Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8042% | 1,476 |
| Cost of funding earning assets | 0.6625% | 4,219 |
| Net interest margin | 5.1417% | 233 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.0731% | 1,032 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 2.1860% | 334 |
| Return on assets (ROA) | 2.1860% | 340 |
| Pretax return on assets | 2.7839% | 233 |
| Return on Equity (ROE) | 15.5300% | 971 |
| Retained earnings to average equity (ytd only) | 11.7342% | 839 |
| Net charge-offs to loans | -0.0947% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 52.9661% | 3,682 |
| Assets per employee ($millions) | 7.1214% | 2,136 |
| Cash dividends to net income (ytd only)* | 24.4319% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 386 |
| Loan loss allowance to noncurrent loans | 323.7596% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 1,515 |
| Noncurrent loans to loans | 0.6188% | 1,607 |
| Net loans and leases to total assets | 55.5100% | 3,239 |
| Net loans and leases to deposits | 65.6422% | 3,154 |
| Net loans and leases to core deposits | 67.1557% | 3,434 |
| Total domestic deposits to total assets | 84.5600% | 2,749 |
| Equity capital to assets | 14.1301% | 684 |
| Core capital (leverage) ratio | 14.5636% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7264% | 375 |
| Memoranda: | ||
| Average total assets | $909,952,500 | 1,122 |
| Average earning assets | $858,621,000 | 1,100 |
| Average equity | $128,104,500 | 854 |
| Average total loans | $528,229,000 | 1,263 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 1,378 |
| Cost of funding earning assets | 0.6142% | 4,268 |
| Net interest margin | 5.3203% | 224 |
| Noninterest income to average assets | 0.9600% | 660 |
| Noninterest expense to average assets | 2.9743% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.3552% | 250 |
| Return on assets (ROA) | 2.3552% | 254 |
| Pretax return on assets | 3.0027% | 189 |
| Return on Equity (ROE) | 17.8600% | 581 |
| Retained earnings to average equity (ytd only) | 12.6095% | 248 |
| Net charge-offs to loans | -0.0121% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 49.7624% | 4,001 |
| Assets per employee ($millions) | 7.0962% | 2,102 |
| Cash dividends to net income (ytd only)* | 29.3811% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 387 |
| Loan loss allowance to noncurrent loans | 2,012.6437% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,468 |
| Noncurrent loans to loans | 0.0981% | 3,145 |
| Net loans and leases to total assets | 58.3300% | 3,078 |
| Net loans and leases to deposits | 68.8744% | 3,028 |
| Net loans and leases to core deposits | 70.4166% | 3,337 |
| Total domestic deposits to total assets | 84.7000% | 2,616 |
| Equity capital to assets | 14.0244% | 675 |
| Core capital (leverage) ratio | 13.9955% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8626% | 419 |
| Memoranda: | ||
| Average total assets | $904,931,200 | 1,105 |
| Average earning assets | $853,284,600 | 1,083 |
| Average equity | $119,362,800 | 887 |
| Average total loans | $537,518,600 | 1,233 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 1,404 |
| Cost of funding earning assets | 0.5933% | 4,306 |
| Net interest margin | 5.3007% | 232 |
| Noninterest income to average assets | 0.9300% | 691 |
| Noninterest expense to average assets | 2.9039% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.3645% | 271 |
| Return on assets (ROA) | 2.3645% | 272 |
| Pretax return on assets | 3.0192% | 195 |
| Return on Equity (ROE) | 18.2100% | 559 |
| Retained earnings to average equity (ytd only) | 13.5474% | 341 |
| Net charge-offs to loans | -0.0012% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 49.0266% | 4,044 |
| Assets per employee ($millions) | 7.1942% | 2,008 |
| Cash dividends to net income (ytd only)* | 25.6026% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 442 |
| Loan loss allowance to noncurrent loans | 1,909.6892% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,469 |
| Noncurrent loans to loans | 0.1014% | 3,177 |
| Net loans and leases to total assets | 58.8400% | 3,031 |
| Net loans and leases to deposits | 69.2620% | 3,042 |
| Net loans and leases to core deposits | 70.8543% | 3,349 |
| Total domestic deposits to total assets | 84.9500% | 2,313 |
| Equity capital to assets | 13.9542% | 746 |
| Core capital (leverage) ratio | 13.9012% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0058% | 472 |
| Memoranda: | ||
| Average total assets | $907,633,500 | 1,094 |
| Average earning assets | $855,581,000 | 1,077 |
| Average equity | $117,854,750 | 891 |
| Average total loans | $538,877,500 | 1,223 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 1,421 |
| Cost of funding earning assets | 0.5666% | 4,321 |
| Net interest margin | 5.2615% | 244 |
| Noninterest income to average assets | 0.8900% | 727 |
| Noninterest expense to average assets | 2.8721% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.3297% | 286 |
| Return on assets (ROA) | 2.3297% | 287 |
| Pretax return on assets | 2.9731% | 204 |
| Return on Equity (ROE) | 18.3900% | 571 |
| Retained earnings to average equity (ytd only) | 14.2970% | 339 |
| Net charge-offs to loans | -0.0097% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.1356% | 4,061 |
| Assets per employee ($millions) | 7.0486% | 2,047 |
| Cash dividends to net income (ytd only)* | 22.2725% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9402% | 432 |
| Loan loss allowance to noncurrent loans | 1,422.1467% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,302 |
| Noncurrent loans to loans | 0.1364% | 2,964 |
| Net loans and leases to total assets | 59.1000% | 3,041 |
| Net loans and leases to deposits | 68.8614% | 3,077 |
| Net loans and leases to core deposits | 70.4663% | 3,347 |
| Total domestic deposits to total assets | 85.8200% | 2,035 |
| Equity capital to assets | 13.2849% | 809 |
| Core capital (leverage) ratio | 13.4717% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2692% | 516 |
| Memoranda: | ||
| Average total assets | $910,418,667 | 1,098 |
| Average earning assets | $857,818,000 | 1,072 |
| Average equity | $115,310,667 | 899 |
| Average total loans | $538,644,333 | 1,226 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 1,477 |
| Cost of funding earning assets | 0.5328% | 4,342 |
| Net interest margin | 5.1662% | 268 |
| Noninterest income to average assets | 0.8500% | 733 |
| Noninterest expense to average assets | 2.8360% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2888% | 310 |
| Return on assets (ROA) | 2.2888% | 311 |
| Pretax return on assets | 2.8914% | 237 |
| Return on Equity (ROE) | 18.5100% | 559 |
| Retained earnings to average equity (ytd only) | 14.3500% | 477 |
| Net charge-offs to loans | -0.0305% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 49.5169% | 4,040 |
| Assets per employee ($millions) | 7.2405% | 1,933 |
| Cash dividends to net income (ytd only)* | 22.4824% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 423 |
| Loan loss allowance to noncurrent loans | 1,401.2032% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,270 |
| Noncurrent loans to loans | 0.1387% | 2,914 |
| Net loans and leases to total assets | 57.5100% | 3,083 |
| Net loans and leases to deposits | 66.4007% | 3,143 |
| Net loans and leases to core deposits | 68.0350% | 3,424 |
| Total domestic deposits to total assets | 86.6200% | 1,899 |
| Equity capital to assets | 12.5221% | 985 |
| Core capital (leverage) ratio | 13.0315% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6567% | 563 |
| Memoranda: | ||
| Average total assets | $918,043,500 | 1,090 |
| Average earning assets | $866,401,500 | 1,071 |
| Average equity | $113,505,000 | 914 |
| Average total loans | $538,225,000 | 1,219 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 1,116 |
| Cost of funding earning assets | 0.3258% | 4,355 |
| Net interest margin | 5.2075% | 262 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.7385% | 1,648 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 2.5015% | 237 |
| Return on assets (ROA) | 2.5734% | 221 |
| Pretax return on assets | 3.2781% | 168 |
| Return on Equity (ROE) | 24.0200% | 351 |
| Retained earnings to average equity (ytd only) | 18.9427% | 154 |
| Net charge-offs to loans | -0.2070% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.0731% | 4,143 |
| Assets per employee ($millions) | 7.2742% | 1,882 |
| Cash dividends to net income (ytd only)* | 21.1354% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 422 |
| Loan loss allowance to noncurrent loans | 1,436.1761% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,150 |
| Noncurrent loans to loans | 0.1354% | 2,828 |
| Net loans and leases to total assets | 57.4600% | 3,084 |
| Net loans and leases to deposits | 66.1460% | 3,167 |
| Net loans and leases to core deposits | 67.3938% | 3,438 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 12.2049% | 1,062 |
| Core capital (leverage) ratio | 12.2268% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9934% | 609 |
| Memoranda: | ||
| Average total assets | $953,487,800 | 1,023 |
| Average earning assets | $902,871,600 | 997 |
| Average equity | $102,155,600 | 926 |
| Average total loans | $538,119,000 | 1,168 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 1,063 |
| Cost of funding earning assets | 0.2913% | 4,370 |
| Net interest margin | 5.1700% | 263 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.6672% | 1,746 |
| Loan and lease loss provision to assets | -0.1400% | 4,565 |
| Net operating income to assets | 2.5484% | 256 |
| Return on assets (ROA) | 2.5484% | 251 |
| Pretax return on assets | 3.2597% | 189 |
| Return on Equity (ROE) | 24.6000% | 403 |
| Retained earnings to average equity (ytd only) | 20.3053% | 247 |
| Net charge-offs to loans | -0.2791% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.1117% | 4,129 |
| Assets per employee ($millions) | 7.5781% | 1,580 |
| Cash dividends to net income (ytd only)* | 17.4610% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 417 |
| Loan loss allowance to noncurrent loans | 1,468.2584% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 2,249 |
| Noncurrent loans to loans | 0.1340% | 2,885 |
| Net loans and leases to total assets | 54.1100% | 3,353 |
| Net loans and leases to deposits | 61.2853% | 3,438 |
| Net loans and leases to core deposits | 62.4739% | 3,592 |
| Total domestic deposits to total assets | 88.2900% | 1,481 |
| Equity capital to assets | 10.8826% | 1,391 |
| Core capital (leverage) ratio | 11.4986% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5893% | 652 |
| Memoranda: | ||
| Average total assets | $962,723,000 | 1,017 |
| Average earning assets | $911,810,250 | 989 |
| Average equity | $99,728,500 | 946 |
| Average total loans | $538,374,750 | 1,166 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 916 |
| Cost of funding earning assets | 0.2532% | 4,376 |
| Net interest margin | 5.1834% | 249 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.6293% | 1,853 |
| Loan and lease loss provision to assets | -0.2100% | 4,613 |
| Net operating income to assets | 2.6512% | 207 |
| Return on assets (ROA) | 2.6512% | 206 |
| Pretax return on assets | 3.3898% | 154 |
| Return on Equity (ROE) | 26.0300% | 331 |
| Retained earnings to average equity (ytd only) | 21.6665% | 198 |
| Net charge-offs to loans | -0.4209% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.2929% | 4,197 |
| Assets per employee ($millions) | 7.6669% | 1,496 |
| Cash dividends to net income (ytd only)* | 16.7672% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9719% | 436 |
| Loan loss allowance to noncurrent loans | 1,146.2212% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 1,796 |
| Noncurrent loans to loans | 0.1720% | 2,620 |
| Net loans and leases to total assets | 54.7200% | 3,214 |
| Net loans and leases to deposits | 61.8615% | 3,315 |
| Net loans and leases to core deposits | 63.1333% | 3,494 |
| Total domestic deposits to total assets | 88.4600% | 1,440 |
| Equity capital to assets | 10.7478% | 1,490 |
| Core capital (leverage) ratio | 10.9597% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6785% | 745 |
| Memoranda: | ||
| Average total assets | $962,826,333 | 1,011 |
| Average earning assets | $912,260,667 | 982 |
| Average equity | $98,059,333 | 952 |
| Average total loans | $540,769,000 | 1,154 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 878 |
| Cost of funding earning assets | 0.2083% | 4,364 |
| Net interest margin | 5.0494% | 279 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.6195% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4502% | 257 |
| Return on assets (ROA) | 2.4502% | 254 |
| Pretax return on assets | 3.1042% | 184 |
| Return on Equity (ROE) | 24.7300% | 417 |
| Retained earnings to average equity (ytd only) | 20.1083% | 370 |
| Net charge-offs to loans | 0.0205% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 268.5357% | 404 |
| Efficiency ratio | 45.7660% | 4,231 |
| Assets per employee ($millions) | 7.7687% | 1,482 |
| Cash dividends to net income (ytd only)* | 18.6858% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 554 |
| Loan loss allowance to noncurrent loans | 867.9832% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,657 |
| Noncurrent loans to loans | 0.2176% | 2,389 |
| Net loans and leases to total assets | 54.8100% | 3,133 |
| Net loans and leases to deposits | 61.5371% | 3,258 |
| Net loans and leases to core deposits | 62.6049% | 3,414 |
| Total domestic deposits to total assets | 89.0700% | 1,520 |
| Equity capital to assets | 10.0545% | 1,790 |
| Core capital (leverage) ratio | 10.2440% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0019% | 991 |
| Memoranda: | ||
| Average total assets | $968,893,500 | 1,020 |
| Average earning assets | $918,046,000 | 989 |
| Average equity | $96,000,000 | 981 |
| Average total loans | $545,805,500 | 1,152 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 2,340 |
| Cost of funding earning assets | 0.0826% | 4,467 |
| Net interest margin | 3.6940% | 1,395 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.4915% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4986% | 881 |
| Return on assets (ROA) | 1.4986% | 850 |
| Pretax return on assets | 1.9067% | 574 |
| Return on Equity (ROE) | 16.6300% | 937 |
| Retained earnings to average equity (ytd only) | 12.0175% | 663 |
| Net charge-offs to loans | -0.0505% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.6481% | 3,511 |
| Assets per employee ($millions) | 7.5507% | 1,586 |
| Cash dividends to net income (ytd only)* | 27.7310% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 539 |
| Loan loss allowance to noncurrent loans | 727.7583% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 1,519 |
| Noncurrent loans to loans | 0.2612% | 2,228 |
| Net loans and leases to total assets | 55.7300% | 3,060 |
| Net loans and leases to deposits | 62.2900% | 3,174 |
| Net loans and leases to core deposits | 63.1702% | 3,319 |
| Total domestic deposits to total assets | 89.4700% | 1,574 |
| Equity capital to assets | 9.7589% | 1,851 |
| Core capital (leverage) ratio | 9.5048% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4993% | 1,051 |
| Memoranda: | ||
| Average total assets | $975,541,800 | 1,001 |
| Average earning assets | $932,727,800 | 968 |
| Average equity | $87,913,800 | 1,055 |
| Average total loans | $512,994,800 | 1,158 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3591% | 3,019 |
| Cost of funding earning assets | 0.0605% | 4,527 |
| Net interest margin | 3.2986% | 2,301 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.4576% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2455% | 1,537 |
| Return on assets (ROA) | 1.2455% | 1,510 |
| Pretax return on assets | 1.5833% | 1,163 |
| Return on Equity (ROE) | 14.1100% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.3627% | 1,532 |
| Net charge-offs to loans | -0.0544% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8177% | 3,012 |
| Assets per employee ($millions) | 7.6482% | 1,519 |
| Cash dividends to net income (ytd only)* | 33.6320% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 550 |
| Loan loss allowance to noncurrent loans | 542.0305% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 1,474 |
| Noncurrent loans to loans | 0.3593% | 1,947 |
| Net loans and leases to total assets | 51.7800% | 3,299 |
| Net loans and leases to deposits | 57.2317% | 3,391 |
| Net loans and leases to core deposits | 57.7996% | 3,518 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 8.8876% | 2,293 |
| Core capital (leverage) ratio | 9.1180% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9990% | 1,175 |
| Memoranda: | ||
| Average total assets | $979,693,000 | 1,005 |
| Average earning assets | $938,806,250 | 970 |
| Average equity | $86,496,750 | 1,079 |
| Average total loans | $505,046,750 | 1,169 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9890% | 3,589 |
| Cost of funding earning assets | 0.0589% | 4,539 |
| Net interest margin | 2.9301% | 3,088 |
| Noninterest income to average assets | 0.9057% | 835 |
| Noninterest expense to average assets | 2.4336% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0133% | 2,107 |
| Return on assets (ROA) | 1.0133% | 2,078 |
| Pretax return on assets | 1.2869% | 1,787 |
| Return on Equity (ROE) | 11.5030% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.5286% | 1,804 |
| Net charge-offs to loans | -0.0382% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4116% | 2,594 |
| Assets per employee ($millions) | 7.8156% | 1,405 |
| Cash dividends to net income (ytd only)* | 34.5514% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 585 |
| Loan loss allowance to noncurrent loans | 661.3887% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 1,679 |
| Noncurrent loans to loans | 0.2985% | 2,268 |
| Net loans and leases to total assets | 50.5878% | 3,316 |
| Net loans and leases to deposits | 55.7889% | 3,400 |
| Net loans and leases to core deposits | 56.2419% | 3,548 |
| Total domestic deposits to total assets | 90.6772% | 1,393 |
| Equity capital to assets | 8.6840% | 2,625 |
| Core capital (leverage) ratio | 8.8043% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5829% | 1,289 |
| Memoranda: | ||
| Average total assets | $972,286,000 | 1,004 |
| Average earning assets | $934,027,000 | 976 |
| Average equity | $85,647,000 | 1,103 |
| Average total loans | $497,045,000 | 1,174 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6979% | 3,956 |
| Cost of funding earning assets | 0.0601% | 4,526 |
| Net interest margin | 2.6378% | 3,561 |
| Noninterest income to average assets | 0.9267% | 800 |
| Noninterest expense to average assets | 2.4625% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7940% | 2,682 |
| Return on assets (ROA) | 0.7940% | 2,678 |
| Pretax return on assets | 1.0106% | 2,403 |
| Return on Equity (ROE) | 8.9471% | 2,337 |
| Retained earnings to average equity (ytd only) | 4.5629% | 2,754 |
| Net charge-offs to loans | 0.0098% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 201.7500% | 426 |
| Efficiency ratio | 70.9014% | 2,115 |
| Assets per employee ($millions) | 7.8931% | 1,437 |
| Cash dividends to net income (ytd only)* | 49.0011% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0274% | 594 |
| Loan loss allowance to noncurrent loans | 821.2541% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,873 |
| Noncurrent loans to loans | 0.2469% | 2,608 |
| Net loans and leases to total assets | 50.1987% | 3,155 |
| Net loans and leases to deposits | 55.4185% | 3,311 |
| Net loans and leases to core deposits | 55.9292% | 3,450 |
| Total domestic deposits to total assets | 90.5813% | 1,250 |
| Equity capital to assets | 8.8008% | 2,873 |
| Core capital (leverage) ratio | 8.8611% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2556% | 1,199 |
| Memoranda: | ||
| Average total assets | $958,230,500 | 1,020 |
| Average earning assets | $925,016,500 | 987 |
| Average equity | $85,033,500 | 1,139 |
| Average total loans | $487,432,000 | 1,180 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 3,891 |
| Cost of funding earning assets | 0.0703% | 4,589 |
| Net interest margin | 2.9195% | 3,397 |
| Noninterest income to average assets | 1.1514% | 798 |
| Noninterest expense to average assets | 2.6891% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9982% | 2,673 |
| Return on assets (ROA) | 0.9982% | 2,744 |
| Pretax return on assets | 1.2639% | 2,475 |
| Return on Equity (ROE) | 10.4077% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.6540% | 2,055 |
| Net charge-offs to loans | -0.1326% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0273% | 1,970 |
| Assets per employee ($millions) | 7.6259% | 1,540 |
| Cash dividends to net income (ytd only)* | 36.0665% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 507 |
| Loan loss allowance to noncurrent loans | 705.0978% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 1,862 |
| Noncurrent loans to loans | 0.2999% | 2,521 |
| Net loans and leases to total assets | 49.4207% | 3,359 |
| Net loans and leases to deposits | 54.6997% | 3,541 |
| Net loans and leases to core deposits | 55.1771% | 3,682 |
| Total domestic deposits to total assets | 90.3491% | 782 |
| Equity capital to assets | 8.9492% | 3,674 |
| Core capital (leverage) ratio | 9.0938% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0493% | 1,033 |
| Memoranda: | ||
| Average total assets | $855,222,400 | 1,083 |
| Average earning assets | $820,695,400 | 1,060 |
| Average equity | $82,026,200 | 1,180 |
| Average total loans | $455,420,000 | 1,253 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0247% | 3,957 |
| Cost of funding earning assets | 0.0722% | 4,680 |
| Net interest margin | 2.9524% | 3,434 |
| Noninterest income to average assets | 1.1461% | 868 |
| Noninterest expense to average assets | 2.7224% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9890% | 2,953 |
| Return on assets (ROA) | 0.9890% | 3,032 |
| Pretax return on assets | 1.2513% | 2,768 |
| Return on Equity (ROE) | 10.1189% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,671 |
| Net charge-offs to loans | -0.1224% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5110% | 1,757 |
| Assets per employee ($millions) | 7.2022% | 1,736 |
| Cash dividends to net income (ytd only)* | 37.1762% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 496 |
| Loan loss allowance to noncurrent loans | 597.8274% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 1,491 |
| Noncurrent loans to loans | 0.3593% | 2,489 |
| Net loans and leases to total assets | 50.1260% | 3,400 |
| Net loans and leases to deposits | 55.6294% | 3,612 |
| Net loans and leases to core deposits | 56.1583% | 3,764 |
| Total domestic deposits to total assets | 90.1070% | 728 |
| Equity capital to assets | 9.2197% | 3,635 |
| Core capital (leverage) ratio | 9.4372% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9642% | 970 |
| Memoranda: | ||
| Average total assets | $832,626,000 | 1,124 |
| Average earning assets | $797,425,500 | 1,099 |
| Average equity | $81,376,750 | 1,209 |
| Average total loans | $449,919,250 | 1,287 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0865% | 3,897 |
| Cost of funding earning assets | 0.0744% | 4,718 |
| Net interest margin | 3.0122% | 3,287 |
| Noninterest income to average assets | 1.1399% | 873 |
| Noninterest expense to average assets | 2.7504% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9969% | 2,896 |
| Return on assets (ROA) | 0.9969% | 2,977 |
| Pretax return on assets | 1.2695% | 2,709 |
| Return on Equity (ROE) | 9.9908% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.2102% | 2,726 |
| Net charge-offs to loans | -0.1632% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4191% | 1,826 |
| Assets per employee ($millions) | 6.9522% | 1,844 |
| Cash dividends to net income (ytd only)* | 37.8405% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 442 |
| Loan loss allowance to noncurrent loans | 567.4727% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 1,510 |
| Noncurrent loans to loans | 0.3848% | 2,524 |
| Net loans and leases to total assets | 52.0617% | 3,335 |
| Net loans and leases to deposits | 58.0659% | 3,538 |
| Net loans and leases to core deposits | 58.7233% | 3,709 |
| Total domestic deposits to total assets | 89.6597% | 942 |
| Equity capital to assets | 9.6194% | 3,231 |
| Core capital (leverage) ratio | 9.6959% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5390% | 884 |
| Memoranda: | ||
| Average total assets | $810,076,667 | 1,142 |
| Average earning assets | $774,526,667 | 1,126 |
| Average equity | $80,834,667 | 1,207 |
| Average total loans | $446,166,667 | 1,299 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1998% | 3,691 |
| Cost of funding earning assets | 0.0789% | 4,752 |
| Net interest margin | 3.1209% | 2,928 |
| Noninterest income to average assets | 1.1418% | 929 |
| Noninterest expense to average assets | 2.7701% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0508% | 2,631 |
| Return on assets (ROA) | 1.0508% | 2,711 |
| Pretax return on assets | 1.3522% | 2,424 |
| Return on Equity (ROE) | 10.3309% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.5326% | 2,717 |
| Net charge-offs to loans | -0.2273% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1982% | 2,041 |
| Assets per employee ($millions) | 6.8424% | 1,901 |
| Cash dividends to net income (ytd only)* | 36.7661% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1619% | 450 |
| Loan loss allowance to noncurrent loans | 665.6421% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 1,786 |
| Noncurrent loans to loans | 0.3248% | 2,937 |
| Net loans and leases to total assets | 53.2686% | 3,317 |
| Net loans and leases to deposits | 59.5551% | 3,515 |
| Net loans and leases to core deposits | 60.2805% | 3,680 |
| Total domestic deposits to total assets | 89.4443% | 1,096 |
| Equity capital to assets | 9.7998% | 2,896 |
| Core capital (leverage) ratio | 10.3578% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5415% | 845 |
| Memoranda: | ||
| Average total assets | $791,028,500 | 1,158 |
| Average earning assets | $755,415,000 | 1,133 |
| Average equity | $80,457,500 | 1,203 |
| Average total loans | $443,535,000 | 1,298 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 3,485 |
| Cost of funding earning assets | 0.1464% | 4,738 |
| Net interest margin | 3.5876% | 2,178 |
| Noninterest income to average assets | 1.3975% | 601 |
| Noninterest expense to average assets | 2.9844% | 1,466 |
| Loan and lease loss provision to assets | 0.2459% | 1,575 |
| Net operating income to assets | 1.2655% | 1,344 |
| Return on assets (ROA) | 1.2655% | 1,453 |
| Pretax return on assets | 1.5822% | 1,112 |
| Return on Equity (ROE) | 11.6036% | 1,444 |
| Retained earnings to average equity (ytd only) | 7.4507% | 1,213 |
| Net charge-offs to loans | 0.0126% | 2,886 |
| Credit loss provision to net charge-offs | 3,107.1429% | 318 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 425 |
| Efficiency ratio | 62.0133% | 3,128 |
| Assets per employee ($millions) | 6.5011% | 1,918 |
| Cash dividends to net income (ytd only)* | 35.7901% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 431 |
| Loan loss allowance to noncurrent loans | 563.0486% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 1,720 |
| Noncurrent loans to loans | 0.3864% | 2,823 |
| Net loans and leases to total assets | 56.5959% | 3,240 |
| Net loans and leases to deposits | 63.9033% | 3,450 |
| Net loans and leases to core deposits | 64.8479% | 3,639 |
| Total domestic deposits to total assets | 88.5650% | 1,184 |
| Equity capital to assets | 10.5791% | 2,605 |
| Core capital (leverage) ratio | 10.5486% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0918% | 763 |
| Memoranda: | ||
| Average total assets | $707,623,600 | 1,171 |
| Average earning assets | $673,578,200 | 1,143 |
| Average equity | $77,174,000 | 1,193 |
| Average total loans | $444,636,600 | 1,237 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 3,239 |
| Cost of funding earning assets | 0.1560% | 4,788 |
| Net interest margin | 3.7477% | 1,774 |
| Noninterest income to average assets | 1.3561% | 602 |
| Noninterest expense to average assets | 3.0911% | 1,251 |
| Loan and lease loss provision to assets | 0.2098% | 1,916 |
| Net operating income to assets | 1.2755% | 1,408 |
| Return on assets (ROA) | 1.2755% | 1,518 |
| Pretax return on assets | 1.6222% | 1,122 |
| Return on Equity (ROE) | 11.6007% | 1,480 |
| Retained earnings to average equity (ytd only) | 7.6002% | 1,462 |
| Net charge-offs to loans | 0.0191% | 2,475 |
| Credit loss provision to net charge-offs | 1,710.9375% | 554 |
| Earnings coverage of net charge-offs (x) | 149.4219% | 603 |
| Efficiency ratio | 62.7884% | 2,944 |
| Assets per employee ($millions) | 6.2604% | 2,036 |
| Cash dividends to net income (ytd only)* | 34.4848% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 499 |
| Loan loss allowance to noncurrent loans | 491.3285% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 1,813 |
| Noncurrent loans to loans | 0.4058% | 2,841 |
| Net loans and leases to total assets | 58.8168% | 3,339 |
| Net loans and leases to deposits | 66.3967% | 3,588 |
| Net loans and leases to core deposits | 67.5015% | 3,791 |
| Total domestic deposits to total assets | 88.5839% | 944 |
| Equity capital to assets | 10.6067% | 2,700 |
| Core capital (leverage) ratio | 10.6797% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8394% | 802 |
| Memoranda: | ||
| Average total assets | $695,997,250 | 1,165 |
| Average earning assets | $662,438,250 | 1,144 |
| Average equity | $76,522,500 | 1,196 |
| Average total loans | $446,721,000 | 1,228 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,196 |
| Cost of funding earning assets | 0.1700% | 4,835 |
| Net interest margin | 3.8806% | 1,616 |
| Noninterest income to average assets | 1.3720% | 551 |
| Noninterest expense to average assets | 3.1530% | 1,238 |
| Loan and lease loss provision to assets | 0.1217% | 2,815 |
| Net operating income to assets | 1.4029% | 1,108 |
| Return on assets (ROA) | 1.4029% | 1,201 |
| Pretax return on assets | 1.7877% | 832 |
| Return on Equity (ROE) | 12.5989% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.5679% | 1,141 |
| Net charge-offs to loans | -0.0085% | 4,158 |
| Credit loss provision to net charge-offs | -2,184.2105% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2820% | 3,075 |
| Assets per employee ($millions) | 5.9961% | 2,188 |
| Cash dividends to net income (ytd only)* | 31.9950% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 699 |
| Loan loss allowance to noncurrent loans | 211.4132% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,511 |
| Noncurrent loans to loans | 0.8383% | 1,818 |
| Net loans and leases to total assets | 62.9730% | 3,008 |
| Net loans and leases to deposits | 71.2691% | 3,323 |
| Net loans and leases to core deposits | 72.4254% | 3,565 |
| Total domestic deposits to total assets | 88.3595% | 1,014 |
| Equity capital to assets | 10.6415% | 2,627 |
| Core capital (leverage) ratio | 10.8612% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5388% | 971 |
| Memoranda: | ||
| Average total assets | $681,753,667 | 1,172 |
| Average earning assets | $648,355,000 | 1,140 |
| Average equity | $75,911,667 | 1,194 |
| Average total loans | $447,849,667 | 1,211 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,802 |
| Cost of funding earning assets | 0.1988% | 4,894 |
| Net interest margin | 4.1395% | 1,057 |
| Noninterest income to average assets | 1.5706% | 363 |
| Noninterest expense to average assets | 3.3007% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7294% | 479 |
| Return on assets (ROA) | 1.7294% | 531 |
| Pretax return on assets | 2.2071% | 290 |
| Return on Equity (ROE) | 15.1626% | 528 |
| Retained earnings to average equity (ytd only) | 11.0969% | 552 |
| Net charge-offs to loans | -0.0273% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9274% | 3,747 |
| Assets per employee ($millions) | 5.5231% | 2,098 |
| Cash dividends to net income (ytd only)* | 26.8139% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 798 |
| Loan loss allowance to noncurrent loans | 204.7271% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 1,519 |
| Noncurrent loans to loans | 0.8518% | 1,915 |
| Net loans and leases to total assets | 66.0939% | 2,806 |
| Net loans and leases to deposits | 75.3799% | 3,132 |
| Net loans and leases to core deposits | 76.6632% | 3,454 |
| Total domestic deposits to total assets | 87.6811% | 1,237 |
| Equity capital to assets | 11.4214% | 2,508 |
| Core capital (leverage) ratio | 11.7095% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5412% | 1,062 |
| Memoranda: | ||
| Average total assets | $659,867,000 | 1,173 |
| Average earning assets | $627,611,000 | 1,141 |
| Average equity | $75,264,000 | 1,196 |
| Average total loans | $439,210,000 | 1,207 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 2,480 |
| Cost of funding earning assets | 0.2110% | 4,938 |
| Net interest margin | 4.4353% | 831 |
| Noninterest income to average assets | 1.2058% | 651 |
| Noninterest expense to average assets | 3.2697% | 1,363 |
| Loan and lease loss provision to assets | 0.0379% | 3,256 |
| Net operating income to assets | 1.6226% | 795 |
| Return on assets (ROA) | 1.6226% | 851 |
| Pretax return on assets | 2.0863% | 494 |
| Return on Equity (ROE) | 14.3739% | 825 |
| Retained earnings to average equity (ytd only) | 8.1392% | 933 |
| Net charge-offs to loans | -0.0069% | 4,386 |
| Credit loss provision to net charge-offs | -800.0000% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6194% | 3,601 |
| Assets per employee ($millions) | 5.4286% | 2,131 |
| Cash dividends to net income (ytd only)* | 43.3751% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 631 |
| Loan loss allowance to noncurrent loans | 196.7994% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 1,287 |
| Noncurrent loans to loans | 0.9252% | 1,657 |
| Net loans and leases to total assets | 64.6368% | 3,115 |
| Net loans and leases to deposits | 73.6766% | 3,381 |
| Net loans and leases to core deposits | 74.9200% | 3,649 |
| Total domestic deposits to total assets | 87.7305% | 1,257 |
| Equity capital to assets | 11.3901% | 2,634 |
| Core capital (leverage) ratio | 11.5254% | 2,090 |
| Tier 1 risk-based capital ratio | 17.3423% | 1,943 |
| Total risk-based capital ratio | 18.5994% | 1,892 |
| Memoranda: | ||
| Average total assets | $633,996,400 | 1,175 |
| Average earning assets | $598,648,400 | 1,153 |
| Average equity | $71,567,400 | 1,202 |
| Average total loans | $436,627,600 | 1,188 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,282 |
| Cost of funding earning assets | 0.2069% | 5,024 |
| Net interest margin | 4.5402% | 700 |
| Noninterest income to average assets | 1.1765% | 664 |
| Noninterest expense to average assets | 3.2536% | 1,371 |
| Loan and lease loss provision to assets | 0.0508% | 2,884 |
| Net operating income to assets | 1.6752% | 780 |
| Return on assets (ROA) | 1.6752% | 826 |
| Pretax return on assets | 2.1525% | 498 |
| Return on Equity (ROE) | 14.8749% | 802 |
| Retained earnings to average equity (ytd only) | 7.9085% | 1,438 |
| Net charge-offs to loans | -0.0319% | 4,716 |
| Credit loss provision to net charge-offs | -228.5714% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6236% | 3,705 |
| Assets per employee ($millions) | 5.1463% | 2,400 |
| Cash dividends to net income (ytd only)* | 46.8335% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 625 |
| Loan loss allowance to noncurrent loans | 176.6525% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 1,204 |
| Noncurrent loans to loans | 1.0401% | 1,540 |
| Net loans and leases to total assets | 66.5428% | 2,983 |
| Net loans and leases to deposits | 75.9369% | 3,299 |
| Net loans and leases to core deposits | 77.3794% | 3,600 |
| Total domestic deposits to total assets | 87.6290% | 1,204 |
| Equity capital to assets | 11.4593% | 2,688 |
| Core capital (leverage) ratio | 11.4042% | 2,295 |
| Tier 1 risk-based capital ratio | 16.9045% | 2,115 |
| Total risk-based capital ratio | 18.1616% | 2,056 |
| Memoranda: | ||
| Average total assets | $629,636,750 | 1,183 |
| Average earning assets | $593,616,250 | 1,163 |
| Average equity | $70,909,500 | 1,206 |
| Average total loans | $438,565,500 | 1,190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 2,302 |
| Cost of funding earning assets | 0.1959% | 5,082 |
| Net interest margin | 4.5249% | 725 |
| Noninterest income to average assets | 1.1424% | 653 |
| Noninterest expense to average assets | 3.1945% | 1,521 |
| Loan and lease loss provision to assets | 0.0573% | 2,679 |
| Net operating income to assets | 1.6824% | 750 |
| Return on assets (ROA) | 1.6824% | 780 |
| Pretax return on assets | 2.1613% | 486 |
| Return on Equity (ROE) | 15.0269% | 751 |
| Retained earnings to average equity (ytd only) | 10.9227% | 554 |
| Net charge-offs to loans | 0.0113% | 2,728 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 278.8800% | 284 |
| Efficiency ratio | 59.0148% | 3,858 |
| Assets per employee ($millions) | 5.4144% | 2,039 |
| Cash dividends to net income (ytd only)* | 27.3123% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 730 |
| Loan loss allowance to noncurrent loans | 187.7715% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,352 |
| Noncurrent loans to loans | 0.9398% | 1,732 |
| Net loans and leases to total assets | 66.4672% | 3,044 |
| Net loans and leases to deposits | 75.5868% | 3,373 |
| Net loans and leases to core deposits | 76.9922% | 3,650 |
| Total domestic deposits to total assets | 87.9350% | 1,132 |
| Equity capital to assets | 11.1946% | 2,864 |
| Core capital (leverage) ratio | 11.3706% | 2,274 |
| Tier 1 risk-based capital ratio | 16.6859% | 2,181 |
| Total risk-based capital ratio | 17.9425% | 2,123 |
| Memoranda: | ||
| Average total assets | $628,517,000 | 1,180 |
| Average earning assets | $593,208,000 | 1,154 |
| Average equity | $70,367,000 | 1,209 |
| Average total loans | $441,721,670 | 1,181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 2,090 |
| Cost of funding earning assets | 0.1893% | 5,142 |
| Net interest margin | 4.5476% | 679 |
| Noninterest income to average assets | 1.0802% | 688 |
| Noninterest expense to average assets | 3.1311% | 1,655 |
| Loan and lease loss provision to assets | 0.0580% | 2,495 |
| Net operating income to assets | 1.6970% | 732 |
| Return on assets (ROA) | 1.6970% | 758 |
| Pretax return on assets | 2.1804% | 471 |
| Return on Equity (ROE) | 15.1569% | 720 |
| Retained earnings to average equity (ytd only) | 11.4267% | 716 |
| Net charge-offs to loans | 0.0189% | 2,090 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 165.3810% | 465 |
| Efficiency ratio | 58.3123% | 4,039 |
| Assets per employee ($millions) | 5.2698% | 2,201 |
| Cash dividends to net income (ytd only)* | 24.6107% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 819 |
| Loan loss allowance to noncurrent loans | 157.0072% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 1,154 |
| Noncurrent loans to loans | 1.0974% | 1,516 |
| Net loans and leases to total assets | 68.6120% | 2,675 |
| Net loans and leases to deposits | 78.0439% | 3,052 |
| Net loans and leases to core deposits | 79.4071% | 3,417 |
| Total domestic deposits to total assets | 87.9146% | 1,380 |
| Equity capital to assets | 11.1502% | 2,705 |
| Core capital (leverage) ratio | 11.4939% | 2,139 |
| Tier 1 risk-based capital ratio | 16.0652% | 2,411 |
| Total risk-based capital ratio | 17.3211% | 2,355 |
| Memoranda: | ||
| Average total assets | $620,620,500 | 1,192 |
| Average earning assets | $585,362,500 | 1,176 |
| Average equity | $69,486,500 | 1,215 |
| Average total loans | $444,608,500 | 1,180 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,333 |
| Cost of funding earning assets | 0.1535% | 5,162 |
| Net interest margin | 4.3863% | 970 |
| Noninterest income to average assets | 1.1396% | 707 |
| Noninterest expense to average assets | 3.2740% | 1,388 |
| Loan and lease loss provision to assets | 0.1552% | 1,355 |
| Net operating income to assets | 1.4622% | 1,228 |
| Return on assets (ROA) | 1.4622% | 1,219 |
| Pretax return on assets | 1.8457% | 819 |
| Return on Equity (ROE) | 13.3234% | 1,226 |
| Retained earnings to average equity (ytd only) | 5.5604% | 2,449 |
| Net charge-offs to loans | 0.0603% | 2,272 |
| Credit loss provision to net charge-offs | 350.5535% | 908 |
| Earnings coverage of net charge-offs (x) | 45.2030% | 1,202 |
| Efficiency ratio | 62.0673% | 3,512 |
| Assets per employee ($millions) | 5.2040% | 2,261 |
| Cash dividends to net income (ytd only)* | 58.2663% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 859 |
| Loan loss allowance to noncurrent loans | 137.8062% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 964 |
| Noncurrent loans to loans | 1.2217% | 1,303 |
| Net loans and leases to total assets | 72.2962% | 2,209 |
| Net loans and leases to deposits | 82.3104% | 2,695 |
| Net loans and leases to core deposits | 83.7011% | 3,118 |
| Total domestic deposits to total assets | 87.8336% | 1,379 |
| Equity capital to assets | 11.2442% | 2,473 |
| Core capital (leverage) ratio | 11.0369% | 2,492 |
| Tier 1 risk-based capital ratio | 15.4421% | 2,646 |
| Total risk-based capital ratio | 16.6977% | 2,563 |
| Memoranda: | ||
| Average total assets | $612,224,400 | 1,179 |
| Average earning assets | $577,181,400 | 1,165 |
| Average equity | $67,190,000 | 1,204 |
| Average total loans | $449,607,200 | 1,144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 2,465 |
| Cost of funding earning assets | 0.1418% | 5,243 |
| Net interest margin | 4.3075% | 1,097 |
| Noninterest income to average assets | 1.1385% | 727 |
| Noninterest expense to average assets | 3.2729% | 1,364 |
| Loan and lease loss provision to assets | 0.1577% | 1,233 |
| Net operating income to assets | 1.3925% | 1,514 |
| Return on assets (ROA) | 1.3925% | 1,512 |
| Pretax return on assets | 1.7696% | 1,089 |
| Return on Equity (ROE) | 12.7664% | 1,513 |
| Retained earnings to average equity (ytd only) | 8.5674% | 1,385 |
| Net charge-offs to loans | 0.0118% | 2,988 |
| Credit loss provision to net charge-offs | 1,812.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 221.5582% | 409 |
| Efficiency ratio | 62.9376% | 3,347 |
| Assets per employee ($millions) | 5.2001% | 2,218 |
| Cash dividends to net income (ytd only)* | 32.8908% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 863 |
| Loan loss allowance to noncurrent loans | 103.7980% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5869% | 793 |
| Noncurrent loans to loans | 1.6385% | 963 |
| Net loans and leases to total assets | 69.2896% | 2,759 |
| Net loans and leases to deposits | 78.6167% | 3,178 |
| Net loans and leases to core deposits | 79.8152% | 3,507 |
| Total domestic deposits to total assets | 88.1360% | 1,184 |
| Equity capital to assets | 10.9592% | 2,698 |
| Core capital (leverage) ratio | 11.2654% | 2,362 |
| Tier 1 risk-based capital ratio | 15.7530% | 2,548 |
| Total risk-based capital ratio | 17.0088% | 2,483 |
| Memoranda: | ||
| Average total assets | $613,064,250 | 1,187 |
| Average earning assets | $578,083,000 | 1,165 |
| Average equity | $66,872,000 | 1,205 |
| Average total loans | $450,078,000 | 1,149 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 2,376 |
| Cost of funding earning assets | 0.1351% | 5,300 |
| Net interest margin | 4.2757% | 1,091 |
| Noninterest income to average assets | 1.1463% | 737 |
| Noninterest expense to average assets | 3.3218% | 1,267 |
| Loan and lease loss provision to assets | 0.1234% | 1,604 |
| Net operating income to assets | 1.3665% | 1,546 |
| Return on assets (ROA) | 1.3665% | 1,550 |
| Pretax return on assets | 1.7312% | 1,136 |
| Return on Equity (ROE) | 12.5482% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.5377% | 1,388 |
| Net charge-offs to loans | 0.0031% | 3,072 |
| Credit loss provision to net charge-offs | 5,357.1429% | 77 |
| Earnings coverage of net charge-offs (x) | 805.0000% | 102 |
| Efficiency ratio | 64.1722% | 3,293 |
| Assets per employee ($millions) | 5.1728% | 2,224 |
| Cash dividends to net income (ytd only)* | 31.9605% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,120 |
| Loan loss allowance to noncurrent loans | 112.2554% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.5261% | 869 |
| Noncurrent loans to loans | 1.4222% | 1,189 |
| Net loans and leases to total assets | 72.3642% | 2,219 |
| Net loans and leases to deposits | 82.0552% | 2,764 |
| Net loans and leases to core deposits | 83.3418% | 3,138 |
| Total domestic deposits to total assets | 88.1897% | 1,279 |
| Equity capital to assets | 10.9540% | 2,678 |
| Core capital (leverage) ratio | 10.9798% | 2,541 |
| Tier 1 risk-based capital ratio | 14.8878% | 2,926 |
| Total risk-based capital ratio | 16.1421% | 2,845 |
| Memoranda: | ||
| Average total assets | $607,680,000 | 1,193 |
| Average earning assets | $572,771,670 | 1,175 |
| Average equity | $66,177,000 | 1,216 |
| Average total loans | $452,262,330 | 1,143 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,343 |
| Cost of funding earning assets | 0.1307% | 5,354 |
| Net interest margin | 4.2218% | 1,122 |
| Noninterest income to average assets | 1.1190% | 747 |
| Noninterest expense to average assets | 3.2975% | 1,351 |
| Loan and lease loss provision to assets | 0.0994% | 1,863 |
| Net operating income to assets | 1.3450% | 1,493 |
| Return on assets (ROA) | 1.3450% | 1,508 |
| Pretax return on assets | 1.7014% | 1,114 |
| Return on Equity (ROE) | 12.3873% | 1,443 |
| Retained earnings to average equity (ytd only) | 8.5796% | 1,622 |
| Net charge-offs to loans | -0.0628% | 5,066 |
| Credit loss provision to net charge-offs | -211.2676% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6784% | 3,376 |
| Assets per employee ($millions) | 5.0676% | 2,406 |
| Cash dividends to net income (ytd only)* | 30.7389% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,294 |
| Loan loss allowance to noncurrent loans | 112.1851% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.5282% | 901 |
| Noncurrent loans to loans | 1.3792% | 1,295 |
| Net loans and leases to total assets | 74.7061% | 1,754 |
| Net loans and leases to deposits | 84.7968% | 2,310 |
| Net loans and leases to core deposits | 86.2160% | 2,789 |
| Total domestic deposits to total assets | 88.1002% | 1,560 |
| Equity capital to assets | 10.9691% | 2,619 |
| Core capital (leverage) ratio | 11.0393% | 2,402 |
| Tier 1 risk-based capital ratio | 14.2744% | 3,242 |
| Total risk-based capital ratio | 15.5277% | 3,157 |
| Memoranda: | ||
| Average total assets | $603,738,000 | 1,209 |
| Average earning assets | $569,048,000 | 1,189 |
| Average equity | $65,551,000 | 1,232 |
| Average total loans | $452,056,000 | 1,149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,975 |
| Cost of funding earning assets | 0.1362% | 5,333 |
| Net interest margin | 3.9864% | 1,787 |
| Noninterest income to average assets | 1.1196% | 812 |
| Noninterest expense to average assets | 3.3864% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7474% | 3,401 |
| Return on assets (ROA) | 0.7474% | 3,440 |
| Pretax return on assets | 1.4661% | 1,757 |
| Return on Equity (ROE) | 7.0137% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.7512% | 2,979 |
| Net charge-offs to loans | 0.1280% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.7986% | 2,220 |
| Efficiency ratio | 69.7864% | 2,596 |
| Assets per employee ($millions) | 4.9953% | 2,483 |
| Cash dividends to net income (ytd only)* | 46.5163% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,304 |
| Loan loss allowance to noncurrent loans | 102.9880% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.6062% | 828 |
| Noncurrent loans to loans | 1.4915% | 1,140 |
| Net loans and leases to total assets | 72.7398% | 2,127 |
| Net loans and leases to deposits | 82.3086% | 2,690 |
| Net loans and leases to core deposits | 83.7198% | 3,079 |
| Total domestic deposits to total assets | 88.3744% | 1,314 |
| Equity capital to assets | 10.7462% | 2,900 |
| Core capital (leverage) ratio | 10.6140% | 2,725 |
| Tier 1 risk-based capital ratio | 14.3799% | 3,155 |
| Total risk-based capital ratio | 15.6334% | 3,061 |
| Memoranda: | ||
| Average total assets | $599,123,200 | 1,193 |
| Average earning assets | $561,037,800 | 1,184 |
| Average equity | $63,846,400 | 1,240 |
| Average total loans | $434,434,800 | 1,155 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,137 |
| Cost of funding earning assets | 0.1357% | 5,393 |
| Net interest margin | 3.9245% | 1,954 |
| Noninterest income to average assets | 1.0737% | 886 |
| Noninterest expense to average assets | 3.3975% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8580% | 3,240 |
| Return on assets (ROA) | 0.8580% | 3,287 |
| Pretax return on assets | 1.3451% | 2,308 |
| Return on Equity (ROE) | 8.0686% | 3,091 |
| Retained earnings to average equity (ytd only) | 4.6730% | 3,096 |
| Net charge-offs to loans | 0.0380% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 49.0313% | 1,132 |
| Efficiency ratio | 71.6375% | 2,256 |
| Assets per employee ($millions) | 4.9726% | 2,484 |
| Cash dividends to net income (ytd only)* | 42.0846% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 1,152 |
| Loan loss allowance to noncurrent loans | 94.6153% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.0315% | 629 |
| Noncurrent loans to loans | 1.7352% | 1,039 |
| Net loans and leases to total assets | 71.4284% | 2,342 |
| Net loans and leases to deposits | 80.7338% | 2,897 |
| Net loans and leases to core deposits | 82.1638% | 3,271 |
| Total domestic deposits to total assets | 88.4740% | 1,136 |
| Equity capital to assets | 10.5933% | 3,267 |
| Core capital (leverage) ratio | 10.6636% | 2,808 |
| Tier 1 risk-based capital ratio | 14.1327% | 3,389 |
| Total risk-based capital ratio | 15.3871% | 3,287 |
| Memoranda: | ||
| Average total assets | $597,797,500 | 1,204 |
| Average earning assets | $558,870,000 | 1,198 |
| Average equity | $63,569,750 | 1,252 |
| Average total loans | $431,414,250 | 1,168 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,210 |
| Cost of funding earning assets | 0.1354% | 5,418 |
| Net interest margin | 3.8624% | 2,054 |
| Noninterest income to average assets | 1.0782% | 862 |
| Noninterest expense to average assets | 3.4036% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8163% | 3,321 |
| Return on assets (ROA) | 0.8163% | 3,375 |
| Pretax return on assets | 1.2812% | 2,459 |
| Return on Equity (ROE) | 7.6659% | 3,215 |
| Retained earnings to average equity (ytd only) | 4.2937% | 3,151 |
| Net charge-offs to loans | 0.0459% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 38.7755% | 1,274 |
| Efficiency ratio | 72.6520% | 2,240 |
| Assets per employee ($millions) | 4.9748% | 2,421 |
| Cash dividends to net income (ytd only)* | 43.9901% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,119 |
| Loan loss allowance to noncurrent loans | 90.9170% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.1833% | 550 |
| Noncurrent loans to loans | 1.8323% | 974 |
| Net loans and leases to total assets | 70.5861% | 2,430 |
| Net loans and leases to deposits | 79.5639% | 2,958 |
| Net loans and leases to core deposits | 81.0600% | 3,342 |
| Total domestic deposits to total assets | 88.7162% | 1,098 |
| Equity capital to assets | 10.4394% | 3,418 |
| Core capital (leverage) ratio | 10.5603% | 2,851 |
| Tier 1 risk-based capital ratio | 13.8274% | 3,519 |
| Total risk-based capital ratio | 15.0816% | 3,439 |
| Memoranda: | ||
| Average total assets | $593,188,330 | 1,216 |
| Average earning assets | $553,907,330 | 1,205 |
| Average equity | $63,162,670 | 1,258 |
| Average total loans | $427,163,670 | 1,182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 3,318 |
| Cost of funding earning assets | 0.1359% | 5,454 |
| Net interest margin | 3.7855% | 2,164 |
| Noninterest income to average assets | 1.1174% | 797 |
| Noninterest expense to average assets | 3.4188% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7824% | 3,296 |
| Return on assets (ROA) | 0.7824% | 3,352 |
| Pretax return on assets | 1.2291% | 2,478 |
| Return on Equity (ROE) | 7.2734% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.6112% | 3,632 |
| Net charge-offs to loans | -0.0380% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5554% | 2,310 |
| Assets per employee ($millions) | 4.8500% | 2,628 |
| Cash dividends to net income (ytd only)* | 50.3503% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 1,098 |
| Loan loss allowance to noncurrent loans | 105.5650% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.1157% | 606 |
| Noncurrent loans to loans | 1.6345% | 1,188 |
| Net loans and leases to total assets | 71.1745% | 2,190 |
| Net loans and leases to deposits | 80.4869% | 2,687 |
| Net loans and leases to core deposits | 81.8461% | 3,108 |
| Total domestic deposits to total assets | 88.4298% | 1,468 |
| Equity capital to assets | 10.5790% | 3,092 |
| Core capital (leverage) ratio | 10.8699% | 2,519 |
| Tier 1 risk-based capital ratio | 14.1066% | 3,408 |
| Total risk-based capital ratio | 15.3619% | 3,332 |
| Memoranda: | ||
| Average total assets | $583,830,000 | 1,233 |
| Average earning assets | $544,493,000 | 1,225 |
| Average equity | $62,804,500 | 1,265 |
| Average total loans | $421,127,000 | 1,196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,490 |
| Cost of funding earning assets | 0.1434% | 5,467 |
| Net interest margin | 3.7779% | 2,400 |
| Noninterest income to average assets | 1.1587% | 849 |
| Noninterest expense to average assets | 3.5910% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6792% | 3,874 |
| Return on assets (ROA) | 0.6792% | 3,990 |
| Pretax return on assets | 1.0867% | 3,153 |
| Return on Equity (ROE) | 6.2402% | 3,873 |
| Retained earnings to average equity (ytd only) | 3.1209% | 3,687 |
| Net charge-offs to loans | 0.1531% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.9610% | 2,701 |
| Efficiency ratio | 76.7690% | 1,885 |
| Assets per employee ($millions) | 4.6812% | 2,822 |
| Cash dividends to net income (ytd only)* | 49.9870% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 935 |
| Loan loss allowance to noncurrent loans | 103.6338% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 573 |
| Noncurrent loans to loans | 1.7442% | 1,102 |
| Net loans and leases to total assets | 70.5280% | 2,400 |
| Net loans and leases to deposits | 79.9678% | 2,889 |
| Net loans and leases to core deposits | 81.4256% | 3,266 |
| Total domestic deposits to total assets | 88.1956% | 1,537 |
| Equity capital to assets | 10.9436% | 2,673 |
| Core capital (leverage) ratio | 10.7896% | 2,541 |
| Tier 1 risk-based capital ratio | 14.8795% | 3,018 |
| Total risk-based capital ratio | 16.1361% | 2,954 |
| Memoranda: | ||
| Average total assets | $564,660,800 | 1,234 |
| Average earning assets | $525,958,600 | 1,217 |
| Average equity | $61,456,400 | 1,270 |
| Average total loans | $402,300,800 | 1,198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 3,522 |
| Cost of funding earning assets | 0.1427% | 5,525 |
| Net interest margin | 3.7761% | 2,423 |
| Noninterest income to average assets | 1.1447% | 878 |
| Noninterest expense to average assets | 3.5780% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6701% | 4,003 |
| Return on assets (ROA) | 0.6701% | 4,125 |
| Pretax return on assets | 1.0827% | 3,305 |
| Return on Equity (ROE) | 6.1659% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.9718% | 4,131 |
| Net charge-offs to loans | 0.1162% | 1,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.1003% | 2,335 |
| Efficiency ratio | 76.7707% | 1,863 |
| Assets per employee ($millions) | 4.5996% | 2,930 |
| Cash dividends to net income (ytd only)* | 51.8022% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 860 |
| Loan loss allowance to noncurrent loans | 86.6261% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.5334% | 533 |
| Noncurrent loans to loans | 2.1875% | 859 |
| Net loans and leases to total assets | 69.1731% | 2,611 |
| Net loans and leases to deposits | 78.2616% | 3,158 |
| Net loans and leases to core deposits | 79.7181% | 3,475 |
| Total domestic deposits to total assets | 88.3870% | 1,193 |
| Equity capital to assets | 10.7727% | 3,280 |
| Core capital (leverage) ratio | 10.8859% | 2,587 |
| Tier 1 risk-based capital ratio | 14.8418% | 3,129 |
| Total risk-based capital ratio | 16.0992% | 3,055 |
| Memoranda: | ||
| Average total assets | $563,048,750 | 1,238 |
| Average earning assets | $524,269,250 | 1,221 |
| Average equity | $61,195,500 | 1,279 |
| Average total loans | $400,324,250 | 1,201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,429 |
| Cost of funding earning assets | 0.1430% | 5,593 |
| Net interest margin | 3.8060% | 2,297 |
| Noninterest income to average assets | 1.1122% | 906 |
| Noninterest expense to average assets | 3.5766% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6804% | 3,894 |
| Return on assets (ROA) | 0.6804% | 4,037 |
| Pretax return on assets | 1.0782% | 3,288 |
| Return on Equity (ROE) | 6.2414% | 3,940 |
| Retained earnings to average equity (ytd only) | 2.7729% | 4,133 |
| Net charge-offs to loans | -0.0211% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8368% | 1,954 |
| Assets per employee ($millions) | 4.5177% | 2,991 |
| Cash dividends to net income (ytd only)* | 55.5731% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 765 |
| Loan loss allowance to noncurrent loans | 90.6162% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.5461% | 537 |
| Noncurrent loans to loans | 2.1868% | 862 |
| Net loans and leases to total assets | 70.7131% | 2,363 |
| Net loans and leases to deposits | 80.0924% | 2,921 |
| Net loans and leases to core deposits | 81.6961% | 3,302 |
| Total domestic deposits to total assets | 88.2894% | 1,281 |
| Equity capital to assets | 10.8707% | 3,202 |
| Core capital (leverage) ratio | 10.8184% | 2,625 |
| Tier 1 risk-based capital ratio | 14.9171% | 3,110 |
| Total risk-based capital ratio | 16.1761% | 3,052 |
| Memoranda: | ||
| Average total assets | $559,081,000 | 1,250 |
| Average earning assets | $520,395,000 | 1,233 |
| Average equity | $60,948,000 | 1,285 |
| Average total loans | $398,634,330 | 1,213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,771 |
| Cost of funding earning assets | 0.1429% | 5,657 |
| Net interest margin | 3.7063% | 2,647 |
| Noninterest income to average assets | 1.0916% | 909 |
| Noninterest expense to average assets | 3.5278% | 1,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6407% | 4,018 |
| Return on assets (ROA) | 0.6407% | 4,139 |
| Pretax return on assets | 1.0146% | 3,422 |
| Return on Equity (ROE) | 5.8688% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.6754% | 3,654 |
| Net charge-offs to loans | -0.0152% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6634% | 1,944 |
| Assets per employee ($millions) | 4.3922% | 3,262 |
| Cash dividends to net income (ytd only)* | 37.3737% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 789 |
| Loan loss allowance to noncurrent loans | 83.9612% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 523 |
| Noncurrent loans to loans | 2.4070% | 803 |
| Net loans and leases to total assets | 69.3842% | 2,444 |
| Net loans and leases to deposits | 78.5320% | 2,948 |
| Net loans and leases to core deposits | 80.2660% | 3,296 |
| Total domestic deposits to total assets | 88.3515% | 1,436 |
| Equity capital to assets | 10.8598% | 3,104 |
| Core capital (leverage) ratio | 11.0721% | 2,342 |
| Tier 1 risk-based capital ratio | 15.3202% | 3,009 |
| Total risk-based capital ratio | 16.5799% | 2,945 |
| Memoranda: | ||
| Average total assets | $556,267,000 | 1,262 |
| Average earning assets | $517,927,000 | 1,244 |
| Average equity | $60,728,000 | 1,286 |
| Average total loans | $394,253,500 | 1,215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,269 |
| Cost of funding earning assets | 0.1574% | 5,641 |
| Net interest margin | 3.8543% | 2,187 |
| Noninterest income to average assets | 1.2254% | 795 |
| Noninterest expense to average assets | 3.7828% | 881 |
| Loan and lease loss provision to assets | 0.1168% | 2,041 |
| Net operating income to assets | 0.5498% | 4,499 |
| Return on assets (ROA) | 0.5494% | 4,596 |
| Pretax return on assets | 0.8905% | 3,877 |
| Return on Equity (ROE) | 4.9312% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.6132% | 4,215 |
| Net charge-offs to loans | 0.0639% | 2,947 |
| Credit loss provision to net charge-offs | 249.0040% | 1,161 |
| Earnings coverage of net charge-offs (x) | 21.4861% | 1,812 |
| Efficiency ratio | 78.9624% | 1,822 |
| Assets per employee ($millions) | 4.3333% | 3,333 |
| Cash dividends to net income (ytd only)* | 47.0068% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 729 |
| Loan loss allowance to noncurrent loans | 76.2149% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.9164% | 461 |
| Noncurrent loans to loans | 2.6989% | 652 |
| Net loans and leases to total assets | 69.4766% | 2,455 |
| Net loans and leases to deposits | 78.7234% | 2,971 |
| Net loans and leases to core deposits | 80.2437% | 3,315 |
| Total domestic deposits to total assets | 88.2540% | 1,505 |
| Equity capital to assets | 10.9756% | 2,848 |
| Core capital (leverage) ratio | 10.9402% | 2,459 |
| Tier 1 risk-based capital ratio | 15.4398% | 2,961 |
| Total risk-based capital ratio | 16.6999% | 2,896 |
| Memoranda: | ||
| Average total assets | $535,110,600 | 1,264 |
| Average earning assets | $494,981,800 | 1,262 |
| Average equity | $59,620,600 | 1,268 |
| Average total loans | $392,529,800 | 1,176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 3,300 |
| Cost of funding earning assets | 0.1587% | 5,719 |
| Net interest margin | 3.8504% | 2,185 |
| Noninterest income to average assets | 1.2705% | 746 |
| Noninterest expense to average assets | 3.7983% | 852 |
| Loan and lease loss provision to assets | 0.1405% | 1,577 |
| Net operating income to assets | 0.5441% | 4,614 |
| Return on assets (ROA) | 0.5441% | 4,710 |
| Pretax return on assets | 0.8874% | 4,023 |
| Return on Equity (ROE) | 4.8642% | 4,689 |
| Retained earnings to average equity (ytd only) | 2.4927% | 4,628 |
| Net charge-offs to loans | 0.0712% | 2,546 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 19.5050% | 1,934 |
| Efficiency ratio | 78.7022% | 1,857 |
| Assets per employee ($millions) | 4.2390% | 3,445 |
| Cash dividends to net income (ytd only)* | 48.7548% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 886 |
| Loan loss allowance to noncurrent loans | 62.1922% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.5095% | 367 |
| Noncurrent loans to loans | 3.2518% | 509 |
| Net loans and leases to total assets | 70.9317% | 2,247 |
| Net loans and leases to deposits | 80.3827% | 2,837 |
| Net loans and leases to core deposits | 82.0111% | 3,248 |
| Total domestic deposits to total assets | 88.2425% | 1,428 |
| Equity capital to assets | 10.9585% | 3,072 |
| Core capital (leverage) ratio | 10.9619% | 2,528 |
| Tier 1 risk-based capital ratio | 15.2352% | 3,171 |
| Total risk-based capital ratio | 16.4951% | 3,106 |
| Memoranda: | ||
| Average total assets | $531,305,500 | 1,279 |
| Average earning assets | $490,640,000 | 1,281 |
| Average equity | $59,425,250 | 1,280 |
| Average total loans | $393,067,000 | 1,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,091 |
| Cost of funding earning assets | 0.1592% | 5,783 |
| Net interest margin | 3.8875% | 2,028 |
| Noninterest income to average assets | 1.3354% | 686 |
| Noninterest expense to average assets | 3.8473% | 817 |
| Loan and lease loss provision to assets | 0.1521% | 1,402 |
| Net operating income to assets | 0.5660% | 4,494 |
| Return on assets (ROA) | 0.5660% | 4,595 |
| Pretax return on assets | 0.9199% | 3,882 |
| Return on Equity (ROE) | 5.0254% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.1928% | 4,014 |
| Net charge-offs to loans | 0.0949% | 2,071 |
| Credit loss provision to net charge-offs | 215.0538% | 1,155 |
| Earnings coverage of net charge-offs (x) | 15.1613% | 1,994 |
| Efficiency ratio | 78.2088% | 2,037 |
| Assets per employee ($millions) | 4.1529% | 3,566 |
| Cash dividends to net income (ytd only)* | 36.4674% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 1,008 |
| Loan loss allowance to noncurrent loans | 63.3349% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.5413% | 408 |
| Noncurrent loans to loans | 3.1352% | 611 |
| Net loans and leases to total assets | 72.5132% | 1,893 |
| Net loans and leases to deposits | 82.3998% | 2,507 |
| Net loans and leases to core deposits | 84.1463% | 2,970 |
| Total domestic deposits to total assets | 88.0016% | 1,654 |
| Equity capital to assets | 11.1428% | 2,728 |
| Core capital (leverage) ratio | 11.1093% | 2,324 |
| Tier 1 risk-based capital ratio | 15.0526% | 3,331 |
| Total risk-based capital ratio | 16.3117% | 3,263 |
| Memoranda: | ||
| Average total assets | $526,132,000 | 1,301 |
| Average earning assets | $485,037,000 | 1,302 |
| Average equity | $59,259,000 | 1,293 |
| Average total loans | $392,129,670 | 1,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,080 |
| Cost of funding earning assets | 0.1591% | 5,849 |
| Net interest margin | 3.8819% | 1,958 |
| Noninterest income to average assets | 1.4693% | 554 |
| Noninterest expense to average assets | 3.8041% | 875 |
| Loan and lease loss provision to assets | 0.1995% | 932 |
| Net operating income to assets | 0.6476% | 4,059 |
| Return on assets (ROA) | 0.6476% | 4,179 |
| Pretax return on assets | 1.0404% | 3,339 |
| Return on Equity (ROE) | 5.7181% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,562 |
| Net charge-offs to loans | 0.0103% | 2,988 |
| Credit loss provision to net charge-offs | 2,600.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 161.6000% | 339 |
| Efficiency ratio | 75.4183% | 2,599 |
| Assets per employee ($millions) | 4.2011% | 3,562 |
| Cash dividends to net income (ytd only)* | 28.7915% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 1,022 |
| Loan loss allowance to noncurrent loans | 61.1713% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 3.6509% | 441 |
| Noncurrent loans to loans | 3.3219% | 608 |
| Net loans and leases to total assets | 71.4484% | 1,905 |
| Net loans and leases to deposits | 81.1415% | 2,431 |
| Net loans and leases to core deposits | 83.0348% | 2,870 |
| Total domestic deposits to total assets | 88.0540% | 1,791 |
| Equity capital to assets | 11.1226% | 2,839 |
| Core capital (leverage) ratio | 11.4248% | 2,061 |
| Tier 1 risk-based capital ratio | 15.2098% | 3,316 |
| Total risk-based capital ratio | 16.4688% | 3,235 |
| Memoranda: | ||
| Average total assets | $521,333,500 | 1,315 |
| Average earning assets | $480,078,500 | 1,314 |
| Average equity | $59,041,000 | 1,300 |
| Average total loans | $390,022,500 | 1,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,692 |
| Cost of funding earning assets | 0.1935% | 5,802 |
| Net interest margin | 4.0824% | 1,641 |
| Noninterest income to average assets | 1.1406% | 931 |
| Noninterest expense to average assets | 3.9038% | 849 |
| Loan and lease loss provision to assets | 0.3672% | 508 |
| Net operating income to assets | 0.3719% | 5,317 |
| Return on assets (ROA) | 0.3719% | 5,385 |
| Pretax return on assets | 0.5960% | 4,953 |
| Return on Equity (ROE) | 3.1962% | 5,413 |
| Retained earnings to average equity (ytd only) | 0.8528% | 5,389 |
| Net charge-offs to loans | 0.6741% | 561 |
| Credit loss provision to net charge-offs | 70.5299% | 3,065 |
| Earnings coverage of net charge-offs (x) | 1.8502% | 4,321 |
| Efficiency ratio | 80.2096% | 1,898 |
| Assets per employee ($millions) | 3.9775% | 4,008 |
| Cash dividends to net income (ytd only)* | 73.3191% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9584% | 1,185 |
| Loan loss allowance to noncurrent loans | 51.9333% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.2846% | 379 |
| Noncurrent loans to loans | 3.7710% | 518 |
| Net loans and leases to total assets | 75.2811% | 1,367 |
| Net loans and leases to deposits | 85.9384% | 1,994 |
| Net loans and leases to core deposits | 88.0608% | 2,492 |
| Total domestic deposits to total assets | 87.5989% | 1,980 |
| Equity capital to assets | 11.5370% | 2,400 |
| Core capital (leverage) ratio | 11.4204% | 2,045 |
| Tier 1 risk-based capital ratio | 15.6136% | 3,183 |
| Total risk-based capital ratio | 16.8738% | 3,105 |
| Memoranda: | ||
| Average total assets | $503,846,400 | 1,324 |
| Average earning assets | $459,903,400 | 1,336 |
| Average equity | $58,631,600 | 1,246 |
| Average total loans | $389,085,000 | 1,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 2,713 |
| Cost of funding earning assets | 0.2015% | 5,813 |
| Net interest margin | 4.0783% | 1,642 |
| Noninterest income to average assets | 1.1857% | 855 |
| Noninterest expense to average assets | 3.8856% | 865 |
| Loan and lease loss provision to assets | 0.4908% | 310 |
| Net operating income to assets | 0.3255% | 5,510 |
| Return on assets (ROA) | 0.3255% | 5,578 |
| Pretax return on assets | 0.5251% | 5,251 |
| Return on Equity (ROE) | 2.7915% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.7359% | 5,181 |
| Net charge-offs to loans | 0.3376% | 1,188 |
| Credit loss provision to net charge-offs | 188.0081% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.8913% | 3,574 |
| Efficiency ratio | 79.2736% | 2,013 |
| Assets per employee ($millions) | 4.0063% | 3,871 |
| Cash dividends to net income (ytd only)* | 37.8157% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 766 |
| Loan loss allowance to noncurrent loans | 52.5676% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 5.1271% | 323 |
| Noncurrent loans to loans | 4.5034% | 436 |
| Net loans and leases to total assets | 75.9412% | 1,230 |
| Net loans and leases to deposits | 87.4093% | 1,741 |
| Net loans and leases to core deposits | 89.7450% | 2,254 |
| Total domestic deposits to total assets | 86.8799% | 2,382 |
| Equity capital to assets | 11.6856% | 2,325 |
| Core capital (leverage) ratio | 11.5591% | 2,016 |
| Tier 1 risk-based capital ratio | 15.5396% | 3,291 |
| Total risk-based capital ratio | 16.8047% | 3,223 |
| Memoranda: | ||
| Average total assets | $502,526,750 | 1,339 |
| Average earning assets | $457,858,500 | 1,352 |
| Average equity | $58,605,000 | 1,255 |
| Average total loans | $388,623,500 | 1,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,760 |
| Cost of funding earning assets | 0.2096% | 5,828 |
| Net interest margin | 4.0446% | 1,679 |
| Noninterest income to average assets | 1.2440% | 757 |
| Noninterest expense to average assets | 3.8185% | 946 |
| Loan and lease loss provision to assets | 0.6178% | 229 |
| Net operating income to assets | 0.3033% | 5,555 |
| Return on assets (ROA) | 0.3033% | 5,624 |
| Pretax return on assets | 0.4923% | 5,301 |
| Return on Equity (ROE) | 2.6027% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.8092% | 4,985 |
| Net charge-offs to loans | 0.3723% | 1,093 |
| Credit loss provision to net charge-offs | 214.9792% | 1,103 |
| Earnings coverage of net charge-offs (x) | 3.8627% | 3,204 |
| Efficiency ratio | 77.4767% | 2,379 |
| Assets per employee ($millions) | 3.9829% | 3,875 |
| Cash dividends to net income (ytd only)* | 30.4862% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3746% | 834 |
| Loan loss allowance to noncurrent loans | 42.3746% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 6.0848% | 240 |
| Noncurrent loans to loans | 5.6038% | 309 |
| Net loans and leases to total assets | 75.2458% | 1,273 |
| Net loans and leases to deposits | 86.5561% | 1,764 |
| Net loans and leases to core deposits | 88.9675% | 2,212 |
| Total domestic deposits to total assets | 86.9331% | 2,484 |
| Equity capital to assets | 11.6115% | 2,313 |
| Core capital (leverage) ratio | 11.5757% | 1,944 |
| Tier 1 risk-based capital ratio | 15.4134% | 3,405 |
| Total risk-based capital ratio | 16.6783% | 3,335 |
| Memoranda: | ||
| Average total assets | $501,771,670 | 1,339 |
| Average earning assets | $457,106,670 | 1,343 |
| Average equity | $58,477,330 | 1,250 |
| Average total loans | $387,284,670 | 1,133 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,821 |
| Cost of funding earning assets | 0.2218% | 5,834 |
| Net interest margin | 3.9929% | 1,793 |
| Noninterest income to average assets | 1.1838% | 794 |
| Noninterest expense to average assets | 3.7203% | 1,102 |
| Loan and lease loss provision to assets | 0.6203% | 210 |
| Net operating income to assets | 0.3026% | 5,483 |
| Return on assets (ROA) | 0.3026% | 5,528 |
| Pretax return on assets | 0.4883% | 5,204 |
| Return on Equity (ROE) | 2.5913% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.5913% | 4,518 |
| Net charge-offs to loans | 0.3617% | 993 |
| Credit loss provision to net charge-offs | 222.0630% | 973 |
| Earnings coverage of net charge-offs (x) | 3.9685% | 2,592 |
| Efficiency ratio | 77.0429% | 2,641 |
| Assets per employee ($millions) | 4.0315% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2947% | 1,037 |
| Loan loss allowance to noncurrent loans | 36.8099% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 6.5812% | 242 |
| Noncurrent loans to loans | 6.2340% | 280 |
| Net loans and leases to total assets | 74.8168% | 1,147 |
| Net loans and leases to deposits | 86.4202% | 1,542 |
| Net loans and leases to core deposits | 89.5556% | 1,953 |
| Total domestic deposits to total assets | 86.5733% | 3,065 |
| Equity capital to assets | 11.6187% | 2,157 |
| Core capital (leverage) ratio | 11.5892% | 1,904 |
| Tier 1 risk-based capital ratio | 15.7651% | 3,290 |
| Total risk-based capital ratio | 17.0296% | 3,244 |
| Memoranda: | ||
| Average total assets | $499,740,500 | 1,352 |
| Average earning assets | $456,204,500 | 1,354 |
| Average equity | $58,348,500 | 1,248 |
| Average total loans | $385,988,500 | 1,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,488 |
| Cost of funding earning assets | 0.3064% | 5,548 |
| Net interest margin | 4.1187% | 1,594 |
| Noninterest income to average assets | 1.3453% | 766 |
| Noninterest expense to average assets | 3.6304% | 1,398 |
| Loan and lease loss provision to assets | 0.9792% | 186 |
| Net operating income to assets | 0.3214% | 5,450 |
| Return on assets (ROA) | 0.3214% | 5,547 |
| Pretax return on assets | 0.4926% | 5,223 |
| Return on Equity (ROE) | 2.7356% | 5,602 |
| Retained earnings to average equity (ytd only) | 0.8185% | 5,469 |
| Net charge-offs to loans | 1.5066% | 314 |
| Credit loss provision to net charge-offs | 82.7130% | 2,968 |
| Earnings coverage of net charge-offs (x) | 1.2432% | 4,654 |
| Efficiency ratio | 71.1538% | 3,638 |
| Assets per employee ($millions) | 3.9644% | 3,933 |
| Cash dividends to net income (ytd only)* | 70.0792% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 1,198 |
| Loan loss allowance to noncurrent loans | 33.2544% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 6.7388% | 257 |
| Noncurrent loans to loans | 6.5650% | 277 |
| Net loans and leases to total assets | 76.2118% | 1,041 |
| Net loans and leases to deposits | 88.2562% | 1,435 |
| Net loans and leases to core deposits | 92.0469% | 1,793 |
| Total domestic deposits to total assets | 86.3530% | 3,078 |
| Equity capital to assets | 11.7337% | 2,001 |
| Core capital (leverage) ratio | 11.4458% | 2,001 |
| Tier 1 risk-based capital ratio | 15.6851% | 3,260 |
| Total risk-based capital ratio | 16.9484% | 3,212 |
| Memoranda: | ||
| Average total assets | $510,601,200 | 1,300 |
| Average earning assets | $465,756,000 | 1,308 |
| Average equity | $59,986,400 | 1,199 |
| Average total loans | $401,236,600 | 1,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 2,487 |
| Cost of funding earning assets | 0.3219% | 5,534 |
| Net interest margin | 4.1105% | 1,602 |
| Noninterest income to average assets | 1.3318% | 832 |
| Noninterest expense to average assets | 3.5699% | 1,456 |
| Loan and lease loss provision to assets | 0.9915% | 170 |
| Net operating income to assets | 0.3300% | 5,495 |
| Return on assets (ROA) | 0.3300% | 5,624 |
| Pretax return on assets | 0.5179% | 5,300 |
| Return on Equity (ROE) | 2.8079% | 5,676 |
| Retained earnings to average equity (ytd only) | 0.2713% | 5,861 |
| Net charge-offs to loans | 1.1446% | 483 |
| Credit loss provision to net charge-offs | 110.0086% | 2,140 |
| Earnings coverage of net charge-offs (x) | 1.6747% | 4,280 |
| Efficiency ratio | 70.2832% | 3,708 |
| Assets per employee ($millions) | 3.9740% | 3,887 |
| Cash dividends to net income (ytd only)* | 90.3381% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 944 |
| Loan loss allowance to noncurrent loans | 35.6606% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 7.4786% | 259 |
| Noncurrent loans to loans | 6.9878% | 298 |
| Net loans and leases to total assets | 77.3698% | 824 |
| Net loans and leases to deposits | 90.2208% | 1,139 |
| Net loans and leases to core deposits | 94.1439% | 1,559 |
| Total domestic deposits to total assets | 85.7561% | 3,377 |
| Equity capital to assets | 11.6275% | 2,190 |
| Core capital (leverage) ratio | 11.1909% | 2,313 |
| Tier 1 risk-based capital ratio | 15.3681% | 3,527 |
| Total risk-based capital ratio | 16.6351% | 3,482 |
| Memoranda: | ||
| Average total assets | $514,365,250 | 1,300 |
| Average earning assets | $468,937,250 | 1,306 |
| Average equity | $60,446,500 | 1,200 |
| Average total loans | $405,022,500 | 1,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 2,336 |
| Cost of funding earning assets | 0.3334% | 5,537 |
| Net interest margin | 4.1304% | 1,461 |
| Noninterest income to average assets | 1.3098% | 906 |
| Noninterest expense to average assets | 3.5365% | 1,527 |
| Loan and lease loss provision to assets | 0.9995% | 188 |
| Net operating income to assets | 0.3383% | 5,453 |
| Return on assets (ROA) | 0.3383% | 5,620 |
| Pretax return on assets | 0.5409% | 5,236 |
| Return on Equity (ROE) | 2.8692% | 5,675 |
| Retained earnings to average equity (ytd only) | 0.3521% | 5,753 |
| Net charge-offs to loans | 0.7728% | 822 |
| Credit loss provision to net charge-offs | 164.6612% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.5377% | 3,679 |
| Efficiency ratio | 69.6577% | 3,890 |
| Assets per employee ($millions) | 4.1586% | 3,454 |
| Cash dividends to net income (ytd only)* | 87.7273% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6165% | 868 |
| Loan loss allowance to noncurrent loans | 43.8828% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 6.4034% | 401 |
| Noncurrent loans to loans | 5.9624% | 483 |
| Net loans and leases to total assets | 75.1454% | 1,092 |
| Net loans and leases to deposits | 87.9880% | 1,341 |
| Net loans and leases to core deposits | 93.3640% | 1,583 |
| Total domestic deposits to total assets | 85.4042% | 3,692 |
| Equity capital to assets | 11.8070% | 2,042 |
| Core capital (leverage) ratio | 11.6541% | 1,829 |
| Tier 1 risk-based capital ratio | 16.0662% | 3,154 |
| Total risk-based capital ratio | 17.3350% | 3,086 |
| Memoranda: | ||
| Average total assets | $520,236,330 | 1,287 |
| Average earning assets | $474,479,670 | 1,295 |
| Average equity | $61,342,000 | 1,189 |
| Average total loans | $408,644,000 | 1,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 2,302 |
| Cost of funding earning assets | 0.3458% | 5,581 |
| Net interest margin | 4.1179% | 1,408 |
| Noninterest income to average assets | 1.2935% | 916 |
| Noninterest expense to average assets | 3.5131% | 1,597 |
| Loan and lease loss provision to assets | 1.0184% | 173 |
| Net operating income to assets | 0.3205% | 5,493 |
| Return on assets (ROA) | 0.3205% | 5,626 |
| Pretax return on assets | 0.5149% | 5,210 |
| Return on Equity (ROE) | 2.7199% | 5,698 |
| Retained earnings to average equity (ytd only) | 0.2087% | 5,714 |
| Net charge-offs to loans | 0.7847% | 779 |
| Credit loss provision to net charge-offs | 163.7824% | 1,280 |
| Earnings coverage of net charge-offs (x) | 2.4660% | 3,025 |
| Efficiency ratio | 69.6162% | 4,036 |
| Assets per employee ($millions) | 4.2087% | 3,519 |
| Cash dividends to net income (ytd only)* | 92.3261% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,185 |
| Loan loss allowance to noncurrent loans | 37.6754% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 6.9522% | 406 |
| Noncurrent loans to loans | 6.4913% | 494 |
| Net loans and leases to total assets | 76.3573% | 796 |
| Net loans and leases to deposits | 90.1980% | 949 |
| Net loans and leases to core deposits | 95.7403% | 1,215 |
| Total domestic deposits to total assets | 84.6551% | 4,198 |
| Equity capital to assets | 11.7523% | 2,214 |
| Core capital (leverage) ratio | 11.8596% | 1,650 |
| Tier 1 risk-based capital ratio | 15.6938% | 3,427 |
| Total risk-based capital ratio | 16.9601% | 3,384 |
| Memoranda: | ||
| Average total assets | $520,445,000 | 1,299 |
| Average earning assets | $474,317,500 | 1,304 |
| Average equity | $61,325,500 | 1,200 |
| Average total loans | $412,408,500 | 1,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 3,176 |
| Cost of funding earning assets | 0.4697% | 5,424 |
| Net interest margin | 4.0886% | 2,045 |
| Noninterest income to average assets | 1.2395% | 1,019 |
| Noninterest expense to average assets | 3.3104% | 2,304 |
| Loan and lease loss provision to assets | 1.1316% | 322 |
| Net operating income to assets | 0.3289% | 5,367 |
| Return on assets (ROA) | 0.3289% | 5,580 |
| Pretax return on assets | 0.5264% | 5,201 |
| Return on Equity (ROE) | 2.6027% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.4044% | 5,655 |
| Net charge-offs to loans | 1.6871% | 491 |
| Credit loss provision to net charge-offs | 85.5054% | 3,652 |
| Earnings coverage of net charge-offs (x) | 1.2528% | 4,836 |
| Efficiency ratio | 66.6287% | 4,390 |
| Assets per employee ($millions) | 4.2196% | 3,512 |
| Cash dividends to net income (ytd only)* | 84.4617% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,403 |
| Loan loss allowance to noncurrent loans | 33.5363% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 7.3648% | 410 |
| Noncurrent loans to loans | 6.7854% | 478 |
| Net loans and leases to total assets | 78.3915% | 626 |
| Net loans and leases to deposits | 94.1596% | 740 |
| Net loans and leases to core deposits | 99.9771% | 1,028 |
| Total domestic deposits to total assets | 83.2539% | 4,618 |
| Equity capital to assets | 11.8144% | 2,170 |
| Core capital (leverage) ratio | 11.7441% | 1,706 |
| Tier 1 risk-based capital ratio | 15.3135% | 3,535 |
| Total risk-based capital ratio | 16.5774% | 3,484 |
| Memoranda: | ||
| Average total assets | $547,886,400 | 1,225 |
| Average earning assets | $499,680,800 | 1,218 |
| Average equity | $69,235,200 | 1,017 |
| Average total loans | $429,800,200 | 972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 3,481 |
| Cost of funding earning assets | 0.4942% | 5,476 |
| Net interest margin | 4.0433% | 2,320 |
| Noninterest income to average assets | 1.1834% | 1,079 |
| Noninterest expense to average assets | 3.2183% | 2,504 |
| Loan and lease loss provision to assets | 1.1409% | 332 |
| Net operating income to assets | 0.3170% | 5,557 |
| Return on assets (ROA) | 0.3170% | 5,758 |
| Pretax return on assets | 0.5147% | 5,420 |
| Return on Equity (ROE) | 2.4714% | 5,890 |
| Retained earnings to average equity (ytd only) | 0.3407% | 5,985 |
| Net charge-offs to loans | 1.6234% | 515 |
| Credit loss provision to net charge-offs | 90.0645% | 3,290 |
| Earnings coverage of net charge-offs (x) | 1.3070% | 4,641 |
| Efficiency ratio | 66.0309% | 4,451 |
| Assets per employee ($millions) | 4.3248% | 3,222 |
| Cash dividends to net income (ytd only)* | 86.2122% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,389 |
| Loan loss allowance to noncurrent loans | 34.2219% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 7.5568% | 435 |
| Noncurrent loans to loans | 6.9689% | 524 |
| Net loans and leases to total assets | 76.9521% | 850 |
| Net loans and leases to deposits | 92.7123% | 901 |
| Net loans and leases to core deposits | 99.5027% | 1,161 |
| Total domestic deposits to total assets | 83.0010% | 4,636 |
| Equity capital to assets | 11.5071% | 2,732 |
| Core capital (leverage) ratio | 11.3442% | 2,097 |
| Tier 1 risk-based capital ratio | 15.1806% | 3,720 |
| Total risk-based capital ratio | 16.4396% | 3,660 |
| Memoranda: | ||
| Average total assets | $555,105,750 | 1,217 |
| Average earning assets | $506,665,000 | 1,210 |
| Average equity | $71,214,500 | 997 |
| Average total loans | $433,167,000 | 970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 3,560 |
| Cost of funding earning assets | 0.5037% | 5,594 |
| Net interest margin | 4.0469% | 2,307 |
| Noninterest income to average assets | 1.1776% | 1,029 |
| Noninterest expense to average assets | 3.2191% | 2,529 |
| Loan and lease loss provision to assets | 1.1460% | 367 |
| Net operating income to assets | 0.3152% | 5,565 |
| Return on assets (ROA) | 0.3152% | 5,772 |
| Pretax return on assets | 0.5096% | 5,412 |
| Return on Equity (ROE) | 2.3797% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.3058% | 5,942 |
| Net charge-offs to loans | 1.6662% | 556 |
| Credit loss provision to net charge-offs | 88.4288% | 3,093 |
| Earnings coverage of net charge-offs (x) | 1.2775% | 4,370 |
| Efficiency ratio | 66.0373% | 4,528 |
| Assets per employee ($millions) | 4.5373% | 2,837 |
| Cash dividends to net income (ytd only)* | 87.1477% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3966% | 1,421 |
| Loan loss allowance to noncurrent loans | 34.0604% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 7.0378% | 554 |
| Noncurrent loans to loans | 7.0363% | 549 |
| Net loans and leases to total assets | 74.3301% | 1,201 |
| Net loans and leases to deposits | 93.6864% | 802 |
| Net loans and leases to core deposits | 102.2686% | 963 |
| Total domestic deposits to total assets | 79.3392% | 5,892 |
| Equity capital to assets | 13.4788% | 1,312 |
| Core capital (leverage) ratio | 13.3649% | 1,030 |
| Tier 1 risk-based capital ratio | 18.3480% | 2,179 |
| Total risk-based capital ratio | 19.6135% | 2,139 |
| Memoranda: | ||
| Average total assets | $562,825,000 | 1,195 |
| Average earning assets | $514,174,670 | 1,191 |
| Average equity | $74,548,670 | 941 |
| Average total loans | $437,774,000 | 956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 3,638 |
| Cost of funding earning assets | 0.5180% | 5,698 |
| Net interest margin | 4.0526% | 2,288 |
| Noninterest income to average assets | 1.1419% | 1,083 |
| Noninterest expense to average assets | 3.1692% | 2,706 |
| Loan and lease loss provision to assets | 1.1807% | 330 |
| Net operating income to assets | 0.3109% | 5,626 |
| Return on assets (ROA) | 0.3109% | 5,788 |
| Pretax return on assets | 0.4977% | 5,438 |
| Return on Equity (ROE) | 2.3672% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.3060% | 5,886 |
| Net charge-offs to loans | 1.9682% | 481 |
| Credit loss provision to net charge-offs | 76.3446% | 2,796 |
| Earnings coverage of net charge-offs (x) | 1.0852% | 3,790 |
| Efficiency ratio | 65.3773% | 4,674 |
| Assets per employee ($millions) | 4.6290% | 2,762 |
| Cash dividends to net income (ytd only)* | 87.0748% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 1,695 |
| Loan loss allowance to noncurrent loans | 32.5187% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 7.1878% | 576 |
| Noncurrent loans to loans | 7.0358% | 632 |
| Net loans and leases to total assets | 75.6684% | 841 |
| Net loans and leases to deposits | 97.3140% | 469 |
| Net loans and leases to core deposits | 107.4015% | 628 |
| Total domestic deposits to total assets | 77.7569% | 6,301 |
| Equity capital to assets | 13.2003% | 1,357 |
| Core capital (leverage) ratio | 13.1304% | 1,077 |
| Tier 1 risk-based capital ratio | 17.4687% | 2,490 |
| Total risk-based capital ratio | 18.7333% | 2,452 |
| Memoranda: | ||
| Average total assets | $567,462,500 | 1,187 |
| Average earning assets | $518,876,500 | 1,178 |
| Average equity | $74,517,000 | 930 |
| Average total loans | $445,882,500 | 930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 3,761 |
| Cost of funding earning assets | 0.6690% | 5,717 |
| Net interest margin | 4.1419% | 2,260 |
| Noninterest income to average assets | 1.0319% | 1,283 |
| Noninterest expense to average assets | 2.9080% | 3,933 |
| Loan and lease loss provision to assets | 1.3923% | 562 |
| Net operating income to assets | 0.3363% | 5,114 |
| Return on assets (ROA) | 0.3363% | 5,276 |
| Pretax return on assets | 0.5376% | 4,882 |
| Return on Equity (ROE) | 2.7648% | 5,376 |
| Retained earnings to average equity (ytd only) | 0.2855% | 5,701 |
| Net charge-offs to loans | 1.8390% | 791 |
| Credit loss provision to net charge-offs | 95.2061% | 3,790 |
| Earnings coverage of net charge-offs (x) | 1.3197% | 4,786 |
| Efficiency ratio | 60.1097% | 5,738 |
| Assets per employee ($millions) | 4.7123% | 2,578 |
| Cash dividends to net income (ytd only)* | 89.6736% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3161% | 1,599 |
| Loan loss allowance to noncurrent loans | 28.6278% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 7.4563% | 595 |
| Noncurrent loans to loans | 8.0903% | 495 |
| Net loans and leases to total assets | 77.8527% | 724 |
| Net loans and leases to deposits | 102.1194% | 369 |
| Net loans and leases to core deposits | 114.0217% | 497 |
| Total domestic deposits to total assets | 76.2369% | 6,449 |
| Equity capital to assets | 13.0636% | 1,458 |
| Core capital (leverage) ratio | 12.7439% | 1,241 |
| Tier 1 risk-based capital ratio | 16.9498% | 2,629 |
| Total risk-based capital ratio | 18.2142% | 2,585 |
| Memoranda: | ||
| Average total assets | $610,512,200 | 1,068 |
| Average earning assets | $561,004,600 | 1,060 |
| Average equity | $74,254,400 | 908 |
| Average total loans | $485,486,400 | 858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 3,789 |
| Cost of funding earning assets | 0.6966% | 5,793 |
| Net interest margin | 4.1523% | 2,272 |
| Noninterest income to average assets | 1.0199% | 1,296 |
| Noninterest expense to average assets | 2.9180% | 3,847 |
| Loan and lease loss provision to assets | 1.3857% | 530 |
| Net operating income to assets | 0.3289% | 5,295 |
| Return on assets (ROA) | 0.3289% | 5,462 |
| Pretax return on assets | 0.5326% | 5,031 |
| Return on Equity (ROE) | 2.7512% | 5,523 |
| Retained earnings to average equity (ytd only) | 0.1330% | 5,918 |
| Net charge-offs to loans | 1.8278% | 726 |
| Credit loss provision to net charge-offs | 95.3860% | 3,588 |
| Earnings coverage of net charge-offs (x) | 1.3205% | 4,629 |
| Efficiency ratio | 60.3349% | 5,661 |
| Assets per employee ($millions) | 4.8458% | 2,400 |
| Cash dividends to net income (ytd only)* | 95.1668% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2699% | 1,736 |
| Loan loss allowance to noncurrent loans | 27.6031% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 7.6258% | 613 |
| Noncurrent loans to loans | 8.2232% | 523 |
| Net loans and leases to total assets | 77.4964% | 767 |
| Net loans and leases to deposits | 101.8018% | 396 |
| Net loans and leases to core deposits | 116.0428% | 494 |
| Total domestic deposits to total assets | 76.1248% | 6,519 |
| Equity capital to assets | 12.5772% | 1,866 |
| Core capital (leverage) ratio | 12.3741% | 1,497 |
| Tier 1 risk-based capital ratio | 16.2297% | 3,004 |
| Total risk-based capital ratio | 17.4933% | 2,958 |
| Memoranda: | ||
| Average total assets | $620,593,500 | 1,058 |
| Average earning assets | $570,398,750 | 1,044 |
| Average equity | $74,196,250 | 918 |
| Average total loans | $493,250,250 | 858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 4,840 |
| Cost of funding earning assets | 0.7151% | 5,871 |
| Net interest margin | 3.9161% | 3,237 |
| Noninterest income to average assets | 1.0742% | 1,130 |
| Noninterest expense to average assets | 2.8151% | 4,366 |
| Loan and lease loss provision to assets | 1.3325% | 555 |
| Net operating income to assets | 0.3268% | 5,265 |
| Return on assets (ROA) | 0.3268% | 5,398 |
| Pretax return on assets | 0.5267% | 4,977 |
| Return on Equity (ROE) | 2.7784% | 5,488 |
| Retained earnings to average equity (ytd only) | -0.0971% | 5,856 |
| Net charge-offs to loans | 1.7140% | 834 |
| Credit loss provision to net charge-offs | 97.7426% | 3,229 |
| Earnings coverage of net charge-offs (x) | 1.3637% | 4,258 |
| Efficiency ratio | 60.2253% | 5,838 |
| Assets per employee ($millions) | 4.9081% | 2,246 |
| Cash dividends to net income (ytd only)* | 103.4951% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 1,854 |
| Loan loss allowance to noncurrent loans | 25.3947% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 8.1038% | 561 |
| Noncurrent loans to loans | 8.7905% | 478 |
| Net loans and leases to total assets | 78.7573% | 675 |
| Net loans and leases to deposits | 101.8644% | 403 |
| Net loans and leases to core deposits | 119.7603% | 425 |
| Total domestic deposits to total assets | 77.3158% | 6,409 |
| Equity capital to assets | 12.2908% | 1,910 |
| Core capital (leverage) ratio | 11.9173% | 1,653 |
| Tier 1 risk-based capital ratio | 15.6106% | 3,176 |
| Total risk-based capital ratio | 16.8736% | 3,130 |
| Memoranda: | ||
| Average total assets | $630,394,330 | 1,045 |
| Average earning assets | $579,502,000 | 1,031 |
| Average equity | $74,143,330 | 915 |
| Average total loans | $501,402,670 | 861 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 5,196 |
| Cost of funding earning assets | 0.7311% | 5,973 |
| Net interest margin | 3.8111% | 3,561 |
| Noninterest income to average assets | 1.0066% | 1,307 |
| Noninterest expense to average assets | 2.7042% | 4,820 |
| Loan and lease loss provision to assets | 1.2583% | 552 |
| Net operating income to assets | 0.3467% | 5,188 |
| Return on assets (ROA) | 0.3467% | 5,270 |
| Pretax return on assets | 0.5487% | 4,870 |
| Return on Equity (ROE) | 3.0115% | 5,365 |
| Retained earnings to average equity (ytd only) | -0.6368% | 5,915 |
| Net charge-offs to loans | 1.0201% | 1,336 |
| Credit loss provision to net charge-offs | 156.0092% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.2404% | 3,198 |
| Efficiency ratio | 59.9449% | 5,986 |
| Assets per employee ($millions) | 5.0826% | 2,046 |
| Cash dividends to net income (ytd only)* | 121.1470% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 1,716 |
| Loan loss allowance to noncurrent loans | 24.4638% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 8.8794% | 495 |
| Noncurrent loans to loans | 9.5282% | 440 |
| Net loans and leases to total assets | 77.6528% | 777 |
| Net loans and leases to deposits | 100.7666% | 429 |
| Net loans and leases to core deposits | 123.9215% | 346 |
| Total domestic deposits to total assets | 77.0621% | 6,527 |
| Equity capital to assets | 11.7521% | 2,075 |
| Core capital (leverage) ratio | 11.5195% | 1,836 |
| Tier 1 risk-based capital ratio | 15.0714% | 3,386 |
| Total risk-based capital ratio | 16.3356% | 3,339 |
| Memoranda: | ||
| Average total assets | $643,744,500 | 1,030 |
| Average earning assets | $591,953,000 | 1,014 |
| Average equity | $74,115,500 | 904 |
| Average total loans | $508,949,500 | 859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 4,688 |
| Cost of funding earning assets | 0.8569% | 6,347 |
| Net interest margin | 4.1139% | 2,505 |
| Noninterest income to average assets | 0.9214% | 1,773 |
| Noninterest expense to average assets | 2.6537% | 5,199 |
| Loan and lease loss provision to assets | 1.3504% | 1,123 |
| Net operating income to assets | 0.4511% | 4,310 |
| Return on assets (ROA) | 0.4511% | 4,473 |
| Pretax return on assets | 0.7117% | 3,935 |
| Return on Equity (ROE) | 4.1041% | 4,475 |
| Retained earnings to average equity (ytd only) | 0.4199% | 5,367 |
| Net charge-offs to loans | 2.0130% | 1,001 |
| Credit loss provision to net charge-offs | 82.9384% | 5,448 |
| Earnings coverage of net charge-offs (x) | 1.2665% | 4,839 |
| Efficiency ratio | 56.2716% | 6,566 |
| Assets per employee ($millions) | 5.3873% | 1,685 |
| Cash dividends to net income (ytd only)* | 89.7697% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 2,027 |
| Loan loss allowance to noncurrent loans | 22.9844% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 8.2535% | 585 |
| Noncurrent loans to loans | 9.2207% | 491 |
| Net loans and leases to total assets | 76.9673% | 1,102 |
| Net loans and leases to deposits | 99.6704% | 600 |
| Net loans and leases to core deposits | 128.7248% | 349 |
| Total domestic deposits to total assets | 77.2219% | 6,444 |
| Equity capital to assets | 11.2841% | 2,424 |
| Core capital (leverage) ratio | 11.1787% | 2,030 |
| Tier 1 risk-based capital ratio | 14.6035% | 3,478 |
| Total risk-based capital ratio | 15.8648% | 3,433 |
| Memoranda: | ||
| Average total assets | $673,853,600 | 983 |
| Average earning assets | $621,526,600 | 969 |
| Average equity | $74,072,800 | 896 |
| Average total loans | $545,048,600 | 831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 4,878 |
| Cost of funding earning assets | 0.8738% | 6,493 |
| Net interest margin | 4.1140% | 2,560 |
| Noninterest income to average assets | 0.8430% | 2,022 |
| Noninterest expense to average assets | 2.6322% | 5,188 |
| Loan and lease loss provision to assets | 1.2831% | 1,091 |
| Net operating income to assets | 0.4450% | 4,565 |
| Return on assets (ROA) | 0.4450% | 4,754 |
| Pretax return on assets | 0.7229% | 4,165 |
| Return on Equity (ROE) | 4.0746% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.3925% | 5,635 |
| Net charge-offs to loans | 1.3509% | 1,504 |
| Credit loss provision to net charge-offs | 116.6428% | 3,567 |
| Earnings coverage of net charge-offs (x) | 1.8236% | 4,344 |
| Efficiency ratio | 56.7498% | 6,453 |
| Assets per employee ($millions) | 5.4609% | 1,663 |
| Cash dividends to net income (ytd only)* | 90.3668% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5469% | 1,275 |
| Loan loss allowance to noncurrent loans | 32.0063% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 7.3417% | 724 |
| Noncurrent loans to loans | 7.9575% | 655 |
| Net loans and leases to total assets | 78.3625% | 975 |
| Net loans and leases to deposits | 99.8412% | 672 |
| Net loans and leases to core deposits | 132.1601% | 348 |
| Total domestic deposits to total assets | 78.4871% | 6,146 |
| Equity capital to assets | 11.0361% | 2,927 |
| Core capital (leverage) ratio | 11.4189% | 1,993 |
| Tier 1 risk-based capital ratio | 14.1055% | 3,760 |
| Total risk-based capital ratio | 15.3725% | 3,724 |
| Memoranda: | ||
| Average total assets | $678,005,750 | 985 |
| Average earning assets | $625,456,500 | 972 |
| Average equity | $74,050,000 | 894 |
| Average total loans | $552,106,500 | 818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 4,867 |
| Cost of funding earning assets | 0.8900% | 6,625 |
| Net interest margin | 4.1270% | 2,442 |
| Noninterest income to average assets | 0.7758% | 2,253 |
| Noninterest expense to average assets | 2.5899% | 5,357 |
| Loan and lease loss provision to assets | 1.2792% | 1,085 |
| Net operating income to assets | 0.4402% | 4,584 |
| Return on assets (ROA) | 0.4402% | 4,740 |
| Pretax return on assets | 0.7140% | 4,185 |
| Return on Equity (ROE) | 4.0446% | 4,756 |
| Retained earnings to average equity (ytd only) | 0.3702% | 5,615 |
| Net charge-offs to loans | 0.5891% | 2,762 |
| Credit loss provision to net charge-offs | 265.5678% | 1,428 |
| Earnings coverage of net charge-offs (x) | 4.1380% | 3,043 |
| Efficiency ratio | 56.5095% | 6,573 |
| Assets per employee ($millions) | 5.3911% | 1,716 |
| Cash dividends to net income (ytd only)* | 90.8484% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8387% | 965 |
| Loan loss allowance to noncurrent loans | 40.4378% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 6.5969% | 841 |
| Noncurrent loans to loans | 7.0199% | 809 |
| Net loans and leases to total assets | 78.9132% | 974 |
| Net loans and leases to deposits | 102.6322% | 561 |
| Net loans and leases to core deposits | 134.7225% | 349 |
| Total domestic deposits to total assets | 76.8893% | 6,530 |
| Equity capital to assets | 10.9926% | 2,868 |
| Core capital (leverage) ratio | 11.2475% | 2,069 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,817 |
| Total risk-based capital ratio | 15.1492% | 3,763 |
| Memoranda: | ||
| Average total assets | $680,112,330 | 985 |
| Average earning assets | $627,425,000 | 976 |
| Average equity | $74,024,000 | 890 |
| Average total loans | $556,106,670 | 826 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 4,799 |
| Cost of funding earning assets | 0.8901% | 6,808 |
| Net interest margin | 4.1569% | 2,202 |
| Noninterest income to average assets | 0.6856% | 2,691 |
| Noninterest expense to average assets | 2.5854% | 5,415 |
| Loan and lease loss provision to assets | 1.2441% | 974 |
| Net operating income to assets | 0.4321% | 4,702 |
| Return on assets (ROA) | 0.4321% | 4,836 |
| Pretax return on assets | 0.6949% | 4,252 |
| Return on Equity (ROE) | 3.9894% | 4,901 |
| Retained earnings to average equity (ytd only) | 0.3351% | 5,701 |
| Net charge-offs to loans | 0.7900% | 1,944 |
| Credit loss provision to net charge-offs | 191.9603% | 1,925 |
| Earnings coverage of net charge-offs (x) | 2.9919% | 3,055 |
| Efficiency ratio | 57.1429% | 6,611 |
| Assets per employee ($millions) | 5.3569% | 1,817 |
| Cash dividends to net income (ytd only)* | 91.5989% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 1,301 |
| Loan loss allowance to noncurrent loans | 32.5894% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 7.2978% | 715 |
| Noncurrent loans to loans | 7.6501% | 732 |
| Net loans and leases to total assets | 80.2125% | 813 |
| Net loans and leases to deposits | 102.0008% | 644 |
| Net loans and leases to core deposits | 137.4481% | 361 |
| Total domestic deposits to total assets | 78.6391% | 6,168 |
| Equity capital to assets | 10.9666% | 2,795 |
| Core capital (leverage) ratio | 11.2173% | 2,080 |
| Tier 1 risk-based capital ratio | 13.6052% | 3,923 |
| Total risk-based capital ratio | 14.8714% | 3,874 |
| Memoranda: | ||
| Average total assets | $683,222,500 | 1,005 |
| Average earning assets | $630,953,500 | 991 |
| Average equity | $73,997,000 | 899 |
| Average total loans | $560,496,500 | 843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 4,224 |
| Cost of funding earning assets | 1.2607% | 6,438 |
| Net interest margin | 4.2246% | 1,993 |
| Noninterest income to average assets | 1.0460% | 1,421 |
| Noninterest expense to average assets | 2.6555% | 5,575 |
| Loan and lease loss provision to assets | 1.4882% | 1,547 |
| Net operating income to assets | 0.5652% | 3,466 |
| Return on assets (ROA) | 0.5652% | 3,542 |
| Pretax return on assets | 0.8209% | 3,182 |
| Return on Equity (ROE) | 5.4589% | 3,452 |
| Retained earnings to average equity (ytd only) | 1.5910% | 3,966 |
| Net charge-offs to loans | 0.7612% | 2,919 |
| Credit loss provision to net charge-offs | 230.9099% | 1,585 |
| Earnings coverage of net charge-offs (x) | 3.5828% | 3,287 |
| Efficiency ratio | 53.4889% | 7,283 |
| Assets per employee ($millions) | 5.4879% | 1,657 |
| Cash dividends to net income (ytd only)* | 70.8551% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,539 |
| Loan loss allowance to noncurrent loans | 34.8524% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 6.0711% | 927 |
| Noncurrent loans to loans | 6.5044% | 923 |
| Net loans and leases to total assets | 79.9616% | 997 |
| Net loans and leases to deposits | 105.9478% | 548 |
| Net loans and leases to core deposits | 129.4751% | 1,310 |
| Total domestic deposits to total assets | 75.4727% | 6,782 |
| Equity capital to assets | 10.6978% | 2,969 |
| Core capital (leverage) ratio | 11.2803% | 2,060 |
| Tier 1 risk-based capital ratio | 13.2720% | 3,970 |
| Total risk-based capital ratio | 14.5351% | 3,898 |
| Memoranda: | ||
| Average total assets | $678,657,000 | 1,014 |
| Average earning assets | $629,500,800 | 994 |
| Average equity | $70,271,200 | 926 |
| Average total loans | $574,584,000 | 831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 3,955 |
| Cost of funding earning assets | 1.3689% | 6,340 |
| Net interest margin | 4.2147% | 1,992 |
| Noninterest income to average assets | 1.0150% | 1,545 |
| Noninterest expense to average assets | 2.6816% | 5,403 |
| Loan and lease loss provision to assets | 1.3768% | 1,397 |
| Net operating income to assets | 0.5890% | 3,639 |
| Return on assets (ROA) | 0.5890% | 3,704 |
| Pretax return on assets | 0.8687% | 3,325 |
| Return on Equity (ROE) | 5.7373% | 3,634 |
| Retained earnings to average equity (ytd only) | 1.8362% | 4,293 |
| Net charge-offs to loans | 0.8763% | 2,214 |
| Credit loss provision to net charge-offs | 183.9884% | 2,481 |
| Earnings coverage of net charge-offs (x) | 3.0008% | 3,732 |
| Efficiency ratio | 54.4249% | 7,192 |
| Assets per employee ($millions) | 5.2679% | 1,821 |
| Cash dividends to net income (ytd only)* | 67.9960% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,260 |
| Loan loss allowance to noncurrent loans | 50.6527% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 4.1761% | 1,505 |
| Noncurrent loans to loans | 3.5668% | 2,098 |
| Net loans and leases to total assets | 82.8834% | 684 |
| Net loans and leases to deposits | 116.2498% | 267 |
| Net loans and leases to core deposits | 149.6046% | 588 |
| Total domestic deposits to total assets | 71.2977% | 7,304 |
| Equity capital to assets | 10.9549% | 3,056 |
| Core capital (leverage) ratio | 11.3503% | 2,161 |
| Tier 1 risk-based capital ratio | 13.0633% | 4,146 |
| Total risk-based capital ratio | 14.3215% | 4,077 |
| Memoranda: | ||
| Average total assets | $675,451,750 | 1,028 |
| Average earning assets | $626,966,500 | 1,014 |
| Average equity | $69,345,750 | 955 |
| Average total loans | $576,794,500 | 844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 4,087 |
| Cost of funding earning assets | 1.4958% | 6,158 |
| Net interest margin | 4.1023% | 2,312 |
| Noninterest income to average assets | 0.9544% | 1,743 |
| Noninterest expense to average assets | 2.8649% | 4,664 |
| Loan and lease loss provision to assets | 0.9100% | 1,855 |
| Net operating income to assets | 0.6593% | 3,431 |
| Return on assets (ROA) | 0.6593% | 3,540 |
| Pretax return on assets | 0.9931% | 3,040 |
| Return on Equity (ROE) | 6.5686% | 3,402 |
| Retained earnings to average equity (ytd only) | 2.5885% | 3,887 |
| Net charge-offs to loans | 0.9318% | 1,853 |
| Credit loss provision to net charge-offs | 113.9311% | 4,069 |
| Earnings coverage of net charge-offs (x) | 2.3827% | 3,874 |
| Efficiency ratio | 60.0857% | 6,539 |
| Assets per employee ($millions) | 5.3327% | 1,736 |
| Cash dividends to net income (ytd only)* | 60.5925% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,301 |
| Loan loss allowance to noncurrent loans | 31.5627% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 4.1154% | 1,417 |
| Noncurrent loans to loans | 4.1021% | 1,628 |
| Net loans and leases to total assets | 83.4859% | 713 |
| Net loans and leases to deposits | 115.7244% | 338 |
| Net loans and leases to core deposits | 152.9186% | 585 |
| Total domestic deposits to total assets | 72.1421% | 7,226 |
| Equity capital to assets | 10.8201% | 3,089 |
| Core capital (leverage) ratio | 11.1729% | 2,276 |
| Tier 1 risk-based capital ratio | 12.8839% | 4,225 |
| Total risk-based capital ratio | 14.1348% | 4,140 |
| Memoranda: | ||
| Average total assets | $675,837,670 | 1,042 |
| Average earning assets | $628,274,670 | 1,026 |
| Average equity | $67,838,330 | 988 |
| Average total loans | $579,339,000 | 858 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 4,249 |
| Cost of funding earning assets | 1.6671% | 5,750 |
| Net interest margin | 3.9517% | 2,843 |
| Noninterest income to average assets | 0.9833% | 1,533 |
| Noninterest expense to average assets | 2.9063% | 4,141 |
| Loan and lease loss provision to assets | 0.7138% | 1,793 |
| Net operating income to assets | 0.6894% | 3,608 |
| Return on assets (ROA) | 0.6894% | 3,794 |
| Pretax return on assets | 1.0404% | 3,202 |
| Return on Equity (ROE) | 7.1511% | 3,532 |
| Retained earnings to average equity (ytd only) | 3.0418% | 4,184 |
| Net charge-offs to loans | 0.0662% | 4,546 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 30.7188% | 1,033 |
| Efficiency ratio | 62.3612% | 5,989 |
| Assets per employee ($millions) | 4.9567% | 2,111 |
| Cash dividends to net income (ytd only)* | 57.4633% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,405 |
| Loan loss allowance to noncurrent loans | 34.6381% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 3.7884% | 1,395 |
| Noncurrent loans to loans | 4.0933% | 1,465 |
| Net loans and leases to total assets | 85.8699% | 466 |
| Net loans and leases to deposits | 115.2560% | 406 |
| Net loans and leases to core deposits | 177.0336% | 268 |
| Total domestic deposits to total assets | 74.5036% | 6,805 |
| Equity capital to assets | 11.0708% | 2,906 |
| Core capital (leverage) ratio | 11.0022% | 2,497 |
| Tier 1 risk-based capital ratio | 12.8971% | 4,251 |
| Total risk-based capital ratio | 14.1497% | 4,177 |
| Memoranda: | ||
| Average total assets | $672,462,500 | 1,046 |
| Average earning assets | $625,752,500 | 1,028 |
| Average equity | $64,829,000 | 1,054 |
| Average total loans | $580,338,500 | 861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3893% | 3,472 |
| Cost of funding earning assets | 2.2883% | 5,211 |
| Net interest margin | 4.1010% | 2,707 |
| Noninterest income to average assets | 0.9480% | 1,775 |
| Noninterest expense to average assets | 3.0010% | 4,080 |
| Loan and lease loss provision to assets | 0.3806% | 3,414 |
| Net operating income to assets | 0.8623% | 3,162 |
| Return on assets (ROA) | 0.8623% | 3,012 |
| Pretax return on assets | 1.3477% | 2,139 |
| Return on Equity (ROE) | 10.4573% | 2,101 |
| Retained earnings to average equity (ytd only) | 7.1340% | 1,109 |
| Net charge-offs to loans | 0.3062% | 3,354 |
| Credit loss provision to net charge-offs | 147.1454% | 3,589 |
| Earnings coverage of net charge-offs (x) | 6.6822% | 3,301 |
| Efficiency ratio | 63.4552% | 5,680 |
| Assets per employee ($millions) | 4.9688% | 1,971 |
| Cash dividends to net income (ytd only)* | 31.7797% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 4,388 |
| Loan loss allowance to noncurrent loans | 32.7309% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 3.3102% | 1,363 |
| Noncurrent loans to loans | 3.7258% | 1,347 |
| Net loans and leases to total assets | 84.4728% | 814 |
| Net loans and leases to deposits | 116.9737% | 478 |
| Net loans and leases to core deposits | 179.5749% | 292 |
| Total domestic deposits to total assets | 72.2152% | 6,962 |
| Equity capital to assets | 8.2449% | 6,485 |
| Core capital (leverage) ratio | 8.4169% | 5,720 |
| Tier 1 risk-based capital ratio | 9.5718% | 7,228 |
| Total risk-based capital ratio | 10.8034% | 7,162 |
| Memoranda: | ||
| Average total assets | $656,876,800 | 1,021 |
| Average earning assets | $605,683,600 | 1,008 |
| Average equity | $54,163,200 | 1,244 |
| Average total loans | $554,922,200 | 862 |