Home > Farmers & Merchants Bank of Colby > Performance and Condition Ratios
Farmers & Merchants Bank of Colby, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4875% | 633 |
| Cost of funding earning assets | 3.1502% | 227 |
| Net interest margin | 3.3373% | 2,693 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 1.4753% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3748% | 1,311 |
| Return on assets (ROA) | 1.3748% | 1,309 |
| Pretax return on assets | 1.6811% | 1,146 |
| Return on Equity (ROE) | 12.9300% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.0356% | 791 |
| Net charge-offs to loans | -0.0109% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 41.8103% | 4,240 |
| Assets per employee ($millions) | 14.8068% | 238 |
| Cash dividends to net income (ytd only)* | 6.9104% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 3,602 |
| Loan loss allowance to noncurrent loans | 185.4229% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 1,954 |
| Noncurrent loans to loans | 0.4864% | 1,897 |
| Net loans and leases to total assets | 69.1400% | 1,937 |
| Net loans and leases to deposits | 88.9740% | 1,201 |
| Net loans and leases to core deposits | 172.0367% | 77 |
| Total domestic deposits to total assets | 77.7100% | 3,844 |
| Equity capital to assets | 10.7461% | 1,792 |
| Core capital (leverage) ratio | 10.7644% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $581,049,000 | 1,595 |
| Average earning assets | $521,742,500 | 1,638 |
| Average equity | $61,783,500 | 1,507 |
| Average total loans | $403,982,500 | 1,550 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5242% | 677 |
| Cost of funding earning assets | 3.2013% | 331 |
| Net interest margin | 3.3229% | 2,454 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 1.6606% | 4,132 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 1.1276% | 1,666 |
| Return on assets (ROA) | 1.1362% | 1,657 |
| Pretax return on assets | 1.3705% | 1,586 |
| Return on Equity (ROE) | 10.1900% | 2,100 |
| Retained earnings to average equity (ytd only) | 6.0791% | 1,798 |
| Net charge-offs to loans | -0.0345% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 46.7029% | 4,149 |
| Assets per employee ($millions) | 14.9954% | 217 |
| Cash dividends to net income (ytd only)* | 40.3683% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,038 |
| Loan loss allowance to noncurrent loans | 204.1562% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 1,872 |
| Noncurrent loans to loans | 0.5059% | 1,816 |
| Net loans and leases to total assets | 68.5600% | 2,069 |
| Net loans and leases to deposits | 89.2044% | 1,280 |
| Net loans and leases to core deposits | 176.8647% | 80 |
| Total domestic deposits to total assets | 76.8500% | 3,885 |
| Equity capital to assets | 10.5157% | 1,821 |
| Core capital (leverage) ratio | 10.5238% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $530,457,400 | 1,702 |
| Average earning assets | $477,269,200 | 1,730 |
| Average equity | $59,120,600 | 1,512 |
| Average total loans | $373,411,600 | 1,614 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5332% | 658 |
| Cost of funding earning assets | 3.1847% | 364 |
| Net interest margin | 3.3485% | 2,345 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 1.5668% | 4,204 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.2603% | 1,399 |
| Return on assets (ROA) | 1.2603% | 1,395 |
| Pretax return on assets | 1.5363% | 1,253 |
| Return on Equity (ROE) | 11.1400% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.1965% | 813 |
| Net charge-offs to loans | -0.0467% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 43.4609% | 4,247 |
| Assets per employee ($millions) | 13.8933% | 282 |
| Cash dividends to net income (ytd only)* | 8.4332% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 3,613 |
| Loan loss allowance to noncurrent loans | 168.2309% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,696 |
| Noncurrent loans to loans | 0.5444% | 1,728 |
| Net loans and leases to total assets | 71.5800% | 1,659 |
| Net loans and leases to deposits | 95.6087% | 745 |
| Net loans and leases to core deposits | 177.3406% | 72 |
| Total domestic deposits to total assets | 74.8600% | 4,012 |
| Equity capital to assets | 11.5460% | 1,455 |
| Core capital (leverage) ratio | 11.1115% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $520,615,500 | 1,716 |
| Average earning assets | $469,526,750 | 1,746 |
| Average equity | $58,920,500 | 1,509 |
| Average total loans | $368,082,750 | 1,627 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4625% | 664 |
| Cost of funding earning assets | 3.1470% | 358 |
| Net interest margin | 3.3155% | 2,369 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.5364% | 4,245 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 1.2307% | 1,396 |
| Return on assets (ROA) | 1.2307% | 1,402 |
| Pretax return on assets | 1.4916% | 1,299 |
| Return on Equity (ROE) | 10.9500% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.9919% | 882 |
| Net charge-offs to loans | -0.0683% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 42.7278% | 4,281 |
| Assets per employee ($millions) | 13.3016% | 295 |
| Cash dividends to net income (ytd only)* | 8.7658% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,402 |
| Loan loss allowance to noncurrent loans | 122.9807% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 1,170 |
| Noncurrent loans to loans | 0.7924% | 1,179 |
| Net loans and leases to total assets | 71.2800% | 1,751 |
| Net loans and leases to deposits | 94.4477% | 898 |
| Net loans and leases to core deposits | 168.1917% | 106 |
| Total domestic deposits to total assets | 75.4700% | 3,945 |
| Equity capital to assets | 11.4461% | 1,369 |
| Core capital (leverage) ratio | 11.1280% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $513,540,667 | 1,725 |
| Average earning assets | $463,939,000 | 1,758 |
| Average equity | $57,707,000 | 1,515 |
| Average total loans | $360,306,000 | 1,642 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3364% | 714 |
| Cost of funding earning assets | 2.9653% | 452 |
| Net interest margin | 3.3711% | 2,184 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 1.5783% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.3779% | 1,094 |
| Return on assets (ROA) | 1.3779% | 1,103 |
| Pretax return on assets | 1.6519% | 1,017 |
| Return on Equity (ROE) | 12.3800% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.4082% | 843 |
| Net charge-offs to loans | -0.0645% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 43.3834% | 4,258 |
| Assets per employee ($millions) | 12.4425% | 377 |
| Cash dividends to net income (ytd only)* | 7.8409% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 3,732 |
| Loan loss allowance to noncurrent loans | 401.2407% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,548 |
| Noncurrent loans to loans | 0.2220% | 2,535 |
| Net loans and leases to total assets | 70.5300% | 1,745 |
| Net loans and leases to deposits | 94.0962% | 856 |
| Net loans and leases to core deposits | 169.6201% | 126 |
| Total domestic deposits to total assets | 74.9600% | 4,057 |
| Equity capital to assets | 11.3294% | 1,371 |
| Core capital (leverage) ratio | 11.0031% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $510,929,500 | 1,730 |
| Average earning assets | $462,280,000 | 1,765 |
| Average equity | $56,871,500 | 1,522 |
| Average total loans | $353,743,000 | 1,655 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0203% | 29 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7,551.0000% | 38 |
| Cost of funding earning assets | 600.0000% | 11 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2621% | 1,485 |
| Pretax return on assets | 1.4945% | 1,438 |
| Return on Equity (ROE) | 10.7700% | 2,290 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0009% | 2,852 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.1453% | 2,719 |
| Efficiency ratio | 9.1052% | 4,548 |
| Assets per employee ($millions) | 0.0810% | 4,562 |
| Cash dividends to net income (ytd only)* | 57.0000% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0003% | 3,815 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 861.0000% | 35 |
| Total domestic deposits to total assets | 133,271.0000% | 3 |
| Equity capital to assets | 76,938.0000% | 13 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $25,093,000 | 4,499 |
| Average earning assets | $10,315 | 4,549 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9947% | 535 |
| Cost of funding earning assets | 2.2765% | 432 |
| Net interest margin | 3.7182% | 1,740 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7284% | 4,081 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4367% | 1,239 |
| Return on assets (ROA) | 1.4367% | 1,222 |
| Pretax return on assets | 1.7915% | 1,020 |
| Return on Equity (ROE) | 12.0300% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.3403% | 1,311 |
| Net charge-offs to loans | 0.3209% | 276 |
| Credit loss provision to net charge-offs | 40.0000% | 1,934 |
| Earnings coverage of net charge-offs (x) | 8.3107% | 2,202 |
| Efficiency ratio | 47.8715% | 4,055 |
| Assets per employee ($millions) | 11.9369% | 382 |
| Cash dividends to net income (ytd only)* | 14.0185% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 3,856 |
| Loan loss allowance to noncurrent loans | 165.0317% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 1,583 |
| Noncurrent loans to loans | 0.5191% | 1,524 |
| Net loans and leases to total assets | 69.3200% | 1,903 |
| Net loans and leases to deposits | 91.7116% | 1,077 |
| Net loans and leases to core deposits | 155.9546% | 124 |
| Total domestic deposits to total assets | 75.5900% | 4,049 |
| Equity capital to assets | 11.4854% | 1,183 |
| Core capital (leverage) ratio | 11.2625% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $441,560,000 | 1,886 |
| Average earning assets | $403,480,250 | 1,899 |
| Average equity | $52,750,000 | 1,528 |
| Average total loans | $311,664,250 | 1,755 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8414% | 539 |
| Cost of funding earning assets | 2.0363% | 458 |
| Net interest margin | 3.8051% | 1,608 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.7673% | 4,058 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4271% | 1,264 |
| Return on assets (ROA) | 1.4372% | 1,228 |
| Pretax return on assets | 1.7864% | 1,040 |
| Return on Equity (ROE) | 11.8600% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.8927% | 1,209 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.1665% | 4,055 |
| Assets per employee ($millions) | 12.6640% | 325 |
| Cash dividends to net income (ytd only)* | 8.1633% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,341 |
| Loan loss allowance to noncurrent loans | 41.0110% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 182 |
| Noncurrent loans to loans | 2.4884% | 184 |
| Net loans and leases to total assets | 68.5100% | 1,913 |
| Net loans and leases to deposits | 92.2130% | 1,008 |
| Net loans and leases to core deposits | 144.6147% | 174 |
| Total domestic deposits to total assets | 74.3000% | 4,174 |
| Equity capital to assets | 11.7742% | 1,113 |
| Core capital (leverage) ratio | 11.9089% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $429,588,333 | 1,920 |
| Average earning assets | $393,949,333 | 1,931 |
| Average equity | $52,053,333 | 1,545 |
| Average total loans | $304,266,333 | 1,762 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 333 |
| Cost of funding earning assets | 1.9042% | 361 |
| Net interest margin | 4.0361% | 1,199 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.0980% | 3,387 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.2309% | 1,852 |
| Return on assets (ROA) | 1.2309% | 1,821 |
| Pretax return on assets | 1.5235% | 1,618 |
| Return on Equity (ROE) | 10.0000% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.0940% | 1,920 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.9368% | 3,607 |
| Assets per employee ($millions) | 11.3767% | 469 |
| Cash dividends to net income (ytd only)* | 9.0333% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,279 |
| Loan loss allowance to noncurrent loans | 331.6633% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,001 |
| Noncurrent loans to loans | 0.3176% | 2,004 |
| Net loans and leases to total assets | 70.0700% | 1,624 |
| Net loans and leases to deposits | 92.8752% | 860 |
| Net loans and leases to core deposits | 142.0864% | 169 |
| Total domestic deposits to total assets | 75.4400% | 4,195 |
| Equity capital to assets | 12.0543% | 983 |
| Core capital (leverage) ratio | 11.5807% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $410,098,500 | 2,006 |
| Average earning assets | $377,691,000 | 2,007 |
| Average equity | $50,495,000 | 1,602 |
| Average total loans | $294,228,000 | 1,815 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 408 |
| Cost of funding earning assets | 0.9592% | 196 |
| Net interest margin | 3.8719% | 1,024 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.5296% | 4,397 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8554% | 383 |
| Return on assets (ROA) | 1.7589% | 462 |
| Pretax return on assets | 2.1347% | 355 |
| Return on Equity (ROE) | 12.9400% | 1,832 |
| Retained earnings to average equity (ytd only) | 11.7460% | 726 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.0606% | 4,535 |
| Assets per employee ($millions) | 13.9446% | 247 |
| Cash dividends to net income (ytd only)* | 9.2553% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 2,866 |
| Loan loss allowance to noncurrent loans | 293.8045% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 1,783 |
| Noncurrent loans to loans | 0.3766% | 1,794 |
| Net loans and leases to total assets | 72.0400% | 1,417 |
| Net loans and leases to deposits | 98.7425% | 487 |
| Net loans and leases to core deposits | 169.2529% | 55 |
| Total domestic deposits to total assets | 72.9600% | 4,393 |
| Equity capital to assets | 12.6177% | 780 |
| Core capital (leverage) ratio | 14.3718% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $345,848,600 | 2,239 |
| Average earning assets | $324,237,200 | 2,220 |
| Average equity | $46,994,600 | 1,705 |
| Average total loans | $250,799,000 | 1,938 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 351 |
| Cost of funding earning assets | 0.7629% | 187 |
| Net interest margin | 3.9393% | 723 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.3755% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0008% | 285 |
| Return on assets (ROA) | 2.0008% | 287 |
| Pretax return on assets | 2.5197% | 212 |
| Return on Equity (ROE) | 14.4400% | 1,309 |
| Retained earnings to average equity (ytd only) | 13.0238% | 612 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 35.3138% | 4,650 |
| Assets per employee ($millions) | 14.0950% | 235 |
| Cash dividends to net income (ytd only)* | 9.7931% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,923 |
| Loan loss allowance to noncurrent loans | 269.9443% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,723 |
| Noncurrent loans to loans | 0.4146% | 1,777 |
| Net loans and leases to total assets | 72.9600% | 1,183 |
| Net loans and leases to deposits | 100.4297% | 349 |
| Net loans and leases to core deposits | 161.1330% | 45 |
| Total domestic deposits to total assets | 72.6500% | 4,495 |
| Equity capital to assets | 12.9652% | 681 |
| Core capital (leverage) ratio | 14.6019% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $338,184,750 | 2,282 |
| Average earning assets | $317,545,250 | 2,265 |
| Average equity | $46,866,750 | 1,724 |
| Average total loans | $244,933,500 | 1,972 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 314 |
| Cost of funding earning assets | 0.5981% | 276 |
| Net interest margin | 3.9947% | 503 |
| Noninterest income to average assets | 0.1931% | 4,033 |
| Noninterest expense to average assets | 1.2242% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1562% | 173 |
| Return on assets (ROA) | 2.1562% | 171 |
| Pretax return on assets | 2.7266% | 131 |
| Return on Equity (ROE) | 15.2136% | 852 |
| Retained earnings to average equity (ytd only) | 14.6550% | 294 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9853% | 4,712 |
| Assets per employee ($millions) | 13.4364% | 267 |
| Cash dividends to net income (ytd only)* | 3.6718% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,796 |
| Loan loss allowance to noncurrent loans | 259.3583% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 1,661 |
| Noncurrent loans to loans | 0.4550% | 1,755 |
| Net loans and leases to total assets | 72.5472% | 1,053 |
| Net loans and leases to deposits | 101.2485% | 236 |
| Net loans and leases to core deposits | 157.8820% | 41 |
| Total domestic deposits to total assets | 71.6526% | 4,589 |
| Equity capital to assets | 13.7635% | 553 |
| Core capital (leverage) ratio | 14.8167% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,454,667 | 2,311 |
| Average earning assets | $313,666,000 | 2,306 |
| Average equity | $47,260,333 | 1,753 |
| Average total loans | $239,908,333 | 1,997 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 362 |
| Cost of funding earning assets | 0.5509% | 370 |
| Net interest margin | 3.8816% | 526 |
| Noninterest income to average assets | 0.1854% | 4,048 |
| Noninterest expense to average assets | 1.0692% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.3129% | 148 |
| Return on assets (ROA) | 2.3129% | 147 |
| Pretax return on assets | 2.7644% | 124 |
| Return on Equity (ROE) | 16.0841% | 521 |
| Retained earnings to average equity (ytd only) | 15.5315% | 255 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8894% | 4,753 |
| Assets per employee ($millions) | 13.9638% | 246 |
| Cash dividends to net income (ytd only)* | 3.4357% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,727 |
| Loan loss allowance to noncurrent loans | 576.2376% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,740 |
| Noncurrent loans to loans | 0.2128% | 2,757 |
| Net loans and leases to total assets | 69.9500% | 1,030 |
| Net loans and leases to deposits | 99.0326% | 199 |
| Net loans and leases to core deposits | 144.3593% | 49 |
| Total domestic deposits to total assets | 70.6334% | 4,651 |
| Equity capital to assets | 14.1240% | 508 |
| Core capital (leverage) ratio | 14.4716% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,226,500 | 2,331 |
| Average earning assets | $312,242,000 | 2,327 |
| Average equity | $47,774,000 | 1,796 |
| Average total loans | $236,560,500 | 2,007 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 542 |
| Cost of funding earning assets | 0.6094% | 519 |
| Net interest margin | 3.9543% | 784 |
| Noninterest income to average assets | 0.2278% | 4,015 |
| Noninterest expense to average assets | 1.5052% | 4,541 |
| Loan and lease loss provision to assets | 0.1644% | 716 |
| Net operating income to assets | 1.9222% | 391 |
| Return on assets (ROA) | 1.9263% | 413 |
| Pretax return on assets | 2.3086% | 340 |
| Return on Equity (ROE) | 13.4726% | 1,319 |
| Retained earnings to average equity (ytd only) | 8.3641% | 1,403 |
| Net charge-offs to loans | -0.0734% | 4,477 |
| Credit loss provision to net charge-offs | -326.7974% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8837% | 4,724 |
| Assets per employee ($millions) | 13.7251% | 259 |
| Cash dividends to net income (ytd only)* | 37.9181% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,239 |
| Loan loss allowance to noncurrent loans | 3,170.7071% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,822 |
| Noncurrent loans to loans | 0.0419% | 3,773 |
| Net loans and leases to total assets | 70.7213% | 958 |
| Net loans and leases to deposits | 100.1259% | 194 |
| Net loans and leases to core deposits | 154.0799% | 48 |
| Total domestic deposits to total assets | 70.6323% | 4,670 |
| Equity capital to assets | 14.6617% | 547 |
| Core capital (leverage) ratio | 14.7395% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,208,800 | 2,417 |
| Average earning assets | $288,140,600 | 2,389 |
| Average equity | $43,495,600 | 1,964 |
| Average total loans | $208,489,800 | 2,182 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 535 |
| Cost of funding earning assets | 0.6322% | 534 |
| Net interest margin | 4.0037% | 789 |
| Noninterest income to average assets | 0.2063% | 4,169 |
| Noninterest expense to average assets | 1.4107% | 4,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0654% | 414 |
| Return on assets (ROA) | 2.0708% | 437 |
| Pretax return on assets | 2.5976% | 285 |
| Return on Equity (ROE) | 14.5859% | 1,233 |
| Retained earnings to average equity (ytd only) | 14.5859% | 450 |
| Net charge-offs to loans | -0.0761% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2533% | 4,825 |
| Assets per employee ($millions) | 12.6509% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,720 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,935 |
| Noncurrent loans to loans | 0.0491% | 3,868 |
| Net loans and leases to total assets | 67.5659% | 1,369 |
| Net loans and leases to deposits | 98.5142% | 261 |
| Net loans and leases to core deposits | 137.5252% | 89 |
| Total domestic deposits to total assets | 68.5850% | 4,769 |
| Equity capital to assets | 16.3256% | 385 |
| Core capital (leverage) ratio | 15.6908% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,910,250 | 2,468 |
| Average earning assets | $282,395,500 | 2,442 |
| Average equity | $42,295,500 | 2,031 |
| Average total loans | $201,588,000 | 2,261 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 525 |
| Cost of funding earning assets | 0.6530% | 561 |
| Net interest margin | 4.0620% | 745 |
| Noninterest income to average assets | 0.1986% | 4,207 |
| Noninterest expense to average assets | 1.3844% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1283% | 380 |
| Return on assets (ROA) | 2.1364% | 395 |
| Pretax return on assets | 2.6783% | 269 |
| Return on Equity (ROE) | 15.8610% | 980 |
| Retained earnings to average equity (ytd only) | 15.8610% | 345 |
| Net charge-offs to loans | -0.0772% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1614% | 4,870 |
| Assets per employee ($millions) | 12.3675% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,819 |
| Loan loss allowance to noncurrent loans | 2,440.9524% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,015 |
| Noncurrent loans to loans | 0.0500% | 3,927 |
| Net loans and leases to total assets | 69.9142% | 1,205 |
| Net loans and leases to deposits | 99.2558% | 279 |
| Net loans and leases to core deposits | 135.1262% | 101 |
| Total domestic deposits to total assets | 70.4384% | 4,745 |
| Equity capital to assets | 14.0088% | 714 |
| Core capital (leverage) ratio | 13.3004% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,006,333 | 2,472 |
| Average earning assets | $280,844,000 | 2,444 |
| Average equity | $39,871,333 | 2,103 |
| Average total loans | $199,535,333 | 2,279 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 520 |
| Cost of funding earning assets | 0.6797% | 592 |
| Net interest margin | 4.0810% | 744 |
| Noninterest income to average assets | 0.2070% | 4,141 |
| Noninterest expense to average assets | 1.2287% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4090% | 310 |
| Return on assets (ROA) | 2.4263% | 321 |
| Pretax return on assets | 2.8660% | 279 |
| Return on Equity (ROE) | 18.3820% | 677 |
| Retained earnings to average equity (ytd only) | 18.3820% | 342 |
| Net charge-offs to loans | -0.0535% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1561% | 4,908 |
| Assets per employee ($millions) | 12.6430% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,454 |
| Loan loss allowance to noncurrent loans | 2,347.6636% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,110 |
| Noncurrent loans to loans | 0.0552% | 4,010 |
| Net loans and leases to total assets | 65.8069% | 1,818 |
| Net loans and leases to deposits | 93.5759% | 515 |
| Net loans and leases to core deposits | 130.4360% | 139 |
| Total domestic deposits to total assets | 70.3246% | 4,761 |
| Equity capital to assets | 13.6872% | 743 |
| Core capital (leverage) ratio | 12.7679% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,599,000 | 2,463 |
| Average earning assets | $280,126,000 | 2,437 |
| Average equity | $39,016,500 | 2,123 |
| Average total loans | $194,261,500 | 2,320 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 852 |
| Cost of funding earning assets | 0.9229% | 795 |
| Net interest margin | 3.8008% | 1,498 |
| Noninterest income to average assets | 0.2320% | 4,110 |
| Noninterest expense to average assets | 1.4638% | 4,806 |
| Loan and lease loss provision to assets | 0.4986% | 497 |
| Net operating income to assets | 1.5551% | 704 |
| Return on assets (ROA) | 1.5613% | 757 |
| Pretax return on assets | 1.8852% | 571 |
| Return on Equity (ROE) | 11.5157% | 1,468 |
| Retained earnings to average equity (ytd only) | 8.2465% | 983 |
| Net charge-offs to loans | 0.4990% | 318 |
| Credit loss provision to net charge-offs | 146.2622% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.9707% | 2,733 |
| Efficiency ratio | 38.1168% | 4,905 |
| Assets per employee ($millions) | 13.6549% | 231 |
| Cash dividends to net income (ytd only)* | 28.3889% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,530 |
| Loan loss allowance to noncurrent loans | 2,260.0000% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,178 |
| Noncurrent loans to loans | 0.0565% | 4,063 |
| Net loans and leases to total assets | 63.9680% | 2,369 |
| Net loans and leases to deposits | 89.1134% | 995 |
| Net loans and leases to core deposits | 132.4125% | 180 |
| Total domestic deposits to total assets | 71.7827% | 4,718 |
| Equity capital to assets | 12.7267% | 1,216 |
| Core capital (leverage) ratio | 12.4755% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,739,200 | 2,459 |
| Average earning assets | $257,027,400 | 2,426 |
| Average equity | $36,706,400 | 2,144 |
| Average total loans | $184,980,600 | 2,372 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 867 |
| Cost of funding earning assets | 0.9933% | 777 |
| Net interest margin | 3.8178% | 1,571 |
| Noninterest income to average assets | 0.2435% | 4,024 |
| Noninterest expense to average assets | 1.2755% | 4,915 |
| Loan and lease loss provision to assets | 0.3798% | 964 |
| Net operating income to assets | 1.8785% | 387 |
| Return on assets (ROA) | 1.8871% | 419 |
| Pretax return on assets | 2.2299% | 322 |
| Return on Equity (ROE) | 13.6799% | 942 |
| Retained earnings to average equity (ytd only) | 13.6799% | 269 |
| Net charge-offs to loans | 0.7113% | 196 |
| Credit loss provision to net charge-offs | 77.0021% | 2,776 |
| Earnings coverage of net charge-offs (x) | 5.2710% | 2,747 |
| Efficiency ratio | 32.9152% | 4,978 |
| Assets per employee ($millions) | 13.4649% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,653.1532% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,257 |
| Noncurrent loans to loans | 0.0572% | 4,146 |
| Net loans and leases to total assets | 68.0135% | 2,245 |
| Net loans and leases to deposits | 99.8230% | 540 |
| Net loans and leases to core deposits | 140.4327% | 161 |
| Total domestic deposits to total assets | 68.1341% | 4,808 |
| Equity capital to assets | 13.6418% | 959 |
| Core capital (leverage) ratio | 13.2901% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,322,000 | 2,485 |
| Average earning assets | $250,468,500 | 2,445 |
| Average equity | $36,325,000 | 2,148 |
| Average total loans | $182,563,000 | 2,394 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 998 |
| Cost of funding earning assets | 1.0856% | 740 |
| Net interest margin | 3.8014% | 1,833 |
| Noninterest income to average assets | 0.2531% | 3,959 |
| Noninterest expense to average assets | 1.2218% | 4,970 |
| Loan and lease loss provision to assets | 0.2336% | 1,804 |
| Net operating income to assets | 1.9226% | 389 |
| Return on assets (ROA) | 1.9226% | 435 |
| Pretax return on assets | 2.4132% | 246 |
| Return on Equity (ROE) | 13.8804% | 908 |
| Retained earnings to average equity (ytd only) | 13.8804% | 287 |
| Net charge-offs to loans | -0.0011% | 3,764 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5821% | 5,009 |
| Assets per employee ($millions) | 11.9169% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,093 |
| Loan loss allowance to noncurrent loans | 384.3648% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,386 |
| Noncurrent loans to loans | 0.3334% | 3,196 |
| Net loans and leases to total assets | 69.3376% | 2,138 |
| Net loans and leases to deposits | 105.7659% | 322 |
| Net loans and leases to core deposits | 138.5256% | 182 |
| Total domestic deposits to total assets | 65.5576% | 4,890 |
| Equity capital to assets | 14.1438% | 823 |
| Core capital (leverage) ratio | 13.7738% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,841,667 | 2,499 |
| Average earning assets | $244,277,667 | 2,459 |
| Average equity | $35,575,333 | 2,180 |
| Average total loans | $178,700,000 | 2,416 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 1,395 |
| Cost of funding earning assets | 1.2310% | 695 |
| Net interest margin | 3.5770% | 2,743 |
| Noninterest income to average assets | 0.2345% | 4,146 |
| Noninterest expense to average assets | 1.1142% | 5,040 |
| Loan and lease loss provision to assets | 0.2361% | 1,316 |
| Net operating income to assets | 1.7830% | 423 |
| Return on assets (ROA) | 1.7830% | 473 |
| Pretax return on assets | 2.2819% | 245 |
| Return on Equity (ROE) | 13.0146% | 880 |
| Retained earnings to average equity (ytd only) | 13.0146% | 318 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6759% | 5,061 |
| Assets per employee ($millions) | 11.9056% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 2,228 |
| Loan loss allowance to noncurrent loans | 358.6039% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,476 |
| Noncurrent loans to loans | 0.3577% | 3,215 |
| Net loans and leases to total assets | 67.9942% | 2,539 |
| Net loans and leases to deposits | 99.1126% | 618 |
| Net loans and leases to core deposits | 133.8401% | 225 |
| Total domestic deposits to total assets | 68.6029% | 4,906 |
| Equity capital to assets | 14.0958% | 1,028 |
| Core capital (leverage) ratio | 13.4390% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,177,000 | 2,472 |
| Average earning assets | $241,430,000 | 2,434 |
| Average equity | $34,822,500 | 2,211 |
| Average total loans | $175,978,500 | 2,405 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0007% | 1,479 |
| Cost of funding earning assets | 1.3877% | 589 |
| Net interest margin | 3.6130% | 3,096 |
| Noninterest income to average assets | 0.2617% | 4,115 |
| Noninterest expense to average assets | 1.4086% | 5,035 |
| Loan and lease loss provision to assets | 0.2097% | 957 |
| Net operating income to assets | 1.5009% | 1,051 |
| Return on assets (ROA) | 1.5009% | 1,116 |
| Pretax return on assets | 2.0653% | 519 |
| Return on Equity (ROE) | 10.7815% | 1,974 |
| Retained earnings to average equity (ytd only) | 6.8593% | 1,448 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2400% | 5,088 |
| Assets per employee ($millions) | 23.4852% | 49 |
| Cash dividends to net income (ytd only)* | 36.3789% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,720 |
| Loan loss allowance to noncurrent loans | 332.0968% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,480 |
| Noncurrent loans to loans | 0.3449% | 3,211 |
| Net loans and leases to total assets | 68.7830% | 2,571 |
| Net loans and leases to deposits | 97.9284% | 768 |
| Net loans and leases to core deposits | 144.2258% | 152 |
| Total domestic deposits to total assets | 70.2381% | 4,922 |
| Equity capital to assets | 13.3171% | 1,359 |
| Core capital (leverage) ratio | 13.1282% | 1,188 |
| Tier 1 risk-based capital ratio | 14.2529% | 3,141 |
| Total risk-based capital ratio | 15.1476% | 3,228 |
| Memoranda: | ||
| Average total assets | $238,462,200 | 2,531 |
| Average earning assets | $225,849,200 | 2,491 |
| Average equity | $33,195,600 | 2,227 |
| Average total loans | $165,987,800 | 2,455 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 1,389 |
| Cost of funding earning assets | 1.3931% | 589 |
| Net interest margin | 3.6679% | 3,034 |
| Noninterest income to average assets | 0.2575% | 4,198 |
| Noninterest expense to average assets | 1.2859% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8336% | 573 |
| Return on assets (ROA) | 1.8336% | 599 |
| Pretax return on assets | 2.4445% | 280 |
| Return on Equity (ROE) | 13.0153% | 1,275 |
| Retained earnings to average equity (ytd only) | 9.7686% | 808 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4711% | 5,190 |
| Assets per employee ($millions) | 11.6485% | 231 |
| Cash dividends to net income (ytd only)* | 24.9454% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 3,975 |
| Loan loss allowance to noncurrent loans | 986.7089% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,394 |
| Noncurrent loans to loans | 0.0929% | 4,229 |
| Net loans and leases to total assets | 68.8637% | 2,648 |
| Net loans and leases to deposits | 106.0674% | 318 |
| Net loans and leases to core deposits | 139.0875% | 193 |
| Total domestic deposits to total assets | 64.9245% | 5,109 |
| Equity capital to assets | 14.1547% | 1,092 |
| Core capital (leverage) ratio | 13.8425% | 1,027 |
| Tier 1 risk-based capital ratio | 15.7099% | 2,552 |
| Total risk-based capital ratio | 16.4535% | 2,684 |
| Memoranda: | ||
| Average total assets | $233,493,500 | 2,579 |
| Average earning assets | $221,086,000 | 2,548 |
| Average equity | $32,893,750 | 2,262 |
| Average total loans | $162,547,000 | 2,509 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 1,373 |
| Cost of funding earning assets | 1.3650% | 606 |
| Net interest margin | 3.6745% | 3,014 |
| Noninterest income to average assets | 0.2829% | 4,051 |
| Noninterest expense to average assets | 1.3064% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9079% | 472 |
| Return on assets (ROA) | 1.9079% | 494 |
| Pretax return on assets | 2.4606% | 258 |
| Return on Equity (ROE) | 13.5658% | 1,082 |
| Retained earnings to average equity (ytd only) | 8.6086% | 1,163 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6811% | 5,235 |
| Assets per employee ($millions) | 10.7936% | 273 |
| Cash dividends to net income (ytd only)* | 36.5420% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,035 |
| Loan loss allowance to noncurrent loans | 1,237.3016% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,486 |
| Noncurrent loans to loans | 0.0739% | 4,345 |
| Net loans and leases to total assets | 71.1791% | 2,347 |
| Net loans and leases to deposits | 108.7014% | 254 |
| Net loans and leases to core deposits | 143.8216% | 171 |
| Total domestic deposits to total assets | 65.4813% | 5,154 |
| Equity capital to assets | 14.0622% | 1,094 |
| Core capital (leverage) ratio | 13.8316% | 1,014 |
| Tier 1 risk-based capital ratio | 14.7078% | 2,959 |
| Total risk-based capital ratio | 15.4262% | 3,144 |
| Memoranda: | ||
| Average total assets | $229,785,330 | 2,611 |
| Average earning assets | $217,882,000 | 2,580 |
| Average equity | $32,316,670 | 2,284 |
| Average total loans | $160,058,670 | 2,538 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 1,298 |
| Cost of funding earning assets | 1.3236% | 609 |
| Net interest margin | 3.6922% | 2,921 |
| Noninterest income to average assets | 0.2107% | 4,484 |
| Noninterest expense to average assets | 1.4340% | 5,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8128% | 563 |
| Return on assets (ROA) | 1.8128% | 579 |
| Pretax return on assets | 2.2731% | 380 |
| Return on Equity (ROE) | 12.8890% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.8890% | 477 |
| Net charge-offs to loans | -0.0026% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6819% | 5,231 |
| Assets per employee ($millions) | 10.1928% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,675 |
| Loan loss allowance to noncurrent loans | 148.0076% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 2,735 |
| Noncurrent loans to loans | 0.6784% | 2,321 |
| Net loans and leases to total assets | 68.5893% | 2,681 |
| Net loans and leases to deposits | 100.3451% | 608 |
| Net loans and leases to core deposits | 128.8373% | 321 |
| Total domestic deposits to total assets | 68.3534% | 5,163 |
| Equity capital to assets | 14.5374% | 870 |
| Core capital (leverage) ratio | 14.0545% | 935 |
| Tier 1 risk-based capital ratio | 15.8205% | 2,521 |
| Total risk-based capital ratio | 16.6027% | 2,642 |
| Memoranda: | ||
| Average total assets | $225,948,000 | 2,668 |
| Average earning assets | $213,962,000 | 2,634 |
| Average equity | $31,779,000 | 2,311 |
| Average total loans | $154,797,500 | 2,640 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 1,612 |
| Cost of funding earning assets | 1.0660% | 561 |
| Net interest margin | 3.7022% | 3,027 |
| Noninterest income to average assets | 0.1882% | 4,781 |
| Noninterest expense to average assets | 1.3647% | 5,278 |
| Loan and lease loss provision to assets | 0.1168% | 1,885 |
| Net operating income to assets | 1.7147% | 669 |
| Return on assets (ROA) | 1.7154% | 657 |
| Pretax return on assets | 2.2291% | 334 |
| Return on Equity (ROE) | 12.0582% | 1,695 |
| Retained earnings to average equity (ytd only) | 6.1489% | 2,117 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7871% | 5,319 |
| Assets per employee ($millions) | 10.8407% | 277 |
| Cash dividends to net income (ytd only)* | 49.0063% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,612 |
| Loan loss allowance to noncurrent loans | 568.9781% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,222 |
| Noncurrent loans to loans | 0.1777% | 3,958 |
| Net loans and leases to total assets | 67.0623% | 2,993 |
| Net loans and leases to deposits | 96.1023% | 1,063 |
| Net loans and leases to core deposits | 134.1411% | 259 |
| Total domestic deposits to total assets | 69.7822% | 5,161 |
| Equity capital to assets | 13.5991% | 1,107 |
| Core capital (leverage) ratio | 14.2522% | 852 |
| Tier 1 risk-based capital ratio | 14.6211% | 3,009 |
| Total risk-based capital ratio | 15.3679% | 3,172 |
| Memoranda: | ||
| Average total assets | $214,120,600 | 2,739 |
| Average earning assets | $203,661,800 | 2,693 |
| Average equity | $30,460,600 | 2,310 |
| Average total loans | $143,903,000 | 2,724 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,545 |
| Cost of funding earning assets | 1.0116% | 566 |
| Net interest margin | 3.7388% | 2,866 |
| Noninterest income to average assets | 0.1923% | 4,821 |
| Noninterest expense to average assets | 1.3261% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9134% | 468 |
| Return on assets (ROA) | 1.9139% | 467 |
| Pretax return on assets | 2.4327% | 262 |
| Return on Equity (ROE) | 13.2952% | 1,332 |
| Retained earnings to average equity (ytd only) | 13.2952% | 328 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2862% | 5,396 |
| Assets per employee ($millions) | 9.5826% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,296 |
| Loan loss allowance to noncurrent loans | 472.5632% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,304 |
| Noncurrent loans to loans | 0.1886% | 4,038 |
| Net loans and leases to total assets | 69.0396% | 2,794 |
| Net loans and leases to deposits | 105.5001% | 463 |
| Net loans and leases to core deposits | 122.9914% | 490 |
| Total domestic deposits to total assets | 65.4403% | 5,332 |
| Equity capital to assets | 15.1244% | 691 |
| Core capital (leverage) ratio | 15.1105% | 677 |
| Tier 1 risk-based capital ratio | 15.7446% | 2,552 |
| Total risk-based capital ratio | 16.3952% | 2,739 |
| Memoranda: | ||
| Average total assets | $210,737,250 | 2,783 |
| Average earning assets | $200,987,000 | 2,727 |
| Average equity | $30,336,000 | 2,325 |
| Average total loans | $141,321,500 | 2,767 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 1,727 |
| Cost of funding earning assets | 0.9579% | 562 |
| Net interest margin | 3.6615% | 3,073 |
| Noninterest income to average assets | 0.1813% | 4,921 |
| Noninterest expense to average assets | 1.1988% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9972% | 385 |
| Return on assets (ROA) | 1.9980% | 382 |
| Pretax return on assets | 2.4773% | 235 |
| Return on Equity (ROE) | 14.1182% | 1,047 |
| Retained earnings to average equity (ytd only) | 14.1182% | 268 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6188% | 5,479 |
| Assets per employee ($millions) | 9.1276% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,327 |
| Loan loss allowance to noncurrent loans | 469.1756% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,334 |
| Noncurrent loans to loans | 0.1925% | 4,040 |
| Net loans and leases to total assets | 68.4086% | 2,810 |
| Net loans and leases to deposits | 105.9069% | 440 |
| Net loans and leases to core deposits | 139.0898% | 205 |
| Total domestic deposits to total assets | 64.5932% | 5,406 |
| Equity capital to assets | 14.9271% | 698 |
| Core capital (leverage) ratio | 14.9560% | 680 |
| Tier 1 risk-based capital ratio | 15.7669% | 2,531 |
| Total risk-based capital ratio | 16.4379% | 2,709 |
| Memoranda: | ||
| Average total assets | $210,710,330 | 2,805 |
| Average earning assets | $201,063,000 | 2,746 |
| Average equity | $29,819,670 | 2,363 |
| Average total loans | $139,476,330 | 2,802 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 2,013 |
| Cost of funding earning assets | 0.9095% | 568 |
| Net interest margin | 3.5447% | 3,366 |
| Noninterest income to average assets | 0.1743% | 4,981 |
| Noninterest expense to average assets | 1.2146% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8873% | 465 |
| Return on assets (ROA) | 1.8873% | 471 |
| Pretax return on assets | 2.3420% | 296 |
| Return on Equity (ROE) | 13.7091% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.7091% | 432 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1502% | 5,534 |
| Assets per employee ($millions) | 10.0266% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 4,205 |
| Loan loss allowance to noncurrent loans | 592.3077% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,557 |
| Noncurrent loans to loans | 0.1607% | 4,257 |
| Net loans and leases to total assets | 64.6717% | 3,216 |
| Net loans and leases to deposits | 96.8369% | 951 |
| Net loans and leases to core deposits | 126.5904% | 407 |
| Total domestic deposits to total assets | 66.7841% | 5,449 |
| Equity capital to assets | 13.9187% | 912 |
| Core capital (leverage) ratio | 13.3784% | 1,047 |
| Tier 1 risk-based capital ratio | 15.8596% | 2,537 |
| Total risk-based capital ratio | 16.5843% | 2,665 |
| Memoranda: | ||
| Average total assets | $211,098,500 | 2,834 |
| Average earning assets | $201,425,000 | 2,771 |
| Average equity | $29,061,000 | 2,432 |
| Average total loans | $136,753,500 | 2,854 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 1,905 |
| Cost of funding earning assets | 0.8477% | 485 |
| Net interest margin | 3.5954% | 3,186 |
| Noninterest income to average assets | 0.1880% | 5,013 |
| Noninterest expense to average assets | 1.3236% | 5,552 |
| Loan and lease loss provision to assets | 0.0612% | 3,007 |
| Net operating income to assets | 1.6158% | 633 |
| Return on assets (ROA) | 1.6461% | 609 |
| Pretax return on assets | 2.2707% | 282 |
| Return on Equity (ROE) | 12.1037% | 1,178 |
| Retained earnings to average equity (ytd only) | 10.3762% | 304 |
| Net charge-offs to loans | -0.0015% | 4,512 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6296% | 5,572 |
| Assets per employee ($millions) | 10.5819% | 262 |
| Cash dividends to net income (ytd only)* | 14.2730% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 4,154 |
| Loan loss allowance to noncurrent loans | 581.7778% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 4,601 |
| Noncurrent loans to loans | 0.1654% | 4,265 |
| Net loans and leases to total assets | 63.6544% | 3,402 |
| Net loans and leases to deposits | 90.4183% | 1,722 |
| Net loans and leases to core deposits | 120.3755% | 572 |
| Total domestic deposits to total assets | 70.3999% | 5,391 |
| Equity capital to assets | 13.6152% | 1,015 |
| Core capital (leverage) ratio | 13.5492% | 944 |
| Tier 1 risk-based capital ratio | 14.7160% | 2,982 |
| Total risk-based capital ratio | 15.4126% | 3,175 |
| Memoranda: | ||
| Average total assets | $204,299,000 | 2,883 |
| Average earning assets | $194,635,200 | 2,815 |
| Average equity | $27,784,800 | 2,498 |
| Average total loans | $133,928,400 | 2,857 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,761 |
| Cost of funding earning assets | 0.8290% | 495 |
| Net interest margin | 3.6296% | 3,041 |
| Noninterest income to average assets | 0.1890% | 5,068 |
| Noninterest expense to average assets | 1.2229% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7630% | 505 |
| Return on assets (ROA) | 1.8044% | 477 |
| Pretax return on assets | 2.4827% | 212 |
| Return on Equity (ROE) | 13.2714% | 994 |
| Retained earnings to average equity (ytd only) | 13.2714% | 203 |
| Net charge-offs to loans | -0.0010% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5138% | 5,670 |
| Assets per employee ($millions) | 10.2016% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,704 |
| Loan loss allowance to noncurrent loans | 523.4513% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,693 |
| Noncurrent loans to loans | 0.1654% | 4,401 |
| Net loans and leases to total assets | 66.4048% | 3,056 |
| Net loans and leases to deposits | 98.4651% | 870 |
| Net loans and leases to core deposits | 132.3374% | 305 |
| Total domestic deposits to total assets | 67.4399% | 5,554 |
| Equity capital to assets | 14.1875% | 943 |
| Core capital (leverage) ratio | 13.5251% | 1,015 |
| Tier 1 risk-based capital ratio | 14.6391% | 3,112 |
| Total risk-based capital ratio | 15.2661% | 3,349 |
| Memoranda: | ||
| Average total assets | $202,464,250 | 2,929 |
| Average earning assets | $192,999,250 | 2,860 |
| Average equity | $27,527,250 | 2,536 |
| Average total loans | $133,404,000 | 2,887 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 1,796 |
| Cost of funding earning assets | 0.8097% | 502 |
| Net interest margin | 3.5973% | 3,052 |
| Noninterest income to average assets | 0.1872% | 5,116 |
| Noninterest expense to average assets | 1.2271% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7188% | 545 |
| Return on assets (ROA) | 1.7708% | 487 |
| Pretax return on assets | 2.4690% | 226 |
| Return on Equity (ROE) | 13.2180% | 975 |
| Retained earnings to average equity (ytd only) | 13.2180% | 237 |
| Net charge-offs to loans | -0.0015% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8617% | 5,715 |
| Assets per employee ($millions) | 9.7946% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 4,805 |
| Loan loss allowance to noncurrent loans | 516.5939% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,753 |
| Noncurrent loans to loans | 0.1653% | 4,452 |
| Net loans and leases to total assets | 66.7874% | 2,990 |
| Net loans and leases to deposits | 102.4415% | 584 |
| Net loans and leases to core deposits | 134.8341% | 242 |
| Total domestic deposits to total assets | 65.1957% | 5,649 |
| Equity capital to assets | 13.6747% | 1,077 |
| Core capital (leverage) ratio | 13.3047% | 1,054 |
| Tier 1 risk-based capital ratio | 14.1555% | 3,338 |
| Total risk-based capital ratio | 14.7835% | 3,598 |
| Memoranda: | ||
| Average total assets | $201,941,670 | 2,948 |
| Average earning assets | $192,921,670 | 2,869 |
| Average equity | $27,054,000 | 2,561 |
| Average total loans | $132,315,330 | 2,903 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 1,768 |
| Cost of funding earning assets | 0.7796% | 549 |
| Net interest margin | 3.5846% | 2,940 |
| Noninterest income to average assets | 0.2059% | 5,038 |
| Noninterest expense to average assets | 1.1476% | 5,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8168% | 434 |
| Return on assets (ROA) | 1.9233% | 362 |
| Pretax return on assets | 2.6331% | 179 |
| Return on Equity (ROE) | 14.5112% | 724 |
| Retained earnings to average equity (ytd only) | 14.5112% | 267 |
| Net charge-offs to loans | -0.0619% | 5,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5732% | 5,795 |
| Assets per employee ($millions) | 9.8848% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,665 |
| Loan loss allowance to noncurrent loans | 586.3415% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 4,855 |
| Noncurrent loans to loans | 0.1574% | 4,558 |
| Net loans and leases to total assets | 65.2879% | 3,078 |
| Net loans and leases to deposits | 94.3978% | 1,076 |
| Net loans and leases to core deposits | 135.3797% | 209 |
| Total domestic deposits to total assets | 69.1626% | 5,650 |
| Equity capital to assets | 13.6665% | 1,013 |
| Core capital (leverage) ratio | 12.9491% | 1,163 |
| Tier 1 risk-based capital ratio | 15.0192% | 2,955 |
| Total risk-based capital ratio | 15.7178% | 3,148 |
| Memoranda: | ||
| Average total assets | $200,069,000 | 2,996 |
| Average earning assets | $191,375,500 | 2,912 |
| Average equity | $26,517,500 | 2,604 |
| Average total loans | $129,195,000 | 2,975 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,710 |
| Cost of funding earning assets | 0.7105% | 777 |
| Net interest margin | 3.7294% | 2,575 |
| Noninterest income to average assets | 0.2066% | 5,177 |
| Noninterest expense to average assets | 1.3228% | 5,802 |
| Loan and lease loss provision to assets | 0.1062% | 2,278 |
| Net operating income to assets | 1.6882% | 560 |
| Return on assets (ROA) | 1.6664% | 616 |
| Pretax return on assets | 2.3180% | 268 |
| Return on Equity (ROE) | 12.4617% | 1,128 |
| Retained earnings to average equity (ytd only) | 11.6873% | 243 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0204% | 5,833 |
| Assets per employee ($millions) | 11.2468% | 210 |
| Cash dividends to net income (ytd only)* | 6.2141% | 4,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,681 |
| Loan loss allowance to noncurrent loans | 463.9216% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,808 |
| Noncurrent loans to loans | 0.1990% | 4,442 |
| Net loans and leases to total assets | 62.7011% | 3,512 |
| Net loans and leases to deposits | 89.2556% | 1,772 |
| Net loans and leases to core deposits | 137.0082% | 206 |
| Total domestic deposits to total assets | 70.2489% | 5,655 |
| Equity capital to assets | 12.8515% | 1,324 |
| Core capital (leverage) ratio | 12.9162% | 1,165 |
| Tier 1 risk-based capital ratio | 14.0077% | 3,459 |
| Total risk-based capital ratio | 14.6738% | 3,719 |
| Memoranda: | ||
| Average total assets | $188,308,400 | 3,077 |
| Average earning assets | $180,298,000 | 3,014 |
| Average equity | $25,181,200 | 2,700 |
| Average total loans | $122,606,000 | 3,028 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,565 |
| Cost of funding earning assets | 0.7041% | 800 |
| Net interest margin | 3.7886% | 2,371 |
| Noninterest income to average assets | 0.2064% | 5,233 |
| Noninterest expense to average assets | 1.2563% | 5,882 |
| Loan and lease loss provision to assets | 0.0361% | 3,526 |
| Net operating income to assets | 1.8335% | 455 |
| Return on assets (ROA) | 1.8335% | 479 |
| Pretax return on assets | 2.5443% | 206 |
| Return on Equity (ROE) | 13.5667% | 901 |
| Retained earnings to average equity (ytd only) | 13.5667% | 193 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7440% | 5,917 |
| Assets per employee ($millions) | 10.4895% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,179 |
| Loan loss allowance to noncurrent loans | 586.3636% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 5,069 |
| Noncurrent loans to loans | 0.1370% | 4,794 |
| Net loans and leases to total assets | 67.5077% | 2,873 |
| Net loans and leases to deposits | 102.9231% | 509 |
| Net loans and leases to core deposits | 146.6716% | 149 |
| Total domestic deposits to total assets | 65.5905% | 5,827 |
| Equity capital to assets | 13.9351% | 1,063 |
| Core capital (leverage) ratio | 12.9280% | 1,215 |
| Tier 1 risk-based capital ratio | 14.1473% | 3,482 |
| Total risk-based capital ratio | 14.7437% | 3,774 |
| Memoranda: | ||
| Average total assets | $184,774,750 | 3,119 |
| Average earning assets | $177,055,000 | 3,052 |
| Average equity | $24,972,250 | 2,741 |
| Average total loans | $121,228,250 | 3,052 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,720 |
| Cost of funding earning assets | 0.6828% | 873 |
| Net interest margin | 3.7536% | 2,507 |
| Noninterest income to average assets | 0.2017% | 5,288 |
| Noninterest expense to average assets | 1.2801% | 5,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7882% | 483 |
| Return on assets (ROA) | 1.7882% | 511 |
| Pretax return on assets | 2.5241% | 210 |
| Return on Equity (ROE) | 13.3736% | 950 |
| Retained earnings to average equity (ytd only) | 13.3736% | 220 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6486% | 5,990 |
| Assets per employee ($millions) | 9.4568% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 5,369 |
| Loan loss allowance to noncurrent loans | 120.7617% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,785 |
| Noncurrent loans to loans | 0.6310% | 3,190 |
| Net loans and leases to total assets | 67.6823% | 2,828 |
| Net loans and leases to deposits | 102.7400% | 522 |
| Net loans and leases to core deposits | 149.3763% | 126 |
| Total domestic deposits to total assets | 65.8773% | 5,890 |
| Equity capital to assets | 13.4348% | 1,268 |
| Core capital (leverage) ratio | 12.7724% | 1,245 |
| Tier 1 risk-based capital ratio | 13.6293% | 3,818 |
| Total risk-based capital ratio | 14.1976% | 4,142 |
| Memoranda: | ||
| Average total assets | $183,429,330 | 3,150 |
| Average earning assets | $176,043,330 | 3,084 |
| Average equity | $24,526,000 | 2,788 |
| Average total loans | $118,806,330 | 3,099 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 1,724 |
| Cost of funding earning assets | 0.6746% | 917 |
| Net interest margin | 3.7507% | 2,475 |
| Noninterest income to average assets | 0.2193% | 5,165 |
| Noninterest expense to average assets | 1.1563% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9183% | 384 |
| Return on assets (ROA) | 1.9183% | 411 |
| Pretax return on assets | 2.6714% | 185 |
| Return on Equity (ROE) | 14.3830% | 766 |
| Retained earnings to average equity (ytd only) | 14.3830% | 292 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2083% | 6,072 |
| Assets per employee ($millions) | 8.9270% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,277 |
| Loan loss allowance to noncurrent loans | 388.1423% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 5,007 |
| Noncurrent loans to loans | 0.2146% | 4,663 |
| Net loans and leases to total assets | 65.4821% | 3,032 |
| Net loans and leases to deposits | 100.6734% | 585 |
| Net loans and leases to core deposits | 144.6453% | 134 |
| Total domestic deposits to total assets | 65.0441% | 5,983 |
| Equity capital to assets | 13.7802% | 1,060 |
| Core capital (leverage) ratio | 12.8078% | 1,234 |
| Tier 1 risk-based capital ratio | 14.1865% | 3,574 |
| Total risk-based capital ratio | 14.7975% | 3,879 |
| Memoranda: | ||
| Average total assets | $180,576,500 | 3,190 |
| Average earning assets | $173,727,000 | 3,115 |
| Average equity | $24,084,000 | 2,824 |
| Average total loans | $113,712,500 | 3,188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,138 |
| Cost of funding earning assets | 0.6387% | 1,134 |
| Net interest margin | 3.6840% | 2,808 |
| Noninterest income to average assets | 0.2072% | 5,353 |
| Noninterest expense to average assets | 1.3653% | 6,050 |
| Loan and lease loss provision to assets | 0.0576% | 3,162 |
| Net operating income to assets | 1.6837% | 594 |
| Return on assets (ROA) | 1.7060% | 591 |
| Pretax return on assets | 2.3611% | 267 |
| Return on Equity (ROE) | 13.1630% | 1,019 |
| Retained earnings to average equity (ytd only) | 11.6043% | 282 |
| Net charge-offs to loans | 0.0010% | 4,445 |
| Credit loss provision to net charge-offs | 10,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 4,148.0000% | 3 |
| Efficiency ratio | 36.3804% | 6,107 |
| Assets per employee ($millions) | 9.1307% | 368 |
| Cash dividends to net income (ytd only)* | 11.8421% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 5,092 |
| Loan loss allowance to noncurrent loans | 283.2853% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 4,842 |
| Noncurrent loans to loans | 0.3168% | 4,327 |
| Net loans and leases to total assets | 59.4418% | 3,905 |
| Net loans and leases to deposits | 87.9865% | 1,877 |
| Net loans and leases to core deposits | 133.8987% | 218 |
| Total domestic deposits to total assets | 67.5578% | 5,986 |
| Equity capital to assets | 12.9043% | 1,397 |
| Core capital (leverage) ratio | 12.6510% | 1,284 |
| Tier 1 risk-based capital ratio | 14.0250% | 3,701 |
| Total risk-based capital ratio | 14.6534% | 3,997 |
| Memoranda: | ||
| Average total assets | $173,734,800 | 3,247 |
| Average earning assets | $167,208,400 | 3,162 |
| Average equity | $22,517,600 | 2,920 |
| Average total loans | $104,855,200 | 3,304 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,303 |
| Cost of funding earning assets | 0.6396% | 1,152 |
| Net interest margin | 3.6420% | 2,986 |
| Noninterest income to average assets | 0.2192% | 5,346 |
| Noninterest expense to average assets | 1.2469% | 6,163 |
| Loan and lease loss provision to assets | 0.0389% | 3,432 |
| Net operating income to assets | 1.7559% | 568 |
| Return on assets (ROA) | 1.7693% | 571 |
| Pretax return on assets | 2.4580% | 254 |
| Return on Equity (ROE) | 13.6351% | 972 |
| Retained earnings to average equity (ytd only) | 13.6351% | 230 |
| Net charge-offs to loans | 0.0103% | 3,812 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 398.3655% | 192 |
| Efficiency ratio | 33.4725% | 6,205 |
| Assets per employee ($millions) | 8.5173% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 5,400 |
| Loan loss allowance to noncurrent loans | 544.1176% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 5,347 |
| Noncurrent loans to loans | 0.1546% | 5,020 |
| Net loans and leases to total assets | 63.9915% | 3,311 |
| Net loans and leases to deposits | 100.6751% | 631 |
| Net loans and leases to core deposits | 140.1424% | 164 |
| Total domestic deposits to total assets | 63.5624% | 6,136 |
| Equity capital to assets | 13.7162% | 1,136 |
| Core capital (leverage) ratio | 12.6095% | 1,358 |
| Tier 1 risk-based capital ratio | 14.1821% | 3,738 |
| Total risk-based capital ratio | 14.7894% | 4,046 |
| Memoranda: | ||
| Average total assets | $171,515,000 | 3,306 |
| Average earning assets | $165,108,500 | 3,213 |
| Average equity | $22,255,750 | 2,959 |
| Average total loans | $103,686,000 | 3,348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,595 |
| Cost of funding earning assets | 0.6348% | 1,197 |
| Net interest margin | 3.5515% | 3,282 |
| Noninterest income to average assets | 0.1896% | 5,546 |
| Noninterest expense to average assets | 1.2484% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6498% | 685 |
| Return on assets (ROA) | 1.6498% | 714 |
| Pretax return on assets | 2.3583% | 307 |
| Return on Equity (ROE) | 12.9581% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.9581% | 312 |
| Net charge-offs to loans | -0.0079% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6129% | 6,269 |
| Assets per employee ($millions) | 7.9170% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,556 |
| Loan loss allowance to noncurrent loans | 403.1818% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 4,950 |
| Noncurrent loans to loans | 0.2025% | 4,960 |
| Net loans and leases to total assets | 61.8705% | 3,567 |
| Net loans and leases to deposits | 92.1547% | 1,353 |
| Net loans and leases to core deposits | 128.0363% | 308 |
| Total domestic deposits to total assets | 67.1376% | 6,141 |
| Equity capital to assets | 12.9203% | 1,442 |
| Core capital (leverage) ratio | 11.9909% | 1,667 |
| Tier 1 risk-based capital ratio | 13.4044% | 4,274 |
| Total risk-based capital ratio | 13.9776% | 4,587 |
| Memoranda: | ||
| Average total assets | $171,904,670 | 3,315 |
| Average earning assets | $165,394,000 | 3,229 |
| Average equity | $21,886,000 | 3,007 |
| Average total loans | $101,604,000 | 3,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,324 |
| Cost of funding earning assets | 0.6322% | 1,222 |
| Net interest margin | 3.3412% | 4,055 |
| Noninterest income to average assets | 0.1780% | 5,649 |
| Noninterest expense to average assets | 1.1431% | 6,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5928% | 715 |
| Return on assets (ROA) | 1.5928% | 751 |
| Pretax return on assets | 2.2533% | 355 |
| Return on Equity (ROE) | 12.6060% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.6060% | 492 |
| Net charge-offs to loans | -0.0163% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6552% | 6,342 |
| Assets per employee ($millions) | 8.0851% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,415 |
| Loan loss allowance to noncurrent loans | 296.6555% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,247 |
| Noncurrent loans to loans | 0.3066% | 4,689 |
| Net loans and leases to total assets | 56.9068% | 4,098 |
| Net loans and leases to deposits | 87.7288% | 1,641 |
| Net loans and leases to core deposits | 118.4676% | 444 |
| Total domestic deposits to total assets | 64.8668% | 6,260 |
| Equity capital to assets | 12.9556% | 1,426 |
| Core capital (leverage) ratio | 11.8807% | 1,716 |
| Tier 1 risk-based capital ratio | 13.9288% | 4,071 |
| Total risk-based capital ratio | 14.5464% | 4,350 |
| Memoranda: | ||
| Average total assets | $170,769,500 | 3,349 |
| Average earning assets | $164,493,000 | 3,260 |
| Average equity | $21,577,000 | 3,067 |
| Average total loans | $98,081,000 | 3,489 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 2,991 |
| Cost of funding earning assets | 0.6459% | 1,435 |
| Net interest margin | 3.5409% | 3,635 |
| Noninterest income to average assets | 0.3014% | 4,960 |
| Noninterest expense to average assets | 1.4414% | 6,331 |
| Loan and lease loss provision to assets | 0.1088% | 2,342 |
| Net operating income to assets | 1.5277% | 831 |
| Return on assets (ROA) | 1.5675% | 796 |
| Pretax return on assets | 2.1866% | 325 |
| Return on Equity (ROE) | 12.6760% | 1,217 |
| Retained earnings to average equity (ytd only) | 11.3190% | 350 |
| Net charge-offs to loans | 0.0087% | 4,741 |
| Credit loss provision to net charge-offs | 2,187.5000% | 144 |
| Earnings coverage of net charge-offs (x) | 450.5000% | 114 |
| Efficiency ratio | 39.1525% | 6,409 |
| Assets per employee ($millions) | 8.5876% | 418 |
| Cash dividends to net income (ytd only)* | 10.7058% | 4,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 5,491 |
| Loan loss allowance to noncurrent loans | 238.0054% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 5,053 |
| Noncurrent loans to loans | 0.3761% | 4,515 |
| Net loans and leases to total assets | 56.9260% | 4,208 |
| Net loans and leases to deposits | 86.5636% | 1,910 |
| Net loans and leases to core deposits | 107.5340% | 926 |
| Total domestic deposits to total assets | 65.7621% | 6,332 |
| Equity capital to assets | 12.3184% | 1,761 |
| Core capital (leverage) ratio | 11.8595% | 1,729 |
| Tier 1 risk-based capital ratio | 14.7359% | 3,637 |
| Total risk-based capital ratio | 15.4093% | 3,918 |
| Memoranda: | ||
| Average total assets | $160,890,800 | 3,479 |
| Average earning assets | $153,577,000 | 3,385 |
| Average equity | $19,895,800 | 3,172 |
| Average total loans | $92,132,400 | 3,585 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 3,022 |
| Cost of funding earning assets | 0.6457% | 1,484 |
| Net interest margin | 3.5463% | 3,641 |
| Noninterest income to average assets | 0.2841% | 5,171 |
| Noninterest expense to average assets | 1.2408% | 6,473 |
| Loan and lease loss provision to assets | 0.0632% | 3,091 |
| Net operating income to assets | 1.6705% | 653 |
| Return on assets (ROA) | 1.7238% | 611 |
| Pretax return on assets | 2.4344% | 241 |
| Return on Equity (ROE) | 13.9251% | 998 |
| Retained earnings to average equity (ytd only) | 13.9251% | 258 |
| Net charge-offs to loans | -0.0133% | 5,496 |
| Credit loss provision to net charge-offs | -833.3333% | 5,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8702% | 6,523 |
| Assets per employee ($millions) | 7.5652% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,783 |
| Loan loss allowance to noncurrent loans | 214.4772% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 5,275 |
| Noncurrent loans to loans | 0.3884% | 4,751 |
| Net loans and leases to total assets | 59.9427% | 3,794 |
| Net loans and leases to deposits | 93.7267% | 1,064 |
| Net loans and leases to core deposits | 117.2752% | 458 |
| Total domestic deposits to total assets | 63.9548% | 6,435 |
| Equity capital to assets | 13.1781% | 1,342 |
| Core capital (leverage) ratio | 12.1917% | 1,580 |
| Tier 1 risk-based capital ratio | 15.0615% | 3,551 |
| Total risk-based capital ratio | 15.6919% | 3,866 |
| Memoranda: | ||
| Average total assets | $158,175,750 | 3,539 |
| Average earning assets | $150,726,750 | 3,450 |
| Average equity | $19,580,500 | 3,213 |
| Average total loans | $90,502,000 | 3,649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 3,219 |
| Cost of funding earning assets | 0.6448% | 1,550 |
| Net interest margin | 3.4877% | 3,828 |
| Noninterest income to average assets | 0.1975% | 5,778 |
| Noninterest expense to average assets | 1.2384% | 6,543 |
| Loan and lease loss provision to assets | 0.0950% | 2,442 |
| Net operating income to assets | 1.5457% | 799 |
| Return on assets (ROA) | 1.6006% | 732 |
| Pretax return on assets | 2.2565% | 327 |
| Return on Equity (ROE) | 13.2158% | 1,121 |
| Retained earnings to average equity (ytd only) | 13.2158% | 323 |
| Net charge-offs to loans | -0.0203% | 5,554 |
| Credit loss provision to net charge-offs | -833.3333% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2559% | 6,580 |
| Assets per employee ($millions) | 7.8338% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 5,803 |
| Loan loss allowance to noncurrent loans | 231.2139% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 5,108 |
| Noncurrent loans to loans | 0.3775% | 4,862 |
| Net loans and leases to total assets | 57.9834% | 3,998 |
| Net loans and leases to deposits | 87.4874% | 1,661 |
| Net loans and leases to core deposits | 107.9059% | 773 |
| Total domestic deposits to total assets | 66.2763% | 6,474 |
| Equity capital to assets | 12.8118% | 1,482 |
| Core capital (leverage) ratio | 11.7336% | 1,831 |
| Tier 1 risk-based capital ratio | 15.0385% | 3,615 |
| Total risk-based capital ratio | 15.6947% | 3,905 |
| Memoranda: | ||
| Average total assets | $157,944,330 | 3,566 |
| Average earning assets | $150,128,330 | 3,481 |
| Average equity | $19,128,670 | 3,266 |
| Average total loans | $88,659,000 | 3,700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 3,591 |
| Cost of funding earning assets | 0.6446% | 1,622 |
| Net interest margin | 3.3800% | 4,222 |
| Noninterest income to average assets | 0.1614% | 6,006 |
| Noninterest expense to average assets | 1.1502% | 6,646 |
| Loan and lease loss provision to assets | 0.1892% | 1,258 |
| Net operating income to assets | 1.4453% | 906 |
| Return on assets (ROA) | 1.4453% | 938 |
| Pretax return on assets | 2.0230% | 508 |
| Return on Equity (ROE) | 12.2853% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.2853% | 572 |
| Net charge-offs to loans | -0.0413% | 5,720 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2086% | 6,651 |
| Assets per employee ($millions) | 7.7825% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 5,808 |
| Loan loss allowance to noncurrent loans | 255.5911% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,270 |
| Noncurrent loans to loans | 0.3595% | 5,045 |
| Net loans and leases to total assets | 55.4196% | 4,220 |
| Net loans and leases to deposits | 81.2188% | 2,136 |
| Net loans and leases to core deposits | 99.6511% | 1,126 |
| Total domestic deposits to total assets | 68.2349% | 6,510 |
| Equity capital to assets | 12.2693% | 1,704 |
| Core capital (leverage) ratio | 11.2992% | 2,135 |
| Tier 1 risk-based capital ratio | 15.2327% | 3,591 |
| Total risk-based capital ratio | 15.9233% | 3,857 |
| Memoranda: | ||
| Average total assets | $158,578,500 | 3,582 |
| Average earning assets | $150,176,500 | 3,509 |
| Average equity | $18,656,500 | 3,327 |
| Average total loans | $87,165,500 | 3,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 4,492 |
| Cost of funding earning assets | 0.6850% | 1,918 |
| Net interest margin | 3.2063% | 4,979 |
| Noninterest income to average assets | 0.2010% | 5,880 |
| Noninterest expense to average assets | 1.3538% | 6,652 |
| Loan and lease loss provision to assets | 0.1933% | 1,914 |
| Net operating income to assets | 1.2140% | 1,514 |
| Return on assets (ROA) | 1.2339% | 1,502 |
| Pretax return on assets | 1.7159% | 914 |
| Return on Equity (ROE) | 10.8667% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.8667% | 436 |
| Net charge-offs to loans | 0.4309% | 1,545 |
| Credit loss provision to net charge-offs | 85.7143% | 2,880 |
| Earnings coverage of net charge-offs (x) | 8.3429% | 2,689 |
| Efficiency ratio | 41.8443% | 6,655 |
| Assets per employee ($millions) | 8.0754% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 6,127 |
| Loan loss allowance to noncurrent loans | 149.1667% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 5,082 |
| Noncurrent loans to loans | 0.5500% | 4,615 |
| Net loans and leases to total assets | 53.5918% | 4,639 |
| Net loans and leases to deposits | 77.1435% | 2,836 |
| Net loans and leases to core deposits | 94.9849% | 1,529 |
| Total domestic deposits to total assets | 69.4702% | 6,543 |
| Equity capital to assets | 11.2787% | 2,362 |
| Core capital (leverage) ratio | 10.8757% | 2,503 |
| Tier 1 risk-based capital ratio | 14.2844% | 4,093 |
| Total risk-based capital ratio | 14.8975% | 4,498 |
| Memoranda: | ||
| Average total assets | $155,198,400 | 3,624 |
| Average earning assets | $146,867,200 | 3,558 |
| Average equity | $17,622,600 | 3,477 |
| Average total loans | $81,222,200 | 3,899 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,720 |
| Cost of funding earning assets | 0.6884% | 2,028 |
| Net interest margin | 3.1462% | 5,158 |
| Noninterest income to average assets | 0.1996% | 5,984 |
| Noninterest expense to average assets | 1.2689% | 6,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3944% | 1,115 |
| Return on assets (ROA) | 1.3887% | 1,175 |
| Pretax return on assets | 1.9059% | 700 |
| Return on Equity (ROE) | 12.2081% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.2081% | 399 |
| Net charge-offs to loans | -0.2241% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8691% | 6,759 |
| Assets per employee ($millions) | 7.3014% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,448 |
| Loan loss allowance to noncurrent loans | 122.6158% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 4,713 |
| Noncurrent loans to loans | 0.8714% | 4,078 |
| Net loans and leases to total assets | 54.3468% | 4,552 |
| Net loans and leases to deposits | 81.5386% | 2,196 |
| Net loans and leases to core deposits | 101.8480% | 1,000 |
| Total domestic deposits to total assets | 66.6517% | 6,694 |
| Equity capital to assets | 11.6905% | 2,137 |
| Core capital (leverage) ratio | 10.7729% | 2,700 |
| Tier 1 risk-based capital ratio | 14.4034% | 4,146 |
| Total risk-based capital ratio | 15.1955% | 4,420 |
| Memoranda: | ||
| Average total assets | $153,621,000 | 3,680 |
| Average earning assets | $145,651,500 | 3,615 |
| Average equity | $17,474,250 | 3,534 |
| Average total loans | $79,710,000 | 3,979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,949 |
| Cost of funding earning assets | 0.6864% | 2,167 |
| Net interest margin | 3.0760% | 5,347 |
| Noninterest income to average assets | 0.2095% | 5,940 |
| Noninterest expense to average assets | 1.2542% | 6,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3644% | 1,156 |
| Return on assets (ROA) | 1.3492% | 1,285 |
| Pretax return on assets | 1.8553% | 814 |
| Return on Equity (ROE) | 11.9718% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.9718% | 496 |
| Net charge-offs to loans | -0.1586% | 6,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0665% | 6,800 |
| Assets per employee ($millions) | 6.8891% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 5,833 |
| Loan loss allowance to noncurrent loans | 110.5474% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 4,763 |
| Noncurrent loans to loans | 0.9025% | 4,121 |
| Net loans and leases to total assets | 54.2096% | 4,561 |
| Net loans and leases to deposits | 79.7414% | 2,361 |
| Net loans and leases to core deposits | 95.5227% | 1,396 |
| Total domestic deposits to total assets | 67.9817% | 6,717 |
| Equity capital to assets | 11.5373% | 2,262 |
| Core capital (leverage) ratio | 10.4006% | 2,982 |
| Tier 1 risk-based capital ratio | 14.3426% | 4,197 |
| Total risk-based capital ratio | 15.0941% | 4,501 |
| Memoranda: | ||
| Average total assets | $153,718,000 | 3,708 |
| Average earning assets | $145,970,000 | 3,629 |
| Average equity | $17,324,000 | 3,575 |
| Average total loans | $78,203,330 | 4,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 5,327 |
| Cost of funding earning assets | 0.6774% | 2,411 |
| Net interest margin | 2.9665% | 5,662 |
| Noninterest income to average assets | 0.2403% | 5,742 |
| Noninterest expense to average assets | 1.3359% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2606% | 1,372 |
| Return on assets (ROA) | 1.2300% | 1,547 |
| Pretax return on assets | 1.6693% | 1,156 |
| Return on Equity (ROE) | 11.0422% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.0422% | 861 |
| Net charge-offs to loans | -0.2374% | 6,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8507% | 6,780 |
| Assets per employee ($millions) | 6.9556% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,753 |
| Loan loss allowance to noncurrent loans | 179.8226% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 5,403 |
| Noncurrent loans to loans | 0.5893% | 4,963 |
| Net loans and leases to total assets | 49.4795% | 5,051 |
| Net loans and leases to deposits | 72.7994% | 3,085 |
| Net loans and leases to core deposits | 87.0618% | 2,002 |
| Total domestic deposits to total assets | 67.9669% | 6,808 |
| Equity capital to assets | 11.4159% | 2,497 |
| Core capital (leverage) ratio | 9.9194% | 3,503 |
| Tier 1 risk-based capital ratio | 14.8070% | 3,967 |
| Total risk-based capital ratio | 15.5933% | 4,234 |
| Memoranda: | ||
| Average total assets | $154,797,000 | 3,728 |
| Average earning assets | $146,433,500 | 3,656 |
| Average equity | $17,243,000 | 3,622 |
| Average total loans | $75,811,000 | 4,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 5,043 |
| Cost of funding earning assets | 0.7869% | 2,766 |
| Net interest margin | 3.2871% | 5,292 |
| Noninterest income to average assets | 0.2827% | 5,447 |
| Noninterest expense to average assets | 1.4774% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3140% | 1,264 |
| Return on assets (ROA) | 1.3802% | 1,249 |
| Pretax return on assets | 1.9999% | 601 |
| Return on Equity (ROE) | 12.4715% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.4715% | 288 |
| Net charge-offs to loans | 0.0210% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 184.1333% | 226 |
| Efficiency ratio | 43.6901% | 6,856 |
| Assets per employee ($millions) | 7.8286% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 5,897 |
| Loan loss allowance to noncurrent loans | 166.8845% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 4,780 |
| Noncurrent loans to loans | 0.6112% | 4,985 |
| Net loans and leases to total assets | 47.4737% | 5,466 |
| Net loans and leases to deposits | 69.2808% | 3,795 |
| Net loans and leases to core deposits | 82.3948% | 2,726 |
| Total domestic deposits to total assets | 68.5235% | 6,840 |
| Equity capital to assets | 10.8686% | 3,105 |
| Core capital (leverage) ratio | 9.8996% | 3,544 |
| Tier 1 risk-based capital ratio | 14.4752% | 4,053 |
| Total risk-based capital ratio | 15.2247% | 4,364 |
| Memoranda: | ||
| Average total assets | $145,055,200 | 3,857 |
| Average earning assets | $136,747,400 | 3,780 |
| Average equity | $16,052,600 | 3,762 |
| Average total loans | $71,274,200 | 4,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 5,054 |
| Cost of funding earning assets | 0.8094% | 2,868 |
| Net interest margin | 3.3269% | 5,287 |
| Noninterest income to average assets | 0.2551% | 5,742 |
| Noninterest expense to average assets | 1.3241% | 7,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4293% | 1,160 |
| Return on assets (ROA) | 1.5192% | 1,097 |
| Pretax return on assets | 2.2029% | 476 |
| Return on Equity (ROE) | 13.6606% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.6606% | 330 |
| Net charge-offs to loans | 0.0284% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 147.3295% | 299 |
| Efficiency ratio | 38.9840% | 7,032 |
| Assets per employee ($millions) | 6.9019% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,957 |
| Loan loss allowance to noncurrent loans | 234.2508% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 5,013 |
| Noncurrent loans to loans | 0.4415% | 5,566 |
| Net loans and leases to total assets | 50.5699% | 5,244 |
| Net loans and leases to deposits | 74.4175% | 3,223 |
| Net loans and leases to core deposits | 89.3124% | 2,066 |
| Total domestic deposits to total assets | 67.9543% | 6,927 |
| Equity capital to assets | 11.5675% | 2,684 |
| Core capital (leverage) ratio | 9.9497% | 3,614 |
| Tier 1 risk-based capital ratio | 14.4664% | 4,210 |
| Total risk-based capital ratio | 15.2353% | 4,484 |
| Memoranda: | ||
| Average total assets | $142,176,250 | 3,955 |
| Average earning assets | $134,254,500 | 3,868 |
| Average equity | $15,811,500 | 3,846 |
| Average total loans | $70,318,750 | 4,389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2009% | 4,952 |
| Cost of funding earning assets | 0.8222% | 3,011 |
| Net interest margin | 3.3788% | 5,171 |
| Noninterest income to average assets | 0.2577% | 5,732 |
| Noninterest expense to average assets | 1.2927% | 7,108 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4487% | 1,088 |
| Return on assets (ROA) | 1.5957% | 941 |
| Pretax return on assets | 2.3730% | 366 |
| Return on Equity (ROE) | 14.5482% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.5482% | 305 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5103% | 7,102 |
| Assets per employee ($millions) | 6.5610% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,741 |
| Loan loss allowance to noncurrent loans | 307.4803% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 5,200 |
| Noncurrent loans to loans | 0.3607% | 5,823 |
| Net loans and leases to total assets | 48.2396% | 5,591 |
| Net loans and leases to deposits | 69.3395% | 3,989 |
| Net loans and leases to core deposits | 82.0402% | 2,954 |
| Total domestic deposits to total assets | 69.5702% | 6,925 |
| Equity capital to assets | 11.1721% | 2,925 |
| Core capital (leverage) ratio | 9.7470% | 3,781 |
| Tier 1 risk-based capital ratio | 14.9840% | 3,777 |
| Total risk-based capital ratio | 15.8246% | 4,012 |
| Memoranda: | ||
| Average total assets | $141,255,000 | 3,985 |
| Average earning assets | $133,303,670 | 3,900 |
| Average equity | $15,493,330 | 3,892 |
| Average total loans | $69,071,000 | 4,445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 4,668 |
| Cost of funding earning assets | 0.8491% | 3,075 |
| Net interest margin | 3.4693% | 4,829 |
| Noninterest income to average assets | 0.2147% | 6,083 |
| Noninterest expense to average assets | 1.3714% | 7,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6095% | 850 |
| Return on assets (ROA) | 1.5747% | 1,013 |
| Pretax return on assets | 2.0614% | 673 |
| Return on Equity (ROE) | 14.4956% | 1,079 |
| Retained earnings to average equity (ytd only) | 14.4956% | 508 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4239% | 7,115 |
| Assets per employee ($millions) | 7.0672% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,721 |
| Loan loss allowance to noncurrent loans | 289.2593% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,281 |
| Noncurrent loans to loans | 0.3969% | 5,881 |
| Net loans and leases to total assets | 47.5712% | 5,614 |
| Net loans and leases to deposits | 67.8421% | 4,093 |
| Net loans and leases to core deposits | 80.1046% | 3,056 |
| Total domestic deposits to total assets | 70.1204% | 6,975 |
| Equity capital to assets | 10.9619% | 2,950 |
| Core capital (leverage) ratio | 9.5564% | 3,974 |
| Tier 1 risk-based capital ratio | 14.9281% | 3,803 |
| Total risk-based capital ratio | 15.8018% | 4,022 |
| Memoranda: | ||
| Average total assets | $139,711,500 | 4,038 |
| Average earning assets | $131,437,500 | 3,955 |
| Average equity | $15,177,000 | 3,957 |
| Average total loans | $68,401,000 | 4,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 4,268 |
| Cost of funding earning assets | 1.0490% | 3,028 |
| Net interest margin | 3.6469% | 4,534 |
| Noninterest income to average assets | 0.2428% | 5,805 |
| Noninterest expense to average assets | 1.6293% | 7,095 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4115% | 1,006 |
| Return on assets (ROA) | 1.3656% | 1,184 |
| Pretax return on assets | 1.9795% | 554 |
| Return on Equity (ROE) | 12.3814% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.3814% | 268 |
| Net charge-offs to loans | 0.0568% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 70.9167% | 423 |
| Efficiency ratio | 44.3306% | 7,113 |
| Assets per employee ($millions) | 6.9040% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 5,680 |
| Loan loss allowance to noncurrent loans | 485.0932% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 5,522 |
| Noncurrent loans to loans | 0.2341% | 6,273 |
| Net loans and leases to total assets | 49.2479% | 5,690 |
| Net loans and leases to deposits | 71.3734% | 3,888 |
| Net loans and leases to core deposits | 85.5778% | 2,690 |
| Total domestic deposits to total assets | 69.0004% | 7,031 |
| Equity capital to assets | 10.7620% | 3,234 |
| Core capital (leverage) ratio | 10.4427% | 2,799 |
| Tier 1 risk-based capital ratio | 15.4205% | 3,379 |
| Total risk-based capital ratio | 16.3361% | 3,552 |
| Memoranda: | ||
| Average total assets | $124,776,000 | 4,279 |
| Average earning assets | $117,442,800 | 4,199 |
| Average equity | $13,762,600 | 4,173 |
| Average total loans | $63,375,800 | 4,732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 4,130 |
| Cost of funding earning assets | 1.0319% | 3,451 |
| Net interest margin | 3.7410% | 4,151 |
| Noninterest income to average assets | 0.2536% | 5,806 |
| Noninterest expense to average assets | 1.5457% | 7,197 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5356% | 873 |
| Return on assets (ROA) | 1.4886% | 1,045 |
| Pretax return on assets | 2.1660% | 456 |
| Return on Equity (ROE) | 13.4039% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.4039% | 340 |
| Net charge-offs to loans | -0.3181% | 7,308 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8946% | 7,237 |
| Assets per employee ($millions) | 5.9153% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,456 |
| Loan loss allowance to noncurrent loans | 497.4227% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 5,464 |
| Noncurrent loans to loans | 0.2859% | 6,282 |
| Net loans and leases to total assets | 53.8488% | 5,184 |
| Net loans and leases to deposits | 80.5336% | 2,588 |
| Net loans and leases to core deposits | 98.8269% | 1,356 |
| Total domestic deposits to total assets | 66.8650% | 7,175 |
| Equity capital to assets | 11.7821% | 2,422 |
| Core capital (leverage) ratio | 10.4405% | 2,945 |
| Tier 1 risk-based capital ratio | 15.2456% | 3,523 |
| Total risk-based capital ratio | 16.3944% | 3,549 |
| Memoranda: | ||
| Average total assets | $121,450,250 | 4,381 |
| Average earning assets | $114,476,750 | 4,297 |
| Average equity | $13,488,250 | 4,244 |
| Average total loans | $62,024,250 | 4,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 4,442 |
| Cost of funding earning assets | 1.0485% | 3,614 |
| Net interest margin | 3.6731% | 4,390 |
| Noninterest income to average assets | 0.1776% | 6,384 |
| Noninterest expense to average assets | 1.5864% | 7,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2974% | 1,326 |
| Return on assets (ROA) | 1.2528% | 1,507 |
| Pretax return on assets | 1.9863% | 603 |
| Return on Equity (ROE) | 11.5217% | 1,629 |
| Retained earnings to average equity (ytd only) | 11.5217% | 588 |
| Net charge-offs to loans | -0.2630% | 7,330 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5535% | 7,254 |
| Assets per employee ($millions) | 6.1334% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,808 |
| Loan loss allowance to noncurrent loans | 339.7727% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 5,760 |
| Noncurrent loans to loans | 0.3987% | 6,104 |
| Net loans and leases to total assets | 53.2499% | 5,392 |
| Net loans and leases to deposits | 78.7491% | 3,000 |
| Net loans and leases to core deposits | 95.5907% | 1,723 |
| Total domestic deposits to total assets | 67.6197% | 7,211 |
| Equity capital to assets | 11.2239% | 2,746 |
| Core capital (leverage) ratio | 10.0092% | 3,250 |
| Tier 1 risk-based capital ratio | 15.0436% | 3,470 |
| Total risk-based capital ratio | 16.1494% | 3,521 |
| Memoranda: | ||
| Average total assets | $120,526,330 | 4,438 |
| Average earning assets | $113,690,000 | 4,343 |
| Average equity | $13,105,670 | 4,317 |
| Average total loans | $60,080,000 | 4,953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 4,866 |
| Cost of funding earning assets | 1.0649% | 3,748 |
| Net interest margin | 3.5533% | 4,797 |
| Noninterest income to average assets | 0.1775% | 6,456 |
| Noninterest expense to average assets | 1.5705% | 7,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3578% | 1,140 |
| Return on assets (ROA) | 1.3093% | 1,290 |
| Pretax return on assets | 1.8886% | 697 |
| Return on Equity (ROE) | 12.2431% | 1,395 |
| Retained earnings to average equity (ytd only) | 12.2431% | 701 |
| Net charge-offs to loans | -0.1123% | 7,117 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4972% | 7,266 |
| Assets per employee ($millions) | 5.9829% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 4,325 |
| Loan loss allowance to noncurrent loans | 307.3801% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 5,710 |
| Noncurrent loans to loans | 0.4798% | 6,060 |
| Net loans and leases to total assets | 46.5104% | 6,236 |
| Net loans and leases to deposits | 66.6790% | 4,880 |
| Net loans and leases to core deposits | 79.6876% | 3,799 |
| Total domestic deposits to total assets | 69.7527% | 7,194 |
| Equity capital to assets | 10.9471% | 2,739 |
| Core capital (leverage) ratio | 9.7703% | 3,421 |
| Tier 1 risk-based capital ratio | 16.3710% | 2,722 |
| Total risk-based capital ratio | 17.5227% | 2,732 |
| Memoranda: | ||
| Average total assets | $119,456,000 | 4,500 |
| Average earning assets | $112,683,500 | 4,390 |
| Average equity | $12,774,500 | 4,391 |
| Average total loans | $57,011,500 | 5,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 3,952 |
| Cost of funding earning assets | 1.2645% | 4,110 |
| Net interest margin | 3.8669% | 3,657 |
| Noninterest income to average assets | 0.3318% | 5,418 |
| Noninterest expense to average assets | 2.1346% | 6,765 |
| Loan and lease loss provision to assets | 0.4101% | 3,649 |
| Net operating income to assets | 1.1288% | 1,614 |
| Return on assets (ROA) | 1.1202% | 1,724 |
| Pretax return on assets | 1.4246% | 1,578 |
| Return on Equity (ROE) | 10.3704% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.5266% | 601 |
| Net charge-offs to loans | 0.7412% | 2,802 |
| Credit loss provision to net charge-offs | 106.1321% | 4,216 |
| Earnings coverage of net charge-offs (x) | 4.7759% | 2,810 |
| Efficiency ratio | 48.5230% | 7,236 |
| Assets per employee ($millions) | 6.2766% | 1,049 |
| Cash dividends to net income (ytd only)* | 8.1367% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,423 |
| Loan loss allowance to noncurrent loans | 58.5663% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 4,674 |
| Noncurrent loans to loans | 2.4245% | 3,092 |
| Net loans and leases to total assets | 47.5619% | 6,432 |
| Net loans and leases to deposits | 67.7982% | 5,127 |
| Net loans and leases to core deposits | 82.1815% | 3,883 |
| Total domestic deposits to total assets | 70.1522% | 7,228 |
| Equity capital to assets | 10.4398% | 3,231 |
| Core capital (leverage) ratio | 10.1015% | 2,972 |
| Tier 1 risk-based capital ratio | 16.1818% | 2,661 |
| Total risk-based capital ratio | 17.3379% | 2,668 |
| Memoranda: | ||
| Average total assets | $109,717,000 | 4,721 |
| Average earning assets | $103,520,400 | 4,622 |
| Average equity | $11,851,000 | 4,651 |
| Average total loans | $57,207,400 | 5,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 3,388 |
| Cost of funding earning assets | 1.2631% | 4,477 |
| Net interest margin | 4.0291% | 2,961 |
| Noninterest income to average assets | 0.3155% | 5,624 |
| Noninterest expense to average assets | 1.9813% | 7,084 |
| Loan and lease loss provision to assets | 0.4969% | 2,978 |
| Net operating income to assets | 1.2400% | 1,489 |
| Return on assets (ROA) | 1.2410% | 1,567 |
| Pretax return on assets | 1.6385% | 1,252 |
| Return on Equity (ROE) | 11.3831% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.3831% | 542 |
| Net charge-offs to loans | 0.6185% | 2,893 |
| Credit loss provision to net charge-offs | 150.9434% | 2,575 |
| Earnings coverage of net charge-offs (x) | 6.4831% | 2,513 |
| Efficiency ratio | 43.1029% | 7,493 |
| Assets per employee ($millions) | 6.1071% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 3,617 |
| Loan loss allowance to noncurrent loans | 57.2311% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4719% | 4,246 |
| Noncurrent loans to loans | 2.7593% | 2,880 |
| Net loans and leases to total assets | 52.5007% | 6,043 |
| Net loans and leases to deposits | 76.3268% | 4,122 |
| Net loans and leases to core deposits | 94.1930% | 2,501 |
| Total domestic deposits to total assets | 68.7841% | 7,339 |
| Equity capital to assets | 11.3865% | 2,615 |
| Core capital (leverage) ratio | 10.1578% | 3,087 |
| Tier 1 risk-based capital ratio | 16.0219% | 2,749 |
| Total risk-based capital ratio | 17.2440% | 2,717 |
| Memoranda: | ||
| Average total assets | $107,332,500 | 4,852 |
| Average earning assets | $101,227,000 | 4,752 |
| Average equity | $11,701,250 | 4,764 |
| Average total loans | $57,125,000 | 5,271 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 3,032 |
| Cost of funding earning assets | 1.2658% | 4,740 |
| Net interest margin | 4.1204% | 2,467 |
| Noninterest income to average assets | 0.2855% | 5,859 |
| Noninterest expense to average assets | 1.9612% | 7,167 |
| Loan and lease loss provision to assets | 0.5636% | 2,519 |
| Net operating income to assets | 1.1746% | 1,630 |
| Return on assets (ROA) | 1.1759% | 1,690 |
| Pretax return on assets | 1.6456% | 1,179 |
| Return on Equity (ROE) | 10.9543% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.9543% | 669 |
| Net charge-offs to loans | 0.6146% | 2,689 |
| Credit loss provision to net charge-offs | 172.4138% | 2,262 |
| Earnings coverage of net charge-offs (x) | 6.7529% | 2,407 |
| Efficiency ratio | 42.0009% | 7,590 |
| Assets per employee ($millions) | 5.9746% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,632 |
| Loan loss allowance to noncurrent loans | 51.7787% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,964 |
| Noncurrent loans to loans | 3.0085% | 2,672 |
| Net loans and leases to total assets | 53.8850% | 6,003 |
| Net loans and leases to deposits | 78.3296% | 3,909 |
| Net loans and leases to core deposits | 100.6269% | 1,955 |
| Total domestic deposits to total assets | 68.7927% | 7,396 |
| Equity capital to assets | 11.0915% | 2,774 |
| Core capital (leverage) ratio | 10.2038% | 2,937 |
| Tier 1 risk-based capital ratio | 15.5453% | 2,869 |
| Total risk-based capital ratio | 16.7967% | 2,840 |
| Memoranda: | ||
| Average total assets | $106,467,330 | 4,901 |
| Average earning assets | $100,330,000 | 4,798 |
| Average equity | $11,429,330 | 4,821 |
| Average total loans | $56,620,330 | 5,327 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 2,681 |
| Cost of funding earning assets | 1.2679% | 5,016 |
| Net interest margin | 4.2131% | 1,988 |
| Noninterest income to average assets | 0.3285% | 5,517 |
| Noninterest expense to average assets | 1.9787% | 7,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7870% | 511 |
| Return on assets (ROA) | 1.7899% | 556 |
| Pretax return on assets | 2.3185% | 337 |
| Return on Equity (ROE) | 16.9589% | 611 |
| Retained earnings to average equity (ytd only) | 16.9589% | 289 |
| Net charge-offs to loans | 0.0937% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 47.1538% | 599 |
| Efficiency ratio | 41.1609% | 7,701 |
| Assets per employee ($millions) | 5.2031% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,460 |
| Loan loss allowance to noncurrent loans | 27.5398% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.8858% | 2,490 |
| Noncurrent loans to loans | 5.0530% | 1,430 |
| Net loans and leases to total assets | 52.9771% | 6,153 |
| Net loans and leases to deposits | 73.8104% | 4,771 |
| Net loans and leases to core deposits | 94.1089% | 2,829 |
| Total domestic deposits to total assets | 71.7745% | 7,282 |
| Equity capital to assets | 11.0847% | 2,691 |
| Core capital (leverage) ratio | 10.0846% | 3,061 |
| Tier 1 risk-based capital ratio | 16.0291% | 2,645 |
| Total risk-based capital ratio | 17.2041% | 2,621 |
| Memoranda: | ||
| Average total assets | $105,930,000 | 4,979 |
| Average earning assets | $99,690,000 | 4,884 |
| Average equity | $11,180,000 | 4,927 |
| Average total loans | $55,497,500 | 5,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9085% | 2,195 |
| Cost of funding earning assets | 1.5545% | 5,260 |
| Net interest margin | 4.3540% | 1,559 |
| Noninterest income to average assets | 0.2110% | 6,598 |
| Noninterest expense to average assets | 2.1104% | 7,165 |
| Loan and lease loss provision to assets | 0.7573% | 2,841 |
| Net operating income to assets | 1.0807% | 1,567 |
| Return on assets (ROA) | 1.0814% | 1,612 |
| Pretax return on assets | 1.4086% | 1,415 |
| Return on Equity (ROE) | 10.4641% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.5330% | 817 |
| Net charge-offs to loans | 1.2002% | 2,053 |
| Credit loss provision to net charge-offs | 107.6040% | 5,149 |
| Earnings coverage of net charge-offs (x) | 3.0760% | 3,529 |
| Efficiency ratio | 44.0954% | 7,771 |
| Assets per employee ($millions) | 5.3899% | 1,754 |
| Cash dividends to net income (ytd only)* | 28.0112% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,050 |
| Loan loss allowance to noncurrent loans | 27.3041% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 2.9008% | 2,417 |
| Noncurrent loans to loans | 5.2589% | 1,251 |
| Net loans and leases to total assets | 50.3692% | 6,595 |
| Net loans and leases to deposits | 67.7569% | 5,864 |
| Net loans and leases to core deposits | 85.5893% | 5,560 |
| Total domestic deposits to total assets | 74.3381% | 6,971 |
| Equity capital to assets | 10.0419% | 3,702 |
| Core capital (leverage) ratio | 9.8625% | 3,255 |
| Tier 1 risk-based capital ratio | 15.3908% | 2,760 |
| Total risk-based capital ratio | 16.5982% | 2,738 |
| Memoranda: | ||
| Average total assets | $99,034,000 | 5,110 |
| Average earning assets | $92,443,200 | 5,045 |
| Average equity | $10,235,000 | 5,229 |
| Average total loans | $58,071,800 | 5,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,736 |
| Cost of funding earning assets | 1.6290% | 5,263 |
| Net interest margin | 4.4474% | 1,323 |
| Noninterest income to average assets | 0.1996% | 6,789 |
| Noninterest expense to average assets | 2.0349% | 7,323 |
| Loan and lease loss provision to assets | 0.8949% | 2,152 |
| Net operating income to assets | 0.9734% | 2,152 |
| Return on assets (ROA) | 0.9734% | 2,209 |
| Pretax return on assets | 1.4194% | 1,645 |
| Return on Equity (ROE) | 9.3446% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.3621% | 1,368 |
| Net charge-offs to loans | 1.5732% | 1,302 |
| Credit loss provision to net charge-offs | 93.6599% | 5,389 |
| Earnings coverage of net charge-offs (x) | 2.4222% | 4,020 |
| Efficiency ratio | 41.5005% | 7,895 |
| Assets per employee ($millions) | 4.9579% | 2,201 |
| Cash dividends to net income (ytd only)* | 21.2170% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,373 |
| Loan loss allowance to noncurrent loans | 22.2579% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 3.3613% | 1,997 |
| Noncurrent loans to loans | 5.2005% | 1,237 |
| Net loans and leases to total assets | 59.7658% | 5,618 |
| Net loans and leases to deposits | 84.8333% | 3,518 |
| Net loans and leases to core deposits | 113.7816% | 2,852 |
| Total domestic deposits to total assets | 70.4509% | 7,384 |
| Equity capital to assets | 10.8152% | 3,197 |
| Core capital (leverage) ratio | 10.1065% | 3,169 |
| Tier 1 risk-based capital ratio | 14.5335% | 3,258 |
| Total risk-based capital ratio | 15.5613% | 3,324 |
| Memoranda: | ||
| Average total assets | $96,843,000 | 5,219 |
| Average earning assets | $90,357,750 | 5,149 |
| Average equity | $10,087,500 | 5,312 |
| Average total loans | $58,817,750 | 5,346 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2346% | 1,373 |
| Cost of funding earning assets | 1.6949% | 5,294 |
| Net interest margin | 4.5398% | 1,077 |
| Noninterest income to average assets | 0.1915% | 6,924 |
| Noninterest expense to average assets | 2.0630% | 7,350 |
| Loan and lease loss provision to assets | 0.8327% | 2,012 |
| Net operating income to assets | 0.8868% | 2,508 |
| Return on assets (ROA) | 0.8868% | 2,617 |
| Pretax return on assets | 1.5114% | 1,416 |
| Return on Equity (ROE) | 8.6276% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,205 |
| Net charge-offs to loans | -0.0411% | 7,820 |
| Credit loss provision to net charge-offs | -3,333.3333% | 7,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5210% | 7,989 |
| Assets per employee ($millions) | 4.5521% | 2,692 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 1,697 |
| Loan loss allowance to noncurrent loans | 46.1662% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.7763% | 2,318 |
| Noncurrent loans to loans | 4.2012% | 1,574 |
| Net loans and leases to total assets | 60.8222% | 5,549 |
| Net loans and leases to deposits | 85.2637% | 3,688 |
| Net loans and leases to core deposits | 110.6011% | 3,319 |
| Total domestic deposits to total assets | 71.3343% | 7,322 |
| Equity capital to assets | 10.3959% | 3,522 |
| Core capital (leverage) ratio | 9.8844% | 3,412 |
| Tier 1 risk-based capital ratio | 14.5384% | 3,224 |
| Total risk-based capital ratio | 15.7382% | 3,192 |
| Memoranda: | ||
| Average total assets | $96,071,670 | 5,280 |
| Average earning assets | $89,211,330 | 5,227 |
| Average equity | $9,875,330 | 5,396 |
| Average total loans | $58,438,330 | 5,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1890% | 1,634 |
| Cost of funding earning assets | 1.7324% | 5,464 |
| Net interest margin | 4.4566% | 1,219 |
| Noninterest income to average assets | 0.2035% | 6,836 |
| Noninterest expense to average assets | 1.8233% | 7,671 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9230% | 405 |
| Return on assets (ROA) | 1.9230% | 457 |
| Pretax return on assets | 2.5044% | 260 |
| Return on Equity (ROE) | 18.8135% | 520 |
| Retained earnings to average equity (ytd only) | 12.7184% | 680 |
| Net charge-offs to loans | -0.0621% | 7,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1305% | 7,995 |
| Assets per employee ($millions) | 5.0346% | 2,035 |
| Cash dividends to net income (ytd only)* | 32.3974% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,151 |
| Loan loss allowance to noncurrent loans | 39.7764% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 2,699 |
| Noncurrent loans to loans | 3.2348% | 1,993 |
| Net loans and leases to total assets | 59.9114% | 5,668 |
| Net loans and leases to deposits | 84.6854% | 3,869 |
| Net loans and leases to core deposits | 99.4534% | 4,590 |
| Total domestic deposits to total assets | 70.7458% | 7,356 |
| Equity capital to assets | 10.4435% | 3,518 |
| Core capital (leverage) ratio | 9.9059% | 3,512 |
| Tier 1 risk-based capital ratio | 14.4038% | 3,361 |
| Total risk-based capital ratio | 15.5415% | 3,358 |
| Memoranda: | ||
| Average total assets | $96,310,000 | 5,294 |
| Average earning assets | $89,126,500 | 5,253 |
| Average equity | $9,844,000 | 5,437 |
| Average total loans | $58,011,000 | 5,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3929% | 3,456 |
| Cost of funding earning assets | 2.4326% | 4,557 |
| Net interest margin | 3.9603% | 3,308 |
| Noninterest income to average assets | 0.2251% | 6,830 |
| Noninterest expense to average assets | 2.0758% | 7,287 |
| Loan and lease loss provision to assets | 0.2582% | 4,335 |
| Net operating income to assets | 1.1871% | 1,816 |
| Return on assets (ROA) | 1.1887% | 1,737 |
| Pretax return on assets | 1.5718% | 1,469 |
| Return on Equity (ROE) | 11.5853% | 1,721 |
| Retained earnings to average equity (ytd only) | 4.8314% | 2,126 |
| Net charge-offs to loans | 0.2071% | 4,133 |
| Credit loss provision to net charge-offs | 211.8644% | 2,280 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,976 |
| Efficiency ratio | 47.2751% | 7,862 |
| Assets per employee ($millions) | 4.6172% | 2,454 |
| Cash dividends to net income (ytd only)* | 58.2971% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 3,971 |
| Loan loss allowance to noncurrent loans | 37.8268% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 2.1802% | 2,245 |
| Noncurrent loans to loans | 3.3658% | 1,534 |
| Net loans and leases to total assets | 59.0200% | 6,048 |
| Net loans and leases to deposits | 84.3844% | 4,366 |
| Net loans and leases to core deposits | 95.9975% | 5,257 |
| Total domestic deposits to total assets | 69.9418% | 7,282 |
| Equity capital to assets | 10.0019% | 4,036 |
| Core capital (leverage) ratio | 9.5489% | 3,948 |
| Tier 1 risk-based capital ratio | 13.9522% | 3,567 |
| Total risk-based capital ratio | 15.0850% | 3,552 |
| Memoranda: | ||
| Average total assets | $96,830,200 | 5,145 |
| Average earning assets | $89,943,800 | 5,084 |
| Average equity | $9,935,000 | 5,432 |
| Average total loans | $56,984,000 | 5,408 |