Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3356% | 818 |
| Cost of funding earning assets | 1.8825% | 2,199 |
| Net interest margin | 4.4532% | 761 |
| Noninterest income to average assets | 0.4200% | 2,225 |
| Noninterest expense to average assets | 2.3052% | 2,831 |
| Loan and lease loss provision to assets | 0.1800% | 796 |
| Net operating income to assets | 1.7504% | 753 |
| Return on assets (ROA) | 1.7490% | 749 |
| Pretax return on assets | 2.1817% | 542 |
| Return on Equity (ROE) | 18.3200% | 656 |
| Retained earnings to average equity (ytd only) | 18.3184% | 149 |
| Net charge-offs to loans | 0.0022% | 2,607 |
| Credit loss provision to net charge-offs | 10,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,307.6667% | 144 |
| Efficiency ratio | 49.3676% | 3,834 |
| Assets per employee ($millions) | 8.5243% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 916 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,783 |
| Net loans and leases to total assets | 80.0800% | 635 |
| Net loans and leases to deposits | 92.8224% | 945 |
| Net loans and leases to core deposits | 104.7773% | 1,185 |
| Total domestic deposits to total assets | 86.2700% | 2,055 |
| Equity capital to assets | 9.7903% | 2,436 |
| Core capital (leverage) ratio | 11.1920% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0286% | 1,828 |
| Memoranda: | ||
| Average total assets | $331,855,000 | 2,320 |
| Average earning assets | $317,032,667 | 2,284 |
| Average equity | $31,684,000 | 2,358 |
| Average total loans | $269,758,667 | 2,000 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2234% | 920 |
| Cost of funding earning assets | 1.8916% | 2,213 |
| Net interest margin | 4.3318% | 809 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.3086% | 2,826 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 1.6421% | 827 |
| Return on assets (ROA) | 1.6401% | 828 |
| Pretax return on assets | 2.0446% | 642 |
| Return on Equity (ROE) | 17.4100% | 703 |
| Retained earnings to average equity (ytd only) | 17.4088% | 256 |
| Net charge-offs to loans | 0.0135% | 1,756 |
| Credit loss provision to net charge-offs | 1,666.6667% | 232 |
| Earnings coverage of net charge-offs (x) | 202.7778% | 421 |
| Efficiency ratio | 50.8616% | 3,844 |
| Assets per employee ($millions) | 8.2961% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,014 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 79.9600% | 599 |
| Net loans and leases to deposits | 93.0803% | 828 |
| Net loans and leases to core deposits | 105.8631% | 1,036 |
| Total domestic deposits to total assets | 85.9000% | 2,335 |
| Equity capital to assets | 9.5548% | 2,527 |
| Core capital (leverage) ratio | 11.0498% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7926% | 1,940 |
| Memoranda: | ||
| Average total assets | $327,297,000 | 2,355 |
| Average earning assets | $312,756,500 | 2,312 |
| Average equity | $30,835,000 | 2,389 |
| Average total loans | $266,018,000 | 2,026 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0201% | 1,257 |
| Cost of funding earning assets | 1.8582% | 2,572 |
| Net interest margin | 4.1619% | 975 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.3007% | 2,866 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 1.5277% | 866 |
| Return on assets (ROA) | 1.4212% | 1,029 |
| Pretax return on assets | 1.7629% | 886 |
| Return on Equity (ROE) | 16.0100% | 790 |
| Retained earnings to average equity (ytd only) | 14.7588% | 139 |
| Net charge-offs to loans | 0.0111% | 2,504 |
| Credit loss provision to net charge-offs | 1,996.2963% | 239 |
| Earnings coverage of net charge-offs (x) | 240.2963% | 448 |
| Efficiency ratio | 52.6872% | 3,827 |
| Assets per employee ($millions) | 7.6845% | 1,722 |
| Cash dividends to net income (ytd only)* | 7.8423% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,055 |
| Loan loss allowance to noncurrent loans | 7,101.8182% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,609 |
| Noncurrent loans to loans | 0.0209% | 3,598 |
| Net loans and leases to total assets | 80.1700% | 637 |
| Net loans and leases to deposits | 93.2355% | 923 |
| Net loans and leases to core deposits | 105.8079% | 1,136 |
| Total domestic deposits to total assets | 85.9900% | 2,216 |
| Equity capital to assets | 9.2837% | 2,609 |
| Core capital (leverage) ratio | 10.7940% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6593% | 1,985 |
| Memoranda: | ||
| Average total assets | $314,031,800 | 2,396 |
| Average earning assets | $299,429,400 | 2,354 |
| Average equity | $27,868,200 | 2,475 |
| Average total loans | $243,223,200 | 2,120 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9102% | 1,379 |
| Cost of funding earning assets | 1.8070% | 2,693 |
| Net interest margin | 4.1031% | 1,011 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.3207% | 2,732 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.4864% | 954 |
| Return on assets (ROA) | 1.4767% | 965 |
| Pretax return on assets | 1.8324% | 827 |
| Return on Equity (ROE) | 16.8400% | 706 |
| Retained earnings to average equity (ytd only) | 16.1101% | 201 |
| Net charge-offs to loans | 0.0123% | 2,191 |
| Credit loss provision to net charge-offs | 1,454.5455% | 312 |
| Earnings coverage of net charge-offs (x) | 210.6364% | 506 |
| Efficiency ratio | 53.9455% | 3,723 |
| Assets per employee ($millions) | 7.6404% | 1,726 |
| Cash dividends to net income (ytd only)* | 4.3428% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,149 |
| Loan loss allowance to noncurrent loans | 6,592.8571% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,647 |
| Noncurrent loans to loans | 0.0222% | 3,653 |
| Net loans and leases to total assets | 77.4200% | 942 |
| Net loans and leases to deposits | 88.8534% | 1,349 |
| Net loans and leases to core deposits | 99.8822% | 1,484 |
| Total domestic deposits to total assets | 87.1400% | 1,549 |
| Equity capital to assets | 9.3862% | 2,755 |
| Core capital (leverage) ratio | 10.7420% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7677% | 1,995 |
| Memoranda: | ||
| Average total assets | $311,852,250 | 2,399 |
| Average earning assets | $297,131,000 | 2,359 |
| Average equity | $27,344,500 | 2,499 |
| Average total loans | $238,364,750 | 2,132 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7578% | 1,512 |
| Cost of funding earning assets | 1.7712% | 2,693 |
| Net interest margin | 3.9866% | 1,128 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.3935% | 2,541 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3955% | 1,085 |
| Return on assets (ROA) | 1.3787% | 1,125 |
| Pretax return on assets | 1.7077% | 966 |
| Return on Equity (ROE) | 16.1200% | 819 |
| Retained earnings to average equity (ytd only) | 15.5492% | 259 |
| Net charge-offs to loans | 0.0111% | 2,001 |
| Credit loss provision to net charge-offs | 692.3077% | 512 |
| Earnings coverage of net charge-offs (x) | 212.2308% | 474 |
| Efficiency ratio | 57.2579% | 3,467 |
| Assets per employee ($millions) | 8.1595% | 1,367 |
| Cash dividends to net income (ytd only)* | 3.5228% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,299 |
| Loan loss allowance to noncurrent loans | 6,089.4737% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,617 |
| Noncurrent loans to loans | 0.0234% | 3,601 |
| Net loans and leases to total assets | 71.9200% | 1,659 |
| Net loans and leases to deposits | 85.6308% | 1,697 |
| Net loans and leases to core deposits | 93.5881% | 1,894 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 8.2065% | 3,296 |
| Core capital (leverage) ratio | 10.7694% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4258% | 2,099 |
| Memoranda: | ||
| Average total assets | $308,837,333 | 2,404 |
| Average earning assets | $294,036,333 | 2,355 |
| Average equity | $26,419,333 | 2,521 |
| Average total loans | $233,772,333 | 2,148 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7683% | 1,366 |
| Cost of funding earning assets | 1.8090% | 2,484 |
| Net interest margin | 3.9593% | 1,133 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.4501% | 2,383 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.2979% | 1,236 |
| Return on assets (ROA) | 1.2717% | 1,299 |
| Pretax return on assets | 1.5676% | 1,143 |
| Return on Equity (ROE) | 14.5300% | 1,053 |
| Retained earnings to average equity (ytd only) | 14.5317% | 461 |
| Net charge-offs to loans | 0.0087% | 1,767 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 251.8000% | 350 |
| Efficiency ratio | 59.0169% | 3,355 |
| Assets per employee ($millions) | 7.7039% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,123 |
| Loan loss allowance to noncurrent loans | 5,972.4138% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,623 |
| Noncurrent loans to loans | 0.0248% | 3,604 |
| Net loans and leases to total assets | 76.6200% | 996 |
| Net loans and leases to deposits | 91.9608% | 1,044 |
| Net loans and leases to core deposits | 101.0296% | 1,356 |
| Total domestic deposits to total assets | 83.3200% | 2,904 |
| Equity capital to assets | 8.7364% | 2,856 |
| Core capital (leverage) ratio | 10.7388% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9698% | 1,894 |
| Memoranda: | ||
| Average total assets | $295,987,000 | 2,486 |
| Average earning assets | $281,263,500 | 2,442 |
| Average equity | $25,902,000 | 2,555 |
| Average total loans | $228,622,500 | 2,179 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 1,416 |
| Cost of funding earning assets | 1.1469% | 2,946 |
| Net interest margin | 4.1913% | 945 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4007% | 2,590 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5067% | 1,005 |
| Return on assets (ROA) | 1.4008% | 1,189 |
| Pretax return on assets | 1.7280% | 1,009 |
| Return on Equity (ROE) | 17.2400% | 922 |
| Retained earnings to average equity (ytd only) | 16.1483% | 258 |
| Net charge-offs to loans | 0.0087% | 2,337 |
| Credit loss provision to net charge-offs | 2,083.3333% | 216 |
| Earnings coverage of net charge-offs (x) | 312.1667% | 420 |
| Efficiency ratio | 54.6562% | 3,631 |
| Assets per employee ($millions) | 7.1102% | 2,002 |
| Cash dividends to net income (ytd only)* | 6.3259% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 998 |
| Loan loss allowance to noncurrent loans | 1,488.5965% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,022 |
| Noncurrent loans to loans | 0.1020% | 3,032 |
| Net loans and leases to total assets | 75.5300% | 1,173 |
| Net loans and leases to deposits | 88.8269% | 1,356 |
| Net loans and leases to core deposits | 99.2893% | 1,468 |
| Total domestic deposits to total assets | 85.0300% | 2,302 |
| Equity capital to assets | 8.7661% | 2,848 |
| Core capital (leverage) ratio | 10.6154% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1347% | 1,824 |
| Memoranda: | ||
| Average total assets | $282,123,800 | 2,513 |
| Average earning assets | $267,674,000 | 2,474 |
| Average equity | $22,925,000 | 2,634 |
| Average total loans | $207,242,200 | 2,241 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 1,436 |
| Cost of funding earning assets | 0.9952% | 3,055 |
| Net interest margin | 4.2165% | 898 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.3914% | 2,538 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.5397% | 1,045 |
| Return on assets (ROA) | 1.5250% | 1,062 |
| Pretax return on assets | 1.8838% | 884 |
| Return on Equity (ROE) | 19.1600% | 804 |
| Retained earnings to average equity (ytd only) | 18.5617% | 315 |
| Net charge-offs to loans | 0.0072% | 2,169 |
| Credit loss provision to net charge-offs | 2,454.5455% | 196 |
| Earnings coverage of net charge-offs (x) | 387.3636% | 371 |
| Efficiency ratio | 54.0791% | 3,581 |
| Assets per employee ($millions) | 6.9094% | 2,029 |
| Cash dividends to net income (ytd only)* | 3.1250% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,008 |
| Loan loss allowance to noncurrent loans | 5,493.3333% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,612 |
| Noncurrent loans to loans | 0.0281% | 3,568 |
| Net loans and leases to total assets | 74.2900% | 1,309 |
| Net loans and leases to deposits | 86.7322% | 1,488 |
| Net loans and leases to core deposits | 90.5565% | 1,896 |
| Total domestic deposits to total assets | 85.6600% | 2,292 |
| Equity capital to assets | 7.9668% | 3,072 |
| Core capital (leverage) ratio | 10.7895% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3128% | 1,786 |
| Memoranda: | ||
| Average total assets | $279,774,750 | 2,529 |
| Average earning assets | $265,397,750 | 2,489 |
| Average equity | $22,267,500 | 2,666 |
| Average total loans | $203,160,000 | 2,267 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 1,405 |
| Cost of funding earning assets | 0.8730% | 3,016 |
| Net interest margin | 4.2067% | 922 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3388% | 2,683 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.5653% | 995 |
| Return on assets (ROA) | 1.5391% | 1,029 |
| Pretax return on assets | 1.9016% | 862 |
| Return on Equity (ROE) | 19.3400% | 787 |
| Retained earnings to average equity (ytd only) | 19.3441% | 270 |
| Net charge-offs to loans | 0.0090% | 1,867 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 319.3333% | 430 |
| Efficiency ratio | 53.1311% | 3,685 |
| Assets per employee ($millions) | 6.9406% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,008 |
| Loan loss allowance to noncurrent loans | 5,259.0164% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,596 |
| Noncurrent loans to loans | 0.0297% | 3,536 |
| Net loans and leases to total assets | 72.8300% | 1,428 |
| Net loans and leases to deposits | 85.4275% | 1,550 |
| Net loans and leases to core deposits | 90.9807% | 1,737 |
| Total domestic deposits to total assets | 85.2600% | 2,472 |
| Equity capital to assets | 8.2800% | 3,034 |
| Core capital (leverage) ratio | 10.5391% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3665% | 1,770 |
| Memoranda: | ||
| Average total assets | $278,604,000 | 2,536 |
| Average earning assets | $264,147,000 | 2,505 |
| Average equity | $22,167,000 | 2,679 |
| Average total loans | $199,625,667 | 2,287 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 1,361 |
| Cost of funding earning assets | 0.6496% | 3,223 |
| Net interest margin | 4.2815% | 832 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.2845% | 2,861 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.6396% | 923 |
| Return on assets (ROA) | 1.6152% | 953 |
| Pretax return on assets | 1.9965% | 785 |
| Return on Equity (ROE) | 20.7200% | 683 |
| Retained earnings to average equity (ytd only) | 20.7198% | 336 |
| Net charge-offs to loans | -0.0041% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.4526% | 3,824 |
| Assets per employee ($millions) | 7.5490% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,066 |
| Loan loss allowance to noncurrent loans | 4,966.6667% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,591 |
| Noncurrent loans to loans | 0.0317% | 3,532 |
| Net loans and leases to total assets | 68.2500% | 1,807 |
| Net loans and leases to deposits | 79.5553% | 1,849 |
| Net loans and leases to core deposits | 83.0529% | 2,056 |
| Total domestic deposits to total assets | 85.7900% | 2,654 |
| Equity capital to assets | 7.9198% | 3,299 |
| Core capital (leverage) ratio | 10.1723% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3174% | 1,861 |
| Memoranda: | ||
| Average total assets | $279,095,000 | 2,560 |
| Average earning assets | $264,765,500 | 2,537 |
| Average equity | $21,757,000 | 2,740 |
| Average total loans | $196,734,000 | 2,331 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 853 |
| Cost of funding earning assets | 0.3129% | 2,773 |
| Net interest margin | 4.1032% | 652 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.4763% | 2,194 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.3878% | 1,163 |
| Return on assets (ROA) | 1.2809% | 1,453 |
| Pretax return on assets | 1.5700% | 1,244 |
| Return on Equity (ROE) | 16.1600% | 1,027 |
| Retained earnings to average equity (ytd only) | 15.2248% | 279 |
| Net charge-offs to loans | 0.0100% | 1,999 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 266.7222% | 532 |
| Efficiency ratio | 58.1247% | 3,320 |
| Assets per employee ($millions) | 6.9571% | 2,005 |
| Cash dividends to net income (ytd only)* | 5.8021% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,044 |
| Loan loss allowance to noncurrent loans | 4,745.3125% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,599 |
| Noncurrent loans to loans | 0.0329% | 3,546 |
| Net loans and leases to total assets | 70.5800% | 1,573 |
| Net loans and leases to deposits | 80.6993% | 1,722 |
| Net loans and leases to core deposits | 82.7775% | 1,947 |
| Total domestic deposits to total assets | 87.4700% | 2,242 |
| Equity capital to assets | 7.6642% | 3,278 |
| Core capital (leverage) ratio | 9.8432% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3484% | 1,832 |
| Memoranda: | ||
| Average total assets | $269,116,000 | 2,616 |
| Average earning assets | $253,755,000 | 2,591 |
| Average equity | $21,327,000 | 2,828 |
| Average total loans | $180,269,000 | 2,369 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 781 |
| Cost of funding earning assets | 0.2958% | 2,218 |
| Net interest margin | 3.9732% | 678 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4684% | 2,100 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2954% | 1,365 |
| Return on assets (ROA) | 1.2918% | 1,347 |
| Pretax return on assets | 1.5847% | 1,158 |
| Return on Equity (ROE) | 16.1700% | 947 |
| Retained earnings to average equity (ytd only) | 14.9235% | 371 |
| Net charge-offs to loans | 0.1343% | 483 |
| Credit loss provision to net charge-offs | 84.2697% | 1,404 |
| Earnings coverage of net charge-offs (x) | 18.8258% | 1,742 |
| Efficiency ratio | 59.7381% | 3,145 |
| Assets per employee ($millions) | 7.3517% | 1,707 |
| Cash dividends to net income (ytd only)* | 7.6864% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,286 |
| Loan loss allowance to noncurrent loans | 4,310.7692% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,712 |
| Noncurrent loans to loans | 0.0348% | 3,644 |
| Net loans and leases to total assets | 65.8000% | 1,910 |
| Net loans and leases to deposits | 74.3614% | 2,018 |
| Net loans and leases to core deposits | 75.8333% | 2,206 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 6.8345% | 3,597 |
| Core capital (leverage) ratio | 9.5045% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3512% | 1,921 |
| Memoranda: | ||
| Average total assets | $268,563,250 | 2,635 |
| Average earning assets | $252,888,000 | 2,619 |
| Average equity | $21,460,000 | 2,858 |
| Average total loans | $176,698,500 | 2,401 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 854 |
| Cost of funding earning assets | 0.2810% | 1,892 |
| Net interest margin | 3.7707% | 799 |
| Noninterest income to average assets | 0.3918% | 2,806 |
| Noninterest expense to average assets | 2.5120% | 1,896 |
| Loan and lease loss provision to assets | 0.0566% | 1,567 |
| Net operating income to assets | 1.1200% | 1,704 |
| Return on assets (ROA) | 1.1126% | 1,706 |
| Pretax return on assets | 1.3587% | 1,557 |
| Return on Equity (ROE) | 13.2500% | 1,307 |
| Retained earnings to average equity (ytd only) | 13.2500% | 440 |
| Net charge-offs to loans | 0.0081% | 1,696 |
| Credit loss provision to net charge-offs | 1,071.4286% | 383 |
| Earnings coverage of net charge-offs (x) | 269.5714% | 436 |
| Efficiency ratio | 63.8159% | 2,792 |
| Assets per employee ($millions) | 6.8695% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,121 |
| Loan loss allowance to noncurrent loans | 184.5860% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 956 |
| Noncurrent loans to loans | 0.8733% | 974 |
| Net loans and leases to total assets | 66.0191% | 1,688 |
| Net loans and leases to deposits | 75.3701% | 1,733 |
| Net loans and leases to core deposits | 76.9406% | 1,925 |
| Total domestic deposits to total assets | 87.5932% | 2,734 |
| Equity capital to assets | 7.6089% | 3,402 |
| Core capital (leverage) ratio | 9.5814% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5149% | 1,859 |
| Memoranda: | ||
| Average total assets | $264,963,000 | 2,680 |
| Average earning assets | $249,078,333 | 2,679 |
| Average equity | $22,249,000 | 2,871 |
| Average total loans | $173,390,667 | 2,439 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 779 |
| Cost of funding earning assets | 0.2804% | 1,815 |
| Net interest margin | 3.7164% | 728 |
| Noninterest income to average assets | 0.3643% | 2,905 |
| Noninterest expense to average assets | 2.5200% | 1,834 |
| Loan and lease loss provision to assets | 0.1139% | 734 |
| Net operating income to assets | 1.0120% | 1,825 |
| Return on assets (ROA) | 1.0095% | 1,835 |
| Pretax return on assets | 1.2281% | 1,706 |
| Return on Equity (ROE) | 11.4749% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.4749% | 688 |
| Net charge-offs to loans | -0.0047% | 3,325 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2003% | 2,878 |
| Assets per employee ($millions) | 6.7289% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 1,022 |
| Loan loss allowance to noncurrent loans | 181.4607% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 978 |
| Noncurrent loans to loans | 0.9472% | 964 |
| Net loans and leases to total assets | 63.3399% | 1,703 |
| Net loans and leases to deposits | 73.0099% | 1,691 |
| Net loans and leases to core deposits | 74.5677% | 1,892 |
| Total domestic deposits to total assets | 86.7552% | 3,015 |
| Equity capital to assets | 8.4058% | 3,236 |
| Core capital (leverage) ratio | 9.4009% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7790% | 1,881 |
| Memoranda: | ||
| Average total assets | $263,490,000 | 2,700 |
| Average earning assets | $248,198,000 | 2,691 |
| Average equity | $23,181,000 | 2,894 |
| Average total loans | $170,201,500 | 2,456 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 854 |
| Cost of funding earning assets | 0.3427% | 2,004 |
| Net interest margin | 3.9562% | 781 |
| Noninterest income to average assets | 0.3369% | 3,400 |
| Noninterest expense to average assets | 2.2577% | 2,923 |
| Loan and lease loss provision to assets | 0.1979% | 552 |
| Net operating income to assets | 1.3244% | 1,534 |
| Return on assets (ROA) | 1.3322% | 1,545 |
| Pretax return on assets | 1.6338% | 1,325 |
| Return on Equity (ROE) | 14.6266% | 1,041 |
| Retained earnings to average equity (ytd only) | 14.6266% | 258 |
| Net charge-offs to loans | 0.0219% | 1,825 |
| Credit loss provision to net charge-offs | 1,351.3514% | 422 |
| Earnings coverage of net charge-offs (x) | 124.4054% | 760 |
| Efficiency ratio | 55.3367% | 3,779 |
| Assets per employee ($millions) | 7.3487% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 1,152 |
| Loan loss allowance to noncurrent loans | 173.4069% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 1,062 |
| Noncurrent loans to loans | 0.9529% | 1,057 |
| Net loans and leases to total assets | 63.6716% | 1,742 |
| Net loans and leases to deposits | 75.3706% | 1,611 |
| Net loans and leases to core deposits | 77.0224% | 1,839 |
| Total domestic deposits to total assets | 84.4780% | 3,430 |
| Equity capital to assets | 9.1864% | 3,436 |
| Core capital (leverage) ratio | 8.9371% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4463% | 2,068 |
| Memoranda: | ||
| Average total assets | $252,598,200 | 2,707 |
| Average earning assets | $238,989,800 | 2,684 |
| Average equity | $23,006,000 | 2,987 |
| Average total loans | $168,883,200 | 2,475 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 757 |
| Cost of funding earning assets | 0.3500% | 2,114 |
| Net interest margin | 4.0895% | 668 |
| Noninterest income to average assets | 0.3760% | 3,227 |
| Noninterest expense to average assets | 2.2418% | 2,921 |
| Loan and lease loss provision to assets | 0.1202% | 984 |
| Net operating income to assets | 1.5304% | 1,192 |
| Return on assets (ROA) | 1.5373% | 1,224 |
| Pretax return on assets | 1.8925% | 966 |
| Return on Equity (ROE) | 16.9177% | 772 |
| Retained earnings to average equity (ytd only) | 16.9177% | 244 |
| Net charge-offs to loans | 0.0254% | 1,535 |
| Credit loss provision to net charge-offs | 703.1250% | 638 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 788 |
| Efficiency ratio | 52.7991% | 3,943 |
| Assets per employee ($millions) | 8.7338% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,433 |
| Loan loss allowance to noncurrent loans | 154.0313% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 1,194 |
| Noncurrent loans to loans | 1.0134% | 1,134 |
| Net loans and leases to total assets | 61.6158% | 2,057 |
| Net loans and leases to deposits | 73.0170% | 1,958 |
| Net loans and leases to core deposits | 74.7811% | 2,163 |
| Total domestic deposits to total assets | 84.3856% | 3,342 |
| Equity capital to assets | 9.2308% | 3,622 |
| Core capital (leverage) ratio | 8.9728% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2228% | 1,887 |
| Memoranda: | ||
| Average total assets | $249,609,500 | 2,746 |
| Average earning assets | $236,207,250 | 2,726 |
| Average equity | $22,681,750 | 3,043 |
| Average total loans | $168,285,250 | 2,520 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 1,182 |
| Cost of funding earning assets | 0.3573% | 2,254 |
| Net interest margin | 3.8473% | 1,073 |
| Noninterest income to average assets | 0.4180% | 3,019 |
| Noninterest expense to average assets | 2.2870% | 2,807 |
| Loan and lease loss provision to assets | 0.1222% | 1,030 |
| Net operating income to assets | 1.3404% | 1,746 |
| Return on assets (ROA) | 1.3549% | 1,773 |
| Pretax return on assets | 1.6670% | 1,569 |
| Return on Equity (ROE) | 14.9953% | 1,159 |
| Retained earnings to average equity (ytd only) | 14.9953% | 430 |
| Net charge-offs to loans | 0.0012% | 2,195 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,174.0000% | 48 |
| Efficiency ratio | 56.3541% | 3,497 |
| Assets per employee ($millions) | 8.5199% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,801 |
| Loan loss allowance to noncurrent loans | 150.0298% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 1,270 |
| Noncurrent loans to loans | 0.9613% | 1,283 |
| Net loans and leases to total assets | 67.2680% | 1,546 |
| Net loans and leases to deposits | 79.6121% | 1,465 |
| Net loans and leases to core deposits | 81.7640% | 1,742 |
| Total domestic deposits to total assets | 84.4947% | 3,285 |
| Equity capital to assets | 9.0017% | 3,794 |
| Core capital (leverage) ratio | 8.6655% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7191% | 2,471 |
| Memoranda: | ||
| Average total assets | $245,474,667 | 2,769 |
| Average earning assets | $232,269,333 | 2,745 |
| Average equity | $22,180,333 | 3,071 |
| Average total loans | $169,713,000 | 2,513 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 1,399 |
| Cost of funding earning assets | 0.3678% | 2,374 |
| Net interest margin | 3.7272% | 1,275 |
| Noninterest income to average assets | 0.3927% | 3,123 |
| Noninterest expense to average assets | 2.2744% | 2,867 |
| Loan and lease loss provision to assets | 0.1248% | 1,099 |
| Net operating income to assets | 1.2322% | 2,038 |
| Return on assets (ROA) | 1.2578% | 2,029 |
| Pretax return on assets | 1.5490% | 1,859 |
| Return on Equity (ROE) | 13.8929% | 1,454 |
| Retained earnings to average equity (ytd only) | 13.8929% | 767 |
| Net charge-offs to loans | 0.0024% | 1,837 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 987.0000% | 98 |
| Efficiency ratio | 58.0714% | 3,290 |
| Assets per employee ($millions) | 8.5147% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,984 |
| Loan loss allowance to noncurrent loans | 143.8421% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 1,422 |
| Noncurrent loans to loans | 0.9692% | 1,396 |
| Net loans and leases to total assets | 67.5887% | 1,588 |
| Net loans and leases to deposits | 80.2941% | 1,494 |
| Net loans and leases to core deposits | 82.1337% | 1,831 |
| Total domestic deposits to total assets | 84.1764% | 3,380 |
| Equity capital to assets | 8.5867% | 4,055 |
| Core capital (leverage) ratio | 8.8890% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6280% | 2,783 |
| Memoranda: | ||
| Average total assets | $240,413,500 | 2,796 |
| Average earning assets | $227,300,000 | 2,768 |
| Average equity | $21,766,500 | 3,099 |
| Average total loans | $167,344,000 | 2,533 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 936 |
| Cost of funding earning assets | 0.4577% | 3,236 |
| Net interest margin | 4.2191% | 609 |
| Noninterest income to average assets | 0.4461% | 2,881 |
| Noninterest expense to average assets | 2.5471% | 2,702 |
| Loan and lease loss provision to assets | 0.3066% | 1,224 |
| Net operating income to assets | 1.3212% | 1,197 |
| Return on assets (ROA) | 1.3271% | 1,282 |
| Pretax return on assets | 1.6178% | 1,038 |
| Return on Equity (ROE) | 13.7222% | 879 |
| Retained earnings to average equity (ytd only) | 13.2230% | 227 |
| Net charge-offs to loans | 0.0168% | 2,757 |
| Credit loss provision to net charge-offs | 2,442.3077% | 380 |
| Earnings coverage of net charge-offs (x) | 152.7308% | 563 |
| Efficiency ratio | 57.0563% | 3,852 |
| Assets per employee ($millions) | 7.0433% | 1,555 |
| Cash dividends to net income (ytd only)* | 3.6377% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,645 |
| Loan loss allowance to noncurrent loans | 137.7765% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7623% | 1,347 |
| Noncurrent loans to loans | 1.0765% | 1,322 |
| Net loans and leases to total assets | 69.7606% | 1,593 |
| Net loans and leases to deposits | 84.0097% | 1,454 |
| Net loans and leases to core deposits | 86.5270% | 1,823 |
| Total domestic deposits to total assets | 83.0388% | 3,401 |
| Equity capital to assets | 9.5832% | 3,530 |
| Core capital (leverage) ratio | 9.0839% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6249% | 2,393 |
| Memoranda: | ||
| Average total assets | $207,137,400 | 2,886 |
| Average earning assets | $197,271,200 | 2,851 |
| Average equity | $20,033,200 | 3,184 |
| Average total loans | $154,887,600 | 2,618 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 1,438 |
| Cost of funding earning assets | 0.4743% | 3,399 |
| Net interest margin | 4.0818% | 928 |
| Noninterest income to average assets | 0.4607% | 2,785 |
| Noninterest expense to average assets | 2.5906% | 2,559 |
| Loan and lease loss provision to assets | 0.0889% | 3,204 |
| Net operating income to assets | 1.3715% | 1,174 |
| Return on assets (ROA) | 1.3769% | 1,252 |
| Pretax return on assets | 1.6790% | 1,008 |
| Return on Equity (ROE) | 14.2007% | 840 |
| Retained earnings to average equity (ytd only) | 14.2007% | 245 |
| Net charge-offs to loans | 0.0173% | 2,518 |
| Credit loss provision to net charge-offs | 675.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 133.8000% | 653 |
| Efficiency ratio | 59.5281% | 3,451 |
| Assets per employee ($millions) | 6.9526% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,320 |
| Loan loss allowance to noncurrent loans | 2,531.0811% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 4,290 |
| Noncurrent loans to loans | 0.0426% | 4,217 |
| Net loans and leases to total assets | 77.2732% | 927 |
| Net loans and leases to deposits | 92.9976% | 1,005 |
| Net loans and leases to core deposits | 96.7587% | 1,397 |
| Total domestic deposits to total assets | 83.0917% | 3,125 |
| Equity capital to assets | 9.4542% | 3,719 |
| Core capital (leverage) ratio | 8.9530% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5077% | 2,789 |
| Memoranda: | ||
| Average total assets | $202,575,500 | 2,899 |
| Average earning assets | $193,112,500 | 2,870 |
| Average equity | $19,641,750 | 3,223 |
| Average total loans | $153,710,250 | 2,634 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,842 |
| Cost of funding earning assets | 0.4896% | 3,594 |
| Net interest margin | 4.0357% | 1,248 |
| Noninterest income to average assets | 0.4685% | 2,720 |
| Noninterest expense to average assets | 2.6529% | 2,513 |
| Loan and lease loss provision to assets | 0.0919% | 3,121 |
| Net operating income to assets | 1.2962% | 1,366 |
| Return on assets (ROA) | 1.3004% | 1,469 |
| Pretax return on assets | 1.5821% | 1,268 |
| Return on Equity (ROE) | 13.2863% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.2863% | 331 |
| Net charge-offs to loans | 0.0231% | 2,255 |
| Credit loss provision to net charge-offs | 529.4118% | 1,182 |
| Earnings coverage of net charge-offs (x) | 96.1765% | 713 |
| Efficiency ratio | 61.3840% | 3,217 |
| Assets per employee ($millions) | 6.6985% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,964 |
| Loan loss allowance to noncurrent loans | 2,441.3333% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 4,380 |
| Noncurrent loans to loans | 0.0457% | 4,300 |
| Net loans and leases to total assets | 73.4158% | 1,494 |
| Net loans and leases to deposits | 87.9819% | 1,561 |
| Net loans and leases to core deposits | 92.0547% | 1,897 |
| Total domestic deposits to total assets | 83.4442% | 2,943 |
| Equity capital to assets | 9.1069% | 3,991 |
| Core capital (leverage) ratio | 8.7513% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0543% | 1,788 |
| Memoranda: | ||
| Average total assets | $195,940,000 | 2,937 |
| Average earning assets | $187,081,000 | 2,896 |
| Average equity | $19,177,667 | 3,254 |
| Average total loans | $147,016,333 | 2,681 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 1,457 |
| Cost of funding earning assets | 0.5053% | 3,918 |
| Net interest margin | 4.2823% | 788 |
| Noninterest income to average assets | 0.4537% | 2,772 |
| Noninterest expense to average assets | 2.8530% | 2,266 |
| Loan and lease loss provision to assets | 0.0982% | 2,456 |
| Net operating income to assets | 1.2895% | 1,269 |
| Return on assets (ROA) | 1.2913% | 1,361 |
| Pretax return on assets | 1.5901% | 1,080 |
| Return on Equity (ROE) | 12.6624% | 946 |
| Retained earnings to average equity (ytd only) | 12.6624% | 356 |
| Net charge-offs to loans | 0.0347% | 1,718 |
| Credit loss provision to net charge-offs | 375.0000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 64.4167% | 769 |
| Efficiency ratio | 62.8544% | 3,388 |
| Assets per employee ($millions) | 5.6207% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,282 |
| Loan loss allowance to noncurrent loans | 2,325.9740% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,403 |
| Noncurrent loans to loans | 0.0546% | 4,333 |
| Net loans and leases to total assets | 75.0253% | 1,456 |
| Net loans and leases to deposits | 89.8856% | 1,526 |
| Net loans and leases to core deposits | 94.2378% | 1,949 |
| Total domestic deposits to total assets | 83.4676% | 2,956 |
| Equity capital to assets | 10.3276% | 3,493 |
| Core capital (leverage) ratio | 10.1477% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8816% | 1,944 |
| Memoranda: | ||
| Average total assets | $183,384,000 | 3,018 |
| Average earning assets | $174,952,500 | 2,967 |
| Average equity | $18,701,000 | 3,303 |
| Average total loans | $138,465,500 | 2,736 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 1,686 |
| Cost of funding earning assets | 0.5300% | 3,969 |
| Net interest margin | 4.3936% | 900 |
| Noninterest income to average assets | 0.5797% | 2,317 |
| Noninterest expense to average assets | 2.9412% | 2,165 |
| Loan and lease loss provision to assets | 0.1574% | 1,337 |
| Net operating income to assets | 1.3440% | 1,526 |
| Return on assets (ROA) | 1.3564% | 1,564 |
| Pretax return on assets | 1.6747% | 1,256 |
| Return on Equity (ROE) | 13.6221% | 980 |
| Retained earnings to average equity (ytd only) | 13.6221% | 139 |
| Net charge-offs to loans | 0.1241% | 1,521 |
| Credit loss provision to net charge-offs | 169.4268% | 1,532 |
| Earnings coverage of net charge-offs (x) | 19.5605% | 1,992 |
| Efficiency ratio | 61.8177% | 3,412 |
| Assets per employee ($millions) | 5.8479% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 1,959 |
| Loan loss allowance to noncurrent loans | 551.0972% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 3,775 |
| Noncurrent loans to loans | 0.2346% | 3,608 |
| Net loans and leases to total assets | 74.0396% | 1,745 |
| Net loans and leases to deposits | 88.7166% | 1,742 |
| Net loans and leases to core deposits | 91.5098% | 2,276 |
| Total domestic deposits to total assets | 83.4563% | 3,047 |
| Equity capital to assets | 10.0649% | 3,860 |
| Core capital (leverage) ratio | 9.9870% | 3,533 |
| Tier 1 risk-based capital ratio | 13.6905% | 3,420 |
| Total risk-based capital ratio | 14.9467% | 3,316 |
| Memoranda: | ||
| Average total assets | $169,044,200 | 3,119 |
| Average earning assets | $160,757,800 | 3,076 |
| Average equity | $16,833,000 | 3,454 |
| Average total loans | $126,485,800 | 2,860 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 1,840 |
| Cost of funding earning assets | 0.5173% | 4,076 |
| Net interest margin | 4.3761% | 996 |
| Noninterest income to average assets | 0.6097% | 2,157 |
| Noninterest expense to average assets | 2.9914% | 2,003 |
| Loan and lease loss provision to assets | 0.1735% | 1,063 |
| Net operating income to assets | 1.2932% | 1,887 |
| Return on assets (ROA) | 1.3101% | 1,896 |
| Pretax return on assets | 1.6242% | 1,549 |
| Return on Equity (ROE) | 13.1956% | 1,206 |
| Retained earnings to average equity (ytd only) | 13.1956% | 264 |
| Net charge-offs to loans | 0.1751% | 966 |
| Credit loss provision to net charge-offs | 132.5153% | 1,797 |
| Earnings coverage of net charge-offs (x) | 13.5704% | 2,284 |
| Efficiency ratio | 62.7358% | 3,210 |
| Assets per employee ($millions) | 6.1347% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,166 |
| Loan loss allowance to noncurrent loans | 458.7601% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 3,734 |
| Noncurrent loans to loans | 0.2749% | 3,556 |
| Net loans and leases to total assets | 74.9032% | 1,664 |
| Net loans and leases to deposits | 92.8698% | 1,331 |
| Net loans and leases to core deposits | 96.6331% | 1,950 |
| Total domestic deposits to total assets | 80.6539% | 3,835 |
| Equity capital to assets | 9.9074% | 4,109 |
| Core capital (leverage) ratio | 9.9025% | 3,734 |
| Tier 1 risk-based capital ratio | 13.4742% | 3,581 |
| Total risk-based capital ratio | 14.7293% | 3,490 |
| Memoranda: | ||
| Average total assets | $165,984,250 | 3,177 |
| Average earning assets | $157,731,500 | 3,136 |
| Average equity | $16,479,750 | 3,516 |
| Average total loans | $124,112,250 | 2,921 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 1,801 |
| Cost of funding earning assets | 0.5061% | 4,095 |
| Net interest margin | 4.3794% | 981 |
| Noninterest income to average assets | 0.5321% | 2,488 |
| Noninterest expense to average assets | 3.0801% | 1,791 |
| Loan and lease loss provision to assets | 0.0494% | 2,833 |
| Net operating income to assets | 1.2518% | 1,952 |
| Return on assets (ROA) | 1.2518% | 2,007 |
| Pretax return on assets | 1.5579% | 1,672 |
| Return on Equity (ROE) | 12.5981% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.5981% | 341 |
| Net charge-offs to loans | 0.2357% | 713 |
| Credit loss provision to net charge-offs | 28.1690% | 2,608 |
| Earnings coverage of net charge-offs (x) | 9.1690% | 2,352 |
| Efficiency ratio | 65.7098% | 2,852 |
| Assets per employee ($millions) | 5.8048% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,302 |
| Loan loss allowance to noncurrent loans | 943.2927% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 3,862 |
| Noncurrent loans to loans | 0.1315% | 4,088 |
| Net loans and leases to total assets | 73.1647% | 2,031 |
| Net loans and leases to deposits | 86.8153% | 2,153 |
| Net loans and leases to core deposits | 90.0572% | 2,597 |
| Total domestic deposits to total assets | 84.2763% | 2,762 |
| Equity capital to assets | 10.0571% | 3,932 |
| Core capital (leverage) ratio | 10.0494% | 3,538 |
| Tier 1 risk-based capital ratio | 13.6277% | 3,517 |
| Total risk-based capital ratio | 14.8783% | 3,411 |
| Memoranda: | ||
| Average total assets | $162,010,000 | 3,238 |
| Average earning assets | $153,720,000 | 3,194 |
| Average equity | $16,097,670 | 3,561 |
| Average total loans | $120,496,330 | 2,983 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 1,833 |
| Cost of funding earning assets | 0.4772% | 4,171 |
| Net interest margin | 4.3482% | 1,011 |
| Noninterest income to average assets | 0.5062% | 2,520 |
| Noninterest expense to average assets | 3.1830% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1458% | 2,289 |
| Return on assets (ROA) | 1.1458% | 2,335 |
| Pretax return on assets | 1.4530% | 1,909 |
| Return on Equity (ROE) | 11.6060% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.6060% | 684 |
| Net charge-offs to loans | 0.0473% | 1,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.2143% | 1,135 |
| Efficiency ratio | 68.6583% | 2,545 |
| Assets per employee ($millions) | 5.5466% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,850 |
| Loan loss allowance to noncurrent loans | 397.5669% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,593 |
| Noncurrent loans to loans | 0.3407% | 3,358 |
| Net loans and leases to total assets | 73.9807% | 1,809 |
| Net loans and leases to deposits | 87.9824% | 1,876 |
| Net loans and leases to core deposits | 91.5961% | 2,339 |
| Total domestic deposits to total assets | 84.0858% | 3,026 |
| Equity capital to assets | 10.0137% | 3,811 |
| Core capital (leverage) ratio | 10.1354% | 3,448 |
| Tier 1 risk-based capital ratio | 13.8450% | 3,426 |
| Total risk-based capital ratio | 15.0969% | 3,336 |
| Memoranda: | ||
| Average total assets | $158,846,000 | 3,307 |
| Average earning assets | $150,866,500 | 3,259 |
| Average equity | $15,681,500 | 3,618 |
| Average total loans | $118,389,000 | 3,036 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6771% | 1,910 |
| Cost of funding earning assets | 0.3708% | 4,152 |
| Net interest margin | 4.3063% | 1,141 |
| Noninterest income to average assets | 0.5137% | 2,756 |
| Noninterest expense to average assets | 2.9606% | 2,163 |
| Loan and lease loss provision to assets | 0.1309% | 1,678 |
| Net operating income to assets | 1.2318% | 2,037 |
| Return on assets (ROA) | 1.2454% | 1,991 |
| Pretax return on assets | 1.5045% | 1,770 |
| Return on Equity (ROE) | 13.0900% | 1,306 |
| Retained earnings to average equity (ytd only) | 10.6825% | 490 |
| Net charge-offs to loans | 0.0759% | 2,039 |
| Credit loss provision to net charge-offs | 235.2941% | 1,258 |
| Earnings coverage of net charge-offs (x) | 29.1059% | 1,632 |
| Efficiency ratio | 64.6470% | 3,093 |
| Assets per employee ($millions) | 5.6015% | 1,863 |
| Cash dividends to net income (ytd only)* | 18.3920% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,564 |
| Loan loss allowance to noncurrent loans | 101.6030% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 1,317 |
| Noncurrent loans to loans | 1.3965% | 1,116 |
| Net loans and leases to total assets | 73.0021% | 2,100 |
| Net loans and leases to deposits | 89.4704% | 1,868 |
| Net loans and leases to core deposits | 93.1287% | 2,304 |
| Total domestic deposits to total assets | 81.5936% | 3,759 |
| Equity capital to assets | 9.7270% | 3,932 |
| Core capital (leverage) ratio | 10.0298% | 3,540 |
| Tier 1 risk-based capital ratio | 13.7988% | 3,387 |
| Total risk-based capital ratio | 15.0511% | 3,314 |
| Memoranda: | ||
| Average total assets | $152,808,400 | 3,353 |
| Average earning assets | $144,277,400 | 3,322 |
| Average equity | $14,537,800 | 3,696 |
| Average total loans | $111,953,600 | 3,105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,855 |
| Cost of funding earning assets | 0.3407% | 4,244 |
| Net interest margin | 4.3039% | 1,105 |
| Noninterest income to average assets | 0.5138% | 2,780 |
| Noninterest expense to average assets | 2.8897% | 2,330 |
| Loan and lease loss provision to assets | 0.1142% | 1,775 |
| Net operating income to assets | 1.3010% | 1,853 |
| Return on assets (ROA) | 1.3192% | 1,786 |
| Pretax return on assets | 1.5924% | 1,607 |
| Return on Equity (ROE) | 13.9475% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.0189% | 358 |
| Net charge-offs to loans | 0.0565% | 2,006 |
| Credit loss provision to net charge-offs | 276.5957% | 1,088 |
| Earnings coverage of net charge-offs (x) | 40.8053% | 1,336 |
| Efficiency ratio | 63.1720% | 3,306 |
| Assets per employee ($millions) | 5.7381% | 1,701 |
| Cash dividends to net income (ytd only)* | 6.6578% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 1,697 |
| Loan loss allowance to noncurrent loans | 792.1569% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,300 |
| Noncurrent loans to loans | 0.1768% | 4,097 |
| Net loans and leases to total assets | 73.4511% | 2,084 |
| Net loans and leases to deposits | 90.1984% | 1,867 |
| Net loans and leases to core deposits | 93.5438% | 2,342 |
| Total domestic deposits to total assets | 81.4328% | 3,754 |
| Equity capital to assets | 9.5231% | 4,057 |
| Core capital (leverage) ratio | 10.0887% | 3,535 |
| Tier 1 risk-based capital ratio | 13.6380% | 3,555 |
| Total risk-based capital ratio | 14.8906% | 3,464 |
| Memoranda: | ||
| Average total assets | $151,800,000 | 3,399 |
| Average earning assets | $143,216,250 | 3,358 |
| Average equity | $14,358,250 | 3,741 |
| Average total loans | $110,905,500 | 3,147 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 1,844 |
| Cost of funding earning assets | 0.3151% | 4,311 |
| Net interest margin | 4.2642% | 1,125 |
| Noninterest income to average assets | 0.5015% | 2,861 |
| Noninterest expense to average assets | 2.8762% | 2,423 |
| Loan and lease loss provision to assets | 0.0796% | 2,314 |
| Net operating income to assets | 1.2705% | 1,895 |
| Return on assets (ROA) | 1.2630% | 1,928 |
| Pretax return on assets | 1.5575% | 1,639 |
| Return on Equity (ROE) | 13.3836% | 1,244 |
| Retained earnings to average equity (ytd only) | 13.3836% | 328 |
| Net charge-offs to loans | 0.0110% | 2,756 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 206.8333% | 413 |
| Efficiency ratio | 63.5964% | 3,373 |
| Assets per employee ($millions) | 5.2927% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.1961% | 2,090 |
| Net loans and leases to deposits | 88.8843% | 2,000 |
| Net loans and leases to core deposits | 90.4901% | 2,529 |
| Total domestic deposits to total assets | 82.3499% | 3,613 |
| Equity capital to assets | 9.4802% | 4,125 |
| Core capital (leverage) ratio | 9.8603% | 3,724 |
| Tier 1 risk-based capital ratio | 13.3928% | 3,677 |
| Total risk-based capital ratio | 14.6464% | 3,593 |
| Memoranda: | ||
| Average total assets | $150,757,000 | 3,426 |
| Average earning assets | $142,158,670 | 3,388 |
| Average equity | $14,226,330 | 3,771 |
| Average total loans | $109,403,000 | 3,179 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,969 |
| Cost of funding earning assets | 0.2904% | 4,415 |
| Net interest margin | 4.1760% | 1,228 |
| Noninterest income to average assets | 0.4846% | 2,901 |
| Noninterest expense to average assets | 2.8543% | 2,517 |
| Loan and lease loss provision to assets | 0.0803% | 2,180 |
| Net operating income to assets | 1.2285% | 1,899 |
| Return on assets (ROA) | 1.2129% | 1,958 |
| Pretax return on assets | 1.4593% | 1,805 |
| Return on Equity (ROE) | 12.8840% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.8840% | 538 |
| Net charge-offs to loans | 0.0224% | 2,056 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 628 |
| Efficiency ratio | 64.6845% | 3,372 |
| Assets per employee ($millions) | 5.5012% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 1,817 |
| Loan loss allowance to noncurrent loans | 1,104.2553% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 4,635 |
| Noncurrent loans to loans | 0.1273% | 4,394 |
| Net loans and leases to total assets | 70.8978% | 2,346 |
| Net loans and leases to deposits | 87.1000% | 2,041 |
| Net loans and leases to core deposits | 89.3074% | 2,513 |
| Total domestic deposits to total assets | 81.3981% | 4,115 |
| Equity capital to assets | 9.1552% | 4,409 |
| Core capital (leverage) ratio | 9.7617% | 3,793 |
| Tier 1 risk-based capital ratio | 13.3389% | 3,751 |
| Total risk-based capital ratio | 14.5908% | 3,665 |
| Memoranda: | ||
| Average total assets | $149,391,000 | 3,475 |
| Average earning assets | $140,517,500 | 3,441 |
| Average equity | $14,064,000 | 3,822 |
| Average total loans | $107,137,000 | 3,244 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,071 |
| Cost of funding earning assets | 0.2292% | 4,733 |
| Net interest margin | 4.1545% | 1,289 |
| Noninterest income to average assets | 0.5083% | 2,945 |
| Noninterest expense to average assets | 2.9172% | 2,396 |
| Loan and lease loss provision to assets | 0.0360% | 3,547 |
| Net operating income to assets | 1.0068% | 2,213 |
| Return on assets (ROA) | 1.0058% | 2,255 |
| Pretax return on assets | 1.4557% | 1,799 |
| Return on Equity (ROE) | 10.2648% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.2442% | 678 |
| Net charge-offs to loans | 0.0082% | 3,791 |
| Credit loss provision to net charge-offs | 625.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 259.2500% | 325 |
| Efficiency ratio | 66.1443% | 3,241 |
| Assets per employee ($millions) | 5.3611% | 2,097 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,471 |
| Loan loss allowance to noncurrent loans | 1,036.4865% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,618 |
| Noncurrent loans to loans | 0.1430% | 4,353 |
| Net loans and leases to total assets | 70.4509% | 2,455 |
| Net loans and leases to deposits | 81.4864% | 2,766 |
| Net loans and leases to core deposits | 83.5535% | 3,095 |
| Total domestic deposits to total assets | 86.4572% | 2,250 |
| Equity capital to assets | 9.6899% | 4,041 |
| Core capital (leverage) ratio | 9.6736% | 3,845 |
| Tier 1 risk-based capital ratio | 14.2662% | 3,214 |
| Total risk-based capital ratio | 15.5202% | 3,109 |
| Memoranda: | ||
| Average total assets | $138,898,400 | 3,628 |
| Average earning assets | $130,459,400 | 3,579 |
| Average equity | $13,609,600 | 3,899 |
| Average total loans | $97,934,400 | 3,382 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 2,055 |
| Cost of funding earning assets | 0.2274% | 4,757 |
| Net interest margin | 4.1382% | 1,298 |
| Noninterest income to average assets | 0.5180% | 2,915 |
| Noninterest expense to average assets | 2.9230% | 2,329 |
| Loan and lease loss provision to assets | 0.0291% | 3,544 |
| Net operating income to assets | 1.0559% | 2,304 |
| Return on assets (ROA) | 1.0545% | 2,344 |
| Pretax return on assets | 1.4474% | 1,952 |
| Return on Equity (ROE) | 10.7312% | 1,813 |
| Retained earnings to average equity (ytd only) | 8.0163% | 1,218 |
| Net charge-offs to loans | 0.0124% | 3,295 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 169.3292% | 499 |
| Efficiency ratio | 66.4095% | 3,143 |
| Assets per employee ($millions) | 4.9905% | 2,459 |
| Cash dividends to net income (ytd only)* | 25.2991% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.1893% | 2,816 |
| Net loans and leases to deposits | 78.7889% | 3,088 |
| Net loans and leases to core deposits | 80.4525% | 3,419 |
| Total domestic deposits to total assets | 86.5469% | 2,077 |
| Equity capital to assets | 9.6445% | 4,300 |
| Core capital (leverage) ratio | 9.7204% | 3,911 |
| Tier 1 risk-based capital ratio | 14.3348% | 3,273 |
| Total risk-based capital ratio | 15.5888% | 3,179 |
| Memoranda: | ||
| Average total assets | $137,435,750 | 3,680 |
| Average earning assets | $128,973,750 | 3,634 |
| Average equity | $13,505,500 | 3,952 |
| Average total loans | $96,540,250 | 3,434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 1,918 |
| Cost of funding earning assets | 0.2226% | 4,779 |
| Net interest margin | 4.1447% | 1,214 |
| Noninterest income to average assets | 0.5259% | 2,855 |
| Noninterest expense to average assets | 2.9362% | 2,306 |
| Loan and lease loss provision to assets | 0.0444% | 3,101 |
| Net operating income to assets | 1.0696% | 2,122 |
| Return on assets (ROA) | 1.0696% | 2,170 |
| Pretax return on assets | 1.4340% | 1,881 |
| Return on Equity (ROE) | 10.8127% | 1,712 |
| Retained earnings to average equity (ytd only) | 8.5663% | 979 |
| Net charge-offs to loans | 0.0084% | 3,156 |
| Credit loss provision to net charge-offs | 750.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 340 |
| Efficiency ratio | 66.5101% | 3,261 |
| Assets per employee ($millions) | 4.9120% | 2,497 |
| Cash dividends to net income (ytd only)* | 20.7756% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,480 |
| Loan loss allowance to noncurrent loans | 2,710.7143% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 5,086 |
| Noncurrent loans to loans | 0.0564% | 4,906 |
| Net loans and leases to total assets | 71.0519% | 2,365 |
| Net loans and leases to deposits | 82.7648% | 2,623 |
| Net loans and leases to core deposits | 83.8923% | 3,082 |
| Total domestic deposits to total assets | 85.8481% | 2,448 |
| Equity capital to assets | 10.0337% | 3,877 |
| Core capital (leverage) ratio | 9.9137% | 3,641 |
| Tier 1 risk-based capital ratio | 14.6168% | 3,104 |
| Total risk-based capital ratio | 15.8716% | 3,019 |
| Memoranda: | ||
| Average total assets | $135,006,000 | 3,740 |
| Average earning assets | $126,669,000 | 3,695 |
| Average equity | $13,354,670 | 3,988 |
| Average total loans | $95,320,330 | 3,465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 1,925 |
| Cost of funding earning assets | 0.1754% | 5,194 |
| Net interest margin | 4.1365% | 1,124 |
| Noninterest income to average assets | 0.5055% | 2,946 |
| Noninterest expense to average assets | 2.8652% | 2,562 |
| Loan and lease loss provision to assets | 0.0897% | 2,045 |
| Net operating income to assets | 1.0618% | 2,022 |
| Return on assets (ROA) | 1.0618% | 2,061 |
| Pretax return on assets | 1.4296% | 1,769 |
| Return on Equity (ROE) | 10.8133% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.8133% | 643 |
| Net charge-offs to loans | 0.0171% | 2,444 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 430 |
| Efficiency ratio | 65.3479% | 3,608 |
| Assets per employee ($millions) | 4.6161% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 1,329 |
| Loan loss allowance to noncurrent loans | 2,168.5714% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,093 |
| Noncurrent loans to loans | 0.0748% | 4,904 |
| Net loans and leases to total assets | 68.7827% | 2,560 |
| Net loans and leases to deposits | 79.9969% | 2,759 |
| Net loans and leases to core deposits | 80.7723% | 3,229 |
| Total domestic deposits to total assets | 85.9817% | 2,676 |
| Equity capital to assets | 9.9792% | 3,781 |
| Core capital (leverage) ratio | 9.9700% | 3,537 |
| Tier 1 risk-based capital ratio | 15.4837% | 2,761 |
| Total risk-based capital ratio | 16.7400% | 2,692 |
| Memoranda: | ||
| Average total assets | $133,741,000 | 3,783 |
| Average earning assets | $125,419,000 | 3,745 |
| Average equity | $13,132,000 | 4,041 |
| Average total loans | $93,360,500 | 3,528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 2,065 |
| Cost of funding earning assets | 0.1491% | 5,435 |
| Net interest margin | 4.1742% | 1,178 |
| Noninterest income to average assets | 0.5125% | 3,155 |
| Noninterest expense to average assets | 2.9137% | 2,624 |
| Loan and lease loss provision to assets | 0.0865% | 2,636 |
| Net operating income to assets | 1.0676% | 2,044 |
| Return on assets (ROA) | 1.0682% | 2,151 |
| Pretax return on assets | 1.4290% | 1,823 |
| Return on Equity (ROE) | 10.6152% | 1,726 |
| Retained earnings to average equity (ytd only) | 9.2483% | 533 |
| Net charge-offs to loans | 0.0511% | 3,019 |
| Credit loss provision to net charge-offs | 239.1304% | 1,214 |
| Earnings coverage of net charge-offs (x) | 41.8913% | 1,140 |
| Efficiency ratio | 65.7969% | 3,625 |
| Assets per employee ($millions) | 4.6074% | 2,948 |
| Cash dividends to net income (ytd only)* | 12.8771% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.5804% | 2,690 |
| Net loans and leases to deposits | 79.5329% | 2,938 |
| Net loans and leases to core deposits | 81.6657% | 3,236 |
| Total domestic deposits to total assets | 86.2290% | 2,482 |
| Equity capital to assets | 9.6584% | 4,107 |
| Core capital (leverage) ratio | 9.8718% | 3,663 |
| Tier 1 risk-based capital ratio | 15.2007% | 2,884 |
| Total risk-based capital ratio | 16.4574% | 2,814 |
| Memoranda: | ||
| Average total assets | $127,226,000 | 3,877 |
| Average earning assets | $119,352,200 | 3,838 |
| Average equity | $12,802,400 | 4,123 |
| Average total loans | $89,989,000 | 3,578 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 2,038 |
| Cost of funding earning assets | 0.1494% | 5,488 |
| Net interest margin | 4.1905% | 1,140 |
| Noninterest income to average assets | 0.5158% | 3,146 |
| Noninterest expense to average assets | 2.8422% | 2,859 |
| Loan and lease loss provision to assets | 0.1167% | 1,979 |
| Net operating income to assets | 1.1104% | 1,950 |
| Return on assets (ROA) | 1.1112% | 2,049 |
| Pretax return on assets | 1.4869% | 1,750 |
| Return on Equity (ROE) | 10.9259% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.4041% | 500 |
| Net charge-offs to loans | 0.0658% | 2,399 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 34.3153% | 1,365 |
| Efficiency ratio | 63.9446% | 3,943 |
| Assets per employee ($millions) | 4.7710% | 2,653 |
| Cash dividends to net income (ytd only)* | 4.7759% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.3099% | 2,294 |
| Net loans and leases to deposits | 79.8234% | 2,990 |
| Net loans and leases to core deposits | 79.8234% | 3,462 |
| Total domestic deposits to total assets | 89.3346% | 746 |
| Equity capital to assets | 10.3448% | 3,753 |
| Core capital (leverage) ratio | 10.0806% | 3,461 |
| Tier 1 risk-based capital ratio | 15.2939% | 2,920 |
| Total risk-based capital ratio | 16.5504% | 2,846 |
| Memoranda: | ||
| Average total assets | $125,629,000 | 3,922 |
| Average earning assets | $117,788,750 | 3,891 |
| Average equity | $12,776,750 | 4,162 |
| Average total loans | $89,205,000 | 3,614 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,431 |
| Cost of funding earning assets | 0.1472% | 5,567 |
| Net interest margin | 4.0766% | 1,426 |
| Noninterest income to average assets | 0.5025% | 3,172 |
| Noninterest expense to average assets | 2.7841% | 3,076 |
| Loan and lease loss provision to assets | 0.1284% | 1,778 |
| Net operating income to assets | 1.0404% | 2,220 |
| Return on assets (ROA) | 1.0404% | 2,343 |
| Pretax return on assets | 1.4145% | 1,970 |
| Return on Equity (ROE) | 10.2909% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.2909% | 544 |
| Net charge-offs to loans | 0.0888% | 1,956 |
| Credit loss provision to net charge-offs | 205.1282% | 1,278 |
| Earnings coverage of net charge-offs (x) | 24.6410% | 1,537 |
| Efficiency ratio | 64.3414% | 3,957 |
| Assets per employee ($millions) | 4.6917% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.1705% | 2,305 |
| Net loans and leases to deposits | 81.0872% | 2,805 |
| Net loans and leases to core deposits | 81.0872% | 3,357 |
| Total domestic deposits to total assets | 87.7704% | 1,545 |
| Equity capital to assets | 10.2616% | 3,910 |
| Core capital (leverage) ratio | 9.9779% | 3,588 |
| Tier 1 risk-based capital ratio | 14.8427% | 3,143 |
| Total risk-based capital ratio | 16.0990% | 3,080 |
| Memoranda: | ||
| Average total assets | $124,566,000 | 3,966 |
| Average earning assets | $116,863,330 | 3,935 |
| Average equity | $12,593,670 | 4,216 |
| Average total loans | $87,822,330 | 3,652 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,658 |
| Cost of funding earning assets | 0.1485% | 5,621 |
| Net interest margin | 3.9998% | 1,617 |
| Noninterest income to average assets | 0.4793% | 3,268 |
| Noninterest expense to average assets | 2.7981% | 3,077 |
| Loan and lease loss provision to assets | 0.1619% | 1,280 |
| Net operating income to assets | 0.9554% | 2,487 |
| Return on assets (ROA) | 0.9554% | 2,604 |
| Pretax return on assets | 1.2695% | 2,422 |
| Return on Equity (ROE) | 9.5230% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.5230% | 974 |
| Net charge-offs to loans | 0.1210% | 1,382 |
| Credit loss provision to net charge-offs | 192.3077% | 1,110 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,592 |
| Efficiency ratio | 66.1562% | 3,776 |
| Assets per employee ($millions) | 5.0074% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,502 |
| Loan loss allowance to noncurrent loans | 370.4082% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 4,321 |
| Noncurrent loans to loans | 0.4431% | 3,851 |
| Net loans and leases to total assets | 69.5027% | 2,424 |
| Net loans and leases to deposits | 77.4559% | 3,057 |
| Net loans and leases to core deposits | 77.4559% | 3,551 |
| Total domestic deposits to total assets | 89.7320% | 714 |
| Equity capital to assets | 10.0467% | 4,020 |
| Core capital (leverage) ratio | 9.8708% | 3,698 |
| Tier 1 risk-based capital ratio | 14.6824% | 3,295 |
| Total risk-based capital ratio | 15.9374% | 3,234 |
| Memoranda: | ||
| Average total assets | $123,511,000 | 4,015 |
| Average earning assets | $115,807,000 | 3,976 |
| Average equity | $12,391,000 | 4,265 |
| Average total loans | $85,921,000 | 3,701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,497 |
| Cost of funding earning assets | 0.1612% | 5,600 |
| Net interest margin | 4.0586% | 1,533 |
| Noninterest income to average assets | 0.5548% | 2,990 |
| Noninterest expense to average assets | 2.7478% | 3,420 |
| Loan and lease loss provision to assets | 0.2572% | 734 |
| Net operating income to assets | 1.0109% | 2,303 |
| Return on assets (ROA) | 1.0185% | 2,346 |
| Pretax return on assets | 1.3608% | 2,067 |
| Return on Equity (ROE) | 10.2390% | 1,907 |
| Retained earnings to average equity (ytd only) | 8.2472% | 838 |
| Net charge-offs to loans | 0.1086% | 2,299 |
| Credit loss provision to net charge-offs | 346.5909% | 860 |
| Earnings coverage of net charge-offs (x) | 21.6705% | 1,803 |
| Efficiency ratio | 63.0856% | 4,428 |
| Assets per employee ($millions) | 4.8735% | 2,499 |
| Cash dividends to net income (ytd only)* | 19.4536% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 1,328 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,629 |
| Noncurrent loans to loans | 0.0252% | 5,414 |
| Net loans and leases to total assets | 67.2661% | 2,825 |
| Net loans and leases to deposits | 75.1398% | 3,367 |
| Net loans and leases to core deposits | 75.1398% | 3,837 |
| Total domestic deposits to total assets | 89.5212% | 843 |
| Equity capital to assets | 10.0175% | 3,935 |
| Core capital (leverage) ratio | 9.7800% | 3,803 |
| Tier 1 risk-based capital ratio | 15.3834% | 3,000 |
| Total risk-based capital ratio | 16.6406% | 2,926 |
| Memoranda: | ||
| Average total assets | $118,602,600 | 4,087 |
| Average earning assets | $111,072,200 | 4,051 |
| Average equity | $11,798,000 | 4,341 |
| Average total loans | $81,054,200 | 3,791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 2,519 |
| Cost of funding earning assets | 0.1668% | 5,654 |
| Net interest margin | 4.0494% | 1,564 |
| Noninterest income to average assets | 0.5558% | 3,017 |
| Noninterest expense to average assets | 2.6905% | 3,593 |
| Loan and lease loss provision to assets | 0.2603% | 639 |
| Net operating income to assets | 1.0391% | 2,278 |
| Return on assets (ROA) | 1.0651% | 2,242 |
| Pretax return on assets | 1.4318% | 1,898 |
| Return on Equity (ROE) | 10.7269% | 1,815 |
| Retained earnings to average equity (ytd only) | 8.9029% | 942 |
| Net charge-offs to loans | 0.0646% | 2,655 |
| Credit loss provision to net charge-offs | 589.7436% | 576 |
| Earnings coverage of net charge-offs (x) | 37.5375% | 1,308 |
| Efficiency ratio | 61.8849% | 4,592 |
| Assets per employee ($millions) | 5.1592% | 2,103 |
| Cash dividends to net income (ytd only)* | 17.0033% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.5428% | 2,763 |
| Net loans and leases to deposits | 76.3748% | 3,260 |
| Net loans and leases to core deposits | 76.3748% | 3,761 |
| Total domestic deposits to total assets | 88.4360% | 1,318 |
| Equity capital to assets | 10.1541% | 3,990 |
| Core capital (leverage) ratio | 9.5996% | 4,166 |
| Tier 1 risk-based capital ratio | 15.5726% | 3,014 |
| Total risk-based capital ratio | 16.8311% | 2,939 |
| Memoranda: | ||
| Average total assets | $117,794,000 | 4,147 |
| Average earning assets | $110,302,500 | 4,109 |
| Average equity | $11,696,250 | 4,407 |
| Average total loans | $80,472,000 | 3,842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,533 |
| Cost of funding earning assets | 0.1726% | 5,673 |
| Net interest margin | 4.0307% | 1,553 |
| Noninterest income to average assets | 0.5566% | 3,000 |
| Noninterest expense to average assets | 2.6927% | 3,616 |
| Loan and lease loss provision to assets | 0.2638% | 634 |
| Net operating income to assets | 1.0230% | 2,276 |
| Return on assets (ROA) | 1.0621% | 2,200 |
| Pretax return on assets | 1.4280% | 1,874 |
| Return on Equity (ROE) | 10.7784% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.0511% | 902 |
| Net charge-offs to loans | 0.1148% | 1,856 |
| Credit loss provision to net charge-offs | 336.9565% | 858 |
| Earnings coverage of net charge-offs (x) | 20.9348% | 1,696 |
| Efficiency ratio | 62.1611% | 4,656 |
| Assets per employee ($millions) | 5.1523% | 2,090 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,804 |
| Loan loss allowance to noncurrent loans | 1,199.0909% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,496 |
| Noncurrent loans to loans | 0.1362% | 5,204 |
| Net loans and leases to total assets | 67.0436% | 2,785 |
| Net loans and leases to deposits | 77.0981% | 3,147 |
| Net loans and leases to core deposits | 77.0981% | 3,655 |
| Total domestic deposits to total assets | 86.9589% | 2,193 |
| Equity capital to assets | 9.8420% | 4,233 |
| Core capital (leverage) ratio | 9.4302% | 4,377 |
| Tier 1 risk-based capital ratio | 15.4967% | 3,107 |
| Total risk-based capital ratio | 16.7527% | 3,051 |
| Memoranda: | ||
| Average total assets | $117,505,000 | 4,198 |
| Average earning assets | $110,055,330 | 4,154 |
| Average equity | $11,578,670 | 4,456 |
| Average total loans | $80,113,330 | 3,872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,617 |
| Cost of funding earning assets | 0.1715% | 5,755 |
| Net interest margin | 3.9838% | 1,613 |
| Noninterest income to average assets | 0.5641% | 2,863 |
| Noninterest expense to average assets | 2.6836% | 3,647 |
| Loan and lease loss provision to assets | 0.2735% | 569 |
| Net operating income to assets | 1.0034% | 2,256 |
| Return on assets (ROA) | 1.0085% | 2,365 |
| Pretax return on assets | 1.3469% | 2,091 |
| Return on Equity (ROE) | 10.2284% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.2284% | 868 |
| Net charge-offs to loans | 0.2005% | 1,131 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,838 |
| Efficiency ratio | 62.4503% | 4,715 |
| Assets per employee ($millions) | 5.4107% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,282 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,569 |
| Noncurrent loans to loans | 0.1355% | 5,292 |
| Net loans and leases to total assets | 67.1343% | 2,590 |
| Net loans and leases to deposits | 77.2997% | 2,910 |
| Net loans and leases to core deposits | 77.4263% | 3,437 |
| Total domestic deposits to total assets | 86.8494% | 2,454 |
| Equity capital to assets | 9.8617% | 4,310 |
| Core capital (leverage) ratio | 9.4494% | 4,355 |
| Tier 1 risk-based capital ratio | 15.1834% | 3,328 |
| Total risk-based capital ratio | 16.4382% | 3,246 |
| Memoranda: | ||
| Average total assets | $117,006,500 | 4,238 |
| Average earning assets | $109,644,000 | 4,186 |
| Average equity | $11,536,500 | 4,502 |
| Average total loans | $79,786,500 | 3,899 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,904 |
| Cost of funding earning assets | 0.1870% | 5,857 |
| Net interest margin | 4.0278% | 1,812 |
| Noninterest income to average assets | 0.4999% | 3,514 |
| Noninterest expense to average assets | 2.7621% | 3,628 |
| Loan and lease loss provision to assets | 0.3075% | 666 |
| Net operating income to assets | 0.9068% | 2,839 |
| Return on assets (ROA) | 0.9277% | 2,829 |
| Pretax return on assets | 1.2036% | 2,637 |
| Return on Equity (ROE) | 9.9120% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.5040% | 828 |
| Net charge-offs to loans | 0.3216% | 1,375 |
| Credit loss provision to net charge-offs | 147.0588% | 1,634 |
| Earnings coverage of net charge-offs (x) | 7.0966% | 3,091 |
| Efficiency ratio | 65.0528% | 4,397 |
| Assets per employee ($millions) | 5.2262% | 2,041 |
| Cash dividends to net income (ytd only)* | 14.2045% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 2,288 |
| Loan loss allowance to noncurrent loans | 952.7559% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 5,597 |
| Noncurrent loans to loans | 0.1620% | 5,247 |
| Net loans and leases to total assets | 67.1430% | 2,705 |
| Net loans and leases to deposits | 78.4367% | 2,919 |
| Net loans and leases to core deposits | 78.4367% | 3,475 |
| Total domestic deposits to total assets | 85.6015% | 3,027 |
| Equity capital to assets | 9.8933% | 4,239 |
| Core capital (leverage) ratio | 9.3036% | 4,533 |
| Tier 1 risk-based capital ratio | 15.8253% | 3,042 |
| Total risk-based capital ratio | 17.0818% | 2,995 |
| Memoranda: | ||
| Average total assets | $113,824,400 | 4,307 |
| Average earning assets | $105,863,800 | 4,274 |
| Average equity | $10,653,800 | 4,626 |
| Average total loans | $73,996,000 | 4,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 3,009 |
| Cost of funding earning assets | 0.1897% | 5,914 |
| Net interest margin | 4.0047% | 1,866 |
| Noninterest income to average assets | 0.4862% | 3,641 |
| Noninterest expense to average assets | 2.7245% | 3,733 |
| Loan and lease loss provision to assets | 0.2701% | 780 |
| Net operating income to assets | 0.9314% | 2,774 |
| Return on assets (ROA) | 0.9594% | 2,720 |
| Pretax return on assets | 1.2460% | 2,589 |
| Return on Equity (ROE) | 10.4006% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.7641% | 763 |
| Net charge-offs to loans | 0.4390% | 897 |
| Credit loss provision to net charge-offs | 95.8333% | 2,323 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 3,303 |
| Efficiency ratio | 64.8045% | 4,409 |
| Assets per employee ($millions) | 4.9574% | 2,291 |
| Cash dividends to net income (ytd only)* | 6.1204% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.1027% | 2,852 |
| Net loans and leases to deposits | 75.3687% | 3,263 |
| Net loans and leases to core deposits | 75.3687% | 3,826 |
| Total domestic deposits to total assets | 87.7058% | 1,917 |
| Equity capital to assets | 9.7333% | 4,509 |
| Core capital (leverage) ratio | 9.2705% | 4,676 |
| Tier 1 risk-based capital ratio | 16.1214% | 3,005 |
| Total risk-based capital ratio | 17.3758% | 2,951 |
| Memoranda: | ||
| Average total assets | $113,536,250 | 4,344 |
| Average earning assets | $105,407,750 | 4,320 |
| Average equity | $10,473,500 | 4,694 |
| Average total loans | $72,892,750 | 4,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 3,033 |
| Cost of funding earning assets | 0.1923% | 5,981 |
| Net interest margin | 3.9872% | 1,850 |
| Noninterest income to average assets | 0.4534% | 3,850 |
| Noninterest expense to average assets | 2.7167% | 3,803 |
| Loan and lease loss provision to assets | 0.2734% | 756 |
| Net operating income to assets | 0.9030% | 2,783 |
| Return on assets (ROA) | 0.9208% | 2,799 |
| Pretax return on assets | 1.1802% | 2,762 |
| Return on Equity (ROE) | 10.1702% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.1960% | 916 |
| Net charge-offs to loans | 0.6694% | 571 |
| Credit loss provision to net charge-offs | 64.5833% | 2,563 |
| Earnings coverage of net charge-offs (x) | 3.3792% | 3,321 |
| Efficiency ratio | 65.5040% | 4,442 |
| Assets per employee ($millions) | 5.1577% | 2,023 |
| Cash dividends to net income (ytd only)* | 9.5785% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 63.6811% | 3,125 |
| Net loans and leases to deposits | 73.2872% | 3,421 |
| Net loans and leases to core deposits | 73.2872% | 3,923 |
| Total domestic deposits to total assets | 86.8926% | 2,518 |
| Equity capital to assets | 9.4642% | 4,781 |
| Core capital (leverage) ratio | 9.0764% | 4,900 |
| Tier 1 risk-based capital ratio | 16.0481% | 3,064 |
| Total risk-based capital ratio | 17.3013% | 2,997 |
| Memoranda: | ||
| Average total assets | $113,374,670 | 4,376 |
| Average earning assets | $105,037,330 | 4,348 |
| Average equity | $10,265,330 | 4,750 |
| Average total loans | $71,703,330 | 4,172 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,969 |
| Cost of funding earning assets | 0.1984% | 6,014 |
| Net interest margin | 3.9750% | 1,840 |
| Noninterest income to average assets | 0.4483% | 3,804 |
| Noninterest expense to average assets | 2.7637% | 3,703 |
| Loan and lease loss provision to assets | 0.2824% | 718 |
| Net operating income to assets | 0.8577% | 2,862 |
| Return on assets (ROA) | 0.8577% | 2,928 |
| Pretax return on assets | 1.0801% | 2,998 |
| Return on Equity (ROE) | 9.6924% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.6924% | 1,049 |
| Net charge-offs to loans | 1.3762% | 237 |
| Credit loss provision to net charge-offs | 32.7869% | 2,372 |
| Earnings coverage of net charge-offs (x) | 1.5820% | 3,065 |
| Efficiency ratio | 66.9803% | 4,368 |
| Assets per employee ($millions) | 5.1975% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 3,913 |
| Loan loss allowance to noncurrent loans | 615.1316% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 4,801 |
| Noncurrent loans to loans | 0.2177% | 5,442 |
| Net loans and leases to total assets | 60.2492% | 3,523 |
| Net loans and leases to deposits | 66.9700% | 3,974 |
| Net loans and leases to core deposits | 66.9700% | 4,401 |
| Total domestic deposits to total assets | 89.9646% | 1,088 |
| Equity capital to assets | 8.9711% | 5,149 |
| Core capital (leverage) ratio | 8.9275% | 5,105 |
| Tier 1 risk-based capital ratio | 15.4505% | 3,469 |
| Total risk-based capital ratio | 16.7029% | 3,422 |
| Memoranda: | ||
| Average total assets | $113,327,000 | 4,423 |
| Average earning assets | $104,854,500 | 4,387 |
| Average equity | $10,028,500 | 4,811 |
| Average total loans | $70,918,500 | 4,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0602% | 3,879 |
| Cost of funding earning assets | 0.2356% | 6,059 |
| Net interest margin | 3.8246% | 2,552 |
| Noninterest income to average assets | 0.4829% | 3,870 |
| Noninterest expense to average assets | 2.7651% | 3,852 |
| Loan and lease loss provision to assets | 0.3262% | 1,001 |
| Net operating income to assets | 0.7351% | 3,630 |
| Return on assets (ROA) | 0.7529% | 3,630 |
| Pretax return on assets | 0.9132% | 3,709 |
| Return on Equity (ROE) | 8.4159% | 2,815 |
| Retained earnings to average equity (ytd only) | 7.4031% | 1,275 |
| Net charge-offs to loans | 0.2122% | 2,766 |
| Credit loss provision to net charge-offs | 253.5211% | 893 |
| Earnings coverage of net charge-offs (x) | 9.4648% | 2,501 |
| Efficiency ratio | 69.4268% | 3,934 |
| Assets per employee ($millions) | 5.1050% | 2,065 |
| Cash dividends to net income (ytd only)* | 12.0337% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,064 |
| Loan loss allowance to noncurrent loans | 533.4951% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,675 |
| Noncurrent loans to loans | 0.2861% | 5,333 |
| Net loans and leases to total assets | 63.1392% | 3,193 |
| Net loans and leases to deposits | 70.9443% | 3,660 |
| Net loans and leases to core deposits | 70.9443% | 4,195 |
| Total domestic deposits to total assets | 88.9982% | 1,625 |
| Equity capital to assets | 8.7250% | 5,338 |
| Core capital (leverage) ratio | 8.9347% | 5,101 |
| Tier 1 risk-based capital ratio | 15.1065% | 3,607 |
| Total risk-based capital ratio | 16.3613% | 3,549 |
| Memoranda: | ||
| Average total assets | $110,376,000 | 4,490 |
| Average earning assets | $101,004,600 | 4,483 |
| Average equity | $9,874,200 | 4,881 |
| Average total loans | $66,918,400 | 4,382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 4,040 |
| Cost of funding earning assets | 0.2421% | 6,140 |
| Net interest margin | 3.7814% | 2,710 |
| Noninterest income to average assets | 0.4829% | 3,919 |
| Noninterest expense to average assets | 2.7384% | 3,873 |
| Loan and lease loss provision to assets | 0.3640% | 873 |
| Net operating income to assets | 0.6938% | 3,891 |
| Return on assets (ROA) | 0.7183% | 3,897 |
| Pretax return on assets | 0.8590% | 4,055 |
| Return on Equity (ROE) | 7.9785% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.6307% | 2,069 |
| Net charge-offs to loans | 0.1869% | 2,727 |
| Credit loss provision to net charge-offs | 326.0870% | 788 |
| Earnings coverage of net charge-offs (x) | 10.6960% | 2,329 |
| Efficiency ratio | 69.6390% | 3,814 |
| Assets per employee ($millions) | 4.9141% | 2,279 |
| Cash dividends to net income (ytd only)* | 16.8920% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,331 |
| Loan loss allowance to noncurrent loans | 255.0351% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 4,783 |
| Noncurrent loans to loans | 0.6003% | 4,695 |
| Net loans and leases to total assets | 61.9718% | 3,365 |
| Net loans and leases to deposits | 67.9567% | 4,063 |
| Net loans and leases to core deposits | 67.9567% | 4,530 |
| Total domestic deposits to total assets | 91.1930% | 460 |
| Equity capital to assets | 8.5318% | 5,699 |
| Core capital (leverage) ratio | 8.7141% | 5,516 |
| Tier 1 risk-based capital ratio | 14.8496% | 3,843 |
| Total risk-based capital ratio | 16.1057% | 3,801 |
| Memoranda: | ||
| Average total assets | $109,892,750 | 4,538 |
| Average earning assets | $100,243,000 | 4,553 |
| Average equity | $9,893,000 | 4,923 |
| Average total loans | $65,645,500 | 4,460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 4,075 |
| Cost of funding earning assets | 0.2469% | 6,197 |
| Net interest margin | 3.7617% | 2,712 |
| Noninterest income to average assets | 0.4428% | 4,222 |
| Noninterest expense to average assets | 2.7065% | 4,002 |
| Loan and lease loss provision to assets | 0.3859% | 826 |
| Net operating income to assets | 0.6536% | 4,044 |
| Return on assets (ROA) | 0.6817% | 4,062 |
| Pretax return on assets | 0.7993% | 4,318 |
| Return on Equity (ROE) | 7.4376% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.4329% | 2,786 |
| Net charge-offs to loans | 0.1974% | 2,583 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 9.9524% | 2,212 |
| Efficiency ratio | 70.1429% | 3,800 |
| Assets per employee ($millions) | 4.5138% | 2,802 |
| Cash dividends to net income (ytd only)* | 26.9542% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 3,451 |
| Loan loss allowance to noncurrent loans | 432.3529% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 4,854 |
| Noncurrent loans to loans | 0.3535% | 5,397 |
| Net loans and leases to total assets | 58.7464% | 3,863 |
| Net loans and leases to deposits | 64.2997% | 4,464 |
| Net loans and leases to core deposits | 64.5062% | 4,839 |
| Total domestic deposits to total assets | 91.3635% | 424 |
| Equity capital to assets | 8.4336% | 5,833 |
| Core capital (leverage) ratio | 8.6952% | 5,431 |
| Tier 1 risk-based capital ratio | 15.4927% | 3,486 |
| Total risk-based capital ratio | 16.7535% | 3,434 |
| Memoranda: | ||
| Average total assets | $108,849,000 | 4,586 |
| Average earning assets | $98,838,000 | 4,629 |
| Average equity | $9,976,330 | 4,944 |
| Average total loans | $63,816,670 | 4,549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,963 |
| Cost of funding earning assets | 0.2648% | 6,194 |
| Net interest margin | 3.7722% | 2,553 |
| Noninterest income to average assets | 0.4268% | 4,274 |
| Noninterest expense to average assets | 2.7927% | 3,725 |
| Loan and lease loss provision to assets | 0.3931% | 794 |
| Net operating income to assets | 0.6776% | 3,794 |
| Return on assets (ROA) | 0.6776% | 3,951 |
| Pretax return on assets | 0.7075% | 4,548 |
| Return on Equity (ROE) | 7.0939% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.1342% | 3,149 |
| Net charge-offs to loans | 0.3158% | 1,703 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,287 |
| Efficiency ratio | 71.7308% | 3,667 |
| Assets per employee ($millions) | 4.1152% | 3,708 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,829 |
| Loan loss allowance to noncurrent loans | 526.4045% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 5,021 |
| Noncurrent loans to loans | 0.2850% | 5,694 |
| Net loans and leases to total assets | 57.4937% | 3,847 |
| Net loans and leases to deposits | 63.8616% | 4,333 |
| Net loans and leases to core deposits | 63.8616% | 4,755 |
| Total domestic deposits to total assets | 90.0286% | 1,030 |
| Equity capital to assets | 9.5359% | 4,802 |
| Core capital (leverage) ratio | 8.8003% | 5,187 |
| Tier 1 risk-based capital ratio | 16.1280% | 3,192 |
| Total risk-based capital ratio | 17.3226% | 3,182 |
| Memoranda: | ||
| Average total assets | $106,850,500 | 4,688 |
| Average earning assets | $98,191,000 | 4,682 |
| Average equity | $10,206,000 | 4,946 |
| Average total loans | $62,064,000 | 4,629 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 4,194 |
| Cost of funding earning assets | 0.3422% | 6,263 |
| Net interest margin | 3.9563% | 2,579 |
| Noninterest income to average assets | 0.4684% | 4,110 |
| Noninterest expense to average assets | 2.8069% | 4,003 |
| Loan and lease loss provision to assets | 0.4618% | 1,359 |
| Net operating income to assets | 0.6998% | 3,739 |
| Return on assets (ROA) | 0.7257% | 3,868 |
| Pretax return on assets | 0.8473% | 4,120 |
| Return on Equity (ROE) | 7.8435% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.8435% | 1,175 |
| Net charge-offs to loans | 0.7185% | 1,641 |
| Credit loss provision to net charge-offs | 109.6197% | 2,673 |
| Earnings coverage of net charge-offs (x) | 3.0358% | 3,914 |
| Efficiency ratio | 68.6967% | 4,021 |
| Assets per employee ($millions) | 4.1040% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,020 |
| Loan loss allowance to noncurrent loans | 291.7219% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 4,743 |
| Noncurrent loans to loans | 0.4897% | 5,307 |
| Net loans and leases to total assets | 56.9739% | 4,123 |
| Net loans and leases to deposits | 63.3707% | 4,621 |
| Net loans and leases to core deposits | 63.3707% | 5,030 |
| Total domestic deposits to total assets | 89.9058% | 1,003 |
| Equity capital to assets | 9.5675% | 4,797 |
| Core capital (leverage) ratio | 8.6289% | 5,426 |
| Tier 1 risk-based capital ratio | 16.2577% | 3,023 |
| Total risk-based capital ratio | 17.4614% | 2,995 |
| Memoranda: | ||
| Average total assets | $106,097,400 | 4,678 |
| Average earning assets | $97,010,800 | 4,663 |
| Average equity | $9,817,000 | 5,018 |
| Average total loans | $62,210,000 | 4,624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 4,263 |
| Cost of funding earning assets | 0.3638% | 6,310 |
| Net interest margin | 3.9842% | 2,565 |
| Noninterest income to average assets | 0.4342% | 4,396 |
| Noninterest expense to average assets | 2.6843% | 4,429 |
| Loan and lease loss provision to assets | 0.4279% | 1,488 |
| Net operating income to assets | 0.8130% | 3,385 |
| Return on assets (ROA) | 0.8130% | 3,626 |
| Pretax return on assets | 0.9602% | 3,872 |
| Return on Equity (ROE) | 8.8621% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.8621% | 1,282 |
| Net charge-offs to loans | 0.7507% | 1,478 |
| Credit loss provision to net charge-offs | 96.8661% | 3,087 |
| Earnings coverage of net charge-offs (x) | 3.1424% | 3,771 |
| Efficiency ratio | 65.9147% | 4,464 |
| Assets per employee ($millions) | 4.2902% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,769 |
| Loan loss allowance to noncurrent loans | 176.1194% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 4,740 |
| Noncurrent loans to loans | 0.7438% | 4,932 |
| Net loans and leases to total assets | 58.0182% | 4,133 |
| Net loans and leases to deposits | 65.7072% | 4,503 |
| Net loans and leases to core deposits | 65.7072% | 4,986 |
| Total domestic deposits to total assets | 88.2981% | 1,851 |
| Equity capital to assets | 9.5044% | 5,201 |
| Core capital (leverage) ratio | 8.4436% | 5,826 |
| Tier 1 risk-based capital ratio | 15.9706% | 3,280 |
| Total risk-based capital ratio | 17.2280% | 3,246 |
| Memoranda: | ||
| Average total assets | $105,945,500 | 4,728 |
| Average earning assets | $96,746,750 | 4,718 |
| Average equity | $9,719,000 | 5,095 |
| Average total loans | $62,343,750 | 4,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 4,267 |
| Cost of funding earning assets | 0.3910% | 6,319 |
| Net interest margin | 3.9872% | 2,560 |
| Noninterest income to average assets | 0.4455% | 4,332 |
| Noninterest expense to average assets | 2.5837% | 4,835 |
| Loan and lease loss provision to assets | 0.4549% | 1,405 |
| Net operating income to assets | 0.8492% | 3,150 |
| Return on assets (ROA) | 0.8492% | 3,423 |
| Pretax return on assets | 1.0407% | 3,556 |
| Return on Equity (ROE) | 9.3717% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.3717% | 1,150 |
| Net charge-offs to loans | 1.1239% | 966 |
| Credit loss provision to net charge-offs | 68.7679% | 3,597 |
| Earnings coverage of net charge-offs (x) | 2.2607% | 3,865 |
| Efficiency ratio | 63.3364% | 5,016 |
| Assets per employee ($millions) | 4.2641% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,442 |
| Loan loss allowance to noncurrent loans | 156.7742% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 4,692 |
| Noncurrent loans to loans | 0.7530% | 5,003 |
| Net loans and leases to total assets | 57.2419% | 4,292 |
| Net loans and leases to deposits | 63.3991% | 4,838 |
| Net loans and leases to core deposits | 63.3991% | 5,271 |
| Total domestic deposits to total assets | 90.2882% | 772 |
| Equity capital to assets | 9.2625% | 5,373 |
| Core capital (leverage) ratio | 8.2711% | 5,963 |
| Tier 1 risk-based capital ratio | 15.9451% | 3,189 |
| Total risk-based capital ratio | 17.1872% | 3,159 |
| Memoranda: | ||
| Average total assets | $105,508,670 | 4,759 |
| Average earning assets | $96,157,000 | 4,760 |
| Average equity | $9,560,670 | 5,144 |
| Average total loans | $62,107,000 | 4,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3299% | 4,612 |
| Cost of funding earning assets | 0.4347% | 6,229 |
| Net interest margin | 3.8952% | 2,947 |
| Noninterest income to average assets | 0.4383% | 4,391 |
| Noninterest expense to average assets | 2.6943% | 4,440 |
| Loan and lease loss provision to assets | 0.2858% | 2,178 |
| Net operating income to assets | 0.8308% | 3,248 |
| Return on assets (ROA) | 0.8308% | 3,479 |
| Pretax return on assets | 1.0099% | 3,643 |
| Return on Equity (ROE) | 9.2726% | 2,695 |
| Retained earnings to average equity (ytd only) | 9.2726% | 1,490 |
| Net charge-offs to loans | 0.8927% | 1,151 |
| Credit loss provision to net charge-offs | 53.9568% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.4460% | 3,202 |
| Efficiency ratio | 67.5263% | 4,269 |
| Assets per employee ($millions) | 4.4404% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,286 |
| Loan loss allowance to noncurrent loans | 102.1108% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2049% | 4,116 |
| Noncurrent loans to loans | 1.2185% | 4,299 |
| Net loans and leases to total assets | 57.6472% | 4,103 |
| Net loans and leases to deposits | 63.5634% | 4,695 |
| Net loans and leases to core deposits | 63.5634% | 5,169 |
| Total domestic deposits to total assets | 90.6924% | 690 |
| Equity capital to assets | 8.9435% | 5,580 |
| Core capital (leverage) ratio | 8.2178% | 6,005 |
| Tier 1 risk-based capital ratio | 15.6258% | 3,378 |
| Total risk-based capital ratio | 16.8464% | 3,360 |
| Memoranda: | ||
| Average total assets | $104,962,000 | 4,809 |
| Average earning assets | $95,707,500 | 4,797 |
| Average equity | $9,404,000 | 5,192 |
| Average total loans | $62,285,500 | 4,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 3,947 |
| Cost of funding earning assets | 0.5784% | 6,196 |
| Net interest margin | 4.1904% | 2,096 |
| Noninterest income to average assets | 0.3718% | 4,849 |
| Noninterest expense to average assets | 3.1394% | 3,062 |
| Loan and lease loss provision to assets | 0.3039% | 3,236 |
| Net operating income to assets | 0.6427% | 3,775 |
| Return on assets (ROA) | 0.7203% | 3,557 |
| Pretax return on assets | 0.8185% | 3,916 |
| Return on Equity (ROE) | 8.2546% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.2546% | 997 |
| Net charge-offs to loans | 0.6367% | 2,549 |
| Credit loss provision to net charge-offs | 80.6452% | 4,418 |
| Earnings coverage of net charge-offs (x) | 2.7446% | 3,849 |
| Efficiency ratio | 75.2184% | 3,024 |
| Assets per employee ($millions) | 4.1342% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,691 |
| Loan loss allowance to noncurrent loans | 87.2917% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 3,664 |
| Noncurrent loans to loans | 1.5394% | 3,844 |
| Net loans and leases to total assets | 59.5278% | 4,074 |
| Net loans and leases to deposits | 65.7881% | 4,767 |
| Net loans and leases to core deposits | 65.7881% | 5,273 |
| Total domestic deposits to total assets | 90.4843% | 731 |
| Equity capital to assets | 8.9759% | 5,575 |
| Core capital (leverage) ratio | 8.2184% | 5,961 |
| Tier 1 risk-based capital ratio | 15.7183% | 3,207 |
| Total risk-based capital ratio | 16.9669% | 3,168 |
| Memoranda: | ||
| Average total assets | $98,714,000 | 4,924 |
| Average earning assets | $89,562,000 | 4,948 |
| Average equity | $8,613,400 | 5,379 |
| Average total loans | $58,422,600 | 4,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 3,850 |
| Cost of funding earning assets | 0.6105% | 6,243 |
| Net interest margin | 4.2266% | 1,999 |
| Noninterest income to average assets | 0.4114% | 4,576 |
| Noninterest expense to average assets | 3.1517% | 2,990 |
| Loan and lease loss provision to assets | 0.3075% | 3,070 |
| Net operating income to assets | 0.6916% | 3,668 |
| Return on assets (ROA) | 0.6916% | 3,833 |
| Pretax return on assets | 0.7845% | 4,186 |
| Return on Equity (ROE) | 7.9864% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.9864% | 1,513 |
| Net charge-offs to loans | 0.8380% | 1,901 |
| Credit loss provision to net charge-offs | 62.3269% | 4,737 |
| Earnings coverage of net charge-offs (x) | 2.2133% | 4,020 |
| Efficiency ratio | 74.2673% | 3,131 |
| Assets per employee ($millions) | 3.9793% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,817 |
| Loan loss allowance to noncurrent loans | 317.2131% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,508 |
| Noncurrent loans to loans | 0.4223% | 5,996 |
| Net loans and leases to total assets | 57.3053% | 4,626 |
| Net loans and leases to deposits | 63.4844% | 5,241 |
| Net loans and leases to core deposits | 63.4844% | 5,672 |
| Total domestic deposits to total assets | 90.2667% | 736 |
| Equity capital to assets | 9.1965% | 5,520 |
| Core capital (leverage) ratio | 8.2766% | 6,009 |
| Tier 1 risk-based capital ratio | 16.1250% | 3,053 |
| Total risk-based capital ratio | 16.2515% | 3,628 |
| Memoranda: | ||
| Average total assets | $97,553,750 | 4,995 |
| Average earning assets | $88,454,000 | 5,009 |
| Average equity | $8,447,500 | 5,452 |
| Average total loans | $57,437,500 | 5,020 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 3,904 |
| Cost of funding earning assets | 0.6574% | 6,189 |
| Net interest margin | 4.1835% | 2,106 |
| Noninterest income to average assets | 0.5675% | 3,351 |
| Noninterest expense to average assets | 3.1163% | 3,190 |
| Loan and lease loss provision to assets | 0.3096% | 2,934 |
| Net operating income to assets | 0.8441% | 2,885 |
| Return on assets (ROA) | 0.8441% | 2,981 |
| Pretax return on assets | 0.9369% | 3,484 |
| Return on Equity (ROE) | 9.9590% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.9590% | 848 |
| Net charge-offs to loans | 0.0244% | 5,490 |
| Credit loss provision to net charge-offs | 2,142.8571% | 154 |
| Earnings coverage of net charge-offs (x) | 86.2857% | 403 |
| Efficiency ratio | 71.4286% | 3,843 |
| Assets per employee ($millions) | 3.9104% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,961 |
| Loan loss allowance to noncurrent loans | 47.5825% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.5491% | 2,625 |
| Noncurrent loans to loans | 3.8012% | 1,839 |
| Net loans and leases to total assets | 58.4753% | 4,548 |
| Net loans and leases to deposits | 65.6062% | 5,057 |
| Net loans and leases to core deposits | 65.6062% | 5,553 |
| Total domestic deposits to total assets | 89.1306% | 1,454 |
| Equity capital to assets | 8.9361% | 5,671 |
| Core capital (leverage) ratio | 8.2972% | 5,875 |
| Tier 1 risk-based capital ratio | 16.2405% | 2,864 |
| Total risk-based capital ratio | 16.3815% | 3,395 |
| Memoranda: | ||
| Average total assets | $96,910,670 | 5,050 |
| Average earning assets | $87,916,000 | 5,066 |
| Average equity | $8,213,670 | 5,546 |
| Average total loans | $57,322,330 | 5,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 3,212 |
| Cost of funding earning assets | 0.7162% | 6,051 |
| Net interest margin | 4.2605% | 1,701 |
| Noninterest income to average assets | 0.5016% | 3,869 |
| Noninterest expense to average assets | 3.1922% | 2,924 |
| Loan and lease loss provision to assets | 0.3109% | 2,681 |
| Net operating income to assets | 0.7752% | 3,140 |
| Return on assets (ROA) | 0.7752% | 3,214 |
| Pretax return on assets | 0.8706% | 3,619 |
| Return on Equity (ROE) | 9.4058% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.4058% | 1,263 |
| Net charge-offs to loans | -0.0070% | 6,290 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9858% | 3,688 |
| Assets per employee ($millions) | 4.0330% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 3,188 |
| Loan loss allowance to noncurrent loans | 45.6653% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 2.5168% | 2,716 |
| Noncurrent loans to loans | 3.8260% | 1,919 |
| Net loans and leases to total assets | 57.2285% | 4,758 |
| Net loans and leases to deposits | 63.3537% | 5,342 |
| Net loans and leases to core deposits | 63.3537% | 5,798 |
| Total domestic deposits to total assets | 90.3317% | 946 |
| Equity capital to assets | 8.3809% | 6,072 |
| Core capital (leverage) ratio | 8.1161% | 6,101 |
| Tier 1 risk-based capital ratio | 14.1838% | 3,947 |
| Total risk-based capital ratio | 15.4437% | 3,909 |
| Memoranda: | ||
| Average total assets | $96,485,500 | 5,095 |
| Average earning assets | $87,689,500 | 5,103 |
| Average equity | $7,952,500 | 5,623 |
| Average total loans | $56,874,000 | 5,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 3,998 |
| Cost of funding earning assets | 1.0007% | 5,682 |
| Net interest margin | 4.1210% | 2,477 |
| Noninterest income to average assets | 0.5751% | 3,627 |
| Noninterest expense to average assets | 2.9995% | 3,851 |
| Loan and lease loss provision to assets | 0.7600% | 2,156 |
| Net operating income to assets | 0.5061% | 4,068 |
| Return on assets (ROA) | 0.6318% | 3,683 |
| Pretax return on assets | 0.6734% | 4,076 |
| Return on Equity (ROE) | 7.5103% | 2,892 |
| Retained earnings to average equity (ytd only) | 7.2561% | 1,223 |
| Net charge-offs to loans | 0.3146% | 4,447 |
| Credit loss provision to net charge-offs | 408.6207% | 592 |
| Earnings coverage of net charge-offs (x) | 6.9885% | 2,227 |
| Efficiency ratio | 69.7663% | 4,229 |
| Assets per employee ($millions) | 4.0075% | 3,770 |
| Cash dividends to net income (ytd only)* | 3.3841% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,633 |
| Loan loss allowance to noncurrent loans | 44.2177% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.4298% | 2,844 |
| Noncurrent loans to loans | 3.5872% | 2,094 |
| Net loans and leases to total assets | 58.7035% | 4,916 |
| Net loans and leases to deposits | 64.9328% | 5,524 |
| Net loans and leases to core deposits | 64.9328% | 5,985 |
| Total domestic deposits to total assets | 90.4065% | 883 |
| Equity capital to assets | 8.1025% | 6,381 |
| Core capital (leverage) ratio | 8.1519% | 5,908 |
| Tier 1 risk-based capital ratio | 14.0230% | 3,857 |
| Total risk-based capital ratio | 15.2788% | 3,818 |
| Memoranda: | ||
| Average total assets | $93,549,600 | 5,176 |
| Average earning assets | $84,543,600 | 5,198 |
| Average equity | $7,869,200 | 5,761 |
| Average total loans | $55,306,000 | 5,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 4,058 |
| Cost of funding earning assets | 1.0780% | 5,558 |
| Net interest margin | 4.0766% | 2,731 |
| Noninterest income to average assets | 0.5784% | 3,592 |
| Noninterest expense to average assets | 2.9725% | 3,845 |
| Loan and lease loss provision to assets | 0.4665% | 3,141 |
| Net operating income to assets | 0.7180% | 3,331 |
| Return on assets (ROA) | 0.8741% | 2,850 |
| Pretax return on assets | 0.9990% | 3,188 |
| Return on Equity (ROE) | 10.2935% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.9554% | 807 |
| Net charge-offs to loans | 0.2117% | 4,668 |
| Credit loss provision to net charge-offs | 373.5632% | 837 |
| Earnings coverage of net charge-offs (x) | 10.2986% | 1,900 |
| Efficiency ratio | 69.8011% | 4,111 |
| Assets per employee ($millions) | 3.9944% | 3,849 |
| Cash dividends to net income (ytd only)* | 3.2846% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 6,107 |
| Loan loss allowance to noncurrent loans | 35.6517% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 3,506 |
| Noncurrent loans to loans | 2.9795% | 2,680 |
| Net loans and leases to total assets | 59.2650% | 5,052 |
| Net loans and leases to deposits | 65.4581% | 5,727 |
| Net loans and leases to core deposits | 65.4581% | 6,163 |
| Total domestic deposits to total assets | 90.5389% | 623 |
| Equity capital to assets | 8.7789% | 5,891 |
| Core capital (leverage) ratio | 7.9897% | 6,358 |
| Tier 1 risk-based capital ratio | 13.7950% | 3,984 |
| Total risk-based capital ratio | 14.8926% | 4,039 |
| Memoranda: | ||
| Average total assets | $92,892,000 | 5,254 |
| Average earning assets | $83,858,750 | 5,281 |
| Average equity | $7,888,250 | 5,825 |
| Average total loans | $54,789,750 | 5,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 3,949 |
| Cost of funding earning assets | 1.1586% | 5,350 |
| Net interest margin | 4.0431% | 2,823 |
| Noninterest income to average assets | 0.5310% | 3,868 |
| Noninterest expense to average assets | 2.9771% | 3,798 |
| Loan and lease loss provision to assets | 0.5441% | 2,601 |
| Net operating income to assets | 0.5563% | 4,054 |
| Return on assets (ROA) | 0.7856% | 3,187 |
| Pretax return on assets | 0.9249% | 3,404 |
| Return on Equity (ROE) | 9.3616% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.8430% | 1,159 |
| Net charge-offs to loans | 0.0519% | 5,658 |
| Credit loss provision to net charge-offs | 1,785.7143% | 227 |
| Earnings coverage of net charge-offs (x) | 39.3571% | 738 |
| Efficiency ratio | 71.2871% | 3,944 |
| Assets per employee ($millions) | 3.9356% | 3,893 |
| Cash dividends to net income (ytd only)* | 5.5402% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 6,012 |
| Loan loss allowance to noncurrent loans | 52.0548% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.3573% | 4,452 |
| Noncurrent loans to loans | 2.0844% | 3,614 |
| Net loans and leases to total assets | 58.6819% | 5,303 |
| Net loans and leases to deposits | 65.2409% | 5,895 |
| Net loans and leases to core deposits | 65.2409% | 6,295 |
| Total domestic deposits to total assets | 89.9465% | 941 |
| Equity capital to assets | 8.4442% | 6,236 |
| Core capital (leverage) ratio | 7.9438% | 6,336 |
| Tier 1 risk-based capital ratio | 13.6568% | 3,971 |
| Total risk-based capital ratio | 14.7763% | 4,012 |
| Memoranda: | ||
| Average total assets | $91,900,670 | 5,324 |
| Average earning assets | $82,856,330 | 5,342 |
| Average equity | $7,712,330 | 5,897 |
| Average total loans | $53,911,330 | 5,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 3,632 |
| Cost of funding earning assets | 1.2348% | 5,206 |
| Net interest margin | 4.0476% | 2,659 |
| Noninterest income to average assets | 0.4370% | 4,582 |
| Noninterest expense to average assets | 3.0058% | 3,662 |
| Loan and lease loss provision to assets | 0.7724% | 1,637 |
| Net operating income to assets | 0.2396% | 5,549 |
| Return on assets (ROA) | 0.6665% | 3,698 |
| Pretax return on assets | 0.8519% | 3,659 |
| Return on Equity (ROE) | 7.9678% | 2,897 |
| Retained earnings to average equity (ytd only) | 7.9678% | 1,718 |
| Net charge-offs to loans | 0.0757% | 4,660 |
| Credit loss provision to net charge-offs | 1,750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 24.4000% | 1,019 |
| Efficiency ratio | 73.6216% | 3,632 |
| Assets per employee ($millions) | 3.8338% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 6,409 |
| Loan loss allowance to noncurrent loans | 47.4846% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 4,228 |
| Noncurrent loans to loans | 2.1265% | 3,617 |
| Net loans and leases to total assets | 57.3208% | 5,549 |
| Net loans and leases to deposits | 63.5921% | 6,095 |
| Net loans and leases to core deposits | 63.5921% | 6,481 |
| Total domestic deposits to total assets | 90.1382% | 922 |
| Equity capital to assets | 8.3478% | 6,230 |
| Core capital (leverage) ratio | 7.9236% | 6,352 |
| Tier 1 risk-based capital ratio | 13.8863% | 3,735 |
| Total risk-based capital ratio | 14.9201% | 3,837 |
| Memoranda: | ||
| Average total assets | $90,623,500 | 5,431 |
| Average earning assets | $81,629,500 | 5,448 |
| Average equity | $7,580,500 | 5,983 |
| Average total loans | $52,849,000 | 5,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5443% | 3,906 |
| Cost of funding earning assets | 1.5778% | 5,141 |
| Net interest margin | 3.9665% | 2,997 |
| Noninterest income to average assets | 0.6592% | 3,225 |
| Noninterest expense to average assets | 3.4683% | 2,460 |
| Loan and lease loss provision to assets | 0.2772% | 5,200 |
| Net operating income to assets | 0.4498% | 3,925 |
| Return on assets (ROA) | 0.4784% | 3,918 |
| Pretax return on assets | 0.5037% | 4,174 |
| Return on Equity (ROE) | 5.4954% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.4954% | 1,581 |
| Net charge-offs to loans | 0.4350% | 4,061 |
| Credit loss provision to net charge-offs | 106.4815% | 5,206 |
| Earnings coverage of net charge-offs (x) | 2.8843% | 3,645 |
| Efficiency ratio | 82.2051% | 2,574 |
| Assets per employee ($millions) | 3.7181% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 7,351 |
| Loan loss allowance to noncurrent loans | 18.9533% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 2.2054% | 3,119 |
| Noncurrent loans to loans | 3.7544% | 1,998 |
| Net loans and leases to total assets | 58.3235% | 5,605 |
| Net loans and leases to deposits | 63.9751% | 6,266 |
| Net loans and leases to core deposits | 65.8048% | 6,992 |
| Total domestic deposits to total assets | 91.1660% | 471 |
| Equity capital to assets | 8.3824% | 6,075 |
| Core capital (leverage) ratio | 7.9231% | 6,296 |
| Tier 1 risk-based capital ratio | 13.5620% | 3,788 |
| Total risk-based capital ratio | 14.2767% | 4,071 |
| Memoranda: | ||
| Average total assets | $82,980,200 | 5,634 |
| Average earning assets | $74,473,000 | 5,656 |
| Average equity | $7,224,200 | 6,199 |
| Average total loans | $49,655,200 | 5,686 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 3,690 |
| Cost of funding earning assets | 1.6271% | 5,274 |
| Net interest margin | 4.0030% | 2,807 |
| Noninterest income to average assets | 0.7173% | 2,903 |
| Noninterest expense to average assets | 3.4718% | 2,350 |
| Loan and lease loss provision to assets | 0.2211% | 5,204 |
| Net operating income to assets | 0.5108% | 3,938 |
| Return on assets (ROA) | 0.5502% | 3,876 |
| Pretax return on assets | 0.6616% | 3,980 |
| Return on Equity (ROE) | 6.2566% | 3,412 |
| Retained earnings to average equity (ytd only) | 6.2566% | 1,824 |
| Net charge-offs to loans | 0.2178% | 4,671 |
| Credit loss provision to net charge-offs | 168.7500% | 2,771 |
| Earnings coverage of net charge-offs (x) | 6.3752% | 2,622 |
| Efficiency ratio | 80.6084% | 2,757 |
| Assets per employee ($millions) | 3.4136% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 7,009 |
| Loan loss allowance to noncurrent loans | 34.7351% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 1.5573% | 4,028 |
| Noncurrent loans to loans | 2.4010% | 3,137 |
| Net loans and leases to total assets | 57.5451% | 5,961 |
| Net loans and leases to deposits | 63.4910% | 6,543 |
| Net loans and leases to core deposits | 65.3089% | 7,192 |
| Total domestic deposits to total assets | 90.6351% | 542 |
| Equity capital to assets | 8.7298% | 5,910 |
| Core capital (leverage) ratio | 8.4116% | 5,650 |
| Tier 1 risk-based capital ratio | 14.9671% | 3,055 |
| Total risk-based capital ratio | 15.8482% | 3,171 |
| Memoranda: | ||
| Average total assets | $81,416,500 | 5,717 |
| Average earning assets | $73,010,500 | 5,753 |
| Average equity | $7,160,250 | 6,272 |
| Average total loans | $48,964,500 | 5,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7006% | 3,535 |
| Cost of funding earning assets | 1.6881% | 5,331 |
| Net interest margin | 4.0125% | 2,649 |
| Noninterest income to average assets | 0.7340% | 2,797 |
| Noninterest expense to average assets | 3.5252% | 2,267 |
| Loan and lease loss provision to assets | 0.2247% | 4,784 |
| Net operating income to assets | 0.4738% | 4,203 |
| Return on assets (ROA) | 0.5318% | 4,085 |
| Pretax return on assets | 0.6441% | 4,179 |
| Return on Equity (ROE) | 6.0309% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.0309% | 2,006 |
| Net charge-offs to loans | 0.3034% | 3,666 |
| Credit loss provision to net charge-offs | 121.6216% | 3,817 |
| Earnings coverage of net charge-offs (x) | 4.3243% | 3,135 |
| Efficiency ratio | 81.5242% | 2,792 |
| Assets per employee ($millions) | 3.2048% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 7,296 |
| Loan loss allowance to noncurrent loans | 59.1483% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0272% | 4,915 |
| Noncurrent loans to loans | 1.2706% | 4,657 |
| Net loans and leases to total assets | 61.8110% | 5,390 |
| Net loans and leases to deposits | 68.5051% | 6,137 |
| Net loans and leases to core deposits | 70.8281% | 6,979 |
| Total domestic deposits to total assets | 90.2284% | 741 |
| Equity capital to assets | 8.8617% | 5,508 |
| Core capital (leverage) ratio | 8.4823% | 5,480 |
| Tier 1 risk-based capital ratio | 14.8937% | 3,067 |
| Total risk-based capital ratio | 15.7039% | 3,214 |
| Memoranda: | ||
| Average total assets | $80,108,670 | 5,800 |
| Average earning assets | $71,676,330 | 5,836 |
| Average equity | $7,063,670 | 6,346 |
| Average total loans | $48,778,670 | 5,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 4,271 |
| Cost of funding earning assets | 1.7671% | 5,283 |
| Net interest margin | 3.8464% | 3,261 |
| Noninterest income to average assets | 0.6891% | 2,954 |
| Noninterest expense to average assets | 3.4605% | 2,200 |
| Loan and lease loss provision to assets | 0.2247% | 4,207 |
| Net operating income to assets | 0.3611% | 5,013 |
| Return on assets (ROA) | 0.4744% | 4,737 |
| Pretax return on assets | 0.5892% | 4,788 |
| Return on Equity (ROE) | 5.3935% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.3935% | 2,910 |
| Net charge-offs to loans | 0.0332% | 5,049 |
| Credit loss provision to net charge-offs | 1,125.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 973 |
| Efficiency ratio | 83.6957% | 2,339 |
| Assets per employee ($millions) | 3.2236% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 7,063 |
| Loan loss allowance to noncurrent loans | 54.4837% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 4,356 |
| Noncurrent loans to loans | 1.5158% | 4,015 |
| Net loans and leases to total assets | 59.7538% | 5,698 |
| Net loans and leases to deposits | 65.9396% | 6,381 |
| Net loans and leases to core deposits | 70.4113% | 6,997 |
| Total domestic deposits to total assets | 90.6191% | 548 |
| Equity capital to assets | 8.8374% | 5,564 |
| Core capital (leverage) ratio | 8.4171% | 5,687 |
| Tier 1 risk-based capital ratio | 14.7261% | 3,193 |
| Total risk-based capital ratio | 15.5978% | 3,321 |
| Memoranda: | ||
| Average total assets | $80,103,000 | 5,817 |
| Average earning assets | $71,755,000 | 5,853 |
| Average equity | $7,045,500 | 6,387 |
| Average total loans | $48,219,000 | 5,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9076% | 6,004 |
| Cost of funding earning assets | 1.7785% | 7,063 |
| Net interest margin | 4.1291% | 2,586 |
| Noninterest income to average assets | 0.8819% | 2,050 |
| Noninterest expense to average assets | 3.5029% | 2,390 |
| Loan and lease loss provision to assets | 0.3543% | 3,564 |
| Net operating income to assets | 0.5912% | 4,341 |
| Return on assets (ROA) | 0.6116% | 4,118 |
| Pretax return on assets | 0.7357% | 4,285 |
| Return on Equity (ROE) | 6.3711% | 3,808 |
| Retained earnings to average equity (ytd only) | -8.7821% | 6,950 |
| Net charge-offs to loans | 0.5075% | 2,325 |
| Credit loss provision to net charge-offs | 118.6147% | 4,543 |
| Earnings coverage of net charge-offs (x) | 3.5671% | 4,308 |
| Efficiency ratio | 76.6770% | 3,122 |
| Assets per employee ($millions) | 2.9488% | 6,174 |
| Cash dividends to net income (ytd only)* | 237.8436% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 7,286 |
| Loan loss allowance to noncurrent loans | 74.9478% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 4,731 |
| Noncurrent loans to loans | 1.0004% | 4,594 |
| Net loans and leases to total assets | 59.6895% | 5,959 |
| Net loans and leases to deposits | 65.8040% | 6,659 |
| Net loans and leases to core deposits | 70.0867% | 7,182 |
| Total domestic deposits to total assets | 90.7080% | 422 |
| Equity capital to assets | 8.7532% | 5,726 |
| Core capital (leverage) ratio | 8.4483% | 5,660 |
| Tier 1 risk-based capital ratio | 14.6504% | 3,231 |
| Total risk-based capital ratio | 15.4378% | 3,379 |
| Memoranda: | ||
| Average total assets | $77,336,600 | 5,792 |
| Average earning assets | $69,046,600 | 5,857 |
| Average equity | $7,424,200 | 6,301 |
| Average total loans | $45,520,000 | 5,903 |