ||
| Average total assets | $295,816,500 | 2,218 |
| Average earning assets | $275,805,000 | 2,206 |
| Average equity | $32,303,000 | 2,221 |
| Average total loans | $245,277,500 | 1,775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 1,121 |
| Cost of funding earning assets | 0.3974% | 3,717 |
| Net interest margin | 4.4012% | 881 |
| Noninterest income to average assets | 0.3569% | 4,547 |
| Noninterest expense to average assets | 2.2038% | 5,349 |
| Loan and lease loss provision to assets | 0.6043% | 230 |
| Net operating income to assets | 0.9793% | 2,486 |
| Return on assets (ROA) | 0.9793% | 2,562 |
| Pretax return on assets | 1.6113% | 1,205 |
| Return on Equity (ROE) | 8.7462% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.0318% | 3,337 |
| Net charge-offs to loans | 0.1618% | 2,413 |
| Credit loss provision to net charge-offs | 449.7354% | 584 |
| Earnings coverage of net charge-offs (x) | 16.4894% | 2,007 |
| Efficiency ratio | 49.8673% | 6,102 |
| Assets per employee ($millions) | 5.5588% | 1,720 |
| Cash dividends to net income (ytd only)* | 53.9020% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3893% | 631 |
| Loan loss allowance to noncurrent loans | 186.5348% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 2,506 |
| Noncurrent loans to loans | 1.2809% | 2,313 |
| Net loans and leases to total assets | 78.1153% | 984 |
| Net loans and leases to deposits | 87.7969% | 1,758 |
| Net loans and leases to core deposits | 95.2849% | 1,779 |
| Total domestic deposits to total assets | 88.9728% | 1,259 |
| Equity capital to assets | 10.4300% | 3,575 |
| Core capital (leverage) ratio | 10.8371% | 2,572 |
| Tier 1 risk-based capital ratio | 12.4651% | 5,050 |
| Total risk-based capital ratio | 13.7281% | 4,965 |
| Memoranda: | ||
| Average total assets | $281,326,600 | 2,265 |
| Average earning assets | $259,676,800 | 2,279 |
| Average equity | $31,499,400 | 2,194 |
| Average total loans | $233,632,600 | 1,802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 925 |
| Cost of funding earning assets | 0.4056% | 3,721 |
| Net interest margin | 4.4953% | 740 |
| Noninterest income to average assets | 0.3507% | 4,638 |
| Noninterest expense to average assets | 2.0904% | 5,596 |
| Loan and lease loss provision to assets | 0.3876% | 444 |
| Net operating income to assets | 1.1539% | 1,849 |
| Return on assets (ROA) | 1.1539% | 1,911 |
| Pretax return on assets | 2.0124% | 548 |
| Return on Equity (ROE) | 10.1137% | 2,163 |
| Retained earnings to average equity (ytd only) | 4.8063% | 3,210 |
| Net charge-offs to loans | 0.0069% | 4,465 |
| Credit loss provision to net charge-offs | 6,666.6667% | 62 |
| Earnings coverage of net charge-offs (x) | 412.8231% | 176 |
| Efficiency ratio | 46.5530% | 6,263 |
| Assets per employee ($millions) | 5.2659% | 1,939 |
| Cash dividends to net income (ytd only)* | 52.4771% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1901% | 959 |
| Loan loss allowance to noncurrent loans | 217.9729% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 2,772 |
| Noncurrent loans to loans | 1.0048% | 3,054 |
| Net loans and leases to total assets | 81.9087% | 521 |
| Net loans and leases to deposits | 92.6987% | 1,164 |
| Net loans and leases to core deposits | 102.7793% | 1,171 |
| Total domestic deposits to total assets | 88.3602% | 1,572 |
| Equity capital to assets | 10.9662% | 2,988 |
| Core capital (leverage) ratio | 11.0996% | 2,400 |
| Tier 1 risk-based capital ratio | 12.5251% | 5,157 |
| Total risk-based capital ratio | 13.7858% | 5,082 |
| Memoranda: | ||
| Average total assets | $275,224,750 | 2,333 |
| Average earning assets | $253,445,000 | 2,333 |
| Average equity | $31,402,250 | 2,205 |
| Average total loans | $230,873,000 | 1,824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 894 |
| Cost of funding earning assets | 0.4058% | 3,813 |
| Net interest margin | 4.5057% | 697 |
| Noninterest income to average assets | 0.3409% | 4,693 |
| Noninterest expense to average assets | 2.0235% | 5,789 |
| Loan and lease loss provision to assets | 0.3698% | 469 |
| Net operating income to assets | 1.2129% | 1,552 |
| Return on assets (ROA) | 1.2129% | 1,609 |
| Pretax return on assets | 2.0782% | 457 |
| Return on Equity (ROE) | 10.4850% | 1,946 |
| Retained earnings to average equity (ytd only) | 8.8867% | 1,029 |
| Net charge-offs to loans | 0.0123% | 3,994 |
| Credit loss provision to net charge-offs | 3,571.4286% | 98 |
| Earnings coverage of net charge-offs (x) | 236.4286% | 289 |
| Efficiency ratio | 45.2531% | 6,382 |
| Assets per employee ($millions) | 4.9595% | 2,270 |
| Cash dividends to net income (ytd only)* | 15.2439% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0699% | 1,241 |
| Loan loss allowance to noncurrent loans | 383.6141% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 3,741 |
| Noncurrent loans to loans | 0.5396% | 4,391 |
| Net loans and leases to total assets | 85.3448% | 224 |
| Net loans and leases to deposits | 98.7971% | 616 |
| Net loans and leases to core deposits | 108.3205% | 753 |
| Total domestic deposits to total assets | 86.3839% | 2,829 |
| Equity capital to assets | 11.5270% | 2,398 |
| Core capital (leverage) ratio | 11.7915% | 1,792 |
| Tier 1 risk-based capital ratio | 12.6433% | 5,130 |
| Total risk-based capital ratio | 13.9027% | 5,056 |
| Memoranda: | ||
| Average total assets | $270,424,330 | 2,372 |
| Average earning assets | $247,909,000 | 2,378 |
| Average equity | $31,282,670 | 2,201 |
| Average total loans | $226,983,670 | 1,851 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 1,008 |
| Cost of funding earning assets | 0.4048% | 3,912 |
| Net interest margin | 4.4141% | 782 |
| Noninterest income to average assets | 0.3269% | 4,755 |
| Noninterest expense to average assets | 2.2041% | 5,453 |
| Loan and lease loss provision to assets | 0.2999% | 644 |
| Net operating income to assets | 1.0481% | 2,015 |
| Return on assets (ROA) | 1.0481% | 2,083 |
| Pretax return on assets | 1.8773% | 684 |
| Return on Equity (ROE) | 9.0436% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.0436% | 1,237 |
| Net charge-offs to loans | 0.1312% | 1,927 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,344 |
| Efficiency ratio | 50.3080% | 6,238 |
| Assets per employee ($millions) | 4.6459% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 1,341 |
| Loan loss allowance to noncurrent loans | 438.4543% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 4,017 |
| Noncurrent loans to loans | 0.4769% | 4,733 |
| Net loans and leases to total assets | 83.7308% | 246 |
| Net loans and leases to deposits | 98.6219% | 511 |
| Net loans and leases to core deposits | 108.4529% | 653 |
| Total domestic deposits to total assets | 84.9008% | 3,916 |
| Equity capital to assets | 12.0274% | 1,850 |
| Core capital (leverage) ratio | 11.7494% | 1,801 |
| Tier 1 risk-based capital ratio | 13.4734% | 4,703 |
| Total risk-based capital ratio | 14.7331% | 4,637 |
| Memoranda: | ||
| Average total assets | $266,771,500 | 2,404 |
| Average earning assets | $245,035,500 | 2,399 |
| Average equity | $30,917,000 | 2,214 |
| Average total loans | $219,456,500 | 1,899 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 813 |
| Cost of funding earning assets | 0.4807% | 3,810 |
| Net interest margin | 4.5821% | 635 |
| Noninterest income to average assets | 0.4714% | 3,953 |
| Noninterest expense to average assets | 2.1365% | 5,756 |
| Loan and lease loss provision to assets | 0.7240% | 312 |
| Net operating income to assets | 0.9686% | 2,476 |
| Return on assets (ROA) | 0.9686% | 2,544 |
| Pretax return on assets | 1.7475% | 855 |
| Return on Equity (ROE) | 8.5508% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.4138% | 1,267 |
| Net charge-offs to loans | 0.6809% | 954 |
| Credit loss provision to net charge-offs | 131.0345% | 1,797 |
| Earnings coverage of net charge-offs (x) | 4.4731% | 3,557 |
| Efficiency ratio | 46.3657% | 6,541 |
| Assets per employee ($millions) | 5.3602% | 1,790 |
| Cash dividends to net income (ytd only)* | 13.2966% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0904% | 1,351 |
| Loan loss allowance to noncurrent loans | 549.6962% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,560 |
| Noncurrent loans to loans | 0.3803% | 5,053 |
| Net loans and leases to total assets | 77.5111% | 885 |
| Net loans and leases to deposits | 87.7618% | 1,492 |
| Net loans and leases to core deposits | 95.3747% | 1,497 |
| Total domestic deposits to total assets | 88.3199% | 1,995 |
| Equity capital to assets | 11.1724% | 2,452 |
| Core capital (leverage) ratio | 11.6318% | 1,872 |
| Tier 1 risk-based capital ratio | 13.5160% | 4,642 |
| Total risk-based capital ratio | 14.7753% | 4,580 |
| Memoranda: | ||
| Average total assets | $262,433,600 | 2,411 |
| Average earning assets | $236,922,200 | 2,449 |
| Average equity | $29,728,200 | 2,270 |
| Average total loans | $212,955,800 | 1,910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 745 |
| Cost of funding earning assets | 0.5028% | 3,741 |
| Net interest margin | 4.6176% | 595 |
| Noninterest income to average assets | 0.4338% | 4,276 |
| Noninterest expense to average assets | 2.0623% | 5,903 |
| Loan and lease loss provision to assets | 0.4621% | 609 |
| Net operating income to assets | 1.1475% | 1,826 |
| Return on assets (ROA) | 1.1475% | 1,897 |
| Pretax return on assets | 2.0490% | 518 |
| Return on Equity (ROE) | 10.0930% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.4698% | 914 |
| Net charge-offs to loans | 0.2546% | 2,287 |
| Credit loss provision to net charge-offs | 222.2222% | 1,098 |
| Earnings coverage of net charge-offs (x) | 12.0765% | 2,176 |
| Efficiency ratio | 45.0943% | 6,626 |
| Assets per employee ($millions) | 5.2793% | 1,857 |
| Cash dividends to net income (ytd only)* | 6.1746% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 1,520 |
| Loan loss allowance to noncurrent loans | 319.5105% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 3,835 |
| Noncurrent loans to loans | 0.6551% | 4,565 |
| Net loans and leases to total assets | 84.3425% | 228 |
| Net loans and leases to deposits | 96.8230% | 636 |
| Net loans and leases to core deposits | 106.3249% | 743 |
| Total domestic deposits to total assets | 87.1100% | 2,632 |
| Equity capital to assets | 12.0175% | 1,905 |
| Core capital (leverage) ratio | 11.9830% | 1,682 |
| Tier 1 risk-based capital ratio | 13.3901% | 4,845 |
| Total risk-based capital ratio | 14.6497% | 4,777 |
| Memoranda: | ||
| Average total assets | $259,699,500 | 2,458 |
| Average earning assets | $232,814,750 | 2,502 |
| Average equity | $29,524,750 | 2,304 |
| Average total loans | $212,090,750 | 1,918 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 788 |
| Cost of funding earning assets | 0.5228% | 3,679 |
| Net interest margin | 4.5655% | 632 |
| Noninterest income to average assets | 0.4370% | 4,269 |
| Noninterest expense to average assets | 2.0925% | 5,881 |
| Loan and lease loss provision to assets | 0.4584% | 628 |
| Net operating income to assets | 1.0367% | 2,171 |
| Return on assets (ROA) | 1.0367% | 2,287 |
| Pretax return on assets | 1.9488% | 671 |
| Return on Equity (ROE) | 9.2896% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.3449% | 1,349 |
| Net charge-offs to loans | 0.0571% | 3,886 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 52.5167% | 778 |
| Efficiency ratio | 46.5025% | 6,614 |
| Assets per employee ($millions) | 5.0245% | 2,087 |
| Cash dividends to net income (ytd only)* | 10.1695% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,483 |
| Loan loss allowance to noncurrent loans | 211.7485% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 3,303 |
| Noncurrent loans to loans | 1.0251% | 3,883 |
| Net loans and leases to total assets | 82.7716% | 310 |
| Net loans and leases to deposits | 94.4436% | 780 |
| Net loans and leases to core deposits | 104.4656% | 818 |
| Total domestic deposits to total assets | 87.6414% | 2,470 |
| Equity capital to assets | 11.8336% | 2,023 |
| Core capital (leverage) ratio | 11.3520% | 2,056 |
| Tier 1 risk-based capital ratio | 13.5151% | 4,757 |
| Total risk-based capital ratio | 14.7761% | 4,707 |
| Memoranda: | ||
| Average total assets | $261,797,330 | 2,442 |
| Average earning assets | $232,966,000 | 2,510 |
| Average equity | $29,215,330 | 2,325 |
| Average total loans | $210,021,670 | 1,934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 738 |
| Cost of funding earning assets | 0.5464% | 3,607 |
| Net interest margin | 4.5553% | 614 |
| Noninterest income to average assets | 0.4508% | 4,118 |
| Noninterest expense to average assets | 2.0608% | 5,980 |
| Loan and lease loss provision to assets | 0.4493% | 632 |
| Net operating income to assets | 1.0334% | 2,096 |
| Return on assets (ROA) | 1.0334% | 2,207 |
| Pretax return on assets | 1.8990% | 740 |
| Return on Equity (ROE) | 9.5309% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.5309% | 1,235 |
| Net charge-offs to loans | 0.0096% | 3,958 |
| Credit loss provision to net charge-offs | 6,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 313.6000% | 122 |
| Efficiency ratio | 46.7391% | 6,661 |
| Assets per employee ($millions) | 4.7235% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 1,821 |
| Loan loss allowance to noncurrent loans | 259.2878% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.7245% | 2,706 |
| Noncurrent loans to loans | 0.8056% | 4,515 |
| Net loans and leases to total assets | 78.8280% | 526 |
| Net loans and leases to deposits | 89.4372% | 1,011 |
| Net loans and leases to core deposits | 95.0261% | 1,264 |
| Total domestic deposits to total assets | 88.1378% | 2,235 |
| Equity capital to assets | 11.2879% | 2,647 |
| Core capital (leverage) ratio | 10.7440% | 2,503 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,977 |
| Total risk-based capital ratio | 14.6060% | 4,921 |
| Memoranda: | ||
| Average total assets | $267,083,500 | 2,423 |
| Average earning assets | $232,080,500 | 2,554 |
| Average equity | $28,958,500 | 2,380 |
| Average total loans | $208,754,000 | 1,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 566 |
| Cost of funding earning assets | 0.7781% | 2,846 |
| Net interest margin | 4.7748% | 565 |
| Noninterest income to average assets | 0.5655% | 3,475 |
| Noninterest expense to average assets | 2.2897% | 5,716 |
| Loan and lease loss provision to assets | 0.8402% | 566 |
| Net operating income to assets | 0.8402% | 3,093 |
| Return on assets (ROA) | 0.7934% | 3,562 |
| Pretax return on assets | 1.2314% | 2,675 |
| Return on Equity (ROE) | 7.8336% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.8418% | 1,648 |
| Net charge-offs to loans | 1.4274% | 641 |
| Credit loss provision to net charge-offs | 77.2849% | 3,921 |
| Earnings coverage of net charge-offs (x) | 1.9728% | 4,431 |
| Efficiency ratio | 51.6352% | 6,489 |
| Assets per employee ($millions) | 4.8996% | 2,360 |
| Cash dividends to net income (ytd only)* | 12.6611% | 3,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,143 |
| Loan loss allowance to noncurrent loans | 222.3799% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.6864% | 2,870 |
| Noncurrent loans to loans | 0.8793% | 4,418 |
| Net loans and leases to total assets | 74.4515% | 1,133 |
| Net loans and leases to deposits | 83.4407% | 1,822 |
| Net loans and leases to core deposits | 88.0873% | 2,077 |
| Total domestic deposits to total assets | 89.2268% | 1,421 |
| Equity capital to assets | 10.4207% | 3,625 |
| Core capital (leverage) ratio | 10.7119% | 2,531 |
| Tier 1 risk-based capital ratio | 13.1062% | 5,032 |
| Total risk-based capital ratio | 14.3645% | 4,973 |
| Memoranda: | ||
| Average total assets | $273,744,400 | 2,315 |
| Average earning assets | $221,812,400 | 2,594 |
| Average equity | $27,726,600 | 2,421 |
| Average total loans | $208,488,000 | 1,935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 563 |
| Cost of funding earning assets | 0.8274% | 2,730 |
| Net interest margin | 4.7666% | 591 |
| Noninterest income to average assets | 0.5526% | 3,594 |
| Noninterest expense to average assets | 2.2505% | 5,815 |
| Loan and lease loss provision to assets | 0.7066% | 720 |
| Net operating income to assets | 0.9836% | 2,593 |
| Return on assets (ROA) | 0.9323% | 3,049 |
| Pretax return on assets | 1.3801% | 2,303 |
| Return on Equity (ROE) | 9.2715% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.5445% | 1,396 |
| Net charge-offs to loans | 0.5409% | 1,979 |
| Credit loss provision to net charge-offs | 171.3948% | 1,625 |
| Earnings coverage of net charge-offs (x) | 5.2447% | 3,070 |
| Efficiency ratio | 50.9994% | 6,518 |
| Assets per employee ($millions) | 4.6255% | 2,710 |
| Cash dividends to net income (ytd only)* | 7.8413% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5478% | 1,150 |
| Loan loss allowance to noncurrent loans | 393.9662% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.6388% | 3,130 |
| Noncurrent loans to loans | 0.6467% | 5,151 |
| Net loans and leases to total assets | 79.0601% | 594 |
| Net loans and leases to deposits | 89.3244% | 1,225 |
| Net loans and leases to core deposits | 95.2422% | 1,465 |
| Total domestic deposits to total assets | 88.5089% | 1,718 |
| Equity capital to assets | 10.9958% | 3,284 |
| Core capital (leverage) ratio | 10.8720% | 2,518 |
| Tier 1 risk-based capital ratio | 12.9946% | 5,257 |
| Total risk-based capital ratio | 14.2598% | 5,202 |
| Memoranda: | ||
| Average total assets | $273,586,500 | 2,336 |
| Average earning assets | $221,565,000 | 2,619 |
| Average equity | $27,510,250 | 2,458 |
| Average total loans | $208,522,250 | 1,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 566 |
| Cost of funding earning assets | 0.8885% | 2,499 |
| Net interest margin | 4.7232% | 643 |
| Noninterest income to average assets | 0.4791% | 4,064 |
| Noninterest expense to average assets | 2.1506% | 6,119 |
| Loan and lease loss provision to assets | 0.7542% | 692 |
| Net operating income to assets | 0.8434% | 3,177 |
| Return on assets (ROA) | 0.7722% | 3,779 |
| Pretax return on assets | 1.2125% | 2,867 |
| Return on Equity (ROE) | 7.9084% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.3566% | 1,930 |
| Net charge-offs to loans | 0.8155% | 1,354 |
| Credit loss provision to net charge-offs | 123.8208% | 2,214 |
| Earnings coverage of net charge-offs (x) | 3.4116% | 3,382 |
| Efficiency ratio | 50.8578% | 6,583 |
| Assets per employee ($millions) | 4.8515% | 2,358 |
| Cash dividends to net income (ytd only)* | 6.9767% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 1,427 |
| Loan loss allowance to noncurrent loans | 1,661.7450% | 286 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 3,960 |
| Noncurrent loans to loans | 0.1440% | 6,301 |
| Net loans and leases to total assets | 75.6914% | 1,004 |
| Net loans and leases to deposits | 84.8505% | 1,738 |
| Net loans and leases to core deposits | 95.1033% | 1,499 |
| Total domestic deposits to total assets | 89.2055% | 1,386 |
| Equity capital to assets | 10.3893% | 3,826 |
| Core capital (leverage) ratio | 9.9221% | 3,524 |
| Tier 1 risk-based capital ratio | 12.8431% | 5,306 |
| Total risk-based capital ratio | 14.1065% | 5,267 |
| Memoranda: | ||
| Average total assets | $278,439,670 | 2,308 |
| Average earning assets | $221,037,330 | 2,634 |
| Average equity | $27,186,330 | 2,465 |
| Average total loans | $207,982,670 | 1,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 618 |
| Cost of funding earning assets | 0.9358% | 2,403 |
| Net interest margin | 4.6734% | 723 |
| Noninterest income to average assets | 0.4348% | 4,416 |
| Noninterest expense to average assets | 2.5668% | 4,934 |
| Loan and lease loss provision to assets | 0.4222% | 1,488 |
| Net operating income to assets | 0.6698% | 4,031 |
| Return on assets (ROA) | 0.6698% | 4,245 |
| Pretax return on assets | 1.0864% | 3,380 |
| Return on Equity (ROE) | 7.0732% | 3,748 |
| Retained earnings to average equity (ytd only) | 7.0732% | 2,399 |
| Net charge-offs to loans | 0.0211% | 4,391 |
| Credit loss provision to net charge-offs | 2,727.2727% | 107 |
| Earnings coverage of net charge-offs (x) | 97.4545% | 354 |
| Efficiency ratio | 62.9834% | 5,111 |
| Assets per employee ($millions) | 5.1020% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4421% | 1,440 |
| Loan loss allowance to noncurrent loans | 142.7883% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9974% | 2,903 |
| Noncurrent loans to loans | 1.7103% | 3,548 |
| Net loans and leases to total assets | 73.0637% | 1,214 |
| Net loans and leases to deposits | 81.4516% | 2,002 |
| Net loans and leases to core deposits | 91.4500% | 1,707 |
| Total domestic deposits to total assets | 89.7020% | 1,245 |
| Equity capital to assets | 9.8403% | 4,319 |
| Core capital (leverage) ratio | 9.4186% | 4,170 |
| Tier 1 risk-based capital ratio | 12.6899% | 5,455 |
| Total risk-based capital ratio | 13.9541% | 5,399 |
| Memoranda: | ||
| Average total assets | $284,244,000 | 2,288 |
| Average earning assets | $221,421,500 | 2,642 |
| Average equity | $26,918,500 | 2,480 |
| Average total loans | $208,514,000 | 1,958 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 869 |
| Cost of funding earning assets | 1.1927% | 2,079 |
| Net interest margin | 4.4566% | 1,240 |
| Noninterest income to average assets | 0.3306% | 5,175 |
| Noninterest expense to average assets | 2.3172% | 6,001 |
| Loan and lease loss provision to assets | 0.7243% | 1,405 |
| Net operating income to assets | 0.7783% | 3,141 |
| Return on assets (ROA) | 0.7562% | 3,399 |
| Pretax return on assets | 1.1751% | 2,552 |
| Return on Equity (ROE) | 7.9043% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.2521% | 1,382 |
| Net charge-offs to loans | 1.6726% | 924 |
| Credit loss provision to net charge-offs | 52.1530% | 5,376 |
| Earnings coverage of net charge-offs (x) | 1.3926% | 4,722 |
| Efficiency ratio | 54.5081% | 6,465 |
| Assets per employee ($millions) | 5.4255% | 1,713 |
| Cash dividends to net income (ytd only)* | 8.2515% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 1,700 |
| Loan loss allowance to noncurrent loans | 105.0653% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 2.3401% | 2,591 |
| Noncurrent loans to loans | 2.1458% | 3,015 |
| Net loans and leases to total assets | 70.2924% | 1,973 |
| Net loans and leases to deposits | 77.5580% | 2,909 |
| Net loans and leases to core deposits | 86.4681% | 2,575 |
| Total domestic deposits to total assets | 90.6321% | 653 |
| Equity capital to assets | 9.1222% | 5,385 |
| Core capital (leverage) ratio | 9.4265% | 4,150 |
| Tier 1 risk-based capital ratio | 12.2105% | 5,681 |
| Total risk-based capital ratio | 13.4725% | 5,643 |
| Memoranda: | ||
| Average total assets | $269,243,600 | 2,343 |
| Average earning assets | $236,863,600 | 2,434 |
| Average equity | $25,758,000 | 2,503 |
| Average total loans | $223,537,600 | 1,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 914 |
| Cost of funding earning assets | 1.1773% | 2,467 |
| Net interest margin | 4.4850% | 1,187 |
| Noninterest income to average assets | 0.2567% | 5,789 |
| Noninterest expense to average assets | 2.2482% | 6,172 |
| Loan and lease loss provision to assets | 0.5823% | 1,688 |
| Net operating income to assets | 0.9302% | 2,618 |
| Return on assets (ROA) | 0.9302% | 2,773 |
| Pretax return on assets | 1.5176% | 1,603 |
| Return on Equity (ROE) | 9.5990% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.2070% | 1,075 |
| Net charge-offs to loans | 1.0919% | 1,455 |
| Credit loss provision to net charge-offs | 61.9278% | 4,746 |
| Earnings coverage of net charge-offs (x) | 2.2332% | 4,012 |
| Efficiency ratio | 51.7061% | 6,706 |
| Assets per employee ($millions) | 4.8825% | 2,350 |
| Cash dividends to net income (ytd only)* | 4.0828% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5989% | 1,266 |
| Loan loss allowance to noncurrent loans | 218.8368% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 3,335 |
| Noncurrent loans to loans | 1.1876% | 4,557 |
| Net loans and leases to total assets | 81.3912% | 402 |
| Net loans and leases to deposits | 92.2714% | 993 |
| Net loans and leases to core deposits | 103.2442% | 1,019 |
| Total domestic deposits to total assets | 88.2084% | 1,921 |
| Equity capital to assets | 9.8861% | 4,499 |
| Core capital (leverage) ratio | 10.0234% | 3,406 |
| Tier 1 risk-based capital ratio | 11.2842% | 6,375 |
| Total risk-based capital ratio | 12.5497% | 6,354 |
| Memoranda: | ||
| Average total assets | $263,309,750 | 2,412 |
| Average earning assets | $240,203,750 | 2,407 |
| Average equity | $25,516,000 | 2,525 |
| Average total loans | $226,749,000 | 1,841 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 833 |
| Cost of funding earning assets | 1.2161% | 2,468 |
| Net interest margin | 4.5114% | 1,109 |
| Noninterest income to average assets | 0.2814% | 5,636 |
| Noninterest expense to average assets | 2.3237% | 6,058 |
| Loan and lease loss provision to assets | 0.6117% | 1,566 |
| Net operating income to assets | 0.9474% | 2,447 |
| Return on assets (ROA) | 0.9474% | 2,539 |
| Pretax return on assets | 1.4390% | 1,698 |
| Return on Equity (ROE) | 9.8443% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.2484% | 1,037 |
| Net charge-offs to loans | 0.9906% | 1,581 |
| Credit loss provision to net charge-offs | 70.9849% | 4,038 |
| Earnings coverage of net charge-offs (x) | 2.3798% | 3,632 |
| Efficiency ratio | 53.1201% | 6,701 |
| Assets per employee ($millions) | 4.5826% | 2,721 |
| Cash dividends to net income (ytd only)* | 6.0533% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7195% | 1,162 |
| Loan loss allowance to noncurrent loans | 333.6198% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 5,336 |
| Noncurrent loans to loans | 0.8152% | 5,296 |
| Net loans and leases to total assets | 86.5888% | 120 |
| Net loans and leases to deposits | 98.3840% | 579 |
| Net loans and leases to core deposits | 115.1126% | 545 |
| Total domestic deposits to total assets | 88.0111% | 2,130 |
| Equity capital to assets | 10.0690% | 4,061 |
| Core capital (leverage) ratio | 9.7996% | 3,523 |
| Tier 1 risk-based capital ratio | 11.1520% | 6,414 |
| Total risk-based capital ratio | 12.4202% | 6,398 |
| Memoranda: | ||
| Average total assets | $261,566,670 | 2,445 |
| Average earning assets | $237,312,000 | 2,454 |
| Average equity | $25,172,000 | 2,540 |
| Average total loans | $227,532,330 | 1,861 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7422% | 811 |
| Cost of funding earning assets | 1.2655% | 2,391 |
| Net interest margin | 4.4767% | 1,119 |
| Noninterest income to average assets | 0.2651% | 5,775 |
| Noninterest expense to average assets | 2.5057% | 5,528 |
| Loan and lease loss provision to assets | 0.3787% | 2,295 |
| Net operating income to assets | 0.9029% | 2,550 |
| Return on assets (ROA) | 0.9029% | 2,614 |
| Pretax return on assets | 1.3786% | 1,783 |
| Return on Equity (ROE) | 9.5982% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.5982% | 1,211 |
| Net charge-offs to loans | 0.6394% | 1,926 |
| Credit loss provision to net charge-offs | 68.8705% | 3,371 |
| Earnings coverage of net charge-offs (x) | 3.1956% | 2,821 |
| Efficiency ratio | 58.7775% | 6,160 |
| Assets per employee ($millions) | 4.6250% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8425% | 1,066 |
| Loan loss allowance to noncurrent loans | 318.9082% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,386 |
| Noncurrent loans to loans | 0.8913% | 5,263 |
| Net loans and leases to total assets | 83.3165% | 258 |
| Net loans and leases to deposits | 94.0370% | 821 |
| Net loans and leases to core deposits | 113.0548% | 626 |
| Total domestic deposits to total assets | 88.5998% | 2,018 |
| Equity capital to assets | 9.5503% | 4,369 |
| Core capital (leverage) ratio | 9.4202% | 3,929 |
| Tier 1 risk-based capital ratio | 11.0812% | 6,449 |
| Total risk-based capital ratio | 12.3510% | 6,407 |
| Memoranda: | ||
| Average total assets | $264,036,000 | 2,435 |
| Average earning assets | $235,796,500 | 2,489 |
| Average equity | $24,838,000 | 2,560 |
| Average total loans | $227,087,000 | 1,880 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 1,110 |
| Cost of funding earning assets | 1.7705% | 1,296 |
| Net interest margin | 4.0973% | 2,574 |
| Noninterest income to average assets | 0.4002% | 4,908 |
| Noninterest expense to average assets | 1.9807% | 7,052 |
| Loan and lease loss provision to assets | 1.0253% | 1,578 |
| Net operating income to assets | 0.6958% | 3,242 |
| Return on assets (ROA) | 0.6965% | 3,373 |
| Pretax return on assets | 0.9971% | 2,936 |
| Return on Equity (ROE) | 8.2669% | 2,594 |
| Retained earnings to average equity (ytd only) | 7.5829% | 1,123 |
| Net charge-offs to loans | 0.3829% | 4,128 |
| Credit loss provision to net charge-offs | 318.3315% | 819 |
| Earnings coverage of net charge-offs (x) | 6.2755% | 2,395 |
| Efficiency ratio | 49.4920% | 7,169 |
| Assets per employee ($millions) | 4.7223% | 2,532 |
| Cash dividends to net income (ytd only)* | 8.2741% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8667% | 986 |
| Loan loss allowance to noncurrent loans | 369.6439% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 5,664 |
| Noncurrent loans to loans | 0.7755% | 5,494 |
| Net loans and leases to total assets | 83.7846% | 322 |
| Net loans and leases to deposits | 94.1664% | 1,047 |
| Net loans and leases to core deposits | 114.4453% | 699 |
| Total domestic deposits to total assets | 88.9751% | 1,675 |
| Equity capital to assets | 9.2643% | 4,729 |
| Core capital (leverage) ratio | 8.8347% | 4,801 |
| Tier 1 risk-based capital ratio | 10.9653% | 6,352 |
| Total risk-based capital ratio | 12.2364% | 6,310 |
| Memoranda: | ||
| Average total assets | $282,832,200 | 2,266 |
| Average earning assets | $248,627,200 | 2,351 |
| Average equity | $23,830,000 | 2,671 |
| Average total loans | $237,930,200 | 1,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8319% | 1,306 |
| Cost of funding earning assets | 1.7585% | 1,596 |
| Net interest margin | 4.0734% | 2,743 |
| Noninterest income to average assets | 0.3957% | 4,994 |
| Noninterest expense to average assets | 1.9422% | 7,146 |
| Loan and lease loss provision to assets | 0.5566% | 2,722 |
| Net operating income to assets | 0.9533% | 2,404 |
| Return on assets (ROA) | 0.9542% | 2,529 |
| Pretax return on assets | 1.4644% | 1,707 |
| Return on Equity (ROE) | 11.5904% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.0269% | 602 |
| Net charge-offs to loans | 0.1719% | 4,935 |
| Credit loss provision to net charge-offs | 387.0968% | 801 |
| Earnings coverage of net charge-offs (x) | 14.0453% | 1,542 |
| Efficiency ratio | 49.0224% | 7,207 |
| Assets per employee ($millions) | 5.2417% | 1,884 |
| Cash dividends to net income (ytd only)* | 4.8614% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 1,652 |
| Loan loss allowance to noncurrent loans | 529.6981% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 6,443 |
| Noncurrent loans to loans | 0.4302% | 6,338 |
| Net loans and leases to total assets | 82.4165% | 449 |
| Net loans and leases to deposits | 94.1150% | 1,190 |
| Net loans and leases to core deposits | 123.5011% | 516 |
| Total domestic deposits to total assets | 87.5700% | 2,223 |
| Equity capital to assets | 8.7727% | 5,897 |
| Core capital (leverage) ratio | 8.5720% | 5,385 |
| Tier 1 risk-based capital ratio | 10.4003% | 6,834 |
| Total risk-based capital ratio | 11.6633% | 6,823 |
| Memoranda: | ||
| Average total assets | $287,428,750 | 2,263 |
| Average earning assets | $251,643,000 | 2,358 |
| Average equity | $23,662,750 | 2,732 |
| Average total loans | $240,386,750 | 1,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 1,406 |
| Cost of funding earning assets | 1.8294% | 1,531 |
| Net interest margin | 3.9777% | 3,127 |
| Noninterest income to average assets | 0.3732% | 5,150 |
| Noninterest expense to average assets | 1.9184% | 7,235 |
| Loan and lease loss provision to assets | 0.3462% | 3,650 |
| Net operating income to assets | 1.0489% | 2,021 |
| Return on assets (ROA) | 1.0502% | 2,089 |
| Pretax return on assets | 1.5909% | 1,324 |
| Return on Equity (ROE) | 13.0364% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.1770% | 468 |
| Net charge-offs to loans | 0.2183% | 4,293 |
| Credit loss provision to net charge-offs | 190.1141% | 2,075 |
| Earnings coverage of net charge-offs (x) | 10.6274% | 1,864 |
| Efficiency ratio | 49.7844% | 7,239 |
| Assets per employee ($millions) | 5.2563% | 1,860 |
| Cash dividends to net income (ytd only)* | 6.5920% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 2,296 |
| Loan loss allowance to noncurrent loans | 1,090.4328% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 6,950 |
| Noncurrent loans to loans | 0.1791% | 6,895 |
| Net loans and leases to total assets | 86.2881% | 209 |
| Net loans and leases to deposits | 98.4692% | 831 |
| Net loans and leases to core deposits | 141.2331% | 276 |
| Total domestic deposits to total assets | 87.6295% | 2,194 |
| Equity capital to assets | 8.6703% | 5,916 |
| Core capital (leverage) ratio | 8.4694% | 5,462 |
| Tier 1 risk-based capital ratio | 9.8145% | 7,123 |
| Total risk-based capital ratio | 11.0731% | 7,103 |
| Memoranda: | ||
| Average total assets | $288,888,330 | 2,272 |
| Average earning assets | $252,756,000 | 2,367 |
| Average equity | $23,273,330 | 2,763 |
| Average total loans | $240,942,330 | 1,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 1,570 |
| Cost of funding earning assets | 1.8256% | 1,770 |
| Net interest margin | 3.9407% | 3,148 |
| Noninterest income to average assets | 0.2503% | 6,149 |
| Noninterest expense to average assets | 1.9875% | 7,182 |
| Loan and lease loss provision to assets | 0.2721% | 3,849 |
| Net operating income to assets | 0.9482% | 2,366 |
| Return on assets (ROA) | 0.9482% | 2,433 |
| Pretax return on assets | 1.3617% | 1,874 |
| Return on Equity (ROE) | 12.2104% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.2104% | 713 |
| Net charge-offs to loans | 0.4405% | 2,727 |
| Credit loss provision to net charge-offs | 76.0456% | 3,974 |
| Earnings coverage of net charge-offs (x) | 4.5665% | 2,603 |
| Efficiency ratio | 54.8835% | 6,900 |
| Assets per employee ($millions) | 5.6379% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,500 |
| Loan loss allowance to noncurrent loans | 1,942.4242% | 184 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 5,108 |
| Noncurrent loans to loans | 0.0970% | 7,153 |
| Net loans and leases to total assets | 79.7409% | 870 |
| Net loans and leases to deposits | 93.7012% | 1,383 |
| Net loans and leases to core deposits | 145.6107% | 272 |
| Total domestic deposits to total assets | 85.1012% | 3,609 |
| Equity capital to assets | 7.9104% | 6,746 |
| Core capital (leverage) ratio | 7.8831% | 6,399 |
| Tier 1 risk-based capital ratio | 9.5437% | 7,284 |
| Total risk-based capital ratio | 10.8014% | 7,272 |
| Memoranda: | ||
| Average total assets | $294,041,500 | 2,281 |
| Average earning assets | $251,531,000 | 2,433 |
| Average equity | $22,833,000 | 2,832 |
| Average total loans | $238,828,500 | 1,932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7868% | 2,711 |
| Cost of funding earning assets | 2.1740% | 2,141 |
| Net interest margin | 3.6129% | 4,506 |
| Noninterest income to average assets | 0.2324% | 6,451 |
| Noninterest expense to average assets | 2.0274% | 7,327 |
| Loan and lease loss provision to assets | 1.1336% | 2,011 |
| Net operating income to assets | 0.3988% | 4,131 |
| Return on assets (ROA) | 0.4493% | 4,051 |
| Pretax return on assets | 0.4391% | 4,374 |
| Return on Equity (ROE) | 5.3776% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.0839% | 2,362 |
| Net charge-offs to loans | 0.2251% | 5,212 |
| Credit loss provision to net charge-offs | 583.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,056 |
| Efficiency ratio | 57.1141% | 6,879 |
| Assets per employee ($millions) | 5.3620% | 1,779 |
| Cash dividends to net income (ytd only)* | 24.0570% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,261 |
| Loan loss allowance to noncurrent loans | 156.6804% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 5,057 |
| Noncurrent loans to loans | 1.2131% | 4,928 |
| Net loans and leases to total assets | 79.6315% | 1,059 |
| Net loans and leases to deposits | 93.3966% | 1,677 |
| Net loans and leases to core deposits | 140.1080% | 812 |
| Total domestic deposits to total assets | 85.2617% | 3,427 |
| Equity capital to assets | 7.6209% | 6,930 |
| Core capital (leverage) ratio | 7.9156% | 6,311 |
| Tier 1 risk-based capital ratio | 9.1980% | 7,375 |
| Total risk-based capital ratio | 10.4557% | 7,374 |
| Memoranda: | ||
| Average total assets | $265,516,800 | 2,466 |
| Average earning assets | $243,795,600 | 2,466 |
| Average equity | $22,184,600 | 2,931 |
| Average total loans | $229,195,000 | 2,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 3,151 |
| Cost of funding earning assets | 2.2367% | 2,247 |
| Net interest margin | 3.5011% | 4,863 |
| Noninterest income to average assets | 0.2376% | 6,527 |
| Noninterest expense to average assets | 2.0926% | 7,213 |
| Loan and lease loss provision to assets | 0.3873% | 3,997 |
| Net operating income to assets | 0.6224% | 3,528 |
| Return on assets (ROA) | 0.6667% | 3,390 |
| Pretax return on assets | 1.1073% | 2,540 |
| Return on Equity (ROE) | 7.7844% | 2,734 |
| Retained earnings to average equity (ytd only) | 6.9583% | 1,521 |
| Net charge-offs to loans | 0.2447% | 4,514 |
| Credit loss provision to net charge-offs | 180.2885% | 2,536 |
| Earnings coverage of net charge-offs (x) | 6.6347% | 2,562 |
| Efficiency ratio | 59.4833% | 6,482 |
| Assets per employee ($millions) | 4.9242% | 2,236 |
| Cash dividends to net income (ytd only)* | 10.6118% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,294 |
| Loan loss allowance to noncurrent loans | 78.6961% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 4,632 |
| Noncurrent loans to loans | 1.2702% | 4,816 |
| Net loans and leases to total assets | 87.3977% | 240 |
| Net loans and leases to deposits | 105.1234% | 701 |
| Net loans and leases to core deposits | 158.2230% | 412 |
| Total domestic deposits to total assets | 83.1382% | 4,154 |
| Equity capital to assets | 8.4156% | 6,366 |
| Core capital (leverage) ratio | 8.5301% | 5,431 |
| Tier 1 risk-based capital ratio | 9.2689% | 7,504 |
| Total risk-based capital ratio | 10.2576% | 7,633 |
| Memoranda: | ||
| Average total assets | $258,168,250 | 2,545 |
| Average earning assets | $241,899,250 | 2,499 |
| Average equity | $22,112,000 | 2,962 |
| Average total loans | $226,645,750 | 2,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 3,883 |
| Cost of funding earning assets | 2.3097% | 2,320 |
| Net interest margin | 3.3262% | 5,453 |
| Noninterest income to average assets | 0.2560% | 6,443 |
| Noninterest expense to average assets | 2.1642% | 7,138 |
| Loan and lease loss provision to assets | 0.1969% | 5,088 |
| Net operating income to assets | 0.7322% | 3,127 |
| Return on assets (ROA) | 0.7490% | 3,155 |
| Pretax return on assets | 1.0498% | 2,808 |
| Return on Equity (ROE) | 8.6908% | 2,472 |
| Retained earnings to average equity (ytd only) | 7.4388% | 1,417 |
| Net charge-offs to loans | 0.3587% | 3,386 |
| Credit loss provision to net charge-offs | 62.6566% | 5,549 |
| Earnings coverage of net charge-offs (x) | 3.8922% | 3,284 |
| Efficiency ratio | 63.8921% | 5,936 |
| Assets per employee ($millions) | 4.6965% | 2,469 |
| Cash dividends to net income (ytd only)* | 14.4059% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 7,093 |
| Loan loss allowance to noncurrent loans | 58.9308% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4994% | 3,984 |
| Noncurrent loans to loans | 1.3889% | 4,434 |
| Net loans and leases to total assets | 89.4587% | 155 |
| Net loans and leases to deposits | 112.8205% | 451 |
| Net loans and leases to core deposits | 158.1227% | 484 |
| Total domestic deposits to total assets | 79.2929% | 5,721 |
| Equity capital to assets | 8.6114% | 5,881 |
| Core capital (leverage) ratio | 8.8376% | 4,885 |
| Tier 1 risk-based capital ratio | 9.4861% | 7,399 |
| Total risk-based capital ratio | 10.3060% | 7,679 |
| Memoranda: | ||
| Average total assets | $253,947,330 | 2,589 |
| Average earning assets | $239,074,000 | 2,531 |
| Average equity | $21,885,330 | 2,984 |
| Average total loans | $222,497,670 | 2,140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 5,709 |
| Cost of funding earning assets | 2.4102% | 2,253 |
| Net interest margin | 2.9295% | 6,672 |
| Noninterest income to average assets | 0.4226% | 5,020 |
| Noninterest expense to average assets | 2.0289% | 7,284 |
| Loan and lease loss provision to assets | 0.1589% | 4,899 |
| Net operating income to assets | 0.7308% | 3,421 |
| Return on assets (ROA) | 0.7308% | 3,616 |
| Pretax return on assets | 0.9866% | 3,399 |
| Return on Equity (ROE) | 8.4769% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.4769% | 1,642 |
| Net charge-offs to loans | 0.7309% | 1,724 |
| Credit loss provision to net charge-offs | 25.1889% | 5,007 |
| Earnings coverage of net charge-offs (x) | 1.8161% | 3,819 |
| Efficiency ratio | 63.9139% | 5,705 |
| Assets per employee ($millions) | 4.2989% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 7,049 |
| Loan loss allowance to noncurrent loans | 47.7341% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.8875% | 3,077 |
| Noncurrent loans to loans | 1.7363% | 3,660 |
| Net loans and leases to total assets | 87.4272% | 309 |
| Net loans and leases to deposits | 110.6751% | 585 |
| Net loans and leases to core deposits | 150.8021% | 680 |
| Total domestic deposits to total assets | 78.9944% | 5,727 |
| Equity capital to assets | 9.1268% | 5,189 |
| Core capital (leverage) ratio | 8.7449% | 5,072 |
| Tier 1 risk-based capital ratio | 10.4246% | 6,470 |
| Total risk-based capital ratio | 11.2691% | 6,807 |
| Memoranda: | ||
| Average total assets | $251,767,000 | 2,623 |
| Average earning assets | $236,492,000 | 2,566 |
| Average equity | $21,706,000 | 3,019 |
| Average total loans | $217,253,500 | 2,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3168% | 3,872 |
| Cost of funding earning assets | 3.0913% | 1,528 |
| Net interest margin | 3.2255% | 6,287 |
| Noninterest income to average assets | 0.2002% | 7,020 |
| Noninterest expense to average assets | 2.0323% | 7,383 |
| Loan and lease loss provision to assets | 0.3993% | 3,295 |
| Net operating income to assets | 0.5921% | 4,336 |
| Return on assets (ROA) | 0.5921% | 4,205 |
| Pretax return on assets | 0.7715% | 4,174 |
| Return on Equity (ROE) | 6.9154% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.5380% | 1,748 |
| Net charge-offs to loans | 0.4392% | 2,634 |
| Credit loss provision to net charge-offs | 105.8632% | 5,060 |
| Earnings coverage of net charge-offs (x) | 3.1042% | 4,539 |
| Efficiency ratio | 63.4492% | 5,682 |
| Assets per employee ($millions) | 4.7781% | 2,207 |
| Cash dividends to net income (ytd only)* | 19.9170% | 4,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,529 |
| Loan loss allowance to noncurrent loans | 79.1683% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 4,235 |
| Noncurrent loans to loans | 1.1684% | 4,190 |
| Net loans and leases to total assets | 83.7994% | 923 |
| Net loans and leases to deposits | 102.5658% | 1,524 |
| Net loans and leases to core deposits | 132.8886% | 1,663 |
| Total domestic deposits to total assets | 81.7031% | 4,318 |
| Equity capital to assets | 8.1585% | 6,619 |
| Core capital (leverage) ratio | 8.4654% | 5,632 |
| Tier 1 risk-based capital ratio | 9.9610% | 6,777 |
| Total risk-based capital ratio | 10.9246% | 7,010 |
| Memoranda: | ||
| Average total assets | $244,202,600 | 2,609 |
| Average earning assets | $227,347,600 | 2,575 |
| Average equity | $20,910,000 | 3,104 |
| Average total loans | $209,708,600 | 2,206 |