Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 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 | 4.4238% | 2,555 |
| Cost of funding earning assets | 0.3730% | 4,029 |
| Net interest margin | 4.0508% | 1,792 |
| Noninterest income to average assets | 0.5231% | 2,723 |
| Noninterest expense to average assets | 3.1087% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1833% | 2,303 |
| Return on assets (ROA) | 1.1841% | 2,300 |
| Pretax return on assets | 1.1841% | 3,049 |
| Return on Equity (ROE) | 13.4802% | 1,271 |
| Retained earnings to average equity (ytd only) | -0.6372% | 5,108 |
| Net charge-offs to loans | 0.0789% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 21.5712% | 1,915 |
| Efficiency ratio | 72.4309% | 1,821 |
| Assets per employee ($millions) | 5.3609% | 2,069 |
| Cash dividends to net income (ytd only)* | 104.7270% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,854 |
| Loan loss allowance to noncurrent loans | 55.3120% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 1,068 |
| Noncurrent loans to loans | 1.7846% | 864 |
| Net loans and leases to total assets | 69.5014% | 2,726 |
| Net loans and leases to deposits | 77.4624% | 3,284 |
| Net loans and leases to core deposits | 80.7825% | 3,432 |
| Total domestic deposits to total assets | 89.7228% | 593 |
| Equity capital to assets | 8.6671% | 4,818 |
| Core capital (leverage) ratio | 9.4440% | 4,238 |
| Tier 1 risk-based capital ratio | 13.0901% | 3,852 |
| Total risk-based capital ratio | 14.0545% | 3,919 |
| Memoranda: | ||
| Average total assets | $476,410,750 | 1,468 |
| Average earning assets | $443,256,250 | 1,477 |
| Average equity | $41,848,000 | 1,795 |
| Average total loans | $331,369,500 | 1,475 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,461 |
| Cost of funding earning assets | 0.3679% | 3,953 |
| Net interest margin | 4.0201% | 1,790 |
| Noninterest income to average assets | 0.5208% | 2,746 |
| Noninterest expense to average assets | 3.1090% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1525% | 2,386 |
| Return on assets (ROA) | 1.1538% | 2,380 |
| Pretax return on assets | 1.1538% | 3,119 |
| Return on Equity (ROE) | 13.0769% | 1,346 |
| Retained earnings to average equity (ytd only) | -4.5891% | 5,270 |
| Net charge-offs to loans | 0.0927% | 1,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.9346% | 1,930 |
| Efficiency ratio | 72.9549% | 1,853 |
| Assets per employee ($millions) | 4.9649% | 2,467 |
| Cash dividends to net income (ytd only)* | 135.0928% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,734 |
| Loan loss allowance to noncurrent loans | 58.2435% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,172 |
| Noncurrent loans to loans | 1.7470% | 908 |
| Net loans and leases to total assets | 68.3529% | 2,819 |
| Net loans and leases to deposits | 77.2690% | 3,230 |
| Net loans and leases to core deposits | 80.6099% | 3,363 |
| Total domestic deposits to total assets | 88.4610% | 1,162 |
| Equity capital to assets | 8.6387% | 4,851 |
| Core capital (leverage) ratio | 9.2361% | 4,433 |
| Tier 1 risk-based capital ratio | 13.0239% | 3,881 |
| Total risk-based capital ratio | 14.0126% | 3,933 |
| Memoranda: | ||
| Average total assets | $476,173,000 | 1,480 |
| Average earning assets | $443,071,000 | 1,476 |
| Average equity | $42,013,000 | 1,791 |
| Average total loans | $330,188,000 | 1,482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,952 |
| Cost of funding earning assets | 0.3538% | 3,959 |
| Net interest margin | 3.8255% | 2,316 |
| Noninterest income to average assets | 0.5328% | 2,618 |
| Noninterest expense to average assets | 3.0247% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0699% | 2,565 |
| Return on assets (ROA) | 1.0724% | 2,566 |
| Pretax return on assets | 1.0724% | 3,271 |
| Return on Equity (ROE) | 12.0287% | 1,571 |
| Retained earnings to average equity (ytd only) | -15.3940% | 5,461 |
| Net charge-offs to loans | -0.0302% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8711% | 1,914 |
| Assets per employee ($millions) | 4.7098% | 2,845 |
| Cash dividends to net income (ytd only)* | 227.9781% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,577 |
| Loan loss allowance to noncurrent loans | 42.0933% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7823% | 685 |
| Noncurrent loans to loans | 2.5281% | 536 |
| Net loans and leases to total assets | 68.2571% | 2,735 |
| Net loans and leases to deposits | 77.7695% | 3,044 |
| Net loans and leases to core deposits | 81.3045% | 3,210 |
| Total domestic deposits to total assets | 87.7684% | 1,747 |
| Equity capital to assets | 8.5143% | 4,969 |
| Core capital (leverage) ratio | 9.0989% | 4,570 |
| Tier 1 risk-based capital ratio | 12.7321% | 4,099 |
| Total risk-based capital ratio | 13.7657% | 4,134 |
| Memoranda: | ||
| Average total assets | $475,942,500 | 1,489 |
| Average earning assets | $443,127,500 | 1,479 |
| Average equity | $42,432,000 | 1,776 |
| Average total loans | $330,711,000 | 1,485 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,058 |
| Cost of funding earning assets | 0.2731% | 4,376 |
| Net interest margin | 3.8268% | 2,332 |
| Noninterest income to average assets | 0.6854% | 2,029 |
| Noninterest expense to average assets | 3.1709% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0617% | 2,012 |
| Return on assets (ROA) | 1.0707% | 1,998 |
| Pretax return on assets | 1.0707% | 3,301 |
| Return on Equity (ROE) | 11.6378% | 1,308 |
| Retained earnings to average equity (ytd only) | 4.6477% | 2,356 |
| Net charge-offs to loans | 0.0399% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 39.5280% | 1,271 |
| Efficiency ratio | 74.9162% | 1,775 |
| Assets per employee ($millions) | 4.6224% | 2,995 |
| Cash dividends to net income (ytd only)* | 60.0642% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,547 |
| Loan loss allowance to noncurrent loans | 39.6827% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.9256% | 607 |
| Noncurrent loans to loans | 2.6744% | 469 |
| Net loans and leases to total assets | 69.2463% | 2,638 |
| Net loans and leases to deposits | 79.8193% | 2,937 |
| Net loans and leases to core deposits | 83.6013% | 3,091 |
| Total domestic deposits to total assets | 86.7539% | 2,110 |
| Equity capital to assets | 9.3240% | 4,403 |
| Core capital (leverage) ratio | 9.5795% | 3,936 |
| Tier 1 risk-based capital ratio | 13.1325% | 3,826 |
| Total risk-based capital ratio | 14.1524% | 3,870 |
| Memoranda: | ||
| Average total assets | $465,389,800 | 1,493 |
| Average earning assets | $431,384,200 | 1,499 |
| Average equity | $42,817,200 | 1,741 |
| Average total loans | $313,242,200 | 1,518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,100 |
| Cost of funding earning assets | 0.2551% | 4,520 |
| Net interest margin | 3.8130% | 2,350 |
| Noninterest income to average assets | 0.6941% | 2,028 |
| Noninterest expense to average assets | 3.1037% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1178% | 2,000 |
| Return on assets (ROA) | 1.1299% | 2,019 |
| Pretax return on assets | 1.1299% | 3,185 |
| Return on Equity (ROE) | 12.3232% | 1,236 |
| Retained earnings to average equity (ytd only) | 3.2540% | 3,988 |
| Net charge-offs to loans | 0.0384% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 43.6980% | 1,221 |
| Efficiency ratio | 73.5208% | 1,971 |
| Assets per employee ($millions) | 4.5049% | 3,135 |
| Cash dividends to net income (ytd only)* | 73.5946% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,319 |
| Loan loss allowance to noncurrent loans | 38.8663% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 627 |
| Noncurrent loans to loans | 2.9050% | 456 |
| Net loans and leases to total assets | 66.7700% | 3,009 |
| Net loans and leases to deposits | 77.3300% | 3,240 |
| Net loans and leases to core deposits | 80.5954% | 3,402 |
| Total domestic deposits to total assets | 86.3443% | 2,151 |
| Equity capital to assets | 9.4605% | 4,480 |
| Core capital (leverage) ratio | 9.4697% | 4,203 |
| Tier 1 risk-based capital ratio | 13.3846% | 3,777 |
| Total risk-based capital ratio | 14.4574% | 3,789 |
| Memoranda: | ||
| Average total assets | $463,866,750 | 1,506 |
| Average earning assets | $429,112,250 | 1,521 |
| Average equity | $42,531,250 | 1,764 |
| Average total loans | $309,056,250 | 1,536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,099 |
| Cost of funding earning assets | 0.2294% | 4,722 |
| Net interest margin | 3.7983% | 2,295 |
| Noninterest income to average assets | 0.7529% | 1,764 |
| Noninterest expense to average assets | 3.0891% | 1,862 |
| Loan and lease loss provision to assets | 0.0595% | 2,778 |
| Net operating income to assets | 1.1168% | 1,899 |
| Return on assets (ROA) | 1.1349% | 1,888 |
| Pretax return on assets | 1.1349% | 3,034 |
| Return on Equity (ROE) | 12.5107% | 1,160 |
| Retained earnings to average equity (ytd only) | 2.0439% | 4,438 |
| Net charge-offs to loans | 0.0143% | 2,960 |
| Credit loss provision to net charge-offs | 627.2727% | 541 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 564 |
| Efficiency ratio | 72.4222% | 2,275 |
| Assets per employee ($millions) | 4.6524% | 2,859 |
| Cash dividends to net income (ytd only)* | 83.6626% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,922 |
| Loan loss allowance to noncurrent loans | 57.8695% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 1,060 |
| Noncurrent loans to loans | 2.1015% | 787 |
| Net loans and leases to total assets | 65.3524% | 3,199 |
| Net loans and leases to deposits | 75.7528% | 3,374 |
| Net loans and leases to core deposits | 79.0231% | 3,503 |
| Total domestic deposits to total assets | 86.2706% | 2,259 |
| Equity capital to assets | 9.3681% | 4,546 |
| Core capital (leverage) ratio | 9.4045% | 4,226 |
| Tier 1 risk-based capital ratio | 13.3009% | 3,798 |
| Total risk-based capital ratio | 14.4448% | 3,782 |
| Memoranda: | ||
| Average total assets | $463,821,330 | 1,509 |
| Average earning assets | $428,930,000 | 1,521 |
| Average equity | $42,076,000 | 1,778 |
| Average total loans | $307,624,000 | 1,540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 3,132 |
| Cost of funding earning assets | 0.1966% | 5,008 |
| Net interest margin | 3.7773% | 2,194 |
| Noninterest income to average assets | 0.5977% | 2,426 |
| Noninterest expense to average assets | 3.0679% | 1,961 |
| Loan and lease loss provision to assets | 0.0596% | 2,611 |
| Net operating income to assets | 0.9708% | 2,432 |
| Return on assets (ROA) | 1.0071% | 2,324 |
| Pretax return on assets | 1.0071% | 3,343 |
| Return on Equity (ROE) | 11.2870% | 1,470 |
| Retained earnings to average equity (ytd only) | -5.2272% | 5,401 |
| Net charge-offs to loans | 0.0312% | 2,144 |
| Credit loss provision to net charge-offs | 287.5000% | 812 |
| Earnings coverage of net charge-offs (x) | 49.7083% | 899 |
| Efficiency ratio | 74.8577% | 2,090 |
| Assets per employee ($millions) | 4.7063% | 2,835 |
| Cash dividends to net income (ytd only)* | 146.3122% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,106 |
| Loan loss allowance to noncurrent loans | 64.4098% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 1,309 |
| Noncurrent loans to loans | 1.8705% | 988 |
| Net loans and leases to total assets | 64.6269% | 3,177 |
| Net loans and leases to deposits | 75.0786% | 3,294 |
| Net loans and leases to core deposits | 78.3390% | 3,441 |
| Total domestic deposits to total assets | 86.0789% | 2,633 |
| Equity capital to assets | 8.8986% | 4,910 |
| Core capital (leverage) ratio | 9.2334% | 4,429 |
| Tier 1 risk-based capital ratio | 13.0525% | 4,047 |
| Total risk-based capital ratio | 14.1790% | 4,018 |
| Memoranda: | ||
| Average total assets | $463,114,000 | 1,521 |
| Average earning assets | $429,201,000 | 1,527 |
| Average equity | $41,322,000 | 1,805 |
| Average total loans | $307,543,000 | 1,543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,371 |
| Cost of funding earning assets | 0.2030% | 4,986 |
| Net interest margin | 3.7501% | 2,503 |
| Noninterest income to average assets | 0.6367% | 2,475 |
| Noninterest expense to average assets | 3.0878% | 2,075 |
| Loan and lease loss provision to assets | 0.1113% | 2,204 |
| Net operating income to assets | 0.9370% | 2,644 |
| Return on assets (ROA) | 1.0031% | 2,443 |
| Pretax return on assets | 1.0031% | 3,467 |
| Return on Equity (ROE) | 10.6313% | 1,716 |
| Retained earnings to average equity (ytd only) | 1.4416% | 4,685 |
| Net charge-offs to loans | 0.0442% | 3,153 |
| Credit loss provision to net charge-offs | 390.6250% | 810 |
| Earnings coverage of net charge-offs (x) | 36.7891% | 1,251 |
| Efficiency ratio | 74.6555% | 2,190 |
| Assets per employee ($millions) | 4.6969% | 2,794 |
| Cash dividends to net income (ytd only)* | 86.4403% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,316 |
| Loan loss allowance to noncurrent loans | 67.9341% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 1,376 |
| Noncurrent loans to loans | 1.7206% | 1,121 |
| Net loans and leases to total assets | 66.6244% | 2,988 |
| Net loans and leases to deposits | 78.0271% | 3,100 |
| Net loans and leases to core deposits | 81.4621% | 3,260 |
| Total domestic deposits to total assets | 85.3863% | 2,884 |
| Equity capital to assets | 8.9470% | 4,867 |
| Core capital (leverage) ratio | 9.2878% | 4,367 |
| Tier 1 risk-based capital ratio | 12.7617% | 4,224 |
| Total risk-based capital ratio | 13.8357% | 4,227 |
| Memoranda: | ||
| Average total assets | $449,215,000 | 1,512 |
| Average earning assets | $419,189,000 | 1,503 |
| Average equity | $42,384,200 | 1,745 |
| Average total loans | $289,858,800 | 1,565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 3,492 |
| Cost of funding earning assets | 0.2018% | 5,050 |
| Net interest margin | 3.7276% | 2,604 |
| Noninterest income to average assets | 0.6752% | 2,287 |
| Noninterest expense to average assets | 2.9790% | 2,376 |
| Loan and lease loss provision to assets | 0.1120% | 2,055 |
| Net operating income to assets | 1.0707% | 2,116 |
| Return on assets (ROA) | 1.1370% | 1,961 |
| Pretax return on assets | 1.1370% | 3,090 |
| Return on Equity (ROE) | 11.8916% | 1,363 |
| Retained earnings to average equity (ytd only) | 0.0375% | 5,335 |
| Net charge-offs to loans | 0.0370% | 2,886 |
| Credit loss provision to net charge-offs | 474.6835% | 741 |
| Earnings coverage of net charge-offs (x) | 50.1269% | 1,068 |
| Efficiency ratio | 71.5823% | 2,634 |
| Assets per employee ($millions) | 4.6765% | 2,788 |
| Cash dividends to net income (ytd only)* | 99.6848% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,352 |
| Loan loss allowance to noncurrent loans | 64.9771% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,350 |
| Noncurrent loans to loans | 1.8207% | 1,127 |
| Net loans and leases to total assets | 64.0655% | 3,391 |
| Net loans and leases to deposits | 77.1187% | 3,274 |
| Net loans and leases to core deposits | 80.4411% | 3,403 |
| Total domestic deposits to total assets | 83.0738% | 3,558 |
| Equity capital to assets | 9.4905% | 4,668 |
| Core capital (leverage) ratio | 9.2589% | 4,520 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,262 |
| Total risk-based capital ratio | 13.8996% | 4,281 |
| Memoranda: | ||
| Average total assets | $446,443,500 | 1,522 |
| Average earning assets | $417,555,000 | 1,509 |
| Average equity | $42,684,500 | 1,741 |
| Average total loans | $284,748,500 | 1,592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,467 |
| Cost of funding earning assets | 0.2008% | 5,133 |
| Net interest margin | 3.7392% | 2,556 |
| Noninterest income to average assets | 0.7053% | 2,124 |
| Noninterest expense to average assets | 2.9936% | 2,371 |
| Loan and lease loss provision to assets | 0.0680% | 2,779 |
| Net operating income to assets | 1.1326% | 1,841 |
| Return on assets (ROA) | 1.2106% | 1,658 |
| Pretax return on assets | 1.2106% | 2,746 |
| Return on Equity (ROE) | 12.6293% | 1,126 |
| Retained earnings to average equity (ytd only) | -2.6877% | 5,594 |
| Net charge-offs to loans | 0.0565% | 2,384 |
| Credit loss provision to net charge-offs | 189.8734% | 1,351 |
| Earnings coverage of net charge-offs (x) | 33.5063% | 1,306 |
| Efficiency ratio | 71.3745% | 2,764 |
| Assets per employee ($millions) | 4.4742% | 3,077 |
| Cash dividends to net income (ytd only)* | 121.2814% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,647 |
| Loan loss allowance to noncurrent loans | 171.6202% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 2,921 |
| Noncurrent loans to loans | 0.6700% | 3,060 |
| Net loans and leases to total assets | 63.9074% | 3,376 |
| Net loans and leases to deposits | 75.8572% | 3,400 |
| Net loans and leases to core deposits | 79.0948% | 3,544 |
| Total domestic deposits to total assets | 84.2470% | 3,176 |
| Equity capital to assets | 9.6581% | 4,606 |
| Core capital (leverage) ratio | 9.4525% | 4,267 |
| Tier 1 risk-based capital ratio | 13.1112% | 4,132 |
| Total risk-based capital ratio | 14.1527% | 4,172 |
| Memoranda: | ||
| Average total assets | $440,934,670 | 1,537 |
| Average earning assets | $411,419,670 | 1,530 |
| Average equity | $42,266,670 | 1,753 |
| Average total loans | $279,613,000 | 1,620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 3,462 |
| Cost of funding earning assets | 0.2026% | 5,179 |
| Net interest margin | 3.7290% | 2,560 |
| Noninterest income to average assets | 0.6708% | 2,170 |
| Noninterest expense to average assets | 2.9445% | 2,558 |
| Loan and lease loss provision to assets | 0.0685% | 2,582 |
| Net operating income to assets | 1.1232% | 1,821 |
| Return on assets (ROA) | 1.1323% | 1,889 |
| Pretax return on assets | 1.1323% | 2,963 |
| Return on Equity (ROE) | 11.8582% | 1,354 |
| Retained earnings to average equity (ytd only) | -14.9017% | 5,905 |
| Net charge-offs to loans | 0.0408% | 2,186 |
| Credit loss provision to net charge-offs | 267.8571% | 909 |
| Earnings coverage of net charge-offs (x) | 46.5714% | 925 |
| Efficiency ratio | 71.1887% | 2,918 |
| Assets per employee ($millions) | 4.7113% | 2,724 |
| Cash dividends to net income (ytd only)* | 225.6659% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,633 |
| Loan loss allowance to noncurrent loans | 156.2707% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 2,725 |
| Noncurrent loans to loans | 0.7518% | 2,955 |
| Net loans and leases to total assets | 62.7143% | 3,425 |
| Net loans and leases to deposits | 73.6808% | 3,471 |
| Net loans and leases to core deposits | 76.8779% | 3,596 |
| Total domestic deposits to total assets | 85.1162% | 3,084 |
| Equity capital to assets | 9.3891% | 4,781 |
| Core capital (leverage) ratio | 9.3697% | 4,398 |
| Tier 1 risk-based capital ratio | 13.0377% | 4,243 |
| Total risk-based capital ratio | 14.0892% | 4,277 |
| Memoranda: | ||
| Average total assets | $437,692,500 | 1,554 |
| Average earning assets | $406,753,000 | 1,542 |
| Average equity | $41,794,000 | 1,770 |
| Average total loans | $274,789,500 | 1,641 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,480 |
| Cost of funding earning assets | 0.2171% | 5,123 |
| Net interest margin | 3.7405% | 2,602 |
| Noninterest income to average assets | 0.5282% | 3,149 |
| Noninterest expense to average assets | 2.7931% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1606% | 1,696 |
| Return on assets (ROA) | 1.1917% | 1,658 |
| Pretax return on assets | 1.1917% | 2,690 |
| Return on Equity (ROE) | 12.8439% | 1,091 |
| Retained earnings to average equity (ytd only) | 7.0889% | 1,243 |
| Net charge-offs to loans | 0.2912% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.5808% | 3,202 |
| Efficiency ratio | 70.6448% | 3,119 |
| Assets per employee ($millions) | 4.7530% | 2,667 |
| Cash dividends to net income (ytd only)* | 44.8075% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,405 |
| Loan loss allowance to noncurrent loans | 145.8333% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 2,617 |
| Noncurrent loans to loans | 0.8312% | 2,710 |
| Net loans and leases to total assets | 61.3341% | 3,645 |
| Net loans and leases to deposits | 72.2576% | 3,688 |
| Net loans and leases to core deposits | 75.3666% | 3,813 |
| Total domestic deposits to total assets | 84.8826% | 3,143 |
| Equity capital to assets | 9.7121% | 4,284 |
| Core capital (leverage) ratio | 9.7263% | 3,873 |
| Tier 1 risk-based capital ratio | 14.1597% | 3,631 |
| Total risk-based capital ratio | 15.2441% | 3,644 |
| Memoranda: | ||
| Average total assets | $431,488,200 | 1,548 |
| Average earning assets | $395,165,400 | 1,545 |
| Average equity | $40,034,600 | 1,800 |
| Average total loans | $261,303,200 | 1,663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,611 |
| Cost of funding earning assets | 0.2203% | 5,181 |
| Net interest margin | 3.7139% | 2,703 |
| Noninterest income to average assets | 0.5259% | 3,196 |
| Noninterest expense to average assets | 2.7966% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1282% | 1,901 |
| Return on assets (ROA) | 1.1298% | 1,970 |
| Pretax return on assets | 1.1298% | 3,100 |
| Return on Equity (ROE) | 12.3209% | 1,291 |
| Retained earnings to average equity (ytd only) | 4.5521% | 3,232 |
| Net charge-offs to loans | 0.3098% | 864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.0514% | 3,113 |
| Efficiency ratio | 71.2541% | 3,003 |
| Assets per employee ($millions) | 4.7174% | 2,670 |
| Cash dividends to net income (ytd only)* | 63.0541% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 3,121 |
| Loan loss allowance to noncurrent loans | 145.6679% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 2,668 |
| Noncurrent loans to loans | 0.8894% | 2,755 |
| Net loans and leases to total assets | 59.2675% | 3,970 |
| Net loans and leases to deposits | 70.0229% | 3,983 |
| Net loans and leases to core deposits | 73.0957% | 4,096 |
| Total domestic deposits to total assets | 84.6402% | 3,160 |
| Equity capital to assets | 9.3507% | 4,938 |
| Core capital (leverage) ratio | 9.4983% | 4,305 |
| Tier 1 risk-based capital ratio | 13.9025% | 3,903 |
| Total risk-based capital ratio | 15.0595% | 3,902 |
| Memoranda: | ||
| Average total assets | $431,230,000 | 1,554 |
| Average earning assets | $394,650,750 | 1,561 |
| Average equity | $39,541,500 | 1,831 |
| Average total loans | $259,494,500 | 1,684 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 3,799 |
| Cost of funding earning assets | 0.2328% | 5,117 |
| Net interest margin | 3.6379% | 2,950 |
| Noninterest income to average assets | 0.5267% | 3,191 |
| Noninterest expense to average assets | 2.7980% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0524% | 2,131 |
| Return on assets (ROA) | 1.0249% | 2,378 |
| Pretax return on assets | 1.0249% | 3,479 |
| Return on Equity (ROE) | 11.2529% | 1,601 |
| Retained earnings to average equity (ytd only) | 0.8451% | 5,225 |
| Net charge-offs to loans | 0.4896% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.5696% | 3,173 |
| Efficiency ratio | 72.6678% | 2,903 |
| Assets per employee ($millions) | 4.7482% | 2,605 |
| Cash dividends to net income (ytd only)* | 92.4898% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,220 |
| Loan loss allowance to noncurrent loans | 104.1872% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2484% | 2,015 |
| Noncurrent loans to loans | 1.2520% | 2,154 |
| Net loans and leases to total assets | 59.9158% | 3,850 |
| Net loans and leases to deposits | 70.3680% | 3,887 |
| Net loans and leases to core deposits | 73.4134% | 4,004 |
| Total domestic deposits to total assets | 85.1463% | 3,067 |
| Equity capital to assets | 9.0598% | 5,180 |
| Core capital (leverage) ratio | 9.2399% | 4,635 |
| Tier 1 risk-based capital ratio | 13.7035% | 4,094 |
| Total risk-based capital ratio | 14.8678% | 4,078 |
| Memoranda: | ||
| Average total assets | $428,734,670 | 1,572 |
| Average earning assets | $391,712,670 | 1,578 |
| Average equity | $39,047,670 | 1,860 |
| Average total loans | $258,183,000 | 1,695 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,712 |
| Cost of funding earning assets | 0.2435% | 5,092 |
| Net interest margin | 3.6335% | 2,883 |
| Noninterest income to average assets | 0.5328% | 3,070 |
| Noninterest expense to average assets | 2.8559% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9855% | 2,329 |
| Return on assets (ROA) | 0.9985% | 2,407 |
| Pretax return on assets | 0.9985% | 3,515 |
| Return on Equity (ROE) | 10.9350% | 1,652 |
| Retained earnings to average equity (ytd only) | -5.3451% | 5,958 |
| Net charge-offs to loans | 0.8386% | 288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9593% | 2,841 |
| Efficiency ratio | 74.3453% | 2,758 |
| Assets per employee ($millions) | 5.1741% | 2,146 |
| Cash dividends to net income (ytd only)* | 148.8806% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 3,062 |
| Loan loss allowance to noncurrent loans | 187.3854% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 2,705 |
| Noncurrent loans to loans | 0.7313% | 3,431 |
| Net loans and leases to total assets | 57.5645% | 4,015 |
| Net loans and leases to deposits | 69.1923% | 3,841 |
| Net loans and leases to core deposits | 72.2173% | 3,943 |
| Total domestic deposits to total assets | 83.1949% | 4,120 |
| Equity capital to assets | 9.1279% | 5,159 |
| Core capital (leverage) ratio | 9.1261% | 4,815 |
| Tier 1 risk-based capital ratio | 13.8530% | 4,112 |
| Total risk-based capital ratio | 15.0802% | 4,056 |
| Memoranda: | ||
| Average total assets | $429,432,000 | 1,577 |
| Average earning assets | $391,025,500 | 1,587 |
| Average equity | $39,213,500 | 1,866 |
| Average total loans | $257,560,500 | 1,698 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 3,456 |
| Cost of funding earning assets | 0.2333% | 5,487 |
| Net interest margin | 3.8320% | 2,505 |
| Noninterest income to average assets | 0.4498% | 3,830 |
| Noninterest expense to average assets | 2.9180% | 3,088 |
| Loan and lease loss provision to assets | 0.1140% | 2,269 |
| Net operating income to assets | 0.9058% | 2,842 |
| Return on assets (ROA) | 0.9218% | 2,864 |
| Pretax return on assets | 0.9220% | 3,818 |
| Return on Equity (ROE) | 10.9422% | 1,737 |
| Retained earnings to average equity (ytd only) | 8.3342% | 894 |
| Net charge-offs to loans | 0.3757% | 1,149 |
| Credit loss provision to net charge-offs | 50.1044% | 3,477 |
| Earnings coverage of net charge-offs (x) | 4.4833% | 3,641 |
| Efficiency ratio | 74.0969% | 2,817 |
| Assets per employee ($millions) | 4.5617% | 2,938 |
| Cash dividends to net income (ytd only)* | 23.8341% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,315 |
| Loan loss allowance to noncurrent loans | 138.8178% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 2,310 |
| Noncurrent loans to loans | 1.1065% | 2,617 |
| Net loans and leases to total assets | 60.6826% | 3,694 |
| Net loans and leases to deposits | 73.7843% | 3,461 |
| Net loans and leases to core deposits | 77.0545% | 3,607 |
| Total domestic deposits to total assets | 82.2433% | 4,330 |
| Equity capital to assets | 9.1352% | 5,147 |
| Core capital (leverage) ratio | 9.4405% | 4,321 |
| Tier 1 risk-based capital ratio | 13.8322% | 4,217 |
| Total risk-based capital ratio | 15.1212% | 4,127 |
| Memoranda: | ||
| Average total assets | $421,042,600 | 1,578 |
| Average earning assets | $383,270,200 | 1,585 |
| Average equity | $35,468,200 | 1,974 |
| Average total loans | $254,988,800 | 1,660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,485 |
| Cost of funding earning assets | 0.2300% | 5,589 |
| Net interest margin | 3.8399% | 2,479 |
| Noninterest income to average assets | 0.4407% | 3,953 |
| Noninterest expense to average assets | 2.8507% | 3,282 |
| Loan and lease loss provision to assets | 0.1523% | 1,631 |
| Net operating income to assets | 0.9334% | 2,761 |
| Return on assets (ROA) | 0.9547% | 2,743 |
| Pretax return on assets | 0.9550% | 3,776 |
| Return on Equity (ROE) | 11.5795% | 1,598 |
| Retained earnings to average equity (ytd only) | 8.2007% | 1,264 |
| Net charge-offs to loans | 0.3510% | 1,149 |
| Credit loss provision to net charge-offs | 71.9640% | 2,734 |
| Earnings coverage of net charge-offs (x) | 5.1319% | 3,315 |
| Efficiency ratio | 72.4130% | 3,105 |
| Assets per employee ($millions) | 4.5554% | 2,874 |
| Cash dividends to net income (ytd only)* | 29.1792% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 2,003 |
| Loan loss allowance to noncurrent loans | 127.2002% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 2,221 |
| Noncurrent loans to loans | 1.3284% | 2,427 |
| Net loans and leases to total assets | 59.1498% | 3,912 |
| Net loans and leases to deposits | 71.0048% | 3,798 |
| Net loans and leases to core deposits | 74.0292% | 3,936 |
| Total domestic deposits to total assets | 83.3039% | 4,030 |
| Equity capital to assets | 8.7376% | 5,609 |
| Core capital (leverage) ratio | 9.2486% | 4,712 |
| Tier 1 risk-based capital ratio | 13.9193% | 4,278 |
| Total risk-based capital ratio | 15.1852% | 4,209 |
| Memoranda: | ||
| Average total assets | $420,243,250 | 1,589 |
| Average earning assets | $382,607,250 | 1,603 |
| Average equity | $34,646,500 | 2,022 |
| Average total loans | $253,372,000 | 1,678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,301 |
| Cost of funding earning assets | 0.2270% | 5,686 |
| Net interest margin | 3.8818% | 2,244 |
| Noninterest income to average assets | 0.3722% | 4,458 |
| Noninterest expense to average assets | 2.8694% | 3,273 |
| Loan and lease loss provision to assets | 0.2291% | 1,001 |
| Net operating income to assets | 0.8060% | 3,295 |
| Return on assets (ROA) | 0.8332% | 3,254 |
| Pretax return on assets | 0.8337% | 4,144 |
| Return on Equity (ROE) | 10.3142% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.6762% | 801 |
| Net charge-offs to loans | 0.4176% | 978 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 4.1098% | 3,171 |
| Efficiency ratio | 73.4816% | 3,066 |
| Assets per employee ($millions) | 4.5353% | 2,871 |
| Cash dividends to net income (ytd only)* | 6.1856% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 1,981 |
| Loan loss allowance to noncurrent loans | 76.6948% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 1,552 |
| Noncurrent loans to loans | 2.2791% | 1,427 |
| Net loans and leases to total assets | 59.8945% | 3,734 |
| Net loans and leases to deposits | 71.8917% | 3,582 |
| Net loans and leases to core deposits | 74.6948% | 3,761 |
| Total domestic deposits to total assets | 83.3122% | 4,187 |
| Equity capital to assets | 8.6620% | 5,650 |
| Core capital (leverage) ratio | 9.1657% | 4,795 |
| Tier 1 risk-based capital ratio | 13.4603% | 4,612 |
| Total risk-based capital ratio | 14.7346% | 4,534 |
| Memoranda: | ||
| Average total assets | $419,107,670 | 1,592 |
| Average earning assets | $381,417,330 | 1,607 |
| Average equity | $33,856,330 | 2,050 |
| Average total loans | $252,864,330 | 1,678 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 4,116 |
| Cost of funding earning assets | 0.2273% | 5,777 |
| Net interest margin | 3.6645% | 3,004 |
| Noninterest income to average assets | 0.5990% | 2,740 |
| Noninterest expense to average assets | 2.7350% | 3,817 |
| Loan and lease loss provision to assets | 0.4571% | 344 |
| Net operating income to assets | 0.7371% | 3,503 |
| Return on assets (ROA) | 0.7923% | 3,263 |
| Pretax return on assets | 0.7933% | 4,138 |
| Return on Equity (ROE) | 10.1732% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.5129% | 1,102 |
| Net charge-offs to loans | 0.9646% | 353 |
| Credit loss provision to net charge-offs | 78.9474% | 1,906 |
| Earnings coverage of net charge-offs (x) | 2.0641% | 2,960 |
| Efficiency ratio | 69.5905% | 3,895 |
| Assets per employee ($millions) | 4.7530% | 2,594 |
| Cash dividends to net income (ytd only)* | 6.4904% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 2,228 |
| Loan loss allowance to noncurrent loans | 118.2877% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6160% | 2,181 |
| Noncurrent loans to loans | 1.4680% | 2,589 |
| Net loans and leases to total assets | 58.4040% | 3,783 |
| Net loans and leases to deposits | 69.4583% | 3,665 |
| Net loans and leases to core deposits | 72.1475% | 3,859 |
| Total domestic deposits to total assets | 84.0849% | 4,241 |
| Equity capital to assets | 7.9796% | 6,073 |
| Core capital (leverage) ratio | 8.9055% | 5,132 |
| Tier 1 risk-based capital ratio | 13.3093% | 4,818 |
| Total risk-based capital ratio | 14.5677% | 4,741 |
| Memoranda: | ||
| Average total assets | $420,036,500 | 1,597 |
| Average earning assets | $381,830,000 | 1,612 |
| Average equity | $32,713,500 | 2,104 |
| Average total loans | $252,118,500 | 1,685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,247 |
| Cost of funding earning assets | 0.2654% | 5,866 |
| Net interest margin | 3.9600% | 2,068 |
| Noninterest income to average assets | 0.3416% | 4,869 |
| Noninterest expense to average assets | 2.8551% | 3,514 |
| Loan and lease loss provision to assets | 0.9803% | 184 |
| Net operating income to assets | 0.0763% | 6,090 |
| Return on assets (ROA) | 0.0702% | 6,145 |
| Pretax return on assets | 0.0704% | 6,129 |
| Return on Equity (ROE) | 0.8670% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.2365% | 5,738 |
| Net charge-offs to loans | 1.2718% | 407 |
| Credit loss provision to net charge-offs | 125.8720% | 1,887 |
| Earnings coverage of net charge-offs (x) | 1.3570% | 4,609 |
| Efficiency ratio | 72.9847% | 3,289 |
| Assets per employee ($millions) | 4.6340% | 2,678 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 2,136 |
| Loan loss allowance to noncurrent loans | 116.7273% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 2,187 |
| Noncurrent loans to loans | 1.5229% | 2,609 |
| Net loans and leases to total assets | 59.5407% | 3,790 |
| Net loans and leases to deposits | 70.4792% | 3,724 |
| Net loans and leases to core deposits | 73.3459% | 3,914 |
| Total domestic deposits to total assets | 84.4799% | 3,974 |
| Equity capital to assets | 7.5941% | 6,237 |
| Core capital (leverage) ratio | 8.7029% | 5,413 |
| Tier 1 risk-based capital ratio | 13.1919% | 4,857 |
| Total risk-based capital ratio | 14.4396% | 4,794 |
| Memoranda: | ||
| Average total assets | $423,342,000 | 1,563 |
| Average earning assets | $381,694,600 | 1,588 |
| Average equity | $34,254,800 | 2,006 |
| Average total loans | $259,246,600 | 1,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 3,178 |
| Cost of funding earning assets | 0.2727% | 5,941 |
| Net interest margin | 3.9821% | 2,004 |
| Noninterest income to average assets | 0.4481% | 4,168 |
| Noninterest expense to average assets | 2.7795% | 3,729 |
| Loan and lease loss provision to assets | 1.1924% | 118 |
| Net operating income to assets | 0.0590% | 6,201 |
| Return on assets (ROA) | 0.0615% | 6,257 |
| Pretax return on assets | 0.0618% | 6,246 |
| Return on Equity (ROE) | 0.7488% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.1299% | 5,897 |
| Net charge-offs to loans | 1.4214% | 345 |
| Credit loss provision to net charge-offs | 136.6415% | 1,717 |
| Earnings coverage of net charge-offs (x) | 1.4344% | 4,355 |
| Efficiency ratio | 68.9499% | 3,921 |
| Assets per employee ($millions) | 4.6520% | 2,642 |
| Cash dividends to net income (ytd only)* | 82.6503% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 2,162 |
| Loan loss allowance to noncurrent loans | 89.6824% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.4279% | 1,596 |
| Noncurrent loans to loans | 2.0564% | 2,188 |
| Net loans and leases to total assets | 59.2253% | 3,820 |
| Net loans and leases to deposits | 70.4484% | 3,721 |
| Net loans and leases to core deposits | 73.3848% | 3,920 |
| Total domestic deposits to total assets | 84.0690% | 4,159 |
| Equity capital to assets | 7.6404% | 6,332 |
| Core capital (leverage) ratio | 8.6274% | 5,625 |
| Tier 1 risk-based capital ratio | 13.1348% | 5,027 |
| Total risk-based capital ratio | 14.3866% | 4,978 |
| Memoranda: | ||
| Average total assets | $424,912,750 | 1,565 |
| Average earning assets | $382,337,000 | 1,587 |
| Average equity | $34,900,500 | 1,992 |
| Average total loans | $260,854,750 | 1,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 3,004 |
| Cost of funding earning assets | 0.2774% | 6,002 |
| Net interest margin | 4.0099% | 1,823 |
| Noninterest income to average assets | 0.5410% | 3,560 |
| Noninterest expense to average assets | 2.7326% | 3,920 |
| Loan and lease loss provision to assets | 1.3583% | 105 |
| Net operating income to assets | 0.0581% | 6,227 |
| Return on assets (ROA) | 0.0618% | 6,296 |
| Pretax return on assets | 0.0623% | 6,287 |
| Return on Equity (ROE) | 0.7360% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.1338% | 5,813 |
| Net charge-offs to loans | 1.4249% | 378 |
| Credit loss provision to net charge-offs | 154.4196% | 1,498 |
| Earnings coverage of net charge-offs (x) | 1.6108% | 3,989 |
| Efficiency ratio | 65.8539% | 4,576 |
| Assets per employee ($millions) | 4.4703% | 2,863 |
| Cash dividends to net income (ytd only)* | 81.8182% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 2,413 |
| Loan loss allowance to noncurrent loans | 61.6911% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.8756% | 1,429 |
| Noncurrent loans to loans | 2.9308% | 1,527 |
| Net loans and leases to total assets | 59.6194% | 3,732 |
| Net loans and leases to deposits | 70.9610% | 3,592 |
| Net loans and leases to core deposits | 74.0402% | 3,808 |
| Total domestic deposits to total assets | 84.0172% | 4,307 |
| Equity capital to assets | 7.8371% | 6,302 |
| Core capital (leverage) ratio | 8.4942% | 5,678 |
| Tier 1 risk-based capital ratio | 13.0681% | 5,090 |
| Total risk-based capital ratio | 14.3166% | 5,036 |
| Memoranda: | ||
| Average total assets | $426,990,000 | 1,559 |
| Average earning assets | $384,247,000 | 1,578 |
| Average equity | $35,871,000 | 1,944 |
| Average total loans | $263,598,330 | 1,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,430 |
| Cost of funding earning assets | 0.2793% | 6,112 |
| Net interest margin | 3.8888% | 2,155 |
| Noninterest income to average assets | 0.5764% | 3,264 |
| Noninterest expense to average assets | 2.6664% | 4,193 |
| Loan and lease loss provision to assets | 1.0277% | 172 |
| Net operating income to assets | 0.3812% | 5,207 |
| Return on assets (ROA) | 0.3812% | 5,349 |
| Pretax return on assets | 0.3821% | 5,622 |
| Return on Equity (ROE) | 4.3912% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.8100% | 3,949 |
| Net charge-offs to loans | 0.7520% | 808 |
| Credit loss provision to net charge-offs | 219.5609% | 1,016 |
| Earnings coverage of net charge-offs (x) | 3.0120% | 2,869 |
| Efficiency ratio | 65.4137% | 4,765 |
| Assets per employee ($millions) | 4.7173% | 2,621 |
| Cash dividends to net income (ytd only)* | 13.2353% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 3,385 |
| Loan loss allowance to noncurrent loans | 51.9040% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 3.0858% | 1,438 |
| Noncurrent loans to loans | 3.0888% | 1,615 |
| Net loans and leases to total assets | 59.9486% | 3,432 |
| Net loans and leases to deposits | 71.7455% | 3,215 |
| Net loans and leases to core deposits | 74.8326% | 3,483 |
| Total domestic deposits to total assets | 83.5573% | 4,644 |
| Equity capital to assets | 8.5741% | 5,940 |
| Core capital (leverage) ratio | 8.6547% | 5,386 |
| Tier 1 risk-based capital ratio | 13.1173% | 5,134 |
| Total risk-based capital ratio | 14.3737% | 5,081 |
| Memoranda: | ||
| Average total assets | $428,148,000 | 1,574 |
| Average earning assets | $385,307,500 | 1,591 |
| Average equity | $37,165,500 | 1,908 |
| Average total loans | $266,472,500 | 1,579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 2,648 |
| Cost of funding earning assets | 0.4024% | 5,900 |
| Net interest margin | 4.2843% | 1,436 |
| Noninterest income to average assets | 0.4977% | 3,924 |
| Noninterest expense to average assets | 3.0098% | 3,236 |
| Loan and lease loss provision to assets | 1.2218% | 293 |
| Net operating income to assets | -0.0538% | 6,244 |
| Return on assets (ROA) | 0.1473% | 6,058 |
| Pretax return on assets | 0.1473% | 6,072 |
| Return on Equity (ROE) | 1.6808% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.0963% | 5,323 |
| Net charge-offs to loans | 1.9419% | 381 |
| Credit loss provision to net charge-offs | 98.4402% | 3,156 |
| Earnings coverage of net charge-offs (x) | 0.9410% | 4,999 |
| Efficiency ratio | 72.0429% | 3,408 |
| Assets per employee ($millions) | 4.4926% | 2,977 |
| Cash dividends to net income (ytd only)* | 34.7756% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,380 |
| Loan loss allowance to noncurrent loans | 39.4922% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 3.4148% | 1,338 |
| Noncurrent loans to loans | 3.4323% | 1,462 |
| Net loans and leases to total assets | 62.7259% | 3,113 |
| Net loans and leases to deposits | 74.9590% | 2,971 |
| Net loans and leases to core deposits | 78.4276% | 3,202 |
| Total domestic deposits to total assets | 83.6802% | 4,458 |
| Equity capital to assets | 8.7899% | 5,756 |
| Core capital (leverage) ratio | 8.5293% | 5,569 |
| Tier 1 risk-based capital ratio | 12.8842% | 5,193 |
| Total risk-based capital ratio | 14.1345% | 5,128 |
| Memoranda: | ||
| Average total assets | $423,549,000 | 1,553 |
| Average earning assets | $363,815,400 | 1,643 |
| Average equity | $37,124,600 | 1,871 |
| Average total loans | $270,721,000 | 1,536 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 2,560 |
| Cost of funding earning assets | 0.4377% | 5,883 |
| Net interest margin | 4.3178% | 1,422 |
| Noninterest income to average assets | 0.5926% | 3,331 |
| Noninterest expense to average assets | 2.9157% | 3,535 |
| Loan and lease loss provision to assets | 1.1481% | 327 |
| Net operating income to assets | 0.1994% | 5,919 |
| Return on assets (ROA) | 0.3174% | 5,757 |
| Pretax return on assets | 0.3174% | 5,925 |
| Return on Equity (ROE) | 3.6236% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.0382% | 4,727 |
| Net charge-offs to loans | 1.3939% | 647 |
| Credit loss provision to net charge-offs | 128.7024% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.5106% | 4,529 |
| Efficiency ratio | 68.3908% | 3,986 |
| Assets per employee ($millions) | 4.5932% | 2,755 |
| Cash dividends to net income (ytd only)* | 16.1548% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,167 |
| Loan loss allowance to noncurrent loans | 43.2123% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.8716% | 1,264 |
| Noncurrent loans to loans | 3.9262% | 1,317 |
| Net loans and leases to total assets | 60.8719% | 3,594 |
| Net loans and leases to deposits | 73.7853% | 3,316 |
| Net loans and leases to core deposits | 76.9450% | 3,611 |
| Total domestic deposits to total assets | 82.4987% | 4,833 |
| Equity capital to assets | 8.8947% | 5,927 |
| Core capital (leverage) ratio | 8.7513% | 5,399 |
| Tier 1 risk-based capital ratio | 13.4142% | 4,938 |
| Total risk-based capital ratio | 14.6691% | 4,890 |
| Memoranda: | ||
| Average total assets | $423,860,250 | 1,567 |
| Average earning assets | $360,328,250 | 1,678 |
| Average equity | $37,125,750 | 1,891 |
| Average total loans | $271,267,750 | 1,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 2,449 |
| Cost of funding earning assets | 0.4943% | 5,663 |
| Net interest margin | 4.3192% | 1,431 |
| Noninterest income to average assets | 0.6624% | 2,883 |
| Noninterest expense to average assets | 2.8958% | 3,631 |
| Loan and lease loss provision to assets | 1.2582% | 320 |
| Net operating income to assets | 0.1140% | 6,124 |
| Return on assets (ROA) | 0.2535% | 5,946 |
| Pretax return on assets | 0.2535% | 6,052 |
| Return on Equity (ROE) | 2.9101% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.3215% | 5,029 |
| Net charge-offs to loans | 1.4594% | 691 |
| Credit loss provision to net charge-offs | 133.2328% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.4530% | 4,271 |
| Efficiency ratio | 67.8496% | 4,156 |
| Assets per employee ($millions) | 4.1076% | 3,649 |
| Cash dividends to net income (ytd only)* | 20.2247% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 3,495 |
| Loan loss allowance to noncurrent loans | 47.9383% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.7682% | 1,375 |
| Noncurrent loans to loans | 3.4022% | 1,703 |
| Net loans and leases to total assets | 63.7205% | 3,097 |
| Net loans and leases to deposits | 77.1576% | 2,809 |
| Net loans and leases to core deposits | 80.8563% | 3,107 |
| Total domestic deposits to total assets | 82.5849% | 4,913 |
| Equity capital to assets | 8.9114% | 5,792 |
| Core capital (leverage) ratio | 8.7086% | 5,365 |
| Tier 1 risk-based capital ratio | 12.6645% | 5,440 |
| Total risk-based capital ratio | 13.9029% | 5,433 |
| Memoranda: | ||
| Average total assets | $421,226,670 | 1,577 |
| Average earning assets | $351,635,330 | 1,713 |
| Average equity | $36,699,670 | 1,904 |
| Average total loans | $272,571,330 | 1,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8982% | 2,247 |
| Cost of funding earning assets | 0.5651% | 5,392 |
| Net interest margin | 4.3331% | 1,371 |
| Noninterest income to average assets | 0.6777% | 2,768 |
| Noninterest expense to average assets | 2.7728% | 4,149 |
| Loan and lease loss provision to assets | 1.1781% | 331 |
| Net operating income to assets | 0.2319% | 5,881 |
| Return on assets (ROA) | 0.2912% | 5,851 |
| Pretax return on assets | 0.2912% | 5,999 |
| Return on Equity (ROE) | 3.3804% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.7896% | 4,861 |
| Net charge-offs to loans | 1.1206% | 920 |
| Credit loss provision to net charge-offs | 162.5488% | 1,566 |
| Earnings coverage of net charge-offs (x) | 1.9454% | 3,360 |
| Efficiency ratio | 66.2911% | 4,505 |
| Assets per employee ($millions) | 4.3221% | 3,351 |
| Cash dividends to net income (ytd only)* | 17.4757% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,956 |
| Loan loss allowance to noncurrent loans | 23.2210% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 5.4278% | 914 |
| Noncurrent loans to loans | 6.6630% | 704 |
| Net loans and leases to total assets | 63.1418% | 3,007 |
| Net loans and leases to deposits | 77.0130% | 2,674 |
| Net loans and leases to core deposits | 80.6899% | 2,982 |
| Total domestic deposits to total assets | 81.9886% | 5,299 |
| Equity capital to assets | 8.6374% | 5,946 |
| Core capital (leverage) ratio | 8.5536% | 5,506 |
| Tier 1 risk-based capital ratio | 12.4582% | 5,640 |
| Total risk-based capital ratio | 13.7139% | 5,596 |
| Memoranda: | ||
| Average total assets | $424,404,500 | 1,567 |
| Average earning assets | $343,307,500 | 1,763 |
| Average equity | $36,564,000 | 1,899 |
| Average total loans | $274,486,500 | 1,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 1,874 |
| Cost of funding earning assets | 0.7279% | 5,354 |
| Net interest margin | 4.5222% | 1,089 |
| Noninterest income to average assets | 0.3737% | 4,837 |
| Noninterest expense to average assets | 3.1641% | 2,988 |
| Loan and lease loss provision to assets | 0.8617% | 1,125 |
| Net operating income to assets | 0.1598% | 5,706 |
| Return on assets (ROA) | 0.1806% | 5,783 |
| Pretax return on assets | 0.1806% | 5,831 |
| Return on Equity (ROE) | 2.1497% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.5427% | 5,108 |
| Net charge-offs to loans | 1.3024% | 1,265 |
| Credit loss provision to net charge-offs | 98.3297% | 3,658 |
| Earnings coverage of net charge-offs (x) | 1.1657% | 4,920 |
| Efficiency ratio | 75.5950% | 2,958 |
| Assets per employee ($millions) | 4.4763% | 2,954 |
| Cash dividends to net income (ytd only)* | 28.2353% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,696 |
| Loan loss allowance to noncurrent loans | 23.3256% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 5.0141% | 1,064 |
| Noncurrent loans to loans | 5.7554% | 890 |
| Net loans and leases to total assets | 64.3396% | 3,108 |
| Net loans and leases to deposits | 78.3618% | 2,778 |
| Net loans and leases to core deposits | 82.3021% | 3,136 |
| Total domestic deposits to total assets | 82.1058% | 5,095 |
| Equity capital to assets | 8.5934% | 6,020 |
| Core capital (leverage) ratio | 8.4927% | 5,572 |
| Tier 1 risk-based capital ratio | 12.2034% | 5,687 |
| Total risk-based capital ratio | 13.4500% | 5,660 |
| Memoranda: | ||
| Average total assets | $423,600,000 | 1,538 |
| Average earning assets | $357,063,600 | 1,660 |
| Average equity | $35,586,600 | 1,903 |
| Average total loans | $285,002,400 | 1,498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 2,024 |
| Cost of funding earning assets | 0.7571% | 5,422 |
| Net interest margin | 4.4943% | 1,168 |
| Noninterest income to average assets | 0.4779% | 4,062 |
| Noninterest expense to average assets | 3.3522% | 2,341 |
| Loan and lease loss provision to assets | 0.8349% | 1,106 |
| Net operating income to assets | 0.1153% | 5,927 |
| Return on assets (ROA) | 0.1430% | 5,979 |
| Pretax return on assets | 0.1430% | 6,017 |
| Return on Equity (ROE) | 1.7125% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.1014% | 5,579 |
| Net charge-offs to loans | 0.7096% | 2,142 |
| Credit loss provision to net charge-offs | 173.5429% | 1,720 |
| Earnings coverage of net charge-offs (x) | 1.9751% | 4,172 |
| Efficiency ratio | 77.9145% | 2,558 |
| Assets per employee ($millions) | 4.1885% | 3,469 |
| Cash dividends to net income (ytd only)* | 35.6820% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 3,093 |
| Loan loss allowance to noncurrent loans | 26.8109% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 6.1328% | 862 |
| Noncurrent loans to loans | 6.5412% | 804 |
| Net loans and leases to total assets | 64.9940% | 3,104 |
| Net loans and leases to deposits | 79.4142% | 2,737 |
| Net loans and leases to core deposits | 83.8077% | 3,091 |
| Total domestic deposits to total assets | 81.8417% | 5,152 |
| Equity capital to assets | 8.6744% | 6,109 |
| Core capital (leverage) ratio | 8.5612% | 5,616 |
| Tier 1 risk-based capital ratio | 11.8368% | 6,014 |
| Total risk-based capital ratio | 13.0922% | 5,993 |
| Memoranda: | ||
| Average total assets | $423,188,750 | 1,553 |
| Average earning assets | $360,124,000 | 1,647 |
| Average equity | $35,347,500 | 1,910 |
| Average total loans | $286,922,000 | 1,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 2,091 |
| Cost of funding earning assets | 0.7927% | 5,426 |
| Net interest margin | 4.4486% | 1,247 |
| Noninterest income to average assets | 0.3672% | 4,942 |
| Noninterest expense to average assets | 3.5559% | 1,846 |
| Loan and lease loss provision to assets | 0.7797% | 1,191 |
| Net operating income to assets | -0.1337% | 6,394 |
| Return on assets (ROA) | -0.1248% | 6,428 |
| Pretax return on assets | -0.1248% | 6,387 |
| Return on Equity (ROE) | -1.5130% | 6,467 |
| Retained earnings to average equity (ytd only) | -2.1319% | 6,270 |
| Net charge-offs to loans | 0.4660% | 2,713 |
| Credit loss provision to net charge-offs | 244.8071% | 1,239 |
| Earnings coverage of net charge-offs (x) | 2.0282% | 3,846 |
| Efficiency ratio | 84.6266% | 1,749 |
| Assets per employee ($millions) | 4.1936% | 3,359 |
| Cash dividends to net income (ytd only)* | -40.9091% | 7,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 3,457 |
| Loan loss allowance to noncurrent loans | 28.2811% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 6.0852% | 918 |
| Noncurrent loans to loans | 5.8667% | 1,037 |
| Net loans and leases to total assets | 67.9551% | 2,623 |
| Net loans and leases to deposits | 84.0089% | 2,107 |
| Net loans and leases to core deposits | 88.3857% | 2,583 |
| Total domestic deposits to total assets | 80.8904% | 5,564 |
| Equity capital to assets | 8.5144% | 6,161 |
| Core capital (leverage) ratio | 8.4537% | 5,627 |
| Tier 1 risk-based capital ratio | 11.6376% | 6,066 |
| Total risk-based capital ratio | 12.8917% | 6,053 |
| Memoranda: | ||
| Average total assets | $423,239,670 | 1,565 |
| Average earning assets | $364,830,000 | 1,642 |
| Average equity | $34,898,000 | 1,915 |
| Average total loans | $289,277,330 | 1,505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 2,330 |
| Cost of funding earning assets | 0.8630% | 5,188 |
| Net interest margin | 4.3109% | 1,530 |
| Noninterest income to average assets | 0.3745% | 4,915 |
| Noninterest expense to average assets | 2.9967% | 3,653 |
| Loan and lease loss provision to assets | 0.6553% | 1,313 |
| Net operating income to assets | 0.4447% | 4,746 |
| Return on assets (ROA) | 0.4587% | 4,755 |
| Pretax return on assets | 0.4587% | 5,152 |
| Return on Equity (ROE) | 5.6529% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.0761% | 3,140 |
| Net charge-offs to loans | 0.4214% | 2,425 |
| Credit loss provision to net charge-offs | 228.7582% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.8399% | 2,616 |
| Efficiency ratio | 73.1490% | 3,656 |
| Assets per employee ($millions) | 4.3663% | 3,098 |
| Cash dividends to net income (ytd only)* | 10.2041% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 4,387 |
| Loan loss allowance to noncurrent loans | 30.8231% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 5.7450% | 1,031 |
| Noncurrent loans to loans | 4.7407% | 1,452 |
| Net loans and leases to total assets | 67.2326% | 2,706 |
| Net loans and leases to deposits | 82.6695% | 2,242 |
| Net loans and leases to core deposits | 86.7894% | 2,759 |
| Total domestic deposits to total assets | 81.3270% | 5,560 |
| Equity capital to assets | 8.3548% | 6,099 |
| Core capital (leverage) ratio | 8.5072% | 5,439 |
| Tier 1 risk-based capital ratio | 11.7154% | 5,929 |
| Total risk-based capital ratio | 12.9696% | 5,928 |
| Memoranda: | ||
| Average total assets | $427,275,500 | 1,553 |
| Average earning assets | $368,927,000 | 1,637 |
| Average equity | $34,672,500 | 1,912 |
| Average total loans | $290,472,000 | 1,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4023% | 2,662 |
| Cost of funding earning assets | 1.1531% | 4,834 |
| Net interest margin | 4.2492% | 1,999 |
| Noninterest income to average assets | 0.3870% | 5,005 |
| Noninterest expense to average assets | 2.7922% | 4,631 |
| Loan and lease loss provision to assets | 2.1633% | 580 |
| Net operating income to assets | -0.8787% | 6,620 |
| Return on assets (ROA) | -0.6387% | 6,507 |
| Pretax return on assets | -0.6387% | 6,423 |
| Return on Equity (ROE) | -7.6306% | 6,597 |
| Retained earnings to average equity (ytd only) | -8.4121% | 6,560 |
| Net charge-offs to loans | 2.7834% | 635 |
| Credit loss provision to net charge-offs | 112.9196% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.6706% | 5,437 |
| Efficiency ratio | 68.4898% | 4,456 |
| Assets per employee ($millions) | 4.3979% | 3,034 |
| Cash dividends to net income (ytd only)* | -10.2422% | 7,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 5,090 |
| Loan loss allowance to noncurrent loans | 27.8358% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 5.3129% | 1,171 |
| Noncurrent loans to loans | 4.6089% | 1,525 |
| Net loans and leases to total assets | 66.8752% | 3,254 |
| Net loans and leases to deposits | 81.9854% | 2,810 |
| Net loans and leases to core deposits | 87.4402% | 3,126 |
| Total domestic deposits to total assets | 81.5696% | 5,333 |
| Equity capital to assets | 7.8837% | 6,604 |
| Core capital (leverage) ratio | 8.0266% | 6,160 |
| Tier 1 risk-based capital ratio | 11.2644% | 6,119 |
| Total risk-based capital ratio | 12.4593% | 6,152 |
| Memoranda: | ||
| Average total assets | $452,507,400 | 1,468 |
| Average earning assets | $392,946,800 | 1,540 |
| Average equity | $37,874,000 | 1,735 |
| Average total loans | $311,449,000 | 1,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 2,439 |
| Cost of funding earning assets | 1.1927% | 4,898 |
| Net interest margin | 4.3046% | 1,837 |
| Noninterest income to average assets | 0.5569% | 3,731 |
| Noninterest expense to average assets | 2.7037% | 4,866 |
| Loan and lease loss provision to assets | 1.9527% | 612 |
| Net operating income to assets | -0.3631% | 6,479 |
| Return on assets (ROA) | -0.0806% | 6,255 |
| Pretax return on assets | -0.0806% | 6,203 |
| Return on Equity (ROE) | -0.9494% | 6,274 |
| Retained earnings to average equity (ytd only) | -1.6167% | 6,120 |
| Net charge-offs to loans | 1.9841% | 956 |
| Credit loss provision to net charge-offs | 142.4617% | 2,772 |
| Earnings coverage of net charge-offs (x) | 1.1597% | 4,903 |
| Efficiency ratio | 62.9750% | 5,434 |
| Assets per employee ($millions) | 4.4627% | 2,968 |
| Cash dividends to net income (ytd only)* | -70.2900% | 7,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 3,831 |
| Loan loss allowance to noncurrent loans | 35.0410% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 5.3168% | 1,171 |
| Noncurrent loans to loans | 4.3627% | 1,666 |
| Net loans and leases to total assets | 67.9112% | 3,239 |
| Net loans and leases to deposits | 84.4328% | 2,637 |
| Net loans and leases to core deposits | 90.1453% | 3,075 |
| Total domestic deposits to total assets | 80.4322% | 5,564 |
| Equity capital to assets | 8.7040% | 6,003 |
| Core capital (leverage) ratio | 8.4478% | 5,608 |
| Tier 1 risk-based capital ratio | 11.6288% | 5,809 |
| Total risk-based capital ratio | 12.8809% | 5,788 |
| Memoranda: | ||
| Average total assets | $456,786,750 | 1,473 |
| Average earning assets | $396,500,250 | 1,550 |
| Average equity | $38,761,250 | 1,722 |
| Average total loans | $315,573,250 | 1,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,641 |
| Cost of funding earning assets | 1.2269% | 4,972 |
| Net interest margin | 4.2460% | 1,979 |
| Noninterest income to average assets | 0.4820% | 4,268 |
| Noninterest expense to average assets | 2.6320% | 5,201 |
| Loan and lease loss provision to assets | 1.9230% | 640 |
| Net operating income to assets | -0.3933% | 6,559 |
| Return on assets (ROA) | -0.2135% | 6,419 |
| Pretax return on assets | -0.2135% | 6,352 |
| Return on Equity (ROE) | -2.5371% | 6,470 |
| Retained earnings to average equity (ytd only) | -3.0208% | 6,305 |
| Net charge-offs to loans | 0.7744% | 2,307 |
| Credit loss provision to net charge-offs | 359.2233% | 1,020 |
| Earnings coverage of net charge-offs (x) | 2.8576% | 3,559 |
| Efficiency ratio | 63.2428% | 5,477 |
| Assets per employee ($millions) | 4.3256% | 3,167 |
| Cash dividends to net income (ytd only)* | -19.0669% | 7,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8749% | 2,494 |
| Loan loss allowance to noncurrent loans | 31.9156% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 5.8321% | 1,026 |
| Noncurrent loans to loans | 5.8744% | 1,099 |
| Net loans and leases to total assets | 66.3549% | 3,758 |
| Net loans and leases to deposits | 81.9509% | 3,281 |
| Net loans and leases to core deposits | 86.8776% | 3,717 |
| Total domestic deposits to total assets | 80.9691% | 5,406 |
| Equity capital to assets | 8.4583% | 6,220 |
| Core capital (leverage) ratio | 8.2800% | 5,805 |
| Tier 1 risk-based capital ratio | 11.4322% | 5,843 |
| Total risk-based capital ratio | 12.6830% | 5,805 |
| Memoranda: | ||
| Average total assets | $461,779,670 | 1,478 |
| Average earning assets | $400,191,670 | 1,549 |
| Average equity | $38,863,330 | 1,708 |
| Average total loans | $319,199,330 | 1,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5067% | 2,551 |
| Cost of funding earning assets | 1.2455% | 5,142 |
| Net interest margin | 4.2612% | 1,818 |
| Noninterest income to average assets | 0.6929% | 2,646 |
| Noninterest expense to average assets | 2.6389% | 5,189 |
| Loan and lease loss provision to assets | 1.4743% | 797 |
| Net operating income to assets | 0.3330% | 5,154 |
| Return on assets (ROA) | 0.4041% | 4,967 |
| Pretax return on assets | 0.4041% | 5,281 |
| Return on Equity (ROE) | 4.8139% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.3284% | 3,555 |
| Net charge-offs to loans | 0.5585% | 2,405 |
| Credit loss provision to net charge-offs | 377.7778% | 1,066 |
| Earnings coverage of net charge-offs (x) | 4.6311% | 2,585 |
| Efficiency ratio | 59.3524% | 6,282 |
| Assets per employee ($millions) | 4.4366% | 3,062 |
| Cash dividends to net income (ytd only)* | 10.0858% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 5,307 |
| Loan loss allowance to noncurrent loans | 26.3073% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 4.9886% | 1,292 |
| Noncurrent loans to loans | 4.6938% | 1,575 |
| Net loans and leases to total assets | 67.2030% | 3,578 |
| Net loans and leases to deposits | 82.7556% | 3,148 |
| Net loans and leases to core deposits | 87.7011% | 3,659 |
| Total domestic deposits to total assets | 81.2066% | 5,375 |
| Equity capital to assets | 8.3647% | 6,205 |
| Core capital (leverage) ratio | 8.5174% | 5,345 |
| Tier 1 risk-based capital ratio | 11.6302% | 5,549 |
| Total risk-based capital ratio | 12.7892% | 5,610 |
| Memoranda: | ||
| Average total assets | $461,251,000 | 1,522 |
| Average earning assets | $406,270,500 | 1,563 |
| Average equity | $38,721,000 | 1,731 |
| Average total loans | $322,307,500 | 1,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 2,858 |
| Cost of funding earning assets | 1.7076% | 4,460 |
| Net interest margin | 4.0439% | 2,674 |
| Noninterest income to average assets | 0.6253% | 3,458 |
| Noninterest expense to average assets | 2.9446% | 4,366 |
| Loan and lease loss provision to assets | 1.6218% | 1,411 |
| Net operating income to assets | -0.2650% | 5,915 |
| Return on assets (ROA) | 0.0026% | 5,532 |
| Pretax return on assets | 0.0026% | 5,440 |
| Return on Equity (ROE) | 0.0302% | 5,531 |
| Retained earnings to average equity (ytd only) | -2.2330% | 5,571 |
| Net charge-offs to loans | 2.2550% | 1,043 |
| Credit loss provision to net charge-offs | 96.8734% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.8105% | 5,301 |
| Efficiency ratio | 68.4559% | 4,932 |
| Assets per employee ($millions) | 4.2679% | 3,318 |
| Cash dividends to net income (ytd only)* | 7,500.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 7,090 |
| Loan loss allowance to noncurrent loans | 20.0497% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 4.6975% | 1,353 |
| Noncurrent loans to loans | 4.0553% | 1,828 |
| Net loans and leases to total assets | 71.1639% | 2,959 |
| Net loans and leases to deposits | 87.1174% | 2,717 |
| Net loans and leases to core deposits | 112.2451% | 2,673 |
| Total domestic deposits to total assets | 81.6874% | 5,066 |
| Equity capital to assets | 8.4255% | 6,017 |
| Core capital (leverage) ratio | 8.5811% | 5,135 |
| Tier 1 risk-based capital ratio | 11.2251% | 5,688 |
| Total risk-based capital ratio | 11.9946% | 6,137 |
| Memoranda: | ||
| Average total assets | $460,408,200 | 1,500 |
| Average earning assets | $418,528,800 | 1,511 |
| Average equity | $39,766,400 | 1,685 |
| Average total loans | $341,815,200 | 1,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,847 |
| Cost of funding earning assets | 1.8238% | 4,262 |
| Net interest margin | 3.9859% | 2,875 |
| Noninterest income to average assets | 0.7283% | 2,835 |
| Noninterest expense to average assets | 2.8311% | 4,757 |
| Loan and lease loss provision to assets | 1.6806% | 1,107 |
| Net operating income to assets | -0.1364% | 5,962 |
| Return on assets (ROA) | 0.1468% | 5,395 |
| Pretax return on assets | 0.1468% | 5,427 |
| Return on Equity (ROE) | 1.6895% | 5,268 |
| Retained earnings to average equity (ytd only) | -1.3037% | 5,560 |
| Net charge-offs to loans | 1.7612% | 1,147 |
| Credit loss provision to net charge-offs | 127.4660% | 3,942 |
| Earnings coverage of net charge-offs (x) | 1.1712% | 4,890 |
| Efficiency ratio | 64.7070% | 5,615 |
| Assets per employee ($millions) | 4.3426% | 3,132 |
| Cash dividends to net income (ytd only)* | 177.1644% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,778 |
| Loan loss allowance to noncurrent loans | 40.9736% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 4.1882% | 1,499 |
| Noncurrent loans to loans | 3.0685% | 2,464 |
| Net loans and leases to total assets | 72.3068% | 2,956 |
| Net loans and leases to deposits | 90.0458% | 2,575 |
| Net loans and leases to core deposits | 115.6292% | 2,662 |
| Total domestic deposits to total assets | 80.3001% | 5,333 |
| Equity capital to assets | 8.8240% | 5,749 |
| Core capital (leverage) ratio | 8.5947% | 5,310 |
| Tier 1 risk-based capital ratio | 11.3713% | 5,570 |
| Total risk-based capital ratio | 12.5728% | 5,560 |
| Memoranda: | ||
| Average total assets | $461,344,250 | 1,511 |
| Average earning assets | $422,113,750 | 1,513 |
| Average equity | $40,089,000 | 1,691 |
| Average total loans | $345,358,000 | 1,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7705% | 3,192 |
| Cost of funding earning assets | 1.8992% | 4,271 |
| Net interest margin | 3.8713% | 3,242 |
| Noninterest income to average assets | 0.7021% | 2,979 |
| Noninterest expense to average assets | 2.7552% | 5,156 |
| Loan and lease loss provision to assets | 2.0944% | 762 |
| Net operating income to assets | -0.5794% | 6,633 |
| Return on assets (ROA) | -0.1868% | 6,192 |
| Pretax return on assets | -0.1868% | 6,107 |
| Return on Equity (ROE) | -2.1609% | 6,247 |
| Retained earnings to average equity (ytd only) | -6.0197% | 6,454 |
| Net charge-offs to loans | 0.5522% | 2,672 |
| Credit loss provision to net charge-offs | 503.1024% | 912 |
| Earnings coverage of net charge-offs (x) | 3.6391% | 3,361 |
| Efficiency ratio | 64.5226% | 5,801 |
| Assets per employee ($millions) | 4.3558% | 3,014 |
| Cash dividends to net income (ytd only)* | -178.5714% | 8,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 1,627 |
| Loan loss allowance to noncurrent loans | 55.7577% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 3.6785% | 1,675 |
| Noncurrent loans to loans | 3.5408% | 1,977 |
| Net loans and leases to total assets | 73.1578% | 2,919 |
| Net loans and leases to deposits | 90.4638% | 2,756 |
| Net loans and leases to core deposits | 115.4441% | 2,767 |
| Total domestic deposits to total assets | 80.8697% | 5,123 |
| Equity capital to assets | 8.2859% | 6,358 |
| Core capital (leverage) ratio | 8.2855% | 5,827 |
| Tier 1 risk-based capital ratio | 10.9654% | 5,908 |
| Total risk-based capital ratio | 12.2237% | 5,834 |
| Memoranda: | ||
| Average total assets | $464,582,000 | 1,532 |
| Average earning assets | $428,179,670 | 1,508 |
| Average equity | $40,168,000 | 1,688 |
| Average total loans | $350,238,000 | 1,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8441% | 3,065 |
| Cost of funding earning assets | 2.0388% | 3,929 |
| Net interest margin | 3.8053% | 3,422 |
| Noninterest income to average assets | 0.7390% | 2,661 |
| Noninterest expense to average assets | 2.6523% | 5,214 |
| Loan and lease loss provision to assets | 1.2017% | 1,077 |
| Net operating income to assets | 0.4000% | 4,862 |
| Return on assets (ROA) | 0.7450% | 3,547 |
| Pretax return on assets | 0.7450% | 4,273 |
| Return on Equity (ROE) | 8.4429% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.9838% | 2,213 |
| Net charge-offs to loans | 0.2413% | 3,196 |
| Credit loss provision to net charge-offs | 657.2770% | 881 |
| Earnings coverage of net charge-offs (x) | 8.7606% | 2,150 |
| Efficiency ratio | 62.3487% | 5,991 |
| Assets per employee ($millions) | 4.4354% | 2,822 |
| Cash dividends to net income (ytd only)* | 17.2811% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 4,986 |
| Loan loss allowance to noncurrent loans | 42.8033% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 2.8142% | 2,020 |
| Noncurrent loans to loans | 2.7351% | 2,394 |
| Net loans and leases to total assets | 73.4728% | 2,898 |
| Net loans and leases to deposits | 91.1320% | 2,752 |
| Net loans and leases to core deposits | 117.7035% | 2,626 |
| Total domestic deposits to total assets | 80.6224% | 5,126 |
| Equity capital to assets | 8.7348% | 5,713 |
| Core capital (leverage) ratio | 8.7440% | 5,074 |
| Tier 1 risk-based capital ratio | 11.1664% | 5,737 |
| Total risk-based capital ratio | 12.2956% | 5,772 |
| Memoranda: | ||
| Average total assets | $466,016,500 | 1,534 |
| Average earning assets | $430,451,500 | 1,510 |
| Average equity | $41,123,500 | 1,654 |
| Average total loans | $353,066,000 | 1,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7078% | 2,001 |
| Cost of funding earning assets | 2.6607% | 3,366 |
| Net interest margin | 4.0471% | 2,922 |
| Noninterest income to average assets | 0.7244% | 2,946 |
| Noninterest expense to average assets | 2.8259% | 4,712 |
| Loan and lease loss provision to assets | 0.4803% | 2,897 |
| Net operating income to assets | 1.1292% | 2,031 |
| Return on assets (ROA) | 1.0285% | 2,324 |
| Pretax return on assets | 1.0524% | 3,204 |
| Return on Equity (ROE) | 11.1869% | 1,847 |
| Retained earnings to average equity (ytd only) | 1.9487% | 4,020 |
| Net charge-offs to loans | 0.5275% | 2,257 |
| Credit loss provision to net charge-offs | 113.7466% | 4,745 |
| Earnings coverage of net charge-offs (x) | 3.8728% | 4,197 |
| Efficiency ratio | 63.3413% | 5,700 |
| Assets per employee ($millions) | 4.3989% | 2,796 |
| Cash dividends to net income (ytd only)* | 82.5808% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 7,046 |
| Loan loss allowance to noncurrent loans | 40.1132% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7907% | 2,739 |
| Noncurrent loans to loans | 2.0308% | 2,728 |
| Net loans and leases to total assets | 76.5784% | 2,482 |
| Net loans and leases to deposits | 93.9677% | 2,766 |
| Net loans and leases to core deposits | 122.2656% | 2,481 |
| Total domestic deposits to total assets | 81.4944% | 4,411 |
| Equity capital to assets | 8.9157% | 5,478 |
| Core capital (leverage) ratio | 8.6087% | 5,365 |
| Tier 1 risk-based capital ratio | 10.8671% | 5,843 |
| Total risk-based capital ratio | 11.6614% | 6,180 |
| Memoranda: | ||
| Average total assets | $439,265,000 | 1,557 |
| Average earning assets | $405,603,400 | 1,539 |
| Average equity | $40,386,600 | 1,664 |
| Average total loans | $351,656,800 | 1,379 |