Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 3,980 |
| Cost of funding earning assets | 0.8356% | 2,474 |
| Net interest margin | 3.3412% | 4,045 |
| Noninterest income to average assets | 0.3930% | 3,316 |
| Noninterest expense to average assets | 2.7020% | 2,899 |
| Loan and lease loss provision to assets | 0.1796% | 997 |
| Net operating income to assets | 0.4560% | 4,624 |
| Return on assets (ROA) | 1.6696% | 800 |
| Pretax return on assets | 2.1786% | 461 |
| Return on Equity (ROE) | 13.5180% | 1,098 |
| Retained earnings to average equity (ytd only) | 8.5329% | 1,188 |
| Net charge-offs to loans | -0.0631% | 4,890 |
| Credit loss provision to net charge-offs | -426.8293% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6744% | 1,312 |
| Assets per employee ($millions) | 5.6553% | 1,820 |
| Cash dividends to net income (ytd only)* | 36.8777% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3389% | 280 |
| Loan loss allowance to noncurrent loans | 160.3684% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,407 |
| Noncurrent loans to loans | 1.4585% | 1,061 |
| Net loans and leases to total assets | 66.1672% | 3,082 |
| Net loans and leases to deposits | 85.6459% | 2,295 |
| Net loans and leases to core deposits | 94.9576% | 2,159 |
| Total domestic deposits to total assets | 77.2567% | 4,525 |
| Equity capital to assets | 12.8453% | 1,665 |
| Core capital (leverage) ratio | 12.6698% | 1,450 |
| Tier 1 risk-based capital ratio | 16.6759% | 2,184 |
| Total risk-based capital ratio | 17.9355% | 2,128 |
| Memoranda: | ||
| Average total assets | $194,894,670 | 2,915 |
| Average earning assets | $182,631,000 | 2,892 |
| Average equity | $24,071,670 | 2,794 |
| Average total loans | $129,949,670 | 2,868 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 4,243 |
| Cost of funding earning assets | 0.7861% | 2,618 |
| Net interest margin | 3.2706% | 4,229 |
| Noninterest income to average assets | 0.3262% | 3,669 |
| Noninterest expense to average assets | 2.6401% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4396% | 4,653 |
| Return on assets (ROA) | 2.8297% | 107 |
| Pretax return on assets | 3.7737% | 76 |
| Return on Equity (ROE) | 23.3690% | 135 |
| Retained earnings to average equity (ytd only) | 13.2671% | 432 |
| Net charge-offs to loans | -0.0678% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9182% | 1,275 |
| Assets per employee ($millions) | 5.1347% | 2,356 |
| Cash dividends to net income (ytd only)* | 43.2277% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2142% | 349 |
| Loan loss allowance to noncurrent loans | 129.9180% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 1,222 |
| Noncurrent loans to loans | 1.7043% | 904 |
| Net loans and leases to total assets | 64.5741% | 3,217 |
| Net loans and leases to deposits | 83.1557% | 2,487 |
| Net loans and leases to core deposits | 93.4736% | 2,174 |
| Total domestic deposits to total assets | 77.6544% | 4,572 |
| Equity capital to assets | 12.4341% | 1,775 |
| Core capital (leverage) ratio | 12.5669% | 1,467 |
| Tier 1 risk-based capital ratio | 17.0340% | 2,095 |
| Total risk-based capital ratio | 18.2928% | 2,037 |
| Memoranda: | ||
| Average total assets | $196,201,500 | 2,941 |
| Average earning assets | $183,696,000 | 2,914 |
| Average equity | $23,758,000 | 2,828 |
| Average total loans | $129,787,500 | 2,908 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 4,037 |
| Cost of funding earning assets | 0.7488% | 1,798 |
| Net interest margin | 3.2485% | 4,391 |
| Noninterest income to average assets | 0.5469% | 2,568 |
| Noninterest expense to average assets | 2.6794% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7376% | 4,011 |
| Return on assets (ROA) | 0.7866% | 3,854 |
| Pretax return on assets | 0.9621% | 3,724 |
| Return on Equity (ROE) | 6.9718% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.2972% | 2,601 |
| Net charge-offs to loans | -0.0508% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8057% | 1,522 |
| Assets per employee ($millions) | 4.9322% | 2,582 |
| Cash dividends to net income (ytd only)* | 24.0202% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 354 |
| Loan loss allowance to noncurrent loans | 569.6177% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,584 |
| Noncurrent loans to loans | 0.3802% | 3,169 |
| Net loans and leases to total assets | 64.8277% | 3,272 |
| Net loans and leases to deposits | 82.6944% | 2,652 |
| Net loans and leases to core deposits | 93.5802% | 2,266 |
| Total domestic deposits to total assets | 78.3943% | 4,424 |
| Equity capital to assets | 11.7875% | 2,041 |
| Core capital (leverage) ratio | 12.0937% | 1,674 |
| Tier 1 risk-based capital ratio | 17.3312% | 1,943 |
| Total risk-based capital ratio | 18.5913% | 1,900 |
| Memoranda: | ||
| Average total assets | $201,128,400 | 2,855 |
| Average earning assets | $187,900,000 | 2,851 |
| Average equity | $22,691,400 | 2,852 |
| Average total loans | $135,891,400 | 2,817 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 4,044 |
| Cost of funding earning assets | 0.7327% | 1,663 |
| Net interest margin | 3.2279% | 4,457 |
| Noninterest income to average assets | 0.5034% | 2,850 |
| Noninterest expense to average assets | 2.7116% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6737% | 4,307 |
| Return on assets (ROA) | 0.7125% | 4,193 |
| Pretax return on assets | 0.8557% | 4,153 |
| Return on Equity (ROE) | 6.3855% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.1388% | 3,704 |
| Net charge-offs to loans | -0.0573% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0240% | 1,225 |
| Assets per employee ($millions) | 4.7465% | 2,787 |
| Cash dividends to net income (ytd only)* | 35.1850% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 453 |
| Loan loss allowance to noncurrent loans | 552.0548% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,094 |
| Noncurrent loans to loans | 0.3696% | 3,320 |
| Net loans and leases to total assets | 69.5904% | 2,710 |
| Net loans and leases to deposits | 91.0795% | 1,746 |
| Net loans and leases to core deposits | 104.6568% | 1,405 |
| Total domestic deposits to total assets | 76.4062% | 4,742 |
| Equity capital to assets | 11.6040% | 2,177 |
| Core capital (leverage) ratio | 11.5760% | 2,112 |
| Tier 1 risk-based capital ratio | 16.1577% | 2,387 |
| Total risk-based capital ratio | 17.4180% | 2,331 |
| Memoranda: | ||
| Average total assets | $202,089,000 | 2,862 |
| Average earning assets | $188,888,750 | 2,860 |
| Average equity | $22,550,500 | 2,871 |
| Average total loans | $137,182,500 | 2,819 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 4,197 |
| Cost of funding earning assets | 0.7044% | 1,598 |
| Net interest margin | 3.1523% | 4,611 |
| Noninterest income to average assets | 0.4653% | 3,060 |
| Noninterest expense to average assets | 2.6786% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6122% | 4,458 |
| Return on assets (ROA) | 0.6697% | 4,289 |
| Pretax return on assets | 0.7997% | 4,243 |
| Return on Equity (ROE) | 6.0781% | 4,203 |
| Retained earnings to average equity (ytd only) | 6.0781% | 2,511 |
| Net charge-offs to loans | -0.0409% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5550% | 1,155 |
| Assets per employee ($millions) | 4.8489% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 452 |
| Loan loss allowance to noncurrent loans | 554.6720% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 2,991 |
| Noncurrent loans to loans | 0.3753% | 3,349 |
| Net loans and leases to total assets | 64.4493% | 3,345 |
| Net loans and leases to deposits | 83.2686% | 2,615 |
| Net loans and leases to core deposits | 96.2880% | 2,039 |
| Total domestic deposits to total assets | 77.3993% | 4,677 |
| Equity capital to assets | 11.1808% | 2,474 |
| Core capital (leverage) ratio | 11.3433% | 2,209 |
| Tier 1 risk-based capital ratio | 15.0426% | 2,855 |
| Total risk-based capital ratio | 16.2998% | 2,778 |
| Memoranda: | ||
| Average total assets | $204,583,330 | 2,858 |
| Average earning assets | $191,097,670 | 2,841 |
| Average equity | $22,540,000 | 2,878 |
| Average total loans | $136,827,330 | 2,832 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,064 |
| Cost of funding earning assets | 0.6832% | 1,534 |
| Net interest margin | 3.1738% | 4,546 |
| Noninterest income to average assets | 0.5052% | 2,769 |
| Noninterest expense to average assets | 2.6277% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6828% | 4,161 |
| Return on assets (ROA) | 0.6828% | 4,167 |
| Pretax return on assets | 0.8408% | 4,050 |
| Return on Equity (ROE) | 6.2430% | 4,082 |
| Retained earnings to average equity (ytd only) | 6.2430% | 2,609 |
| Net charge-offs to loans | -0.0232% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7593% | 1,627 |
| Assets per employee ($millions) | 5.2342% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 525 |
| Loan loss allowance to noncurrent loans | 535.7834% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,950 |
| Noncurrent loans to loans | 0.3765% | 3,435 |
| Net loans and leases to total assets | 64.2615% | 3,275 |
| Net loans and leases to deposits | 82.2450% | 2,572 |
| Net loans and leases to core deposits | 105.4396% | 1,283 |
| Total domestic deposits to total assets | 78.1342% | 4,710 |
| Equity capital to assets | 10.7366% | 2,836 |
| Core capital (leverage) ratio | 11.0449% | 2,394 |
| Tier 1 risk-based capital ratio | 13.9529% | 3,403 |
| Total risk-based capital ratio | 15.2088% | 3,314 |
| Memoranda: | ||
| Average total assets | $205,048,500 | 2,887 |
| Average earning assets | $191,442,500 | 2,867 |
| Average equity | $22,425,000 | 2,918 |
| Average total loans | $138,219,500 | 2,837 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,048 |
| Cost of funding earning assets | 0.6884% | 1,084 |
| Net interest margin | 3.1125% | 4,662 |
| Noninterest income to average assets | 0.4307% | 3,431 |
| Noninterest expense to average assets | 2.5651% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4933% | 4,390 |
| Return on assets (ROA) | 0.4974% | 4,416 |
| Pretax return on assets | 0.7730% | 4,325 |
| Return on Equity (ROE) | 4.4984% | 4,348 |
| Retained earnings to average equity (ytd only) | 1.6260% | 4,329 |
| Net charge-offs to loans | 0.1810% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.2581% | 3,205 |
| Efficiency ratio | 76.9904% | 1,487 |
| Assets per employee ($millions) | 4.6681% | 2,917 |
| Cash dividends to net income (ytd only)* | 63.8530% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 554 |
| Loan loss allowance to noncurrent loans | 442.6282% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 2,782 |
| Noncurrent loans to loans | 0.4485% | 3,168 |
| Net loans and leases to total assets | 67.9344% | 2,828 |
| Net loans and leases to deposits | 88.9019% | 1,906 |
| Net loans and leases to core deposits | 109.5064% | 1,032 |
| Total domestic deposits to total assets | 76.4150% | 4,930 |
| Equity capital to assets | 11.1449% | 2,493 |
| Core capital (leverage) ratio | 10.9151% | 2,415 |
| Tier 1 risk-based capital ratio | 15.1324% | 2,783 |
| Total risk-based capital ratio | 16.3908% | 2,710 |
| Memoranda: | ||
| Average total assets | $202,450,800 | 2,903 |
| Average earning assets | $188,688,800 | 2,880 |
| Average equity | $22,385,800 | 2,912 |
| Average total loans | $137,039,800 | 2,822 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,138 |
| Cost of funding earning assets | 0.6906% | 1,010 |
| Net interest margin | 3.0705% | 4,775 |
| Noninterest income to average assets | 0.4226% | 3,536 |
| Noninterest expense to average assets | 2.6320% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5533% | 4,561 |
| Return on assets (ROA) | 0.5533% | 4,600 |
| Pretax return on assets | 0.6539% | 4,717 |
| Return on Equity (ROE) | 5.0141% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.7040% | 3,721 |
| Net charge-offs to loans | -0.0449% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1000% | 1,089 |
| Assets per employee ($millions) | 4.5373% | 3,079 |
| Cash dividends to net income (ytd only)* | 26.1286% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1491% | 440 |
| Loan loss allowance to noncurrent loans | 116.2419% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 1,187 |
| Noncurrent loans to loans | 1.8488% | 949 |
| Net loans and leases to total assets | 68.1472% | 2,829 |
| Net loans and leases to deposits | 91.7098% | 1,604 |
| Net loans and leases to core deposits | 117.4252% | 690 |
| Total domestic deposits to total assets | 74.3075% | 5,205 |
| Equity capital to assets | 11.1994% | 2,672 |
| Core capital (leverage) ratio | 11.1605% | 2,314 |
| Tier 1 risk-based capital ratio | 14.3061% | 3,296 |
| Total risk-based capital ratio | 15.5657% | 3,194 |
| Memoranda: | ||
| Average total assets | $202,881,250 | 2,924 |
| Average earning assets | $189,191,000 | 2,903 |
| Average equity | $22,389,500 | 2,933 |
| Average total loans | $136,518,250 | 2,847 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,135 |
| Cost of funding earning assets | 0.7117% | 841 |
| Net interest margin | 3.0174% | 4,872 |
| Noninterest income to average assets | 0.4100% | 3,625 |
| Noninterest expense to average assets | 2.5774% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5449% | 4,547 |
| Return on assets (ROA) | 0.5483% | 4,568 |
| Pretax return on assets | 0.6471% | 4,696 |
| Return on Equity (ROE) | 4.9932% | 4,478 |
| Retained earnings to average equity (ytd only) | 4.4714% | 3,051 |
| Net charge-offs to loans | -0.0698% | 5,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0307% | 1,206 |
| Assets per employee ($millions) | 4.6538% | 2,858 |
| Cash dividends to net income (ytd only)* | 10.4505% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2137% | 427 |
| Loan loss allowance to noncurrent loans | 115.1846% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 1,187 |
| Noncurrent loans to loans | 1.9219% | 900 |
| Net loans and leases to total assets | 65.9475% | 3,115 |
| Net loans and leases to deposits | 92.5996% | 1,418 |
| Net loans and leases to core deposits | 112.1904% | 900 |
| Total domestic deposits to total assets | 71.2179% | 5,499 |
| Equity capital to assets | 11.1190% | 2,683 |
| Core capital (leverage) ratio | 10.9923% | 2,415 |
| Tier 1 risk-based capital ratio | 14.1531% | 3,340 |
| Total risk-based capital ratio | 15.4125% | 3,252 |
| Memoranda: | ||
| Average total assets | $202,448,330 | 2,939 |
| Average earning assets | $188,571,330 | 2,926 |
| Average equity | $22,230,330 | 2,948 |
| Average total loans | $134,624,670 | 2,877 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 3,919 |
| Cost of funding earning assets | 0.7977% | 493 |
| Net interest margin | 2.9557% | 4,981 |
| Noninterest income to average assets | 0.3915% | 3,726 |
| Noninterest expense to average assets | 2.6112% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4749% | 4,691 |
| Return on assets (ROA) | 0.4749% | 4,715 |
| Pretax return on assets | 0.5266% | 4,908 |
| Return on Equity (ROE) | 4.3531% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,503 |
| Net charge-offs to loans | -0.1385% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2172% | 1,043 |
| Assets per employee ($millions) | 4.7316% | 2,793 |
| Cash dividends to net income (ytd only)* | 10.4603% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 432 |
| Loan loss allowance to noncurrent loans | 123.3253% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 1,342 |
| Noncurrent loans to loans | 1.8381% | 1,012 |
| Net loans and leases to total assets | 64.7572% | 3,159 |
| Net loans and leases to deposits | 91.3335% | 1,393 |
| Net loans and leases to core deposits | 110.6172% | 852 |
| Total domestic deposits to total assets | 70.9019% | 5,599 |
| Equity capital to assets | 10.8876% | 2,757 |
| Core capital (leverage) ratio | 10.9407% | 2,424 |
| Tier 1 risk-based capital ratio | 14.1442% | 3,387 |
| Total risk-based capital ratio | 15.4041% | 3,303 |
| Memoranda: | ||
| Average total assets | $201,289,500 | 2,984 |
| Average earning assets | $187,030,000 | 2,972 |
| Average equity | $21,961,500 | 2,989 |
| Average total loans | $132,889,500 | 2,920 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,014 |
| Cost of funding earning assets | 0.5275% | 1,887 |
| Net interest margin | 3.2357% | 4,345 |
| Noninterest income to average assets | 0.5246% | 3,064 |
| Noninterest expense to average assets | 2.6029% | 3,669 |
| Loan and lease loss provision to assets | -0.1056% | 5,695 |
| Net operating income to assets | 0.7958% | 3,324 |
| Return on assets (ROA) | 0.8001% | 3,405 |
| Pretax return on assets | 1.0401% | 3,328 |
| Return on Equity (ROE) | 6.9997% | 3,466 |
| Retained earnings to average equity (ytd only) | -1.4548% | 5,488 |
| Net charge-offs to loans | 0.1386% | 1,865 |
| Credit loss provision to net charge-offs | -118.0791% | 4,918 |
| Earnings coverage of net charge-offs (x) | 10.3842% | 2,646 |
| Efficiency ratio | 73.6978% | 2,322 |
| Assets per employee ($millions) | 4.5254% | 3,082 |
| Cash dividends to net income (ytd only)* | 120.7833% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2983% | 404 |
| Loan loss allowance to noncurrent loans | 116.1265% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 1,236 |
| Noncurrent loans to loans | 1.9791% | 914 |
| Net loans and leases to total assets | 64.2621% | 3,321 |
| Net loans and leases to deposits | 90.9904% | 1,579 |
| Net loans and leases to core deposits | 110.3238% | 883 |
| Total domestic deposits to total assets | 70.6251% | 5,633 |
| Equity capital to assets | 10.9337% | 2,681 |
| Core capital (leverage) ratio | 10.9618% | 2,380 |
| Tier 1 risk-based capital ratio | 15.1709% | 2,893 |
| Total risk-based capital ratio | 16.4324% | 2,824 |
| Memoranda: | ||
| Average total assets | $197,859,600 | 2,978 |
| Average earning assets | $183,885,000 | 2,974 |
| Average equity | $22,615,200 | 2,929 |
| Average total loans | $127,747,400 | 2,954 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 3,903 |
| Cost of funding earning assets | 0.5258% | 1,903 |
| Net interest margin | 3.2803% | 4,254 |
| Noninterest income to average assets | 0.5332% | 3,027 |
| Noninterest expense to average assets | 2.6444% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7353% | 3,667 |
| Return on assets (ROA) | 0.7411% | 3,770 |
| Pretax return on assets | 0.9449% | 3,831 |
| Return on Equity (ROE) | 6.4135% | 3,874 |
| Retained earnings to average equity (ytd only) | 2.7278% | 4,261 |
| Net charge-offs to loans | 0.1849% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.8921% | 2,830 |
| Efficiency ratio | 73.8270% | 2,317 |
| Assets per employee ($millions) | 4.4037% | 3,239 |
| Cash dividends to net income (ytd only)* | 57.4681% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5216% | 329 |
| Loan loss allowance to noncurrent loans | 102.4173% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 1,025 |
| Noncurrent loans to loans | 2.4620% | 718 |
| Net loans and leases to total assets | 62.8155% | 3,544 |
| Net loans and leases to deposits | 91.1660% | 1,613 |
| Net loans and leases to core deposits | 112.2363% | 797 |
| Total domestic deposits to total assets | 68.9023% | 5,742 |
| Equity capital to assets | 11.6493% | 2,401 |
| Core capital (leverage) ratio | 11.2332% | 2,248 |
| Tier 1 risk-based capital ratio | 15.3735% | 2,881 |
| Total risk-based capital ratio | 16.6369% | 2,809 |
| Memoranda: | ||
| Average total assets | $197,544,750 | 2,995 |
| Average earning assets | $183,599,000 | 2,987 |
| Average equity | $22,826,250 | 2,933 |
| Average total loans | $126,942,250 | 2,973 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 3,878 |
| Cost of funding earning assets | 0.5462% | 1,724 |
| Net interest margin | 3.2763% | 4,304 |
| Noninterest income to average assets | 0.5899% | 2,673 |
| Noninterest expense to average assets | 2.5621% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8185% | 3,224 |
| Return on assets (ROA) | 0.8270% | 3,321 |
| Pretax return on assets | 1.0844% | 3,261 |
| Return on Equity (ROE) | 7.1768% | 3,441 |
| Retained earnings to average equity (ytd only) | 1.6359% | 4,730 |
| Net charge-offs to loans | 0.2810% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.9494% | 2,796 |
| Efficiency ratio | 70.4767% | 2,904 |
| Assets per employee ($millions) | 4.2214% | 3,518 |
| Cash dividends to net income (ytd only)* | 77.2059% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4790% | 373 |
| Loan loss allowance to noncurrent loans | 100.7827% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 1,060 |
| Noncurrent loans to loans | 2.4598% | 724 |
| Net loans and leases to total assets | 63.8240% | 3,393 |
| Net loans and leases to deposits | 92.6606% | 1,439 |
| Net loans and leases to core deposits | 114.2581% | 713 |
| Total domestic deposits to total assets | 68.8793% | 5,814 |
| Equity capital to assets | 11.5340% | 2,510 |
| Core capital (leverage) ratio | 11.0149% | 2,418 |
| Tier 1 risk-based capital ratio | 14.5519% | 3,289 |
| Total risk-based capital ratio | 15.8139% | 3,215 |
| Memoranda: | ||
| Average total assets | $197,337,670 | 3,008 |
| Average earning assets | $183,440,000 | 3,003 |
| Average equity | $22,740,000 | 2,947 |
| Average total loans | $126,690,000 | 2,987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,890 |
| Cost of funding earning assets | 0.5577% | 1,640 |
| Net interest margin | 3.2585% | 4,369 |
| Noninterest income to average assets | 0.5752% | 2,656 |
| Noninterest expense to average assets | 2.5873% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7845% | 3,322 |
| Return on assets (ROA) | 0.7845% | 3,430 |
| Pretax return on assets | 1.0162% | 3,417 |
| Return on Equity (ROE) | 6.8114% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.8114% | 1,971 |
| Net charge-offs to loans | -0.1535% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7992% | 2,829 |
| Assets per employee ($millions) | 4.5876% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7213% | 302 |
| Loan loss allowance to noncurrent loans | 122.6496% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 1,305 |
| Noncurrent loans to loans | 2.2187% | 917 |
| Net loans and leases to total assets | 62.4100% | 3,466 |
| Net loans and leases to deposits | 87.6270% | 1,871 |
| Net loans and leases to core deposits | 107.3534% | 1,002 |
| Total domestic deposits to total assets | 71.2224% | 5,809 |
| Equity capital to assets | 11.5979% | 2,353 |
| Core capital (leverage) ratio | 11.3499% | 2,093 |
| Tier 1 risk-based capital ratio | 14.6441% | 3,314 |
| Total risk-based capital ratio | 15.9080% | 3,251 |
| Memoranda: | ||
| Average total assets | $196,804,000 | 3,021 |
| Average earning assets | $182,905,500 | 3,017 |
| Average equity | $22,668,000 | 2,958 |
| Average total loans | $125,110,500 | 3,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 4,509 |
| Cost of funding earning assets | 0.4892% | 2,262 |
| Net interest margin | 3.1639% | 4,741 |
| Noninterest income to average assets | 0.4669% | 3,549 |
| Noninterest expense to average assets | 2.5859% | 3,972 |
| Loan and lease loss provision to assets | 0.0305% | 3,759 |
| Net operating income to assets | 0.6380% | 4,099 |
| Return on assets (ROA) | 0.6359% | 4,195 |
| Pretax return on assets | 0.7851% | 4,239 |
| Return on Equity (ROE) | 5.6473% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.4589% | 3,596 |
| Net charge-offs to loans | 0.1297% | 2,074 |
| Credit loss provision to net charge-offs | 37.7358% | 3,556 |
| Earnings coverage of net charge-offs (x) | 10.1069% | 2,734 |
| Efficiency ratio | 75.9647% | 2,274 |
| Assets per employee ($millions) | 4.5660% | 2,933 |
| Cash dividends to net income (ytd only)* | 38.7510% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7462% | 303 |
| Loan loss allowance to noncurrent loans | 122.9989% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 1,263 |
| Noncurrent loans to loans | 2.2327% | 877 |
| Net loans and leases to total assets | 61.2539% | 3,655 |
| Net loans and leases to deposits | 85.6974% | 2,166 |
| Net loans and leases to core deposits | 105.6234% | 1,120 |
| Total domestic deposits to total assets | 71.4770% | 5,826 |
| Equity capital to assets | 11.4378% | 2,408 |
| Core capital (leverage) ratio | 11.1140% | 2,296 |
| Tier 1 risk-based capital ratio | 14.7577% | 3,301 |
| Total risk-based capital ratio | 16.0229% | 3,226 |
| Memoranda: | ||
| Average total assets | $196,412,800 | 2,980 |
| Average earning assets | $182,339,000 | 2,972 |
| Average equity | $22,116,600 | 2,962 |
| Average total loans | $122,608,800 | 3,013 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,621 |
| Cost of funding earning assets | 0.4926% | 2,291 |
| Net interest margin | 3.1443% | 4,832 |
| Noninterest income to average assets | 0.4534% | 3,688 |
| Noninterest expense to average assets | 2.5834% | 3,932 |
| Loan and lease loss provision to assets | 0.0407% | 3,392 |
| Net operating income to assets | 0.6093% | 4,339 |
| Return on assets (ROA) | 0.6170% | 4,406 |
| Pretax return on assets | 0.7589% | 4,462 |
| Return on Equity (ROE) | 5.5011% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.1985% | 2,778 |
| Net charge-offs to loans | -0.0992% | 5,780 |
| Credit loss provision to net charge-offs | -65.9341% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5795% | 2,148 |
| Assets per employee ($millions) | 4.8871% | 2,440 |
| Cash dividends to net income (ytd only)* | 5.5010% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9519% | 261 |
| Loan loss allowance to noncurrent loans | 102.5591% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8191% | 1,169 |
| Noncurrent loans to loans | 2.8782% | 634 |
| Net loans and leases to total assets | 61.3360% | 3,686 |
| Net loans and leases to deposits | 85.3043% | 2,237 |
| Net loans and leases to core deposits | 104.8699% | 1,175 |
| Total domestic deposits to total assets | 71.9026% | 5,865 |
| Equity capital to assets | 11.5186% | 2,492 |
| Core capital (leverage) ratio | 10.9762% | 2,514 |
| Tier 1 risk-based capital ratio | 14.8236% | 3,378 |
| Total risk-based capital ratio | 16.0919% | 3,318 |
| Memoranda: | ||
| Average total assets | $196,431,000 | 3,011 |
| Average earning assets | $182,421,250 | 2,999 |
| Average equity | $22,031,500 | 2,988 |
| Average total loans | $122,345,500 | 3,038 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,628 |
| Cost of funding earning assets | 0.4921% | 2,324 |
| Net interest margin | 3.1411% | 4,855 |
| Noninterest income to average assets | 0.4341% | 3,825 |
| Noninterest expense to average assets | 2.5596% | 4,044 |
| Loan and lease loss provision to assets | 0.0610% | 2,884 |
| Net operating income to assets | 0.5967% | 4,361 |
| Return on assets (ROA) | 0.5967% | 4,455 |
| Pretax return on assets | 0.7268% | 4,576 |
| Return on Equity (ROE) | 5.3682% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.9109% | 2,913 |
| Net charge-offs to loans | -0.0640% | 5,634 |
| Credit loss provision to net charge-offs | -153.8462% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4652% | 2,284 |
| Assets per employee ($millions) | 4.5932% | 2,839 |
| Cash dividends to net income (ytd only)* | 8.5179% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9409% | 286 |
| Loan loss allowance to noncurrent loans | 115.7861% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 1,542 |
| Noncurrent loans to loans | 2.5400% | 874 |
| Net loans and leases to total assets | 60.0548% | 3,832 |
| Net loans and leases to deposits | 82.3290% | 2,517 |
| Net loans and leases to core deposits | 105.6837% | 1,085 |
| Total domestic deposits to total assets | 72.9449% | 5,874 |
| Equity capital to assets | 11.1398% | 2,732 |
| Core capital (leverage) ratio | 10.9569% | 2,474 |
| Tier 1 risk-based capital ratio | 14.8117% | 3,463 |
| Total risk-based capital ratio | 16.0793% | 3,391 |
| Memoranda: | ||
| Average total assets | $196,746,670 | 3,024 |
| Average earning assets | $182,485,670 | 3,022 |
| Average equity | $21,869,670 | 3,010 |
| Average total loans | $121,944,330 | 3,054 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,739 |
| Cost of funding earning assets | 0.5083% | 2,217 |
| Net interest margin | 3.0761% | 5,014 |
| Noninterest income to average assets | 0.4013% | 3,995 |
| Noninterest expense to average assets | 2.4668% | 4,383 |
| Loan and lease loss provision to assets | 0.1222% | 1,702 |
| Net operating income to assets | 0.5276% | 4,554 |
| Return on assets (ROA) | 0.5276% | 4,673 |
| Pretax return on assets | 0.6722% | 4,682 |
| Return on Equity (ROE) | 4.7515% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.8342% | 3,703 |
| Net charge-offs to loans | -0.0164% | 4,951 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6402% | 2,561 |
| Assets per employee ($millions) | 4.5249% | 3,008 |
| Cash dividends to net income (ytd only)* | 19.3050% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9386% | 318 |
| Loan loss allowance to noncurrent loans | 67.5968% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7512% | 729 |
| Noncurrent loans to loans | 4.3472% | 368 |
| Net loans and leases to total assets | 60.4506% | 3,587 |
| Net loans and leases to deposits | 79.0138% | 2,681 |
| Net loans and leases to core deposits | 99.8565% | 1,333 |
| Total domestic deposits to total assets | 76.5064% | 5,683 |
| Equity capital to assets | 11.2904% | 2,659 |
| Core capital (leverage) ratio | 10.7130% | 2,738 |
| Tier 1 risk-based capital ratio | 14.4507% | 3,746 |
| Total risk-based capital ratio | 15.5804% | 3,739 |
| Memoranda: | ||
| Average total assets | $196,366,000 | 3,048 |
| Average earning assets | $182,566,000 | 3,035 |
| Average equity | $21,803,500 | 3,039 |
| Average total loans | $121,813,000 | 3,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 5,071 |
| Cost of funding earning assets | 0.5499% | 2,204 |
| Net interest margin | 3.0545% | 5,303 |
| Noninterest income to average assets | 0.4509% | 3,820 |
| Noninterest expense to average assets | 2.5925% | 4,251 |
| Loan and lease loss provision to assets | 0.1995% | 1,275 |
| Net operating income to assets | 0.4581% | 4,977 |
| Return on assets (ROA) | 0.4563% | 5,084 |
| Pretax return on assets | 0.4939% | 5,269 |
| Return on Equity (ROE) | 4.4119% | 4,935 |
| Retained earnings to average equity (ytd only) | 2.5935% | 4,398 |
| Net charge-offs to loans | 0.9820% | 307 |
| Credit loss provision to net charge-offs | 34.6220% | 3,776 |
| Earnings coverage of net charge-offs (x) | 1.2070% | 4,472 |
| Efficiency ratio | 78.8499% | 2,086 |
| Assets per employee ($millions) | 4.4036% | 3,184 |
| Cash dividends to net income (ytd only)* | 41.2148% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 352 |
| Loan loss allowance to noncurrent loans | 81.3358% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.1684% | 1,131 |
| Noncurrent loans to loans | 3.5093% | 579 |
| Net loans and leases to total assets | 60.0273% | 3,789 |
| Net loans and leases to deposits | 72.5863% | 3,614 |
| Net loans and leases to core deposits | 95.8385% | 1,736 |
| Total domestic deposits to total assets | 82.6978% | 4,183 |
| Equity capital to assets | 10.9200% | 2,983 |
| Core capital (leverage) ratio | 10.5890% | 2,851 |
| Tier 1 risk-based capital ratio | 15.8986% | 3,012 |
| Total risk-based capital ratio | 17.1660% | 2,954 |
| Memoranda: | ||
| Average total assets | $202,048,200 | 2,958 |
| Average earning assets | $187,658,000 | 2,941 |
| Average equity | $20,898,200 | 3,065 |
| Average total loans | $118,538,000 | 3,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 5,444 |
| Cost of funding earning assets | 0.5733% | 2,078 |
| Net interest margin | 2.9017% | 5,697 |
| Noninterest income to average assets | 0.4538% | 3,869 |
| Noninterest expense to average assets | 2.5862% | 4,237 |
| Loan and lease loss provision to assets | 0.2318% | 949 |
| Net operating income to assets | 0.3697% | 5,367 |
| Return on assets (ROA) | 0.3599% | 5,475 |
| Pretax return on assets | 0.3218% | 5,739 |
| Return on Equity (ROE) | 3.5275% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.5275% | 4,133 |
| Net charge-offs to loans | 0.0249% | 4,005 |
| Credit loss provision to net charge-offs | 1,604.5455% | 226 |
| Earnings coverage of net charge-offs (x) | 39.0034% | 1,153 |
| Efficiency ratio | 82.1101% | 1,608 |
| Assets per employee ($millions) | 4.2794% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8786% | 179 |
| Loan loss allowance to noncurrent loans | 86.2516% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.7636% | 896 |
| Noncurrent loans to loans | 4.4968% | 439 |
| Net loans and leases to total assets | 59.0184% | 3,930 |
| Net loans and leases to deposits | 69.9905% | 3,916 |
| Net loans and leases to core deposits | 96.2077% | 1,661 |
| Total domestic deposits to total assets | 84.3234% | 3,634 |
| Equity capital to assets | 11.1469% | 2,818 |
| Core capital (leverage) ratio | 10.2871% | 3,308 |
| Tier 1 risk-based capital ratio | 16.2055% | 2,955 |
| Total risk-based capital ratio | 17.4849% | 2,888 |
| Memoranda: | ||
| Average total assets | $203,020,250 | 2,978 |
| Average earning assets | $188,623,000 | 2,953 |
| Average equity | $20,713,000 | 3,092 |
| Average total loans | $117,561,250 | 3,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,670 |
| Cost of funding earning assets | 0.5856% | 2,020 |
| Net interest margin | 2.7876% | 5,935 |
| Noninterest income to average assets | 0.4513% | 3,863 |
| Noninterest expense to average assets | 2.5975% | 4,247 |
| Loan and lease loss provision to assets | 0.3322% | 561 |
| Net operating income to assets | 0.2257% | 5,766 |
| Return on assets (ROA) | 0.2102% | 5,860 |
| Pretax return on assets | 0.0969% | 6,102 |
| Return on Equity (ROE) | 2.1210% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.1210% | 4,834 |
| Net charge-offs to loans | 0.0187% | 3,847 |
| Credit loss provision to net charge-offs | 3,118.1818% | 116 |
| Earnings coverage of net charge-offs (x) | 41.7273% | 1,025 |
| Efficiency ratio | 85.3868% | 1,334 |
| Assets per employee ($millions) | 4.4106% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8824% | 191 |
| Loan loss allowance to noncurrent loans | 85.5013% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.5910% | 1,058 |
| Noncurrent loans to loans | 4.5407% | 481 |
| Net loans and leases to total assets | 54.7943% | 4,434 |
| Net loans and leases to deposits | 64.0172% | 4,497 |
| Net loans and leases to core deposits | 92.4035% | 1,910 |
| Total domestic deposits to total assets | 85.5931% | 3,249 |
| Equity capital to assets | 10.2042% | 3,823 |
| Core capital (leverage) ratio | 9.7925% | 3,898 |
| Tier 1 risk-based capital ratio | 15.3228% | 3,459 |
| Total risk-based capital ratio | 16.6006% | 3,393 |
| Memoranda: | ||
| Average total assets | $206,502,330 | 2,961 |
| Average earning assets | $191,923,670 | 2,921 |
| Average equity | $20,462,000 | 3,123 |
| Average total loans | $117,335,000 | 3,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 5,238 |
| Cost of funding earning assets | 0.6312% | 1,722 |
| Net interest margin | 2.9427% | 5,663 |
| Noninterest income to average assets | 0.4600% | 3,711 |
| Noninterest expense to average assets | 2.4686% | 4,720 |
| Loan and lease loss provision to assets | 0.1164% | 2,020 |
| Net operating income to assets | 0.5265% | 4,568 |
| Return on assets (ROA) | 0.5298% | 4,622 |
| Pretax return on assets | 0.6113% | 4,796 |
| Return on Equity (ROE) | 5.4284% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.4284% | 2,832 |
| Net charge-offs to loans | 0.0479% | 2,715 |
| Credit loss provision to net charge-offs | 428.5714% | 614 |
| Earnings coverage of net charge-offs (x) | 26.6429% | 1,125 |
| Efficiency ratio | 77.3252% | 2,590 |
| Assets per employee ($millions) | 4.5297% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6791% | 241 |
| Loan loss allowance to noncurrent loans | 73.4506% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 1,031 |
| Noncurrent loans to loans | 5.0089% | 445 |
| Net loans and leases to total assets | 54.0544% | 4,407 |
| Net loans and leases to deposits | 62.8551% | 4,453 |
| Net loans and leases to core deposits | 90.9980% | 1,829 |
| Total domestic deposits to total assets | 85.9985% | 3,365 |
| Equity capital to assets | 10.0132% | 3,826 |
| Core capital (leverage) ratio | 9.9153% | 3,688 |
| Tier 1 risk-based capital ratio | 15.5771% | 3,395 |
| Total risk-based capital ratio | 16.8531% | 3,343 |
| Memoranda: | ||
| Average total assets | $206,105,000 | 2,985 |
| Average earning assets | $191,391,500 | 2,956 |
| Average equity | $20,116,500 | 3,163 |
| Average total loans | $116,915,000 | 3,138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 4,568 |
| Cost of funding earning assets | 0.7976% | 1,224 |
| Net interest margin | 3.0745% | 5,392 |
| Noninterest income to average assets | 0.5091% | 3,696 |
| Noninterest expense to average assets | 2.5792% | 4,536 |
| Loan and lease loss provision to assets | 0.1417% | 2,539 |
| Net operating income to assets | 0.5517% | 4,497 |
| Return on assets (ROA) | 0.5599% | 4,577 |
| Pretax return on assets | 0.6493% | 4,703 |
| Return on Equity (ROE) | 5.4900% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.2230% | 3,935 |
| Net charge-offs to loans | 0.0790% | 4,113 |
| Credit loss provision to net charge-offs | 309.8901% | 737 |
| Earnings coverage of net charge-offs (x) | 17.0879% | 1,741 |
| Efficiency ratio | 76.7459% | 2,667 |
| Assets per employee ($millions) | 4.3371% | 3,202 |
| Cash dividends to net income (ytd only)* | 41.2926% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6408% | 258 |
| Loan loss allowance to noncurrent loans | 265.3367% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 3,861 |
| Noncurrent loans to loans | 1.3721% | 2,844 |
| Net loans and leases to total assets | 55.2584% | 4,423 |
| Net loans and leases to deposits | 63.5652% | 4,549 |
| Net loans and leases to core deposits | 93.2027% | 1,659 |
| Total domestic deposits to total assets | 86.9318% | 2,758 |
| Equity capital to assets | 9.5018% | 4,425 |
| Core capital (leverage) ratio | 9.8185% | 3,817 |
| Tier 1 risk-based capital ratio | 15.2770% | 3,494 |
| Total risk-based capital ratio | 16.5520% | 3,434 |
| Memoranda: | ||
| Average total assets | $198,974,000 | 3,045 |
| Average earning assets | $184,551,600 | 3,024 |
| Average equity | $20,291,600 | 3,124 |
| Average total loans | $115,189,400 | 3,144 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 4,188 |
| Cost of funding earning assets | 0.8182% | 1,218 |
| Net interest margin | 3.1667% | 5,092 |
| Noninterest income to average assets | 0.4726% | 3,986 |
| Noninterest expense to average assets | 2.5445% | 4,575 |
| Loan and lease loss provision to assets | 0.1274% | 2,699 |
| Net operating income to assets | 0.6127% | 4,300 |
| Return on assets (ROA) | 0.6088% | 4,436 |
| Pretax return on assets | 0.7315% | 4,573 |
| Return on Equity (ROE) | 5.8667% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.8667% | 2,502 |
| Net charge-offs to loans | 0.1173% | 3,374 |
| Credit loss provision to net charge-offs | 187.1287% | 1,291 |
| Earnings coverage of net charge-offs (x) | 12.6835% | 2,107 |
| Efficiency ratio | 74.6588% | 2,957 |
| Assets per employee ($millions) | 4.1282% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5968% | 308 |
| Loan loss allowance to noncurrent loans | 264.1858% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 4,019 |
| Noncurrent loans to loans | 1.3615% | 3,138 |
| Net loans and leases to total assets | 57.3683% | 4,109 |
| Net loans and leases to deposits | 67.4471% | 4,123 |
| Net loans and leases to core deposits | 98.8930% | 1,177 |
| Total domestic deposits to total assets | 85.0567% | 3,727 |
| Equity capital to assets | 10.1378% | 3,721 |
| Core capital (leverage) ratio | 10.2640% | 3,296 |
| Tier 1 risk-based capital ratio | 16.1865% | 3,086 |
| Total risk-based capital ratio | 17.4622% | 3,038 |
| Memoranda: | ||
| Average total assets | $197,756,000 | 3,086 |
| Average earning assets | $183,322,750 | 3,064 |
| Average equity | $20,522,250 | 3,136 |
| Average total loans | $114,762,250 | 3,171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 4,122 |
| Cost of funding earning assets | 0.8559% | 1,111 |
| Net interest margin | 3.1412% | 5,153 |
| Noninterest income to average assets | 0.4864% | 3,921 |
| Noninterest expense to average assets | 2.5588% | 4,528 |
| Loan and lease loss provision to assets | 0.0965% | 3,177 |
| Net operating income to assets | 0.6227% | 4,186 |
| Return on assets (ROA) | 0.6151% | 4,383 |
| Pretax return on assets | 0.7286% | 4,583 |
| Return on Equity (ROE) | 5.8828% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.8828% | 2,501 |
| Net charge-offs to loans | 0.0192% | 4,461 |
| Credit loss provision to net charge-offs | 872.7273% | 348 |
| Earnings coverage of net charge-offs (x) | 75.4545% | 601 |
| Efficiency ratio | 75.4147% | 2,874 |
| Assets per employee ($millions) | 4.2070% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6968% | 321 |
| Loan loss allowance to noncurrent loans | 265.7490% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 4,197 |
| Noncurrent loans to loans | 1.3911% | 3,218 |
| Net loans and leases to total assets | 55.8782% | 4,316 |
| Net loans and leases to deposits | 64.9926% | 4,377 |
| Net loans and leases to core deposits | 90.8065% | 1,828 |
| Total domestic deposits to total assets | 85.9762% | 3,384 |
| Equity capital to assets | 10.1963% | 3,662 |
| Core capital (leverage) ratio | 10.0737% | 3,409 |
| Tier 1 risk-based capital ratio | 16.0100% | 3,186 |
| Total risk-based capital ratio | 17.2856% | 3,118 |
| Memoranda: | ||
| Average total assets | $198,999,000 | 3,082 |
| Average earning assets | $184,130,670 | 3,059 |
| Average equity | $20,806,330 | 3,113 |
| Average total loans | $114,528,670 | 3,175 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 4,117 |
| Cost of funding earning assets | 0.8696% | 1,148 |
| Net interest margin | 3.1314% | 5,158 |
| Noninterest income to average assets | 0.4818% | 3,907 |
| Noninterest expense to average assets | 2.4804% | 4,824 |
| Loan and lease loss provision to assets | 0.0615% | 3,609 |
| Net operating income to assets | 0.6555% | 3,927 |
| Return on assets (ROA) | 0.6385% | 4,193 |
| Pretax return on assets | 0.8169% | 4,107 |
| Return on Equity (ROE) | 6.0346% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.0346% | 2,661 |
| Net charge-offs to loans | 0.0415% | 3,453 |
| Credit loss provision to net charge-offs | 258.3333% | 899 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 828 |
| Efficiency ratio | 73.3724% | 3,378 |
| Assets per employee ($millions) | 4.4106% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5838% | 392 |
| Loan loss allowance to noncurrent loans | 209.9743% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 3,811 |
| Noncurrent loans to loans | 1.7068% | 2,985 |
| Net loans and leases to total assets | 54.1540% | 4,387 |
| Net loans and leases to deposits | 62.8106% | 4,440 |
| Net loans and leases to core deposits | 88.6801% | 1,837 |
| Total domestic deposits to total assets | 86.2180% | 3,404 |
| Equity capital to assets | 10.5575% | 3,483 |
| Core capital (leverage) ratio | 10.2931% | 3,022 |
| Tier 1 risk-based capital ratio | 15.7899% | 3,381 |
| Total risk-based capital ratio | 17.0631% | 3,328 |
| Memoranda: | ||
| Average total assets | $201,738,000 | 3,081 |
| Average earning assets | $186,752,000 | 3,059 |
| Average equity | $21,343,500 | 3,098 |
| Average total loans | $115,649,500 | 3,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 3,757 |
| Cost of funding earning assets | 1.2397% | 481 |
| Net interest margin | 3.1749% | 5,631 |
| Noninterest income to average assets | 0.4744% | 4,067 |
| Noninterest expense to average assets | 3.2458% | 2,479 |
| Loan and lease loss provision to assets | 0.5746% | 969 |
| Net operating income to assets | -0.0969% | 6,282 |
| Return on assets (ROA) | 0.0035% | 6,300 |
| Pretax return on assets | -0.2420% | 6,448 |
| Return on Equity (ROE) | 0.0335% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.0335% | 5,816 |
| Net charge-offs to loans | 0.7319% | 1,606 |
| Credit loss provision to net charge-offs | 130.4598% | 2,143 |
| Earnings coverage of net charge-offs (x) | 0.3989% | 5,284 |
| Efficiency ratio | 94.8653% | 761 |
| Assets per employee ($millions) | 4.3606% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4642% | 436 |
| Loan loss allowance to noncurrent loans | 149.1196% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 3,181 |
| Noncurrent loans to loans | 2.3231% | 2,316 |
| Net loans and leases to total assets | 56.4730% | 4,212 |
| Net loans and leases to deposits | 65.7355% | 4,325 |
| Net loans and leases to core deposits | 95.7403% | 1,328 |
| Total domestic deposits to total assets | 85.9094% | 3,396 |
| Equity capital to assets | 10.6023% | 3,394 |
| Core capital (leverage) ratio | 10.1533% | 3,192 |
| Tier 1 risk-based capital ratio | 15.3531% | 3,508 |
| Total risk-based capital ratio | 16.6257% | 3,459 |
| Memoranda: | ||
| Average total assets | $197,514,800 | 3,078 |
| Average earning assets | $183,345,600 | 3,048 |
| Average equity | $20,901,800 | 3,095 |
| Average total loans | $118,866,800 | 3,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,838 |
| Cost of funding earning assets | 1.2884% | 462 |
| Net interest margin | 3.1597% | 5,798 |
| Noninterest income to average assets | 0.4818% | 4,048 |
| Noninterest expense to average assets | 3.4297% | 1,932 |
| Loan and lease loss provision to assets | 0.6899% | 741 |
| Net operating income to assets | -0.2672% | 6,546 |
| Return on assets (ROA) | -0.2385% | 6,592 |
| Pretax return on assets | -0.6580% | 6,768 |
| Return on Equity (ROE) | -2.2552% | 6,588 |
| Retained earnings to average equity (ytd only) | -2.2552% | 6,422 |
| Net charge-offs to loans | 0.9470% | 1,137 |
| Credit loss provision to net charge-offs | 120.1889% | 2,411 |
| Earnings coverage of net charge-offs (x) | -0.0224% | 5,339 |
| Efficiency ratio | 100.3768% | 520 |
| Assets per employee ($millions) | 4.0305% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3707% | 522 |
| Loan loss allowance to noncurrent loans | 135.2520% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 3,286 |
| Noncurrent loans to loans | 2.4922% | 2,307 |
| Net loans and leases to total assets | 58.8420% | 3,987 |
| Net loans and leases to deposits | 68.8504% | 4,050 |
| Net loans and leases to core deposits | 90.6563% | 1,906 |
| Total domestic deposits to total assets | 85.4634% | 3,532 |
| Equity capital to assets | 11.0088% | 3,269 |
| Core capital (leverage) ratio | 9.8705% | 3,728 |
| Tier 1 risk-based capital ratio | 15.4909% | 3,540 |
| Total risk-based capital ratio | 16.7711% | 3,484 |
| Memoranda: | ||
| Average total assets | $196,746,500 | 3,116 |
| Average earning assets | $182,754,750 | 3,080 |
| Average equity | $20,810,500 | 3,136 |
| Average total loans | $119,247,750 | 3,130 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 4,066 |
| Cost of funding earning assets | 1.3903% | 361 |
| Net interest margin | 3.0392% | 6,147 |
| Noninterest income to average assets | 0.4842% | 4,027 |
| Noninterest expense to average assets | 3.9769% | 967 |
| Loan and lease loss provision to assets | 0.7349% | 713 |
| Net operating income to assets | -0.6644% | 6,804 |
| Return on assets (ROA) | -0.6217% | 6,813 |
| Pretax return on assets | -1.3344% | 6,980 |
| Return on Equity (ROE) | -5.9570% | 6,799 |
| Retained earnings to average equity (ytd only) | -5.9570% | 6,670 |
| Net charge-offs to loans | 1.1042% | 984 |
| Credit loss provision to net charge-offs | 109.9849% | 2,482 |
| Earnings coverage of net charge-offs (x) | -0.9970% | 5,309 |
| Efficiency ratio | 120.1221% | 229 |
| Assets per employee ($millions) | 4.1349% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3770% | 551 |
| Loan loss allowance to noncurrent loans | 107.4785% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 2,930 |
| Noncurrent loans to loans | 3.1421% | 1,861 |
| Net loans and leases to total assets | 55.7315% | 4,507 |
| Net loans and leases to deposits | 64.8323% | 4,660 |
| Net loans and leases to core deposits | 92.5322% | 1,726 |
| Total domestic deposits to total assets | 85.9625% | 3,371 |
| Equity capital to assets | 10.1831% | 4,075 |
| Core capital (leverage) ratio | 9.8325% | 3,674 |
| Tier 1 risk-based capital ratio | 14.6264% | 4,017 |
| Total risk-based capital ratio | 15.8987% | 3,963 |
| Memoranda: | ||
| Average total assets | $197,840,670 | 3,107 |
| Average earning assets | $183,995,330 | 3,073 |
| Average equity | $20,648,000 | 3,145 |
| Average total loans | $119,727,330 | 3,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 3,602 |
| Cost of funding earning assets | 1.4798% | 318 |
| Net interest margin | 3.0987% | 6,044 |
| Noninterest income to average assets | 0.4941% | 3,947 |
| Noninterest expense to average assets | 2.3653% | 5,582 |
| Loan and lease loss provision to assets | 0.6399% | 865 |
| Net operating income to assets | 0.3908% | 5,295 |
| Return on assets (ROA) | 0.3908% | 5,483 |
| Pretax return on assets | 0.3767% | 5,793 |
| Return on Equity (ROE) | 3.6997% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.6997% | 4,366 |
| Net charge-offs to loans | 1.6117% | 612 |
| Credit loss provision to net charge-offs | 64.0974% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.0183% | 3,816 |
| Efficiency ratio | 69.9401% | 3,824 |
| Assets per employee ($millions) | 4.7010% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0652% | 786 |
| Loan loss allowance to noncurrent loans | 94.6695% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 2,971 |
| Noncurrent loans to loans | 3.2378% | 1,981 |
| Net loans and leases to total assets | 56.6809% | 4,262 |
| Net loans and leases to deposits | 73.4132% | 3,211 |
| Net loans and leases to core deposits | 93.0430% | 1,543 |
| Total domestic deposits to total assets | 77.2081% | 6,368 |
| Equity capital to assets | 10.3744% | 3,643 |
| Core capital (leverage) ratio | 10.2774% | 3,021 |
| Tier 1 risk-based capital ratio | 15.7859% | 3,291 |
| Total risk-based capital ratio | 17.0610% | 3,243 |
| Memoranda: | ||
| Average total assets | $197,523,500 | 3,140 |
| Average earning assets | $184,077,500 | 3,092 |
| Average equity | $20,866,500 | 3,122 |
| Average total loans | $122,351,500 | 3,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 2,999 |
| Cost of funding earning assets | 1.6326% | 422 |
| Net interest margin | 3.3423% | 5,675 |
| Noninterest income to average assets | 0.5904% | 3,218 |
| Noninterest expense to average assets | 2.8064% | 4,323 |
| Loan and lease loss provision to assets | 0.5254% | 1,993 |
| Net operating income to assets | 0.4001% | 4,864 |
| Return on assets (ROA) | 0.3466% | 5,241 |
| Pretax return on assets | 0.3246% | 5,497 |
| Return on Equity (ROE) | 3.3943% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.7438% | 4,283 |
| Net charge-offs to loans | 0.2887% | 3,968 |
| Credit loss provision to net charge-offs | 263.6591% | 911 |
| Earnings coverage of net charge-offs (x) | 4.5338% | 3,077 |
| Efficiency ratio | 75.6462% | 2,947 |
| Assets per employee ($millions) | 3.9368% | 3,993 |
| Cash dividends to net income (ytd only)* | 19.1643% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0039% | 813 |
| Loan loss allowance to noncurrent loans | 77.5985% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 2.7013% | 2,251 |
| Noncurrent loans to loans | 3.8710% | 1,621 |
| Net loans and leases to total assets | 63.6085% | 3,266 |
| Net loans and leases to deposits | 83.1013% | 2,054 |
| Net loans and leases to core deposits | 105.8633% | 796 |
| Total domestic deposits to total assets | 76.5434% | 6,399 |
| Equity capital to assets | 10.7628% | 3,233 |
| Core capital (leverage) ratio | 9.7948% | 3,614 |
| Tier 1 risk-based capital ratio | 14.4221% | 4,029 |
| Total risk-based capital ratio | 15.6898% | 3,988 |
| Memoranda: | ||
| Average total assets | $200,219,600 | 3,055 |
| Average earning assets | $186,874,800 | 3,000 |
| Average equity | $20,446,200 | 3,078 |
| Average total loans | $138,221,600 | 2,829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 2,791 |
| Cost of funding earning assets | 1.6625% | 453 |
| Net interest margin | 3.3999% | 5,572 |
| Noninterest income to average assets | 0.5992% | 3,162 |
| Noninterest expense to average assets | 2.8527% | 4,134 |
| Loan and lease loss provision to assets | 0.3491% | 2,781 |
| Net operating income to assets | 0.5134% | 4,486 |
| Return on assets (ROA) | 0.4817% | 4,821 |
| Pretax return on assets | 0.5385% | 5,009 |
| Return on Equity (ROE) | 4.7788% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.7788% | 3,325 |
| Net charge-offs to loans | 0.3457% | 3,370 |
| Credit loss provision to net charge-offs | 144.5355% | 2,195 |
| Earnings coverage of net charge-offs (x) | 3.8224% | 3,284 |
| Efficiency ratio | 75.5505% | 2,907 |
| Assets per employee ($millions) | 4.0805% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4854% | 1,416 |
| Loan loss allowance to noncurrent loans | 67.5097% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.9219% | 2,206 |
| Noncurrent loans to loans | 3.6815% | 1,857 |
| Net loans and leases to total assets | 66.3054% | 2,823 |
| Net loans and leases to deposits | 86.9631% | 1,561 |
| Net loans and leases to core deposits | 110.2444% | 664 |
| Total domestic deposits to total assets | 76.2454% | 6,501 |
| Equity capital to assets | 10.6875% | 3,479 |
| Core capital (leverage) ratio | 10.3888% | 2,998 |
| Tier 1 risk-based capital ratio | 13.8959% | 4,421 |
| Total risk-based capital ratio | 15.1635% | 4,373 |
| Memoranda: | ||
| Average total assets | $202,048,250 | 3,051 |
| Average earning assets | $188,787,750 | 2,991 |
| Average equity | $20,367,250 | 3,094 |
| Average total loans | $141,151,000 | 2,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 2,751 |
| Cost of funding earning assets | 1.6690% | 534 |
| Net interest margin | 3.4165% | 5,500 |
| Noninterest income to average assets | 0.6448% | 2,882 |
| Noninterest expense to average assets | 2.9553% | 3,810 |
| Loan and lease loss provision to assets | 0.2410% | 3,499 |
| Net operating income to assets | 0.5644% | 4,242 |
| Return on assets (ROA) | 0.5183% | 4,565 |
| Pretax return on assets | 0.5967% | 4,747 |
| Return on Equity (ROE) | 5.2432% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.2432% | 2,847 |
| Net charge-offs to loans | 0.3338% | 3,227 |
| Credit loss provision to net charge-offs | 102.5000% | 3,017 |
| Earnings coverage of net charge-offs (x) | 3.7875% | 3,054 |
| Efficiency ratio | 76.8408% | 2,884 |
| Assets per employee ($millions) | 4.0961% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 1,807 |
| Loan loss allowance to noncurrent loans | 89.0678% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 3,063 |
| Noncurrent loans to loans | 2.5374% | 2,848 |
| Net loans and leases to total assets | 67.9400% | 2,629 |
| Net loans and leases to deposits | 87.6728% | 1,543 |
| Net loans and leases to core deposits | 113.8562% | 577 |
| Total domestic deposits to total assets | 77.4927% | 6,374 |
| Equity capital to assets | 10.2941% | 3,759 |
| Core capital (leverage) ratio | 9.8345% | 3,474 |
| Tier 1 risk-based capital ratio | 13.5190% | 4,514 |
| Total risk-based capital ratio | 14.7845% | 4,488 |
| Memoranda: | ||
| Average total assets | $204,109,330 | 3,053 |
| Average earning assets | $191,247,000 | 2,976 |
| Average equity | $20,178,670 | 3,100 |
| Average total loans | $143,808,330 | 2,775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 2,555 |
| Cost of funding earning assets | 1.5708% | 913 |
| Net interest margin | 3.5493% | 4,816 |
| Noninterest income to average assets | 0.6647% | 2,759 |
| Noninterest expense to average assets | 2.8842% | 4,131 |
| Loan and lease loss provision to assets | 0.2332% | 3,318 |
| Net operating income to assets | 0.6422% | 3,793 |
| Return on assets (ROA) | 0.5656% | 4,282 |
| Pretax return on assets | 0.7755% | 3,985 |
| Return on Equity (ROE) | 5.8382% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.8382% | 2,734 |
| Net charge-offs to loans | 0.1233% | 3,789 |
| Credit loss provision to net charge-offs | 266.6667% | 1,179 |
| Earnings coverage of net charge-offs (x) | 12.7333% | 1,481 |
| Efficiency ratio | 72.1439% | 3,831 |
| Assets per employee ($millions) | 4.3911% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 1,853 |
| Loan loss allowance to noncurrent loans | 84.9460% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8403% | 3,507 |
| Noncurrent loans to loans | 2.6517% | 2,840 |
| Net loans and leases to total assets | 67.7483% | 2,605 |
| Net loans and leases to deposits | 86.1841% | 1,701 |
| Net loans and leases to core deposits | 109.1321% | 777 |
| Total domestic deposits to total assets | 78.6089% | 6,273 |
| Equity capital to assets | 9.7965% | 4,039 |
| Core capital (leverage) ratio | 9.7902% | 3,400 |
| Tier 1 risk-based capital ratio | 12.7466% | 5,017 |
| Total risk-based capital ratio | 13.9941% | 4,999 |
| Memoranda: | ||
| Average total assets | $205,810,000 | 3,035 |
| Average earning assets | $193,275,000 | 2,969 |
| Average equity | $19,937,500 | 3,125 |
| Average total loans | $145,955,500 | 2,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 3,197 |
| Cost of funding earning assets | 1.9689% | 678 |
| Net interest margin | 3.3164% | 5,928 |
| Noninterest income to average assets | 0.6665% | 3,043 |
| Noninterest expense to average assets | 2.4217% | 6,044 |
| Loan and lease loss provision to assets | 0.9508% | 1,711 |
| Net operating income to assets | 0.4152% | 4,480 |
| Return on assets (ROA) | 0.3661% | 4,840 |
| Pretax return on assets | 0.3509% | 5,075 |
| Return on Equity (ROE) | 3.9949% | 4,530 |
| Retained earnings to average equity (ytd only) | 3.3093% | 3,552 |
| Net charge-offs to loans | 1.1421% | 1,953 |
| Credit loss provision to net charge-offs | 114.2452% | 3,802 |
| Earnings coverage of net charge-offs (x) | 1.6232% | 4,521 |
| Efficiency ratio | 64.1918% | 5,314 |
| Assets per employee ($millions) | 4.3668% | 3,087 |
| Cash dividends to net income (ytd only)* | 17.1613% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1139% | 2,037 |
| Loan loss allowance to noncurrent loans | 76.4392% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 3,329 |
| Noncurrent loans to loans | 2.7655% | 2,752 |
| Net loans and leases to total assets | 71.0013% | 2,305 |
| Net loans and leases to deposits | 90.0676% | 1,512 |
| Net loans and leases to core deposits | 117.2472% | 597 |
| Total domestic deposits to total assets | 78.8311% | 6,124 |
| Equity capital to assets | 9.5776% | 4,303 |
| Core capital (leverage) ratio | 9.5557% | 3,635 |
| Tier 1 risk-based capital ratio | 12.5416% | 4,987 |
| Total risk-based capital ratio | 13.8056% | 4,961 |
| Memoranda: | ||
| Average total assets | $211,712,000 | 2,964 |
| Average earning assets | $198,286,000 | 2,900 |
| Average equity | $19,399,600 | 3,224 |
| Average total loans | $154,281,800 | 2,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 3,461 |
| Cost of funding earning assets | 2.0419% | 662 |
| Net interest margin | 3.2351% | 6,231 |
| Noninterest income to average assets | 0.6650% | 3,042 |
| Noninterest expense to average assets | 2.4737% | 5,809 |
| Loan and lease loss provision to assets | 0.5075% | 2,921 |
| Net operating income to assets | 0.5672% | 4,020 |
| Return on assets (ROA) | 0.5562% | 4,234 |
| Pretax return on assets | 0.6981% | 4,231 |
| Return on Equity (ROE) | 6.1372% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.1372% | 2,292 |
| Net charge-offs to loans | 0.1833% | 4,855 |
| Credit loss provision to net charge-offs | 379.4393% | 823 |
| Earnings coverage of net charge-offs (x) | 9.1167% | 2,062 |
| Efficiency ratio | 66.9826% | 4,655 |
| Assets per employee ($millions) | 4.5035% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 1,657 |
| Loan loss allowance to noncurrent loans | 74.3191% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 2.5318% | 2,834 |
| Noncurrent loans to loans | 3.0644% | 2,606 |
| Net loans and leases to total assets | 72.3503% | 2,181 |
| Net loans and leases to deposits | 92.3829% | 1,397 |
| Net loans and leases to core deposits | 127.9761% | 413 |
| Total domestic deposits to total assets | 78.3156% | 6,199 |
| Equity capital to assets | 9.7353% | 4,492 |
| Core capital (leverage) ratio | 9.5631% | 3,814 |
| Tier 1 risk-based capital ratio | 12.5521% | 4,935 |
| Total risk-based capital ratio | 13.8196% | 4,899 |
| Memoranda: | ||
| Average total assets | $213,330,000 | 3,000 |
| Average earning assets | $199,680,750 | 2,924 |
| Average equity | $19,335,250 | 3,275 |
| Average total loans | $155,634,750 | 2,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 3,636 |
| Cost of funding earning assets | 2.1064% | 642 |
| Net interest margin | 3.1561% | 6,444 |
| Noninterest income to average assets | 0.6509% | 3,008 |
| Noninterest expense to average assets | 2.4393% | 5,946 |
| Loan and lease loss provision to assets | 0.5748% | 2,474 |
| Net operating income to assets | 0.4606% | 4,503 |
| Return on assets (ROA) | 0.4606% | 4,662 |
| Pretax return on assets | 0.5934% | 4,586 |
| Return on Equity (ROE) | 5.2053% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.2053% | 2,771 |
| Net charge-offs to loans | 0.1880% | 4,486 |
| Credit loss provision to net charge-offs | 421.0884% | 867 |
| Earnings coverage of net charge-offs (x) | 8.5578% | 2,125 |
| Efficiency ratio | 67.6190% | 4,650 |
| Assets per employee ($millions) | 4.6054% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 1,762 |
| Loan loss allowance to noncurrent loans | 126.0853% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 4,311 |
| Noncurrent loans to loans | 1.7422% | 4,070 |
| Net loans and leases to total assets | 70.8061% | 2,714 |
| Net loans and leases to deposits | 91.2293% | 1,662 |
| Net loans and leases to core deposits | 128.3615% | 452 |
| Total domestic deposits to total assets | 77.6133% | 6,365 |
| Equity capital to assets | 9.1504% | 5,215 |
| Core capital (leverage) ratio | 9.1911% | 4,310 |
| Tier 1 risk-based capital ratio | 12.2119% | 5,116 |
| Total risk-based capital ratio | 13.4786% | 5,070 |
| Memoranda: | ||
| Average total assets | $215,385,670 | 2,994 |
| Average earning assets | $201,765,000 | 2,923 |
| Average equity | $19,057,670 | 3,296 |
| Average total loans | $156,387,670 | 2,744 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 3,594 |
| Cost of funding earning assets | 2.1295% | 738 |
| Net interest margin | 3.1598% | 6,421 |
| Noninterest income to average assets | 0.6115% | 3,196 |
| Noninterest expense to average assets | 2.3541% | 6,234 |
| Loan and lease loss provision to assets | 0.6115% | 2,083 |
| Net operating income to assets | 0.5379% | 4,195 |
| Return on assets (ROA) | 0.5379% | 4,333 |
| Pretax return on assets | 0.6060% | 4,579 |
| Return on Equity (ROE) | 6.1819% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.1819% | 2,533 |
| Net charge-offs to loans | -0.0101% | 6,891 |
| Credit loss provision to net charge-offs | -8,300.0000% | 6,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9103% | 5,135 |
| Assets per employee ($millions) | 4.7352% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 1,993 |
| Loan loss allowance to noncurrent loans | 181.5730% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 5,315 |
| Noncurrent loans to loans | 1.1463% | 5,080 |
| Net loans and leases to total assets | 71.3584% | 2,596 |
| Net loans and leases to deposits | 92.2669% | 1,577 |
| Net loans and leases to core deposits | 129.9962% | 498 |
| Total domestic deposits to total assets | 77.3391% | 6,481 |
| Equity capital to assets | 8.9720% | 5,321 |
| Core capital (leverage) ratio | 8.9304% | 4,678 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,158 |
| Total risk-based capital ratio | 13.3046% | 5,108 |
| Memoranda: | ||
| Average total assets | $217,154,000 | 3,024 |
| Average earning assets | $203,428,500 | 2,950 |
| Average equity | $18,894,000 | 3,332 |
| Average total loans | $157,896,000 | 2,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 3,483 |
| Cost of funding earning assets | 2.3430% | 1,485 |
| Net interest margin | 3.2799% | 5,821 |
| Noninterest income to average assets | 0.6488% | 3,303 |
| Noninterest expense to average assets | 2.3818% | 6,520 |
| Loan and lease loss provision to assets | 0.2832% | 5,156 |
| Net operating income to assets | 0.8045% | 2,523 |
| Return on assets (ROA) | 0.8162% | 2,559 |
| Pretax return on assets | 1.0630% | 2,364 |
| Return on Equity (ROE) | 9.2760% | 1,930 |
| Retained earnings to average equity (ytd only) | 3.5685% | 2,682 |
| Net charge-offs to loans | 0.1463% | 5,778 |
| Credit loss provision to net charge-offs | 261.5721% | 1,342 |
| Earnings coverage of net charge-offs (x) | 12.2926% | 1,520 |
| Efficiency ratio | 64.1493% | 5,749 |
| Assets per employee ($millions) | 4.8092% | 2,471 |
| Cash dividends to net income (ytd only)* | 61.5295% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,529 |
| Loan loss allowance to noncurrent loans | 278.1940% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 5,811 |
| Noncurrent loans to loans | 0.6486% | 5,939 |
| Net loans and leases to total assets | 71.2449% | 2,941 |
| Net loans and leases to deposits | 90.6685% | 2,113 |
| Net loans and leases to core deposits | 99.7955% | 4,025 |
| Total domestic deposits to total assets | 78.5773% | 6,102 |
| Equity capital to assets | 8.4394% | 5,996 |
| Core capital (leverage) ratio | 8.7094% | 4,912 |
| Tier 1 risk-based capital ratio | 11.0404% | 5,884 |
| Total risk-based capital ratio | 12.2974% | 5,841 |
| Memoranda: | ||
| Average total assets | $211,477,200 | 3,052 |
| Average earning assets | $197,568,000 | 3,002 |
| Average equity | $18,607,200 | 3,407 |
| Average total loans | $156,568,000 | 2,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 3,469 |
| Cost of funding earning assets | 2.3707% | 1,741 |
| Net interest margin | 3.3000% | 5,642 |
| Noninterest income to average assets | 0.6633% | 3,269 |
| Noninterest expense to average assets | 2.3370% | 6,604 |
| Loan and lease loss provision to assets | 0.2373% | 5,067 |
| Net operating income to assets | 0.8991% | 2,426 |
| Return on assets (ROA) | 0.9216% | 2,412 |
| Pretax return on assets | 1.2010% | 2,259 |
| Return on Equity (ROE) | 10.3629% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.3629% | 568 |
| Net charge-offs to loans | -0.0189% | 7,758 |
| Credit loss provision to net charge-offs | -1,690.9091% | 7,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3872% | 6,038 |
| Assets per employee ($millions) | 3.9539% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 2,177 |
| Loan loss allowance to noncurrent loans | 209.2473% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 5,482 |
| Noncurrent loans to loans | 0.8783% | 5,535 |
| Net loans and leases to total assets | 73.0232% | 2,787 |
| Net loans and leases to deposits | 94.5838% | 1,781 |
| Net loans and leases to core deposits | 104.7824% | 3,847 |
| Total domestic deposits to total assets | 77.2047% | 6,289 |
| Equity capital to assets | 9.1593% | 5,239 |
| Core capital (leverage) ratio | 9.4447% | 3,988 |
| Tier 1 risk-based capital ratio | 12.1482% | 4,841 |
| Total risk-based capital ratio | 13.4049% | 4,788 |
| Memoranda: | ||
| Average total assets | $209,040,750 | 3,097 |
| Average earning assets | $195,266,750 | 3,053 |
| Average equity | $18,591,500 | 3,438 |
| Average total loans | $155,583,500 | 2,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6922% | 3,585 |
| Cost of funding earning assets | 2.4170% | 1,897 |
| Net interest margin | 3.2752% | 5,639 |
| Noninterest income to average assets | 0.6476% | 3,362 |
| Noninterest expense to average assets | 2.3387% | 6,644 |
| Loan and lease loss provision to assets | 0.2525% | 4,555 |
| Net operating income to assets | 0.8630% | 2,599 |
| Return on assets (ROA) | 0.8971% | 2,574 |
| Pretax return on assets | 1.1602% | 2,430 |
| Return on Equity (ROE) | 10.1916% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.1916% | 690 |
| Net charge-offs to loans | -0.0816% | 7,922 |
| Credit loss provision to net charge-offs | -415.8730% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0881% | 6,074 |
| Assets per employee ($millions) | 4.3685% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 1,986 |
| Loan loss allowance to noncurrent loans | 127.1186% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 4,736 |
| Noncurrent loans to loans | 1.4335% | 4,350 |
| Net loans and leases to total assets | 73.2256% | 2,904 |
| Net loans and leases to deposits | 94.5306% | 2,012 |
| Net loans and leases to core deposits | 102.3865% | 4,246 |
| Total domestic deposits to total assets | 77.4623% | 6,210 |
| Equity capital to assets | 8.7949% | 5,604 |
| Core capital (leverage) ratio | 9.3492% | 4,102 |
| Tier 1 risk-based capital ratio | 11.9377% | 4,972 |
| Total risk-based capital ratio | 13.1968% | 4,883 |
| Memoranda: | ||
| Average total assets | $207,551,330 | 3,132 |
| Average earning assets | $193,880,330 | 3,090 |
| Average equity | $18,270,000 | 3,509 |
| Average total loans | $154,501,330 | 2,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7543% | 3,508 |
| Cost of funding earning assets | 2.4816% | 1,984 |
| Net interest margin | 3.2727% | 5,608 |
| Noninterest income to average assets | 0.6315% | 3,343 |
| Noninterest expense to average assets | 2.3847% | 6,248 |
| Loan and lease loss provision to assets | 0.2092% | 4,350 |
| Net operating income to assets | 0.8524% | 2,899 |
| Return on assets (ROA) | 0.8524% | 3,056 |
| Pretax return on assets | 1.0906% | 3,023 |
| Return on Equity (ROE) | 9.6788% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.6788% | 1,287 |
| Net charge-offs to loans | -0.0547% | 7,721 |
| Credit loss provision to net charge-offs | -514.2857% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7213% | 5,561 |
| Assets per employee ($millions) | 4.0754% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 2,064 |
| Loan loss allowance to noncurrent loans | 94.6187% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 3,967 |
| Noncurrent loans to loans | 1.8223% | 3,529 |
| Net loans and leases to total assets | 72.8053% | 3,050 |
| Net loans and leases to deposits | 93.6277% | 2,340 |
| Net loans and leases to core deposits | 100.5883% | 4,487 |
| Total domestic deposits to total assets | 77.7605% | 6,091 |
| Equity capital to assets | 8.8017% | 5,621 |
| Core capital (leverage) ratio | 9.1343% | 4,497 |
| Tier 1 risk-based capital ratio | 11.8331% | 5,093 |
| Total risk-based capital ratio | 13.0884% | 4,996 |
| Memoranda: | ||
| Average total assets | $206,482,500 | 3,162 |
| Average earning assets | $192,621,000 | 3,115 |
| Average equity | $18,184,000 | 3,541 |
| Average total loans | $153,554,000 | 2,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3595% | 3,644 |
| Cost of funding earning assets | 2.8018% | 2,699 |
| Net interest margin | 3.5577% | 5,065 |
| Noninterest income to average assets | 0.7834% | 2,602 |
| Noninterest expense to average assets | 2.2826% | 6,749 |
| Loan and lease loss provision to assets | 1.9959% | 600 |
| Net operating income to assets | 0.1442% | 5,994 |
| Return on assets (ROA) | 0.1633% | 5,786 |
| Pretax return on assets | -0.1289% | 6,302 |
| Return on Equity (ROE) | 1.9151% | 5,645 |
| Retained earnings to average equity (ytd only) | -5.2083% | 6,543 |
| Net charge-offs to loans | 2.2880% | 447 |
| Credit loss provision to net charge-offs | 116.6715% | 4,623 |
| Earnings coverage of net charge-offs (x) | 1.0736% | 5,593 |
| Efficiency ratio | 55.4132% | 7,099 |
| Assets per employee ($millions) | 4.4591% | 2,681 |
| Cash dividends to net income (ytd only)* | 371.9512% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,069 |
| Loan loss allowance to noncurrent loans | 89.6026% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 3,443 |
| Noncurrent loans to loans | 1.8403% | 2,998 |
| Net loans and leases to total assets | 73.4232% | 3,256 |
| Net loans and leases to deposits | 97.2285% | 2,248 |
| Net loans and leases to core deposits | 103.7082% | 4,421 |
| Total domestic deposits to total assets | 75.5162% | 6,338 |
| Equity capital to assets | 8.8115% | 5,633 |
| Core capital (leverage) ratio | 9.0083% | 4,729 |
| Tier 1 risk-based capital ratio | 11.5774% | 5,169 |
| Total risk-based capital ratio | 12.8313% | 5,055 |
| Memoranda: | ||
| Average total assets | $200,912,400 | 3,125 |
| Average earning assets | $188,378,600 | 3,067 |
| Average equity | $17,126,600 | 3,712 |
| Average total loans | $150,220,000 | 2,926 |