Home > Farmers & Merchants Bank & Trust > Performance and Condition Ratios
Farmers & Merchants Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 3,329 |
| Cost of funding earning assets | 1.0308% | 3,228 |
| Net interest margin | 3.3398% | 2,534 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.9627% | 1,176 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1995% | 4,166 |
| Return on assets (ROA) | 0.0534% | 4,314 |
| Pretax return on assets | 0.3276% | 4,066 |
| Return on Equity (ROE) | 0.7000% | 4,286 |
| Retained earnings to average equity (ytd only) | -0.4899% | 4,139 |
| Net charge-offs to loans | -0.0149% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.0427% | 610 |
| Assets per employee ($millions) | 4.2639% | 4,054 |
| Cash dividends to net income (ytd only)* | 170.4545% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,508 |
| Loan loss allowance to noncurrent loans | 150.0588% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 1,097 |
| Noncurrent loans to loans | 0.7721% | 1,010 |
| Net loans and leases to total assets | 65.5100% | 2,311 |
| Net loans and leases to deposits | 76.6306% | 2,388 |
| Net loans and leases to core deposits | 79.8059% | 2,713 |
| Total domestic deposits to total assets | 85.4900% | 2,164 |
| Equity capital to assets | 8.0329% | 3,391 |
| Core capital (leverage) ratio | 10.9666% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4207% | 1,008 |
| Memoranda: | ||
| Average total assets | $164,848,000 | 3,234 |
| Average earning assets | $156,088,000 | 3,199 |
| Average equity | $12,655,600 | 3,469 |
| Average total loans | $107,094,800 | 3,106 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 3,341 |
| Cost of funding earning assets | 0.9347% | 3,192 |
| Net interest margin | 3.3366% | 2,605 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.9392% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4401% | 3,892 |
| Return on assets (ROA) | 0.2448% | 4,194 |
| Pretax return on assets | 0.3210% | 4,146 |
| Return on Equity (ROE) | 3.2300% | 4,078 |
| Retained earnings to average equity (ytd only) | 1.6239% | 3,810 |
| Net charge-offs to loans | -0.0213% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7994% | 625 |
| Assets per employee ($millions) | 4.5776% | 3,894 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 2,605 |
| Loan loss allowance to noncurrent loans | 123.4375% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 936 |
| Noncurrent loans to loans | 0.9335% | 881 |
| Net loans and leases to total assets | 65.8000% | 2,264 |
| Net loans and leases to deposits | 77.3229% | 2,301 |
| Net loans and leases to core deposits | 80.7226% | 2,545 |
| Total domestic deposits to total assets | 85.1000% | 2,470 |
| Equity capital to assets | 7.2582% | 3,484 |
| Core capital (leverage) ratio | 10.6456% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0292% | 1,095 |
| Memoranda: | ||
| Average total assets | $164,487,250 | 3,244 |
| Average earning assets | $155,765,750 | 3,212 |
| Average equity | $12,480,000 | 3,480 |
| Average total loans | $106,315,500 | 3,111 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,430 |
| Cost of funding earning assets | 0.7931% | 3,223 |
| Net interest margin | 3.3355% | 2,672 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.9626% | 1,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4665% | 3,881 |
| Return on assets (ROA) | 0.2348% | 4,264 |
| Pretax return on assets | 0.3102% | 4,219 |
| Return on Equity (ROE) | 3.0500% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.8652% | 3,752 |
| Net charge-offs to loans | -0.0209% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.0774% | 653 |
| Assets per employee ($millions) | 4.1299% | 4,130 |
| Cash dividends to net income (ytd only)* | 38.8601% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,573 |
| Loan loss allowance to noncurrent loans | 140.4018% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 1,002 |
| Noncurrent loans to loans | 0.8355% | 915 |
| Net loans and leases to total assets | 64.1500% | 2,364 |
| Net loans and leases to deposits | 76.7780% | 2,233 |
| Net loans and leases to core deposits | 80.2567% | 2,452 |
| Total domestic deposits to total assets | 83.5600% | 2,919 |
| Equity capital to assets | 7.6661% | 3,427 |
| Core capital (leverage) ratio | 10.8553% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1191% | 1,104 |
| Memoranda: | ||
| Average total assets | $164,385,000 | 3,250 |
| Average earning assets | $155,841,000 | 3,224 |
| Average equity | $12,653,000 | 3,470 |
| Average total loans | $105,188,333 | 3,118 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,308 |
| Cost of funding earning assets | 0.7004% | 3,053 |
| Net interest margin | 3.3733% | 2,701 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.0126% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5504% | 3,794 |
| Return on assets (ROA) | 0.4000% | 4,039 |
| Pretax return on assets | 0.5367% | 3,938 |
| Return on Equity (ROE) | 5.1900% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.1868% | 2,977 |
| Net charge-offs to loans | -0.0230% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.5610% | 789 |
| Assets per employee ($millions) | 4.1694% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,558 |
| Loan loss allowance to noncurrent loans | 292.7570% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 1,824 |
| Noncurrent loans to loans | 0.4096% | 1,705 |
| Net loans and leases to total assets | 63.5000% | 2,296 |
| Net loans and leases to deposits | 71.7558% | 2,488 |
| Net loans and leases to core deposits | 74.8375% | 2,615 |
| Total domestic deposits to total assets | 88.4900% | 1,744 |
| Equity capital to assets | 8.0875% | 3,178 |
| Core capital (leverage) ratio | 10.7499% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5695% | 1,058 |
| Memoranda: | ||
| Average total assets | $163,980,000 | 3,301 |
| Average earning assets | $155,339,500 | 3,264 |
| Average equity | $12,647,500 | 3,508 |
| Average total loans | $104,164,000 | 3,160 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 2,749 |
| Cost of funding earning assets | 0.2294% | 3,524 |
| Net interest margin | 3.3889% | 2,295 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.8718% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5331% | 4,028 |
| Return on assets (ROA) | 0.5331% | 3,984 |
| Pretax return on assets | 0.7207% | 3,810 |
| Return on Equity (ROE) | 6.6000% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.6034% | 2,410 |
| Net charge-offs to loans | 0.0010% | 2,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,237.0000% | 143 |
| Efficiency ratio | 79.9384% | 719 |
| Assets per employee ($millions) | 4.2398% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,375 |
| Loan loss allowance to noncurrent loans | 320.5656% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 1,969 |
| Noncurrent loans to loans | 0.3747% | 1,799 |
| Net loans and leases to total assets | 62.0400% | 2,435 |
| Net loans and leases to deposits | 70.1407% | 2,570 |
| Net loans and leases to core deposits | 71.9875% | 2,727 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 7.3443% | 3,465 |
| Core capital (leverage) ratio | 10.6296% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6963% | 1,025 |
| Memoranda: | ||
| Average total assets | $171,634,400 | 3,258 |
| Average earning assets | $163,062,800 | 3,220 |
| Average equity | $13,856,400 | 3,486 |
| Average total loans | $101,402,400 | 3,133 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 2,574 |
| Cost of funding earning assets | 0.1812% | 3,506 |
| Net interest margin | 3.3333% | 2,191 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7797% | 1,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5943% | 3,849 |
| Return on assets (ROA) | 0.5943% | 3,807 |
| Pretax return on assets | 0.8037% | 3,567 |
| Return on Equity (ROE) | 7.2100% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.2058% | 2,298 |
| Net charge-offs to loans | 0.0066% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 208.8000% | 607 |
| Efficiency ratio | 77.5725% | 950 |
| Assets per employee ($millions) | 4.1320% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,359 |
| Loan loss allowance to noncurrent loans | 316.2850% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 2,036 |
| Noncurrent loans to loans | 0.3898% | 1,838 |
| Net loans and leases to total assets | 60.2500% | 2,477 |
| Net loans and leases to deposits | 66.5184% | 2,675 |
| Net loans and leases to core deposits | 68.8833% | 2,731 |
| Total domestic deposits to total assets | 90.5800% | 1,411 |
| Equity capital to assets | 7.0451% | 3,490 |
| Core capital (leverage) ratio | 10.4108% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7355% | 1,041 |
| Memoranda: | ||
| Average total assets | $173,205,000 | 3,269 |
| Average earning assets | $164,838,750 | 3,229 |
| Average equity | $14,284,500 | 3,478 |
| Average total loans | $100,796,250 | 3,145 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 2,380 |
| Cost of funding earning assets | 0.1505% | 3,569 |
| Net interest margin | 3.2661% | 2,009 |
| Noninterest income to average assets | 0.4811% | 2,306 |
| Noninterest expense to average assets | 2.7376% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6301% | 3,544 |
| Return on assets (ROA) | 0.6301% | 3,490 |
| Pretax return on assets | 0.8530% | 3,196 |
| Return on Equity (ROE) | 7.3065% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.3065% | 1,880 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2433% | 1,252 |
| Assets per employee ($millions) | 3.9497% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,589 |
| Loan loss allowance to noncurrent loans | 94.6171% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 670 |
| Noncurrent loans to loans | 1.2894% | 612 |
| Net loans and leases to total assets | 59.4979% | 2,381 |
| Net loans and leases to deposits | 66.4283% | 2,511 |
| Net loans and leases to core deposits | 68.5503% | 2,604 |
| Total domestic deposits to total assets | 89.5671% | 1,911 |
| Equity capital to assets | 7.9499% | 3,160 |
| Core capital (leverage) ratio | 10.2725% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4492% | 1,088 |
| Memoranda: | ||
| Average total assets | $175,847,000 | 3,279 |
| Average earning assets | $167,418,667 | 3,244 |
| Average equity | $15,164,667 | 3,475 |
| Average total loans | $100,784,667 | 3,177 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 2,458 |
| Cost of funding earning assets | 0.1547% | 3,434 |
| Net interest margin | 3.1207% | 2,107 |
| Noninterest income to average assets | 0.6665% | 1,427 |
| Noninterest expense to average assets | 2.6816% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7090% | 3,025 |
| Return on assets (ROA) | 0.7090% | 3,009 |
| Pretax return on assets | 0.9617% | 2,572 |
| Return on Equity (ROE) | 7.9270% | 2,717 |
| Retained earnings to average equity (ytd only) | 7.9270% | 1,606 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6034% | 1,788 |
| Assets per employee ($millions) | 4.2148% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,657 |
| Loan loss allowance to noncurrent loans | 87.7020% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 664 |
| Noncurrent loans to loans | 1.4119% | 603 |
| Net loans and leases to total assets | 57.6019% | 2,341 |
| Net loans and leases to deposits | 65.1932% | 2,413 |
| Net loans and leases to core deposits | 67.2674% | 2,516 |
| Total domestic deposits to total assets | 88.3557% | 2,354 |
| Equity capital to assets | 8.5235% | 3,137 |
| Core capital (leverage) ratio | 9.9241% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2068% | 1,209 |
| Memoranda: | ||
| Average total assets | $178,851,500 | 3,264 |
| Average earning assets | $170,605,000 | 3,222 |
| Average equity | $15,996,000 | 3,475 |
| Average total loans | $100,028,000 | 3,190 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 2,212 |
| Cost of funding earning assets | 0.2521% | 2,900 |
| Net interest margin | 3.4102% | 1,995 |
| Noninterest income to average assets | 0.3658% | 3,241 |
| Noninterest expense to average assets | 2.7554% | 1,471 |
| Loan and lease loss provision to assets | 0.0142% | 2,800 |
| Net operating income to assets | 0.6421% | 3,768 |
| Return on assets (ROA) | 0.6700% | 3,748 |
| Pretax return on assets | 0.9065% | 3,497 |
| Return on Equity (ROE) | 6.6299% | 3,613 |
| Retained earnings to average equity (ytd only) | 1.5560% | 4,103 |
| Net charge-offs to loans | 0.0460% | 1,366 |
| Credit loss provision to net charge-offs | 54.3478% | 2,109 |
| Earnings coverage of net charge-offs (x) | 33.7826% | 1,530 |
| Efficiency ratio | 75.6808% | 1,132 |
| Assets per employee ($millions) | 4.7410% | 3,933 |
| Cash dividends to net income (ytd only)* | 76.5306% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,586 |
| Loan loss allowance to noncurrent loans | 87.7637% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 779 |
| Noncurrent loans to loans | 1.4325% | 647 |
| Net loans and leases to total assets | 53.0136% | 2,963 |
| Net loans and leases to deposits | 61.1832% | 2,973 |
| Net loans and leases to core deposits | 63.2283% | 3,051 |
| Total domestic deposits to total assets | 86.6472% | 2,645 |
| Equity capital to assets | 9.3365% | 3,281 |
| Core capital (leverage) ratio | 9.9922% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5229% | 1,380 |
| Memoranda: | ||
| Average total assets | $175,510,800 | 3,245 |
| Average earning assets | $168,550,800 | 3,200 |
| Average equity | $17,737,800 | 3,411 |
| Average total loans | $100,051,200 | 3,199 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 2,133 |
| Cost of funding earning assets | 0.2789% | 2,814 |
| Net interest margin | 3.4755% | 1,940 |
| Noninterest income to average assets | 0.4096% | 3,035 |
| Noninterest expense to average assets | 2.7434% | 1,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7455% | 3,663 |
| Return on assets (ROA) | 0.7838% | 3,633 |
| Pretax return on assets | 1.0633% | 3,290 |
| Return on Equity (ROE) | 7.6012% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.2411% | 3,495 |
| Net charge-offs to loans | 0.0466% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 37.6571% | 1,407 |
| Efficiency ratio | 72.9973% | 1,306 |
| Assets per employee ($millions) | 4.6065% | 4,041 |
| Cash dividends to net income (ytd only)* | 44.2043% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,734 |
| Loan loss allowance to noncurrent loans | 74.8180% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 687 |
| Noncurrent loans to loans | 1.6706% | 606 |
| Net loans and leases to total assets | 57.1565% | 2,594 |
| Net loans and leases to deposits | 67.6014% | 2,474 |
| Net loans and leases to core deposits | 70.4486% | 2,554 |
| Total domestic deposits to total assets | 84.5493% | 3,282 |
| Equity capital to assets | 10.4982% | 2,463 |
| Core capital (leverage) ratio | 10.2079% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1571% | 1,322 |
| Memoranda: | ||
| Average total assets | $173,164,000 | 3,297 |
| Average earning assets | $166,840,250 | 3,248 |
| Average equity | $17,856,500 | 3,440 |
| Average total loans | $100,246,750 | 3,234 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 2,277 |
| Cost of funding earning assets | 0.2960% | 2,811 |
| Net interest margin | 3.4259% | 2,075 |
| Noninterest income to average assets | 0.4446% | 2,875 |
| Noninterest expense to average assets | 2.6667% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7886% | 3,537 |
| Return on assets (ROA) | 0.8376% | 3,476 |
| Pretax return on assets | 1.1375% | 3,097 |
| Return on Equity (ROE) | 8.1707% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.1270% | 3,805 |
| Net charge-offs to loans | 0.0675% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 27.5294% | 1,361 |
| Efficiency ratio | 71.2619% | 1,499 |
| Assets per employee ($millions) | 4.6247% | 3,992 |
| Cash dividends to net income (ytd only)* | 61.7284% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,750 |
| Loan loss allowance to noncurrent loans | 70.3535% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 743 |
| Noncurrent loans to loans | 1.7562% | 593 |
| Net loans and leases to total assets | 56.1293% | 2,887 |
| Net loans and leases to deposits | 66.3586% | 2,791 |
| Net loans and leases to core deposits | 69.4814% | 2,831 |
| Total domestic deposits to total assets | 84.5849% | 3,261 |
| Equity capital to assets | 10.1413% | 2,728 |
| Core capital (leverage) ratio | 9.9608% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8508% | 1,373 |
| Memoranda: | ||
| Average total assets | $174,072,333 | 3,299 |
| Average earning assets | $167,549,000 | 3,246 |
| Average equity | $17,844,333 | 3,443 |
| Average total loans | $100,779,000 | 3,246 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 2,356 |
| Cost of funding earning assets | 0.3148% | 2,842 |
| Net interest margin | 3.3863% | 2,148 |
| Noninterest income to average assets | 0.5842% | 2,278 |
| Noninterest expense to average assets | 2.7199% | 1,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8158% | 3,370 |
| Return on assets (ROA) | 0.9143% | 3,166 |
| Pretax return on assets | 1.2422% | 2,730 |
| Return on Equity (ROE) | 8.8712% | 3,078 |
| Retained earnings to average equity (ytd only) | 3.8308% | 3,554 |
| Net charge-offs to loans | 0.1422% | 531 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,403 |
| Efficiency ratio | 70.8785% | 1,612 |
| Assets per employee ($millions) | 4.4604% | 4,137 |
| Cash dividends to net income (ytd only)* | 56.8182% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,818 |
| Loan loss allowance to noncurrent loans | 68.3102% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 777 |
| Noncurrent loans to loans | 1.7859% | 654 |
| Net loans and leases to total assets | 57.3923% | 2,867 |
| Net loans and leases to deposits | 66.6546% | 2,843 |
| Net loans and leases to core deposits | 69.8955% | 2,872 |
| Total domestic deposits to total assets | 86.1040% | 2,696 |
| Equity capital to assets | 10.0709% | 2,644 |
| Core capital (leverage) ratio | 10.2731% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3672% | 1,454 |
| Memoranda: | ||
| Average total assets | $173,240,000 | 3,299 |
| Average earning assets | $166,433,000 | 3,245 |
| Average equity | $17,855,500 | 3,436 |
| Average total loans | $101,231,500 | 3,241 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 2,221 |
| Cost of funding earning assets | 0.5034% | 2,927 |
| Net interest margin | 3.6705% | 1,907 |
| Noninterest income to average assets | 0.4396% | 2,917 |
| Noninterest expense to average assets | 2.9353% | 1,585 |
| Loan and lease loss provision to assets | 0.1550% | 2,432 |
| Net operating income to assets | 0.6069% | 3,733 |
| Return on assets (ROA) | 0.6344% | 3,762 |
| Pretax return on assets | 0.8614% | 3,471 |
| Return on Equity (ROE) | 5.6131% | 3,703 |
| Retained earnings to average equity (ytd only) | 1.6957% | 3,953 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9394% | 1,342 |
| Assets per employee ($millions) | 4.7923% | 3,613 |
| Cash dividends to net income (ytd only)* | 69.7906% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,683 |
| Loan loss allowance to noncurrent loans | 71.0364% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 894 |
| Noncurrent loans to loans | 1.7605% | 714 |
| Net loans and leases to total assets | 58.0352% | 3,084 |
| Net loans and leases to deposits | 67.9512% | 3,080 |
| Net loans and leases to core deposits | 71.5023% | 3,130 |
| Total domestic deposits to total assets | 85.4072% | 2,612 |
| Equity capital to assets | 10.5447% | 2,631 |
| Core capital (leverage) ratio | 10.6338% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5045% | 1,400 |
| Memoranda: | ||
| Average total assets | $158,111,600 | 3,310 |
| Average earning assets | $149,787,800 | 3,266 |
| Average equity | $17,869,000 | 3,380 |
| Average total loans | $99,395,600 | 3,239 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,299 |
| Cost of funding earning assets | 0.5526% | 2,910 |
| Net interest margin | 3.6807% | 2,011 |
| Noninterest income to average assets | 0.4435% | 2,874 |
| Noninterest expense to average assets | 2.9184% | 1,655 |
| Loan and lease loss provision to assets | 0.1036% | 3,028 |
| Net operating income to assets | 0.6584% | 3,599 |
| Return on assets (ROA) | 0.6584% | 3,700 |
| Pretax return on assets | 0.8992% | 3,385 |
| Return on Equity (ROE) | 5.7190% | 3,654 |
| Retained earnings to average equity (ytd only) | 1.7839% | 4,004 |
| Net charge-offs to loans | 0.0013% | 3,169 |
| Credit loss provision to net charge-offs | 12,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,162.0000% | 101 |
| Efficiency ratio | 74.4278% | 1,371 |
| Assets per employee ($millions) | 4.8191% | 3,466 |
| Cash dividends to net income (ytd only)* | 68.8073% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,242 |
| Loan loss allowance to noncurrent loans | 61.7838% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 883 |
| Noncurrent loans to loans | 1.7703% | 755 |
| Net loans and leases to total assets | 63.0841% | 2,877 |
| Net loans and leases to deposits | 74.5521% | 2,909 |
| Net loans and leases to core deposits | 78.7022% | 2,945 |
| Total domestic deposits to total assets | 84.6175% | 2,588 |
| Equity capital to assets | 11.1274% | 2,300 |
| Core capital (leverage) ratio | 10.7136% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2106% | 1,449 |
| Memoranda: | ||
| Average total assets | $154,508,750 | 3,324 |
| Average earning assets | $145,984,500 | 3,293 |
| Average equity | $17,788,250 | 3,383 |
| Average total loans | $98,896,500 | 3,258 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,427 |
| Cost of funding earning assets | 0.6090% | 2,922 |
| Net interest margin | 3.7091% | 2,130 |
| Noninterest income to average assets | 0.4914% | 2,612 |
| Noninterest expense to average assets | 2.9895% | 1,596 |
| Loan and lease loss provision to assets | 0.0925% | 3,112 |
| Net operating income to assets | 0.6500% | 3,580 |
| Return on assets (ROA) | 0.6500% | 3,672 |
| Pretax return on assets | 0.8930% | 3,333 |
| Return on Equity (ROE) | 5.5781% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.6099% | 3,908 |
| Net charge-offs to loans | 0.0021% | 2,943 |
| Credit loss provision to net charge-offs | 7,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 128 |
| Efficiency ratio | 75.2077% | 1,345 |
| Assets per employee ($millions) | 4.2095% | 4,098 |
| Cash dividends to net income (ytd only)* | 71.1382% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,163 |
| Loan loss allowance to noncurrent loans | 53.2132% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 788 |
| Noncurrent loans to loans | 2.0328% | 656 |
| Net loans and leases to total assets | 62.4844% | 3,074 |
| Net loans and leases to deposits | 74.1507% | 3,065 |
| Net loans and leases to core deposits | 78.7355% | 3,049 |
| Total domestic deposits to total assets | 84.2667% | 2,654 |
| Equity capital to assets | 11.3347% | 2,097 |
| Core capital (leverage) ratio | 11.0650% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2683% | 1,421 |
| Memoranda: | ||
| Average total assets | $151,395,667 | 3,345 |
| Average earning assets | $142,190,333 | 3,322 |
| Average equity | $17,640,333 | 3,400 |
| Average total loans | $97,027,000 | 3,284 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 2,249 |
| Cost of funding earning assets | 0.6695% | 3,059 |
| Net interest margin | 3.8538% | 1,812 |
| Noninterest income to average assets | 0.7042% | 1,636 |
| Noninterest expense to average assets | 3.0833% | 1,679 |
| Loan and lease loss provision to assets | 0.1359% | 2,024 |
| Net operating income to assets | 0.7858% | 2,950 |
| Return on assets (ROA) | 0.7858% | 3,039 |
| Pretax return on assets | 1.0849% | 2,575 |
| Return on Equity (ROE) | 6.6456% | 3,085 |
| Retained earnings to average equity (ytd only) | 2.6214% | 3,216 |
| Net charge-offs to loans | -0.0084% | 4,014 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6361% | 2,133 |
| Assets per employee ($millions) | 3.8376% | 4,131 |
| Cash dividends to net income (ytd only)* | 60.5536% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,138 |
| Loan loss allowance to noncurrent loans | 112.4477% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 1,989 |
| Noncurrent loans to loans | 0.9884% | 1,673 |
| Net loans and leases to total assets | 63.9085% | 3,077 |
| Net loans and leases to deposits | 73.9672% | 3,279 |
| Net loans and leases to core deposits | 78.4177% | 3,320 |
| Total domestic deposits to total assets | 86.4011% | 1,825 |
| Equity capital to assets | 11.7822% | 2,225 |
| Core capital (leverage) ratio | 11.7048% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4066% | 1,501 |
| Memoranda: | ||
| Average total assets | $147,113,500 | 3,364 |
| Average earning assets | $137,424,000 | 3,349 |
| Average equity | $17,395,000 | 3,434 |
| Average total loans | $95,019,000 | 3,301 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 2,493 |
| Cost of funding earning assets | 0.6893% | 3,215 |
| Net interest margin | 3.9535% | 1,986 |
| Noninterest income to average assets | 0.6220% | 2,123 |
| Noninterest expense to average assets | 3.2795% | 1,339 |
| Loan and lease loss provision to assets | 0.2766% | 636 |
| Net operating income to assets | 0.5552% | 4,278 |
| Return on assets (ROA) | 0.5546% | 4,334 |
| Pretax return on assets | 0.7631% | 4,053 |
| Return on Equity (ROE) | 4.6935% | 4,299 |
| Retained earnings to average equity (ytd only) | 2.2928% | 3,872 |
| Net charge-offs to loans | -0.0089% | 4,437 |
| Credit loss provision to net charge-offs | -4,875.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9153% | 1,382 |
| Assets per employee ($millions) | 3.5259% | 4,457 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 2,972 |
| Loan loss allowance to noncurrent loans | 121.4964% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,151 |
| Noncurrent loans to loans | 0.9023% | 1,702 |
| Net loans and leases to total assets | 63.8420% | 3,222 |
| Net loans and leases to deposits | 73.9746% | 3,356 |
| Net loans and leases to core deposits | 78.1940% | 3,434 |
| Total domestic deposits to total assets | 86.3026% | 1,933 |
| Equity capital to assets | 11.8677% | 2,227 |
| Core capital (leverage) ratio | 11.8840% | 1,854 |
| Tier 1 risk-based capital ratio | 15.7282% | 2,493 |
| Total risk-based capital ratio | 16.6770% | 2,537 |
| Memoranda: | ||
| Average total assets | $140,997,800 | 3,423 |
| Average earning assets | $131,881,600 | 3,393 |
| Average equity | $16,661,200 | 3,470 |
| Average total loans | $89,677,600 | 3,403 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,678 |
| Cost of funding earning assets | 0.6891% | 3,265 |
| Net interest margin | 3.9248% | 2,175 |
| Noninterest income to average assets | 0.3721% | 3,489 |
| Noninterest expense to average assets | 3.2517% | 1,373 |
| Loan and lease loss provision to assets | 0.0476% | 2,942 |
| Net operating income to assets | 0.5460% | 4,414 |
| Return on assets (ROA) | 0.5453% | 4,468 |
| Pretax return on assets | 0.7518% | 4,239 |
| Return on Equity (ROE) | 4.6197% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,882 |
| Net charge-offs to loans | -0.0375% | 4,771 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2489% | 904 |
| Assets per employee ($millions) | 3.3922% | 4,600 |
| Cash dividends to net income (ytd only)* | 34.9041% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 4,451 |
| Loan loss allowance to noncurrent loans | 48.6430% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 1,291 |
| Noncurrent loans to loans | 1.6162% | 913 |
| Net loans and leases to total assets | 63.4265% | 3,344 |
| Net loans and leases to deposits | 73.9007% | 3,485 |
| Net loans and leases to core deposits | 78.2682% | 3,528 |
| Total domestic deposits to total assets | 85.8268% | 2,070 |
| Equity capital to assets | 12.3678% | 1,997 |
| Core capital (leverage) ratio | 11.8587% | 1,952 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,288 |
| Total risk-based capital ratio | 17.1270% | 2,418 |
| Memoranda: | ||
| Average total assets | $140,107,250 | 3,472 |
| Average earning assets | $131,367,000 | 3,437 |
| Average equity | $16,537,500 | 3,513 |
| Average total loans | $88,768,750 | 3,467 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 2,942 |
| Cost of funding earning assets | 0.6661% | 3,334 |
| Net interest margin | 3.8565% | 2,385 |
| Noninterest income to average assets | 0.3304% | 3,734 |
| Noninterest expense to average assets | 3.2168% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5212% | 4,480 |
| Return on assets (ROA) | 0.5212% | 4,512 |
| Pretax return on assets | 0.7163% | 4,295 |
| Return on Equity (ROE) | 4.4863% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.0348% | 4,103 |
| Net charge-offs to loans | -0.0586% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7886% | 815 |
| Assets per employee ($millions) | 3.3343% | 4,673 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 4,712 |
| Loan loss allowance to noncurrent loans | 41.4914% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 1,207 |
| Noncurrent loans to loans | 1.6885% | 906 |
| Net loans and leases to total assets | 65.8876% | 3,125 |
| Net loans and leases to deposits | 76.5165% | 3,288 |
| Net loans and leases to core deposits | 80.5133% | 3,384 |
| Total domestic deposits to total assets | 86.1090% | 1,971 |
| Equity capital to assets | 12.0223% | 2,167 |
| Core capital (leverage) ratio | 11.8337% | 1,924 |
| Tier 1 risk-based capital ratio | 15.5103% | 2,627 |
| Total risk-based capital ratio | 16.1201% | 2,812 |
| Memoranda: | ||
| Average total assets | $140,450,000 | 3,489 |
| Average earning assets | $131,207,670 | 3,460 |
| Average equity | $16,316,330 | 3,535 |
| Average total loans | $88,721,000 | 3,489 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 3,055 |
| Cost of funding earning assets | 0.6713% | 3,198 |
| Net interest margin | 3.7756% | 2,612 |
| Noninterest income to average assets | 0.2702% | 4,069 |
| Noninterest expense to average assets | 3.1282% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4579% | 4,625 |
| Return on assets (ROA) | 0.4579% | 4,641 |
| Pretax return on assets | 0.6285% | 4,462 |
| Return on Equity (ROE) | 4.0108% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.5196% | 4,195 |
| Net charge-offs to loans | -0.0046% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2702% | 769 |
| Assets per employee ($millions) | 3.4031% | 4,654 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 4,737 |
| Loan loss allowance to noncurrent loans | 39.8219% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 1,217 |
| Noncurrent loans to loans | 1.8069% | 853 |
| Net loans and leases to total assets | 61.9041% | 3,514 |
| Net loans and leases to deposits | 71.5411% | 3,640 |
| Net loans and leases to core deposits | 75.0959% | 3,731 |
| Total domestic deposits to total assets | 86.5295% | 2,051 |
| Equity capital to assets | 11.6845% | 2,249 |
| Core capital (leverage) ratio | 11.7486% | 1,942 |
| Tier 1 risk-based capital ratio | 15.9290% | 2,471 |
| Total risk-based capital ratio | 16.5350% | 2,663 |
| Memoranda: | ||
| Average total assets | $140,655,000 | 3,524 |
| Average earning assets | $129,888,000 | 3,516 |
| Average equity | $16,056,500 | 3,575 |
| Average total loans | $86,621,500 | 3,568 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 2,662 |
| Cost of funding earning assets | 0.5314% | 3,170 |
| Net interest margin | 3.8984% | 2,332 |
| Noninterest income to average assets | 0.3508% | 3,757 |
| Noninterest expense to average assets | 3.2085% | 1,530 |
| Loan and lease loss provision to assets | 0.0717% | 2,700 |
| Net operating income to assets | 0.4793% | 4,705 |
| Return on assets (ROA) | 0.4793% | 4,707 |
| Pretax return on assets | 0.6601% | 4,516 |
| Return on Equity (ROE) | 4.2915% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.0066% | 3,894 |
| Net charge-offs to loans | 0.3736% | 508 |
| Credit loss provision to net charge-offs | 31.5457% | 3,343 |
| Earnings coverage of net charge-offs (x) | 3.2177% | 3,436 |
| Efficiency ratio | 81.4275% | 850 |
| Assets per employee ($millions) | 3.4581% | 4,595 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 4,749 |
| Loan loss allowance to noncurrent loans | 43.0145% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 1,334 |
| Noncurrent loans to loans | 1.6848% | 863 |
| Net loans and leases to total assets | 60.3874% | 3,729 |
| Net loans and leases to deposits | 69.3266% | 3,873 |
| Net loans and leases to core deposits | 72.6854% | 3,945 |
| Total domestic deposits to total assets | 87.1056% | 1,734 |
| Equity capital to assets | 11.1508% | 2,550 |
| Core capital (leverage) ratio | 11.7547% | 1,912 |
| Tier 1 risk-based capital ratio | 15.9004% | 2,443 |
| Total risk-based capital ratio | 16.5066% | 2,651 |
| Memoranda: | ||
| Average total assets | $139,380,400 | 3,515 |
| Average earning assets | $128,333,200 | 3,519 |
| Average equity | $15,565,600 | 3,565 |
| Average total loans | $84,843,800 | 3,572 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 2,711 |
| Cost of funding earning assets | 0.4994% | 3,207 |
| Net interest margin | 3.8754% | 2,389 |
| Noninterest income to average assets | 0.3795% | 3,602 |
| Noninterest expense to average assets | 3.1656% | 1,611 |
| Loan and lease loss provision to assets | 0.0961% | 2,058 |
| Net operating income to assets | 0.5063% | 4,750 |
| Return on assets (ROA) | 0.5063% | 4,754 |
| Pretax return on assets | 0.6965% | 4,542 |
| Return on Equity (ROE) | 4.5319% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.6720% | 3,934 |
| Net charge-offs to loans | 0.5002% | 312 |
| Credit loss provision to net charge-offs | 31.5457% | 2,961 |
| Earnings coverage of net charge-offs (x) | 2.6025% | 3,233 |
| Efficiency ratio | 79.9757% | 944 |
| Assets per employee ($millions) | 3.6692% | 4,348 |
| Cash dividends to net income (ytd only)* | 18.9753% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 4,847 |
| Loan loss allowance to noncurrent loans | 33.6388% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 996 |
| Noncurrent loans to loans | 2.1271% | 674 |
| Net loans and leases to total assets | 62.0974% | 3,649 |
| Net loans and leases to deposits | 71.2072% | 3,834 |
| Net loans and leases to core deposits | 74.5230% | 3,908 |
| Total domestic deposits to total assets | 87.2066% | 1,635 |
| Equity capital to assets | 11.1023% | 2,574 |
| Core capital (leverage) ratio | 11.6713% | 2,024 |
| Tier 1 risk-based capital ratio | 15.8565% | 2,502 |
| Total risk-based capital ratio | 16.4616% | 2,705 |
| Memoranda: | ||
| Average total assets | $138,779,750 | 3,560 |
| Average earning assets | $128,155,750 | 3,557 |
| Average equity | $15,504,500 | 3,597 |
| Average total loans | $84,493,750 | 3,613 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,630 |
| Cost of funding earning assets | 0.4605% | 3,279 |
| Net interest margin | 3.8786% | 2,281 |
| Noninterest income to average assets | 0.3724% | 3,668 |
| Noninterest expense to average assets | 3.1682% | 1,615 |
| Loan and lease loss provision to assets | 0.1443% | 1,334 |
| Net operating income to assets | 0.4619% | 4,836 |
| Return on assets (ROA) | 0.4619% | 4,837 |
| Pretax return on assets | 0.6336% | 4,678 |
| Return on Equity (ROE) | 4.1257% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.8364% | 4,119 |
| Net charge-offs to loans | 0.7609% | 187 |
| Credit loss provision to net charge-offs | 31.4465% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.6950% | 3,036 |
| Efficiency ratio | 80.2853% | 982 |
| Assets per employee ($millions) | 3.6157% | 4,449 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 4,879 |
| Loan loss allowance to noncurrent loans | 51.4003% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 1,675 |
| Noncurrent loans to loans | 1.4102% | 1,197 |
| Net loans and leases to total assets | 62.2000% | 3,577 |
| Net loans and leases to deposits | 71.3996% | 3,758 |
| Net loans and leases to core deposits | 74.7396% | 3,827 |
| Total domestic deposits to total assets | 87.1154% | 1,793 |
| Equity capital to assets | 11.1604% | 2,493 |
| Core capital (leverage) ratio | 11.9231% | 1,765 |
| Tier 1 risk-based capital ratio | 15.8705% | 2,483 |
| Total risk-based capital ratio | 16.4811% | 2,692 |
| Memoranda: | ||
| Average total assets | $138,562,670 | 3,587 |
| Average earning assets | $127,675,000 | 3,594 |
| Average equity | $15,512,670 | 3,608 |
| Average total loans | $83,589,330 | 3,648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 1,558 |
| Cost of funding earning assets | 0.4556% | 3,165 |
| Net interest margin | 4.1476% | 1,305 |
| Noninterest income to average assets | 0.5289% | 2,637 |
| Noninterest expense to average assets | 3.1334% | 1,731 |
| Loan and lease loss provision to assets | 0.2875% | 465 |
| Net operating income to assets | 0.6382% | 4,317 |
| Return on assets (ROA) | 0.6382% | 4,331 |
| Pretax return on assets | 0.8768% | 3,924 |
| Return on Equity (ROE) | 5.6916% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.6916% | 2,855 |
| Net charge-offs to loans | 1.6274% | 81 |
| Credit loss provision to net charge-offs | 29.8507% | 2,066 |
| Earnings coverage of net charge-offs (x) | 1.2090% | 2,579 |
| Efficiency ratio | 72.9097% | 2,052 |
| Assets per employee ($millions) | 3.2998% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 4,939 |
| Loan loss allowance to noncurrent loans | 30.7965% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 957 |
| Noncurrent loans to loans | 2.4057% | 577 |
| Net loans and leases to total assets | 60.1101% | 3,742 |
| Net loans and leases to deposits | 68.0442% | 3,942 |
| Net loans and leases to core deposits | 71.2316% | 4,016 |
| Total domestic deposits to total assets | 88.3399% | 1,434 |
| Equity capital to assets | 11.4421% | 2,180 |
| Core capital (leverage) ratio | 11.7030% | 1,845 |
| Tier 1 risk-based capital ratio | 16.3611% | 2,336 |
| Total risk-based capital ratio | 16.9733% | 2,530 |
| Memoranda: | ||
| Average total assets | $139,145,500 | 3,622 |
| Average earning assets | $126,433,500 | 3,638 |
| Average equity | $15,602,000 | 3,635 |
| Average total loans | $82,341,500 | 3,705 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,883 |
| Cost of funding earning assets | 0.4354% | 2,910 |
| Net interest margin | 3.7142% | 2,740 |
| Noninterest income to average assets | 0.2583% | 4,587 |
| Noninterest expense to average assets | 3.0554% | 1,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3431% | 4,845 |
| Return on assets (ROA) | 0.3454% | 4,863 |
| Pretax return on assets | 0.5666% | 4,812 |
| Return on Equity (ROE) | 3.0919% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.0919% | 3,447 |
| Net charge-offs to loans | 0.0098% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 98.6250% | 652 |
| Efficiency ratio | 84.4409% | 738 |
| Assets per employee ($millions) | 3.5750% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,830 |
| Loan loss allowance to noncurrent loans | 64.8191% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 1,709 |
| Noncurrent loans to loans | 1.5697% | 1,073 |
| Net loans and leases to total assets | 57.2800% | 4,080 |
| Net loans and leases to deposits | 64.5172% | 4,289 |
| Net loans and leases to core deposits | 67.2134% | 4,351 |
| Total domestic deposits to total assets | 88.7826% | 1,100 |
| Equity capital to assets | 10.9957% | 2,627 |
| Core capital (leverage) ratio | 11.5026% | 1,938 |
| Tier 1 risk-based capital ratio | 16.1110% | 2,391 |
| Total risk-based capital ratio | 16.9588% | 2,488 |
| Memoranda: | ||
| Average total assets | $140,145,000 | 3,615 |
| Average earning assets | $126,782,000 | 3,633 |
| Average equity | $15,654,000 | 3,643 |
| Average total loans | $81,794,400 | 3,710 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,832 |
| Cost of funding earning assets | 0.4326% | 2,873 |
| Net interest margin | 3.7082% | 2,728 |
| Noninterest income to average assets | 0.3567% | 3,980 |
| Noninterest expense to average assets | 3.0600% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4053% | 4,989 |
| Return on assets (ROA) | 0.4083% | 5,015 |
| Pretax return on assets | 0.6703% | 4,680 |
| Return on Equity (ROE) | 3.6410% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.6410% | 3,758 |
| Net charge-offs to loans | -0.0065% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1355% | 905 |
| Assets per employee ($millions) | 3.4740% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,840 |
| Loan loss allowance to noncurrent loans | 92.7253% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7355% | 2,299 |
| Noncurrent loans to loans | 1.1219% | 1,716 |
| Net loans and leases to total assets | 58.4651% | 4,016 |
| Net loans and leases to deposits | 66.3021% | 4,230 |
| Net loans and leases to core deposits | 69.1722% | 4,297 |
| Total domestic deposits to total assets | 88.1799% | 1,272 |
| Equity capital to assets | 11.4761% | 2,402 |
| Core capital (leverage) ratio | 11.2766% | 2,203 |
| Tier 1 risk-based capital ratio | 15.9573% | 2,528 |
| Total risk-based capital ratio | 16.8178% | 2,626 |
| Memoranda: | ||
| Average total assets | $139,431,000 | 3,652 |
| Average earning assets | $126,671,750 | 3,670 |
| Average equity | $15,636,500 | 3,678 |
| Average total loans | $81,554,750 | 3,736 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,580 |
| Cost of funding earning assets | 0.4243% | 2,856 |
| Net interest margin | 3.7462% | 2,486 |
| Noninterest income to average assets | 0.3310% | 4,173 |
| Noninterest expense to average assets | 3.0561% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4036% | 4,973 |
| Return on assets (ROA) | 0.4055% | 4,995 |
| Pretax return on assets | 0.6677% | 4,637 |
| Return on Equity (ROE) | 3.6439% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.6439% | 3,538 |
| Net charge-offs to loans | -0.0049% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1332% | 995 |
| Assets per employee ($millions) | 3.3174% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,839 |
| Loan loss allowance to noncurrent loans | 94.4629% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 1,987 |
| Noncurrent loans to loans | 1.1132% | 1,763 |
| Net loans and leases to total assets | 59.0126% | 3,920 |
| Net loans and leases to deposits | 66.9704% | 4,144 |
| Net loans and leases to core deposits | 69.6741% | 4,246 |
| Total domestic deposits to total assets | 88.1175% | 1,398 |
| Equity capital to assets | 11.5936% | 2,233 |
| Core capital (leverage) ratio | 11.2762% | 2,149 |
| Tier 1 risk-based capital ratio | 15.9228% | 2,535 |
| Total risk-based capital ratio | 16.7884% | 2,626 |
| Memoranda: | ||
| Average total assets | $139,588,670 | 3,672 |
| Average earning assets | $126,316,000 | 3,700 |
| Average equity | $15,533,000 | 3,699 |
| Average total loans | $81,374,330 | 3,757 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 3,329 |
| Cost of funding earning assets | 0.4287% | 2,729 |
| Net interest margin | 3.4898% | 3,309 |
| Noninterest income to average assets | 0.4668% | 3,208 |
| Noninterest expense to average assets | 3.0529% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3171% | 5,148 |
| Return on assets (ROA) | 0.3225% | 5,168 |
| Pretax return on assets | 0.5319% | 4,895 |
| Return on Equity (ROE) | 2.9582% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.9582% | 3,932 |
| Net charge-offs to loans | -0.0196% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3639% | 857 |
| Assets per employee ($millions) | 3.3817% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,956 |
| Loan loss allowance to noncurrent loans | 59.2644% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 1,251 |
| Noncurrent loans to loans | 1.7814% | 1,059 |
| Net loans and leases to total assets | 57.7268% | 3,999 |
| Net loans and leases to deposits | 65.1948% | 4,236 |
| Net loans and leases to core deposits | 68.2292% | 4,276 |
| Total domestic deposits to total assets | 88.5451% | 1,399 |
| Equity capital to assets | 11.1736% | 2,456 |
| Core capital (leverage) ratio | 11.1270% | 2,253 |
| Tier 1 risk-based capital ratio | 15.6571% | 2,689 |
| Total risk-based capital ratio | 16.5186% | 2,782 |
| Memoranda: | ||
| Average total assets | $141,375,500 | 3,673 |
| Average earning assets | $125,968,000 | 3,738 |
| Average equity | $15,415,000 | 3,734 |
| Average total loans | $81,502,000 | 3,784 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,193 |
| Cost of funding earning assets | 0.4814% | 2,244 |
| Net interest margin | 3.5203% | 3,357 |
| Noninterest income to average assets | 0.2207% | 5,090 |
| Noninterest expense to average assets | 2.9694% | 2,441 |
| Loan and lease loss provision to assets | 0.0110% | 4,155 |
| Net operating income to assets | 0.2172% | 5,387 |
| Return on assets (ROA) | 0.3207% | 5,240 |
| Pretax return on assets | 0.4966% | 5,031 |
| Return on Equity (ROE) | 2.9835% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.9835% | 3,775 |
| Net charge-offs to loans | 0.0815% | 2,526 |
| Credit loss provision to net charge-offs | 22.8571% | 3,654 |
| Earnings coverage of net charge-offs (x) | 7.2143% | 3,051 |
| Efficiency ratio | 89.5010% | 589 |
| Assets per employee ($millions) | 3.6026% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,109 |
| Loan loss allowance to noncurrent loans | 55.5919% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 1,189 |
| Noncurrent loans to loans | 1.8621% | 1,006 |
| Net loans and leases to total assets | 56.3923% | 4,229 |
| Net loans and leases to deposits | 63.2953% | 4,454 |
| Net loans and leases to core deposits | 66.1046% | 4,521 |
| Total domestic deposits to total assets | 89.0939% | 1,069 |
| Equity capital to assets | 10.6438% | 2,987 |
| Core capital (leverage) ratio | 10.8507% | 2,488 |
| Tier 1 risk-based capital ratio | 15.5915% | 2,709 |
| Total risk-based capital ratio | 16.4556% | 2,815 |
| Memoranda: | ||
| Average total assets | $144,981,000 | 3,590 |
| Average earning assets | $127,544,200 | 3,694 |
| Average equity | $15,585,600 | 3,748 |
| Average total loans | $85,863,800 | 3,668 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 3,246 |
| Cost of funding earning assets | 0.4888% | 2,185 |
| Net interest margin | 3.5050% | 3,444 |
| Noninterest income to average assets | 0.1763% | 5,396 |
| Noninterest expense to average assets | 3.0192% | 2,264 |
| Loan and lease loss provision to assets | 0.0147% | 3,955 |
| Net operating income to assets | 0.1582% | 5,539 |
| Return on assets (ROA) | 0.2746% | 5,418 |
| Pretax return on assets | 0.4132% | 5,281 |
| Return on Equity (ROE) | 2.5478% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.5478% | 4,392 |
| Net charge-offs to loans | 0.0276% | 3,116 |
| Credit loss provision to net charge-offs | 88.8889% | 2,546 |
| Earnings coverage of net charge-offs (x) | 15.2217% | 2,195 |
| Efficiency ratio | 92.3077% | 450 |
| Assets per employee ($millions) | 3.6074% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,070 |
| Loan loss allowance to noncurrent loans | 51.1628% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.8011% | 912 |
| Noncurrent loans to loans | 2.0717% | 934 |
| Net loans and leases to total assets | 59.8455% | 3,894 |
| Net loans and leases to deposits | 67.6458% | 4,186 |
| Net loans and leases to core deposits | 70.8959% | 4,257 |
| Total domestic deposits to total assets | 88.4689% | 1,162 |
| Equity capital to assets | 11.2276% | 2,768 |
| Core capital (leverage) ratio | 10.4175% | 3,088 |
| Tier 1 risk-based capital ratio | 15.6082% | 2,788 |
| Total risk-based capital ratio | 16.5360% | 2,855 |
| Memoranda: | ||
| Average total assets | $145,200,500 | 3,605 |
| Average earning assets | $128,193,500 | 3,699 |
| Average equity | $15,647,500 | 3,766 |
| Average total loans | $86,801,500 | 3,660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,331 |
| Cost of funding earning assets | 0.4881% | 2,208 |
| Net interest margin | 3.4864% | 3,536 |
| Noninterest income to average assets | 0.2345% | 5,079 |
| Noninterest expense to average assets | 3.0115% | 2,308 |
| Loan and lease loss provision to assets | 0.0218% | 3,691 |
| Net operating income to assets | 0.1894% | 5,545 |
| Return on assets (ROA) | 0.2877% | 5,438 |
| Pretax return on assets | 0.4226% | 5,299 |
| Return on Equity (ROE) | 2.7055% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,184 |
| Net charge-offs to loans | 0.0549% | 2,416 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,439 |
| Efficiency ratio | 90.9428% | 550 |
| Assets per employee ($millions) | 3.6721% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 4,296 |
| Loan loss allowance to noncurrent loans | 56.9612% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 851 |
| Noncurrent loans to loans | 1.8229% | 1,130 |
| Net loans and leases to total assets | 59.6270% | 3,932 |
| Net loans and leases to deposits | 67.2932% | 4,244 |
| Net loans and leases to core deposits | 70.2927% | 4,302 |
| Total domestic deposits to total assets | 88.6078% | 1,111 |
| Equity capital to assets | 11.0661% | 2,982 |
| Core capital (leverage) ratio | 10.3849% | 3,094 |
| Tier 1 risk-based capital ratio | 15.3538% | 2,925 |
| Total risk-based capital ratio | 16.2658% | 3,013 |
| Memoranda: | ||
| Average total assets | $146,704,330 | 3,604 |
| Average earning assets | $129,473,670 | 3,704 |
| Average equity | $15,598,000 | 3,788 |
| Average total loans | $87,369,330 | 3,659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 3,346 |
| Cost of funding earning assets | 0.4877% | 2,197 |
| Net interest margin | 3.4784% | 3,562 |
| Noninterest income to average assets | 0.4230% | 3,662 |
| Noninterest expense to average assets | 2.9208% | 2,630 |
| Loan and lease loss provision to assets | 0.0431% | 3,056 |
| Net operating income to assets | 0.3395% | 5,184 |
| Return on assets (ROA) | 0.3395% | 5,272 |
| Pretax return on assets | 0.5146% | 5,047 |
| Return on Equity (ROE) | 3.2573% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.2573% | 3,866 |
| Net charge-offs to loans | 0.0182% | 2,568 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 51.7500% | 867 |
| Efficiency ratio | 83.9659% | 1,161 |
| Assets per employee ($millions) | 3.6566% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 4,383 |
| Loan loss allowance to noncurrent loans | 48.1598% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 755 |
| Noncurrent loans to loans | 2.1617% | 958 |
| Net loans and leases to total assets | 58.0775% | 4,039 |
| Net loans and leases to deposits | 65.0628% | 4,337 |
| Net loans and leases to core deposits | 68.1990% | 4,387 |
| Total domestic deposits to total assets | 89.2638% | 968 |
| Equity capital to assets | 10.4815% | 3,522 |
| Core capital (leverage) ratio | 10.1619% | 3,354 |
| Tier 1 risk-based capital ratio | 15.2734% | 3,028 |
| Total risk-based capital ratio | 16.2062% | 3,115 |
| Memoranda: | ||
| Average total assets | $148,450,500 | 3,606 |
| Average earning assets | $130,403,000 | 3,706 |
| Average equity | $15,473,000 | 3,817 |
| Average total loans | $87,909,500 | 3,653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 3,588 |
| Cost of funding earning assets | 0.5745% | 1,559 |
| Net interest margin | 3.3585% | 4,082 |
| Noninterest income to average assets | 0.4747% | 3,503 |
| Noninterest expense to average assets | 3.0107% | 2,508 |
| Loan and lease loss provision to assets | 0.1864% | 1,198 |
| Net operating income to assets | 0.2217% | 5,531 |
| Return on assets (ROA) | 0.2370% | 5,571 |
| Pretax return on assets | 0.3261% | 5,467 |
| Return on Equity (ROE) | 2.3102% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.3102% | 4,417 |
| Net charge-offs to loans | 0.4031% | 707 |
| Credit loss provision to net charge-offs | 77.7465% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.0507% | 3,983 |
| Efficiency ratio | 85.9649% | 993 |
| Assets per employee ($millions) | 3.6745% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 4,437 |
| Loan loss allowance to noncurrent loans | 35.7849% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 728 |
| Noncurrent loans to loans | 2.8794% | 581 |
| Net loans and leases to total assets | 59.1425% | 3,949 |
| Net loans and leases to deposits | 66.2094% | 4,300 |
| Net loans and leases to core deposits | 69.0587% | 4,374 |
| Total domestic deposits to total assets | 89.3264% | 949 |
| Equity capital to assets | 10.3634% | 3,551 |
| Core capital (leverage) ratio | 10.0490% | 3,442 |
| Tier 1 risk-based capital ratio | 14.7942% | 3,277 |
| Total risk-based capital ratio | 15.7015% | 3,377 |
| Memoranda: | ||
| Average total assets | $148,106,800 | 3,600 |
| Average earning assets | $133,513,000 | 3,643 |
| Average equity | $15,193,200 | 3,809 |
| Average total loans | $88,071,000 | 3,629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,705 |
| Cost of funding earning assets | 0.5917% | 1,459 |
| Net interest margin | 3.3226% | 4,248 |
| Noninterest income to average assets | 0.4753% | 3,535 |
| Noninterest expense to average assets | 3.0100% | 2,490 |
| Loan and lease loss provision to assets | 0.0440% | 3,336 |
| Net operating income to assets | 0.3006% | 5,448 |
| Return on assets (ROA) | 0.2974% | 5,538 |
| Pretax return on assets | 0.4241% | 5,416 |
| Return on Equity (ROE) | 2.9066% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.9066% | 4,380 |
| Net charge-offs to loans | 0.1422% | 1,700 |
| Credit loss provision to net charge-offs | 52.1277% | 3,014 |
| Earnings coverage of net charge-offs (x) | 5.5958% | 3,181 |
| Efficiency ratio | 86.4293% | 974 |
| Assets per employee ($millions) | 3.5962% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,417 |
| Loan loss allowance to noncurrent loans | 35.0654% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.4255% | 727 |
| Noncurrent loans to loans | 3.0291% | 576 |
| Net loans and leases to total assets | 60.7398% | 3,768 |
| Net loans and leases to deposits | 68.3622% | 4,154 |
| Net loans and leases to core deposits | 71.5422% | 4,230 |
| Total domestic deposits to total assets | 88.8500% | 1,099 |
| Equity capital to assets | 10.7106% | 3,347 |
| Core capital (leverage) ratio | 9.8205% | 3,878 |
| Tier 1 risk-based capital ratio | 15.0680% | 3,262 |
| Total risk-based capital ratio | 16.0271% | 3,353 |
| Memoranda: | ||
| Average total assets | $148,388,750 | 3,625 |
| Average earning assets | $134,307,500 | 3,659 |
| Average equity | $15,183,500 | 3,842 |
| Average total loans | $88,130,750 | 3,663 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 3,774 |
| Cost of funding earning assets | 0.6066% | 1,366 |
| Net interest margin | 3.2734% | 4,408 |
| Noninterest income to average assets | 0.4963% | 3,401 |
| Noninterest expense to average assets | 3.0366% | 2,432 |
| Loan and lease loss provision to assets | 0.0454% | 3,207 |
| Net operating income to assets | 0.2562% | 5,563 |
| Return on assets (ROA) | 0.2628% | 5,629 |
| Pretax return on assets | 0.3682% | 5,544 |
| Return on Equity (ROE) | 2.6077% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.6077% | 4,401 |
| Net charge-offs to loans | 0.2248% | 1,138 |
| Credit loss provision to net charge-offs | 34.3434% | 2,879 |
| Earnings coverage of net charge-offs (x) | 3.0606% | 3,248 |
| Efficiency ratio | 88.2513% | 896 |
| Assets per employee ($millions) | 3.6452% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 4,568 |
| Loan loss allowance to noncurrent loans | 41.1370% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 2.3613% | 839 |
| Noncurrent loans to loans | 2.5673% | 859 |
| Net loans and leases to total assets | 59.0485% | 3,968 |
| Net loans and leases to deposits | 66.2104% | 4,320 |
| Net loans and leases to core deposits | 69.3813% | 4,378 |
| Total domestic deposits to total assets | 89.1831% | 1,057 |
| Equity capital to assets | 10.3636% | 3,597 |
| Core capital (leverage) ratio | 9.6998% | 4,000 |
| Tier 1 risk-based capital ratio | 15.0147% | 3,349 |
| Total risk-based capital ratio | 15.9596% | 3,451 |
| Memoranda: | ||
| Average total assets | $149,902,330 | 3,632 |
| Average earning assets | $134,845,330 | 3,685 |
| Average equity | $15,109,000 | 3,867 |
| Average total loans | $88,070,670 | 3,692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,992 |
| Cost of funding earning assets | 0.6197% | 1,307 |
| Net interest margin | 3.1840% | 4,667 |
| Noninterest income to average assets | 0.6397% | 2,453 |
| Noninterest expense to average assets | 3.0089% | 2,554 |
| Loan and lease loss provision to assets | 0.0500% | 2,933 |
| Net operating income to assets | 0.2948% | 5,439 |
| Return on assets (ROA) | 0.2948% | 5,536 |
| Pretax return on assets | 0.4212% | 5,388 |
| Return on Equity (ROE) | 2.9653% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.9653% | 4,192 |
| Net charge-offs to loans | 0.1896% | 1,168 |
| Credit loss provision to net charge-offs | 45.2381% | 2,145 |
| Earnings coverage of net charge-offs (x) | 4.2619% | 2,516 |
| Efficiency ratio | 86.4599% | 1,139 |
| Assets per employee ($millions) | 3.7494% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 4,458 |
| Loan loss allowance to noncurrent loans | 34.7308% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.4707% | 872 |
| Noncurrent loans to loans | 3.1967% | 640 |
| Net loans and leases to total assets | 55.6823% | 4,238 |
| Net loans and leases to deposits | 62.1538% | 4,563 |
| Net loans and leases to core deposits | 64.9520% | 4,612 |
| Total domestic deposits to total assets | 89.5878% | 947 |
| Equity capital to assets | 9.9301% | 4,224 |
| Core capital (leverage) ratio | 9.6466% | 4,083 |
| Tier 1 risk-based capital ratio | 15.1461% | 3,356 |
| Total risk-based capital ratio | 16.1487% | 3,424 |
| Memoranda: | ||
| Average total assets | $151,949,000 | 3,624 |
| Average earning assets | $135,554,000 | 3,697 |
| Average equity | $15,108,000 | 3,895 |
| Average total loans | $88,597,500 | 3,681 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 3,634 |
| Cost of funding earning assets | 0.7436% | 874 |
| Net interest margin | 3.2789% | 4,658 |
| Noninterest income to average assets | 0.2874% | 5,067 |
| Noninterest expense to average assets | 3.1246% | 2,436 |
| Loan and lease loss provision to assets | 0.2343% | 1,028 |
| Net operating income to assets | -0.0206% | 6,107 |
| Return on assets (ROA) | 0.0584% | 6,036 |
| Pretax return on assets | 0.0046% | 6,091 |
| Return on Equity (ROE) | 0.5915% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.5915% | 5,508 |
| Net charge-offs to loans | 0.7814% | 454 |
| Credit loss provision to net charge-offs | 48.8920% | 3,505 |
| Earnings coverage of net charge-offs (x) | 0.3338% | 4,658 |
| Efficiency ratio | 95.1293% | 538 |
| Assets per employee ($millions) | 3.6628% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 4,611 |
| Loan loss allowance to noncurrent loans | 30.3049% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 2.7002% | 821 |
| Noncurrent loans to loans | 3.5824% | 563 |
| Net loans and leases to total assets | 59.6994% | 3,826 |
| Net loans and leases to deposits | 66.6065% | 4,257 |
| Net loans and leases to core deposits | 69.5281% | 4,368 |
| Total domestic deposits to total assets | 89.6300% | 910 |
| Equity capital to assets | 9.9558% | 4,172 |
| Core capital (leverage) ratio | 9.6889% | 3,985 |
| Tier 1 risk-based capital ratio | 14.6693% | 3,682 |
| Total risk-based capital ratio | 15.6815% | 3,750 |
| Memoranda: | ||
| Average total assets | $150,645,200 | 3,625 |
| Average earning assets | $137,699,600 | 3,631 |
| Average equity | $14,878,400 | 3,862 |
| Average total loans | $92,402,800 | 3,576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,701 |
| Cost of funding earning assets | 0.7637% | 829 |
| Net interest margin | 3.2517% | 4,785 |
| Noninterest income to average assets | 0.3095% | 4,963 |
| Noninterest expense to average assets | 3.1581% | 2,297 |
| Loan and lease loss provision to assets | 0.2945% | 670 |
| Net operating income to assets | -0.0425% | 6,175 |
| Return on assets (ROA) | 0.0062% | 6,148 |
| Pretax return on assets | -0.0849% | 6,192 |
| Return on Equity (ROE) | 0.0628% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.0628% | 5,777 |
| Net charge-offs to loans | 0.9478% | 331 |
| Credit loss provision to net charge-offs | 50.4545% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.2288% | 4,419 |
| Efficiency ratio | 95.9430% | 509 |
| Assets per employee ($millions) | 3.6563% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 4,631 |
| Loan loss allowance to noncurrent loans | 32.3455% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 2.7863% | 884 |
| Noncurrent loans to loans | 3.4811% | 695 |
| Net loans and leases to total assets | 61.6030% | 3,548 |
| Net loans and leases to deposits | 69.0166% | 4,020 |
| Net loans and leases to core deposits | 72.3405% | 4,119 |
| Total domestic deposits to total assets | 89.2582% | 1,097 |
| Equity capital to assets | 10.1579% | 3,984 |
| Core capital (leverage) ratio | 9.3724% | 4,541 |
| Tier 1 risk-based capital ratio | 14.4871% | 3,895 |
| Total risk-based capital ratio | 15.5361% | 3,956 |
| Memoranda: | ||
| Average total assets | $150,763,000 | 3,647 |
| Average earning assets | $138,261,750 | 3,655 |
| Average equity | $14,860,250 | 3,884 |
| Average total loans | $92,844,250 | 3,605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,727 |
| Cost of funding earning assets | 0.7695% | 835 |
| Net interest margin | 3.2305% | 4,842 |
| Noninterest income to average assets | 0.3704% | 4,478 |
| Noninterest expense to average assets | 3.1747% | 2,268 |
| Loan and lease loss provision to assets | 0.2404% | 936 |
| Net operating income to assets | -0.0407% | 6,214 |
| Return on assets (ROA) | 0.0722% | 6,113 |
| Pretax return on assets | 0.0184% | 6,182 |
| Return on Equity (ROE) | 0.7402% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.7402% | 5,442 |
| Net charge-offs to loans | 0.8692% | 423 |
| Credit loss provision to net charge-offs | 45.0739% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.2734% | 4,082 |
| Efficiency ratio | 95.6092% | 573 |
| Assets per employee ($millions) | 3.7259% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,390 |
| Loan loss allowance to noncurrent loans | 40.1421% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.5511% | 1,093 |
| Noncurrent loans to loans | 3.0089% | 962 |
| Net loans and leases to total assets | 62.0161% | 3,400 |
| Net loans and leases to deposits | 69.3522% | 3,902 |
| Net loans and leases to core deposits | 73.4044% | 3,899 |
| Total domestic deposits to total assets | 89.4219% | 1,141 |
| Equity capital to assets | 10.0494% | 4,039 |
| Core capital (leverage) ratio | 9.5012% | 4,328 |
| Tier 1 risk-based capital ratio | 14.2621% | 4,090 |
| Total risk-based capital ratio | 15.3918% | 4,102 |
| Memoranda: | ||
| Average total assets | $152,267,000 | 3,646 |
| Average earning assets | $139,051,670 | 3,666 |
| Average equity | $14,861,670 | 3,882 |
| Average total loans | $93,418,670 | 3,606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,684 |
| Cost of funding earning assets | 0.7860% | 800 |
| Net interest margin | 3.2129% | 4,886 |
| Noninterest income to average assets | 0.4991% | 3,417 |
| Noninterest expense to average assets | 3.1452% | 2,387 |
| Loan and lease loss provision to assets | 0.0702% | 2,730 |
| Net operating income to assets | 0.1506% | 5,925 |
| Return on assets (ROA) | 0.3249% | 5,461 |
| Pretax return on assets | 0.4185% | 5,394 |
| Return on Equity (ROE) | 3.3775% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.3775% | 4,102 |
| Net charge-offs to loans | 0.7156% | 494 |
| Credit loss provision to net charge-offs | 16.1677% | 2,545 |
| Earnings coverage of net charge-offs (x) | 0.6108% | 3,297 |
| Efficiency ratio | 92.2256% | 868 |
| Assets per employee ($millions) | 3.6982% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,098 |
| Loan loss allowance to noncurrent loans | 36.2306% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.9223% | 991 |
| Noncurrent loans to loans | 3.6006% | 790 |
| Net loans and leases to total assets | 60.5252% | 3,468 |
| Net loans and leases to deposits | 67.4506% | 3,921 |
| Net loans and leases to core deposits | 71.5315% | 3,918 |
| Total domestic deposits to total assets | 89.7326% | 1,224 |
| Equity capital to assets | 9.8143% | 4,083 |
| Core capital (leverage) ratio | 9.3304% | 4,526 |
| Tier 1 risk-based capital ratio | 13.8640% | 4,418 |
| Total risk-based capital ratio | 15.0461% | 4,425 |
| Memoranda: | ||
| Average total assets | $153,883,500 | 3,648 |
| Average earning assets | $139,438,500 | 3,678 |
| Average equity | $14,804,000 | 3,896 |
| Average total loans | $93,350,500 | 3,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,998 |
| Cost of funding earning assets | 0.9469% | 588 |
| Net interest margin | 3.0793% | 5,378 |
| Noninterest income to average assets | 0.4096% | 4,378 |
| Noninterest expense to average assets | 3.0857% | 2,777 |
| Loan and lease loss provision to assets | 0.1205% | 2,811 |
| Net operating income to assets | 0.0919% | 6,063 |
| Return on assets (ROA) | 0.0938% | 6,110 |
| Pretax return on assets | 0.0114% | 6,216 |
| Return on Equity (ROE) | 0.9851% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.9851% | 5,398 |
| Net charge-offs to loans | 0.5586% | 1,177 |
| Credit loss provision to net charge-offs | 36.2595% | 4,126 |
| Earnings coverage of net charge-offs (x) | 0.3912% | 4,948 |
| Efficiency ratio | 95.9582% | 642 |
| Assets per employee ($millions) | 3.7176% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,450 |
| Loan loss allowance to noncurrent loans | 41.0000% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.6751% | 1,254 |
| Noncurrent loans to loans | 3.5213% | 883 |
| Net loans and leases to total assets | 59.1536% | 3,848 |
| Net loans and leases to deposits | 65.6435% | 4,336 |
| Net loans and leases to core deposits | 69.1159% | 4,381 |
| Total domestic deposits to total assets | 90.1134% | 1,021 |
| Equity capital to assets | 9.4319% | 4,514 |
| Core capital (leverage) ratio | 9.1096% | 4,843 |
| Tier 1 risk-based capital ratio | 13.4349% | 4,693 |
| Total risk-based capital ratio | 14.6854% | 4,633 |
| Memoranda: | ||
| Average total assets | $157,726,400 | 3,591 |
| Average earning assets | $143,732,800 | 3,608 |
| Average equity | $15,024,400 | 3,869 |
| Average total loans | $93,813,400 | 3,606 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 4,029 |
| Cost of funding earning assets | 0.9737% | 563 |
| Net interest margin | 3.0519% | 5,462 |
| Noninterest income to average assets | 0.3955% | 4,565 |
| Noninterest expense to average assets | 3.0785% | 2,731 |
| Loan and lease loss provision to assets | 0.1602% | 2,255 |
| Net operating income to assets | 0.0557% | 6,210 |
| Return on assets (ROA) | 0.0557% | 6,269 |
| Pretax return on assets | -0.0523% | 6,360 |
| Return on Equity (ROE) | 0.5828% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.5828% | 5,734 |
| Net charge-offs to loans | 0.6579% | 925 |
| Credit loss provision to net charge-offs | 41.0367% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.2765% | 4,770 |
| Efficiency ratio | 96.6129% | 592 |
| Assets per employee ($millions) | 3.6638% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 3,514 |
| Loan loss allowance to noncurrent loans | 46.1941% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.2374% | 1,776 |
| Noncurrent loans to loans | 3.2155% | 1,222 |
| Net loans and leases to total assets | 60.9445% | 3,530 |
| Net loans and leases to deposits | 67.8650% | 4,075 |
| Net loans and leases to core deposits | 71.6621% | 4,132 |
| Total domestic deposits to total assets | 89.8025% | 1,104 |
| Equity capital to assets | 9.6588% | 4,347 |
| Core capital (leverage) ratio | 9.0045% | 5,124 |
| Tier 1 risk-based capital ratio | 13.4764% | 4,773 |
| Total risk-based capital ratio | 14.7279% | 4,724 |
| Memoranda: | ||
| Average total assets | $158,122,750 | 3,625 |
| Average earning assets | $144,605,750 | 3,629 |
| Average equity | $15,098,750 | 3,896 |
| Average total loans | $93,837,750 | 3,628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 3,877 |
| Cost of funding earning assets | 0.9805% | 597 |
| Net interest margin | 3.0801% | 5,331 |
| Noninterest income to average assets | 0.3798% | 4,671 |
| Noninterest expense to average assets | 3.0438% | 2,862 |
| Loan and lease loss provision to assets | 0.2006% | 1,892 |
| Net operating income to assets | 0.0589% | 6,224 |
| Return on assets (ROA) | 0.0589% | 6,302 |
| Pretax return on assets | -0.0489% | 6,394 |
| Return on Equity (ROE) | 0.6193% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.6193% | 5,652 |
| Net charge-offs to loans | 0.0214% | 4,409 |
| Credit loss provision to net charge-offs | 1,600.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 2,005 |
| Efficiency ratio | 95.2530% | 696 |
| Assets per employee ($millions) | 3.5970% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 2,025 |
| Loan loss allowance to noncurrent loans | 50.6200% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.4168% | 1,757 |
| Noncurrent loans to loans | 3.8092% | 1,067 |
| Net loans and leases to total assets | 60.4084% | 3,591 |
| Net loans and leases to deposits | 67.2117% | 4,113 |
| Net loans and leases to core deposits | 71.7463% | 4,076 |
| Total domestic deposits to total assets | 89.8777% | 1,099 |
| Equity capital to assets | 9.5721% | 4,488 |
| Core capital (leverage) ratio | 9.0134% | 4,964 |
| Tier 1 risk-based capital ratio | 13.3295% | 4,897 |
| Total risk-based capital ratio | 14.5857% | 4,838 |
| Memoranda: | ||
| Average total assets | $159,536,670 | 3,619 |
| Average earning assets | $145,840,000 | 3,633 |
| Average equity | $15,177,330 | 3,910 |
| Average total loans | $93,385,000 | 3,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,937 |
| Cost of funding earning assets | 0.9856% | 663 |
| Net interest margin | 3.0599% | 5,400 |
| Noninterest income to average assets | 0.5532% | 3,415 |
| Noninterest expense to average assets | 2.9734% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3136% | 5,522 |
| Return on assets (ROA) | 0.3136% | 5,650 |
| Pretax return on assets | 0.3630% | 5,668 |
| Return on Equity (ROE) | 3.3065% | 5,431 |
| Retained earnings to average equity (ytd only) | 3.3065% | 4,268 |
| Net charge-offs to loans | -0.2034% | 6,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1192% | 1,221 |
| Assets per employee ($millions) | 3.6744% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 2,372 |
| Loan loss allowance to noncurrent loans | 47.2608% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 2.7432% | 1,658 |
| Noncurrent loans to loans | 3.9735% | 1,140 |
| Net loans and leases to total assets | 56.0402% | 4,071 |
| Net loans and leases to deposits | 62.2440% | 4,508 |
| Net loans and leases to core deposits | 65.8667% | 4,552 |
| Total domestic deposits to total assets | 90.0331% | 1,026 |
| Equity capital to assets | 9.5265% | 4,812 |
| Core capital (leverage) ratio | 9.0467% | 4,813 |
| Tier 1 risk-based capital ratio | 13.6367% | 4,768 |
| Total risk-based capital ratio | 14.8917% | 4,733 |
| Memoranda: | ||
| Average total assets | $161,970,500 | 3,615 |
| Average earning assets | $147,326,000 | 3,636 |
| Average equity | $15,363,500 | 3,929 |
| Average total loans | $92,442,500 | 3,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,977 |
| Cost of funding earning assets | 1.1404% | 768 |
| Net interest margin | 3.2226% | 5,511 |
| Noninterest income to average assets | 0.5690% | 3,453 |
| Noninterest expense to average assets | 3.0800% | 2,985 |
| Loan and lease loss provision to assets | 0.4113% | 1,565 |
| Net operating income to assets | 0.1983% | 5,791 |
| Return on assets (ROA) | 0.2581% | 5,814 |
| Pretax return on assets | 0.1068% | 6,148 |
| Return on Equity (ROE) | 2.6917% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.6917% | 4,341 |
| Net charge-offs to loans | 0.2236% | 3,604 |
| Credit loss provision to net charge-offs | 320.2970% | 761 |
| Earnings coverage of net charge-offs (x) | 3.5693% | 3,678 |
| Efficiency ratio | 87.0464% | 1,327 |
| Assets per employee ($millions) | 3.8635% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,517 |
| Loan loss allowance to noncurrent loans | 89.3538% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.6399% | 2,942 |
| Noncurrent loans to loans | 2.0400% | 2,655 |
| Net loans and leases to total assets | 55.9951% | 4,292 |
| Net loans and leases to deposits | 62.1344% | 4,769 |
| Net loans and leases to core deposits | 65.5596% | 4,784 |
| Total domestic deposits to total assets | 90.1193% | 890 |
| Equity capital to assets | 9.4444% | 4,942 |
| Core capital (leverage) ratio | 9.3386% | 4,344 |
| Tier 1 risk-based capital ratio | 13.6937% | 4,608 |
| Total risk-based capital ratio | 14.9480% | 4,554 |
| Memoranda: | ||
| Average total assets | $157,305,000 | 3,665 |
| Average earning assets | $144,947,200 | 3,641 |
| Average equity | $15,083,600 | 3,949 |
| Average total loans | $90,345,200 | 3,741 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 3,966 |
| Cost of funding earning assets | 1.1726% | 790 |
| Net interest margin | 3.2472% | 5,556 |
| Noninterest income to average assets | 0.5100% | 3,855 |
| Noninterest expense to average assets | 3.0927% | 2,910 |
| Loan and lease loss provision to assets | 0.5528% | 1,044 |
| Net operating income to assets | 0.1434% | 6,045 |
| Return on assets (ROA) | 0.1615% | 6,157 |
| Pretax return on assets | -0.1025% | 6,481 |
| Return on Equity (ROE) | 1.6773% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.6773% | 5,494 |
| Net charge-offs to loans | 0.2999% | 2,941 |
| Credit loss provision to net charge-offs | 320.2970% | 837 |
| Earnings coverage of net charge-offs (x) | 2.4455% | 4,061 |
| Efficiency ratio | 87.9922% | 1,194 |
| Assets per employee ($millions) | 3.6899% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 2,627 |
| Loan loss allowance to noncurrent loans | 70.6868% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 2,642 |
| Noncurrent loans to loans | 2.6260% | 2,164 |
| Net loans and leases to total assets | 57.5903% | 4,193 |
| Net loans and leases to deposits | 64.2599% | 4,680 |
| Net loans and leases to core deposits | 67.8795% | 4,736 |
| Total domestic deposits to total assets | 89.6208% | 1,060 |
| Equity capital to assets | 9.8055% | 4,774 |
| Core capital (leverage) ratio | 9.0445% | 4,993 |
| Tier 1 risk-based capital ratio | 13.4082% | 4,944 |
| Total risk-based capital ratio | 14.6625% | 4,896 |
| Memoranda: | ||
| Average total assets | $156,064,750 | 3,722 |
| Average earning assets | $144,409,250 | 3,683 |
| Average equity | $15,023,250 | 3,997 |
| Average total loans | $89,794,500 | 3,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 4,014 |
| Cost of funding earning assets | 1.1941% | 839 |
| Net interest margin | 3.2486% | 5,597 |
| Noninterest income to average assets | 0.5370% | 3,667 |
| Noninterest expense to average assets | 3.0966% | 2,936 |
| Loan and lease loss provision to assets | 0.8272% | 592 |
| Net operating income to assets | 0.0510% | 6,254 |
| Return on assets (ROA) | 0.0780% | 6,350 |
| Pretax return on assets | -0.3465% | 6,668 |
| Return on Equity (ROE) | 0.8152% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.8152% | 5,742 |
| Net charge-offs to loans | 0.4362% | 2,296 |
| Credit loss provision to net charge-offs | 331.7949% | 894 |
| Earnings coverage of net charge-offs (x) | 1.7590% | 4,100 |
| Efficiency ratio | 87.5949% | 1,271 |
| Assets per employee ($millions) | 3.7222% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,553 |
| Loan loss allowance to noncurrent loans | 75.9301% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7904% | 3,052 |
| Noncurrent loans to loans | 2.5062% | 2,407 |
| Net loans and leases to total assets | 55.8590% | 4,489 |
| Net loans and leases to deposits | 62.2184% | 4,970 |
| Net loans and leases to core deposits | 65.9009% | 5,017 |
| Total domestic deposits to total assets | 89.7789% | 1,056 |
| Equity capital to assets | 9.5859% | 4,931 |
| Core capital (leverage) ratio | 9.1519% | 4,686 |
| Tier 1 risk-based capital ratio | 13.8290% | 4,580 |
| Total risk-based capital ratio | 15.0839% | 4,546 |
| Memoranda: | ||
| Average total assets | $156,428,330 | 3,732 |
| Average earning assets | $144,371,670 | 3,707 |
| Average equity | $14,965,670 | 3,994 |
| Average total loans | $89,413,330 | 3,821 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 4,285 |
| Cost of funding earning assets | 1.2257% | 867 |
| Net interest margin | 3.1857% | 5,819 |
| Noninterest income to average assets | 0.6340% | 3,034 |
| Noninterest expense to average assets | 2.9883% | 3,293 |
| Loan and lease loss provision to assets | 1.1503% | 340 |
| Net operating income to assets | 0.1355% | 6,160 |
| Return on assets (ROA) | 0.1355% | 6,282 |
| Pretax return on assets | -0.5547% | 6,849 |
| Return on Equity (ROE) | 1.4175% | 6,251 |
| Retained earnings to average equity (ytd only) | 1.4175% | 5,530 |
| Net charge-offs to loans | 0.2455% | 2,703 |
| Credit loss provision to net charge-offs | 818.1818% | 425 |
| Earnings coverage of net charge-offs (x) | 4.2364% | 2,625 |
| Efficiency ratio | 83.3809% | 1,749 |
| Assets per employee ($millions) | 3.6190% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 2,916 |
| Loan loss allowance to noncurrent loans | 64.4488% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1489% | 2,733 |
| Noncurrent loans to loans | 2.8285% | 2,281 |
| Net loans and leases to total assets | 56.6541% | 4,264 |
| Net loans and leases to deposits | 63.0851% | 4,758 |
| Net loans and leases to core deposits | 67.0357% | 4,793 |
| Total domestic deposits to total assets | 89.8058% | 1,188 |
| Equity capital to assets | 9.5985% | 4,655 |
| Core capital (leverage) ratio | 9.0254% | 4,803 |
| Tier 1 risk-based capital ratio | 13.5564% | 4,789 |
| Total risk-based capital ratio | 14.8102% | 4,769 |
| Memoranda: | ||
| Average total assets | $156,476,000 | 3,753 |
| Average earning assets | $144,898,000 | 3,718 |
| Average equity | $14,955,500 | 4,002 |
| Average total loans | $89,610,000 | 3,838 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 3,703 |
| Cost of funding earning assets | 1.3800% | 1,122 |
| Net interest margin | 3.4418% | 5,362 |
| Noninterest income to average assets | 0.4410% | 4,296 |
| Noninterest expense to average assets | 2.9838% | 3,650 |
| Loan and lease loss provision to assets | 0.8355% | 1,168 |
| Net operating income to assets | -0.0054% | 6,046 |
| Return on assets (ROA) | 0.0931% | 5,997 |
| Pretax return on assets | -0.0278% | 6,157 |
| Return on Equity (ROE) | 0.9568% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.9568% | 5,412 |
| Net charge-offs to loans | 1.8286% | 800 |
| Credit loss provision to net charge-offs | 78.1609% | 4,547 |
| Earnings coverage of net charge-offs (x) | 0.6116% | 5,363 |
| Efficiency ratio | 82.0267% | 2,019 |
| Assets per employee ($millions) | 3.7460% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,518 |
| Loan loss allowance to noncurrent loans | 32.3606% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.4458% | 2,491 |
| Noncurrent loans to loans | 4.2922% | 1,420 |
| Net loans and leases to total assets | 56.0445% | 4,691 |
| Net loans and leases to deposits | 62.3075% | 5,199 |
| Net loans and leases to core deposits | 66.0077% | 5,251 |
| Total domestic deposits to total assets | 89.9481% | 1,021 |
| Equity capital to assets | 9.5173% | 4,858 |
| Core capital (leverage) ratio | 9.2970% | 4,335 |
| Tier 1 risk-based capital ratio | 13.9162% | 4,383 |
| Total risk-based capital ratio | 15.1253% | 4,375 |
| Memoranda: | ||
| Average total assets | $154,633,800 | 3,726 |
| Average earning assets | $143,618,200 | 3,683 |
| Average equity | $15,050,400 | 3,898 |
| Average total loans | $90,396,600 | 3,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 3,522 |
| Cost of funding earning assets | 1.4069% | 1,206 |
| Net interest margin | 3.5001% | 5,187 |
| Noninterest income to average assets | 0.4356% | 4,397 |
| Noninterest expense to average assets | 2.9808% | 3,624 |
| Loan and lease loss provision to assets | 0.7240% | 1,325 |
| Net operating income to assets | 0.0883% | 5,990 |
| Return on assets (ROA) | 0.1446% | 5,973 |
| Pretax return on assets | 0.0468% | 6,161 |
| Return on Equity (ROE) | 1.4776% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.4776% | 5,403 |
| Net charge-offs to loans | 2.0726% | 599 |
| Credit loss provision to net charge-offs | 59.3329% | 4,825 |
| Earnings coverage of net charge-offs (x) | 0.5855% | 5,185 |
| Efficiency ratio | 80.6656% | 2,161 |
| Assets per employee ($millions) | 3.6281% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,714 |
| Loan loss allowance to noncurrent loans | 29.5552% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 2.2936% | 2,794 |
| Noncurrent loans to loans | 3.8676% | 1,728 |
| Net loans and leases to total assets | 58.4578% | 4,421 |
| Net loans and leases to deposits | 65.3851% | 4,996 |
| Net loans and leases to core deposits | 69.2734% | 5,030 |
| Total domestic deposits to total assets | 89.4054% | 1,189 |
| Equity capital to assets | 9.9311% | 4,434 |
| Core capital (leverage) ratio | 9.1046% | 4,781 |
| Tier 1 risk-based capital ratio | 13.8308% | 4,474 |
| Total risk-based capital ratio | 14.8257% | 4,648 |
| Memoranda: | ||
| Average total assets | $153,958,750 | 3,757 |
| Average earning assets | $143,384,750 | 3,714 |
| Average equity | $15,069,500 | 3,903 |
| Average total loans | $90,641,000 | 3,879 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 3,361 |
| Cost of funding earning assets | 1.4314% | 1,271 |
| Net interest margin | 3.5277% | 5,024 |
| Noninterest income to average assets | 0.4441% | 4,324 |
| Noninterest expense to average assets | 3.0009% | 3,638 |
| Loan and lease loss provision to assets | 0.8467% | 1,067 |
| Net operating income to assets | 0.0533% | 6,111 |
| Return on assets (ROA) | 0.0997% | 6,097 |
| Pretax return on assets | -0.0479% | 6,315 |
| Return on Equity (ROE) | 1.0234% | 6,081 |
| Retained earnings to average equity (ytd only) | 1.0234% | 5,453 |
| Net charge-offs to loans | 1.4336% | 1,050 |
| Credit loss provision to net charge-offs | 100.4608% | 3,087 |
| Earnings coverage of net charge-offs (x) | 0.8618% | 4,650 |
| Efficiency ratio | 80.5141% | 2,312 |
| Assets per employee ($millions) | 3.6328% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 3,064 |
| Loan loss allowance to noncurrent loans | 40.3924% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 2.6183% | 2,545 |
| Noncurrent loans to loans | 4.4060% | 1,527 |
| Net loans and leases to total assets | 58.0912% | 4,608 |
| Net loans and leases to deposits | 65.0570% | 5,140 |
| Net loans and leases to core deposits | 68.8534% | 5,206 |
| Total domestic deposits to total assets | 89.2928% | 1,363 |
| Equity capital to assets | 9.9293% | 4,244 |
| Core capital (leverage) ratio | 9.2826% | 4,270 |
| Tier 1 risk-based capital ratio | 13.8808% | 4,250 |
| Total risk-based capital ratio | 15.1345% | 4,218 |
| Memoranda: | ||
| Average total assets | $154,485,000 | 3,772 |
| Average earning assets | $143,777,000 | 3,726 |
| Average equity | $15,048,330 | 3,898 |
| Average total loans | $90,818,670 | 3,924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 3,525 |
| Cost of funding earning assets | 1.4702% | 1,297 |
| Net interest margin | 3.4432% | 5,251 |
| Noninterest income to average assets | 0.4503% | 4,282 |
| Noninterest expense to average assets | 2.9285% | 3,953 |
| Loan and lease loss provision to assets | 0.5404% | 1,603 |
| Net operating income to assets | 0.2908% | 5,453 |
| Return on assets (ROA) | 0.2908% | 5,529 |
| Pretax return on assets | 0.1879% | 5,968 |
| Return on Equity (ROE) | 3.0138% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.0138% | 4,357 |
| Net charge-offs to loans | -0.0922% | 7,062 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0844% | 2,515 |
| Assets per employee ($millions) | 3.7927% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 2,351 |
| Loan loss allowance to noncurrent loans | 42.8205% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.8727% | 2,404 |
| Noncurrent loans to loans | 4.7226% | 1,462 |
| Net loans and leases to total assets | 57.1438% | 4,776 |
| Net loans and leases to deposits | 63.7601% | 5,284 |
| Net loans and leases to core deposits | 67.9920% | 5,290 |
| Total domestic deposits to total assets | 89.6231% | 1,415 |
| Equity capital to assets | 9.6721% | 4,218 |
| Core capital (leverage) ratio | 9.1486% | 4,376 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,522 |
| Total risk-based capital ratio | 14.6341% | 4,498 |
| Memoranda: | ||
| Average total assets | $155,438,000 | 3,785 |
| Average earning assets | $144,747,000 | 3,735 |
| Average equity | $14,997,500 | 3,904 |
| Average total loans | $91,107,500 | 3,950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 3,272 |
| Cost of funding earning assets | 1.7569% | 1,357 |
| Net interest margin | 3.5131% | 5,194 |
| Noninterest income to average assets | 0.2949% | 5,676 |
| Noninterest expense to average assets | 2.8061% | 4,583 |
| Loan and lease loss provision to assets | 0.2584% | 4,726 |
| Net operating income to assets | 0.3636% | 4,698 |
| Return on assets (ROA) | 0.4263% | 4,570 |
| Pretax return on assets | 0.5364% | 4,511 |
| Return on Equity (ROE) | 4.4022% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.4022% | 2,773 |
| Net charge-offs to loans | 0.0077% | 6,763 |
| Credit loss provision to net charge-offs | 5,671.4286% | 32 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 159 |
| Efficiency ratio | 79.6858% | 2,457 |
| Assets per employee ($millions) | 3.7897% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 3,023 |
| Loan loss allowance to noncurrent loans | 53.3089% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 2.1316% | 3,173 |
| Noncurrent loans to loans | 3.2855% | 2,307 |
| Net loans and leases to total assets | 57.8721% | 5,046 |
| Net loans and leases to deposits | 64.5439% | 5,569 |
| Net loans and leases to core deposits | 68.3865% | 5,621 |
| Total domestic deposits to total assets | 89.6632% | 1,288 |
| Equity capital to assets | 9.6250% | 4,245 |
| Core capital (leverage) ratio | 9.2905% | 4,022 |
| Tier 1 risk-based capital ratio | 13.6100% | 4,126 |
| Total risk-based capital ratio | 14.8641% | 4,092 |
| Memoranda: | ||
| Average total assets | $153,631,000 | 3,814 |
| Average earning assets | $141,100,000 | 3,794 |
| Average equity | $14,878,800 | 3,962 |
| Average total loans | $90,347,600 | 4,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 3,165 |
| Cost of funding earning assets | 1.8140% | 1,366 |
| Net interest margin | 3.5262% | 5,196 |
| Noninterest income to average assets | 0.3116% | 5,662 |
| Noninterest expense to average assets | 2.8216% | 4,395 |
| Loan and lease loss provision to assets | 0.1854% | 5,188 |
| Net operating income to assets | 0.4141% | 4,688 |
| Return on assets (ROA) | 0.4691% | 4,638 |
| Pretax return on assets | 0.6031% | 4,583 |
| Return on Equity (ROE) | 4.8362% | 4,380 |
| Retained earnings to average equity (ytd only) | 4.8362% | 3,095 |
| Net charge-offs to loans | -0.0207% | 7,359 |
| Credit loss provision to net charge-offs | -1,521.4286% | 7,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7148% | 2,385 |
| Assets per employee ($millions) | 3.7317% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 3,578 |
| Loan loss allowance to noncurrent loans | 38.6370% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 2.8098% | 2,585 |
| Noncurrent loans to loans | 4.1069% | 1,801 |
| Net loans and leases to total assets | 58.3733% | 5,204 |
| Net loans and leases to deposits | 65.4569% | 5,728 |
| Net loans and leases to core deposits | 69.3056% | 5,822 |
| Total domestic deposits to total assets | 89.1783% | 1,298 |
| Equity capital to assets | 9.9681% | 4,198 |
| Core capital (leverage) ratio | 9.1321% | 4,480 |
| Tier 1 risk-based capital ratio | 13.5782% | 4,136 |
| Total risk-based capital ratio | 14.8301% | 4,083 |
| Memoranda: | ||
| Average total assets | $153,194,500 | 3,871 |
| Average earning assets | $140,241,500 | 3,868 |
| Average equity | $14,859,750 | 4,017 |
| Average total loans | $90,053,750 | 4,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 3,022 |
| Cost of funding earning assets | 1.8652% | 1,355 |
| Net interest margin | 3.5231% | 5,144 |
| Noninterest income to average assets | 0.3445% | 5,390 |
| Noninterest expense to average assets | 2.8044% | 4,461 |
| Loan and lease loss provision to assets | 0.1618% | 5,272 |
| Net operating income to assets | 0.4508% | 4,553 |
| Return on assets (ROA) | 0.5311% | 4,341 |
| Pretax return on assets | 0.7008% | 4,238 |
| Return on Equity (ROE) | 5.5264% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.5264% | 2,596 |
| Net charge-offs to loans | -0.0334% | 7,373 |
| Credit loss provision to net charge-offs | -826.6667% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7468% | 2,616 |
| Assets per employee ($millions) | 3.4016% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,016 |
| Loan loss allowance to noncurrent loans | 82.3386% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5026% | 4,200 |
| Noncurrent loans to loans | 1.7973% | 4,004 |
| Net loans and leases to total assets | 58.8025% | 5,283 |
| Net loans and leases to deposits | 65.8572% | 5,820 |
| Net loans and leases to core deposits | 70.1666% | 5,857 |
| Total domestic deposits to total assets | 89.2879% | 1,289 |
| Equity capital to assets | 9.7433% | 4,350 |
| Core capital (leverage) ratio | 9.1006% | 4,461 |
| Tier 1 risk-based capital ratio | 13.3870% | 4,145 |
| Total risk-based capital ratio | 14.6377% | 4,109 |
| Memoranda: | ||
| Average total assets | $153,260,000 | 3,897 |
| Average earning assets | $139,933,670 | 3,908 |
| Average equity | $14,729,330 | 4,043 |
| Average total loans | $89,821,670 | 4,143 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 3,010 |
| Cost of funding earning assets | 1.8934% | 1,477 |
| Net interest margin | 3.5126% | 5,107 |
| Noninterest income to average assets | 0.5191% | 3,898 |
| Noninterest expense to average assets | 2.7518% | 4,684 |
| Loan and lease loss provision to assets | 0.0835% | 5,803 |
| Net operating income to assets | 0.6068% | 3,862 |
| Return on assets (ROA) | 0.6938% | 3,581 |
| Pretax return on assets | 0.9807% | 3,162 |
| Return on Equity (ROE) | 7.2692% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.2692% | 2,025 |
| Net charge-offs to loans | -0.0584% | 7,387 |
| Credit loss provision to net charge-offs | -246.1538% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5056% | 3,487 |
| Assets per employee ($millions) | 3.6649% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,347 |
| Loan loss allowance to noncurrent loans | 91.2917% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 4,181 |
| Noncurrent loans to loans | 1.5488% | 4,421 |
| Net loans and leases to total assets | 56.9832% | 5,611 |
| Net loans and leases to deposits | 63.7530% | 6,076 |
| Net loans and leases to core deposits | 67.5269% | 6,146 |
| Total domestic deposits to total assets | 89.3813% | 1,311 |
| Equity capital to assets | 9.6118% | 4,363 |
| Core capital (leverage) ratio | 9.1816% | 4,256 |
| Tier 1 risk-based capital ratio | 13.7109% | 3,856 |
| Total risk-based capital ratio | 14.9621% | 3,808 |
| Memoranda: | ||
| Average total assets | $153,355,000 | 3,953 |
| Average earning assets | $138,585,000 | 3,990 |
| Average equity | $14,637,000 | 4,090 |
| Average total loans | $89,052,000 | 4,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 2,586 |
| Cost of funding earning assets | 2.3222% | 1,574 |
| Net interest margin | 3.4956% | 4,971 |
| Noninterest income to average assets | 0.0851% | 7,331 |
| Noninterest expense to average assets | 3.0491% | 3,949 |
| Loan and lease loss provision to assets | 1.0001% | 2,274 |
| Net operating income to assets | -0.3762% | 6,054 |
| Return on assets (ROA) | -0.3771% | 6,047 |
| Pretax return on assets | -0.8048% | 6,266 |
| Return on Equity (ROE) | -3.8188% | 6,097 |
| Retained earnings to average equity (ytd only) | -4.9001% | 6,009 |
| Net charge-offs to loans | 1.4113% | 1,777 |
| Credit loss provision to net charge-offs | 119.4512% | 4,492 |
| Earnings coverage of net charge-offs (x) | 0.2349% | 5,895 |
| Efficiency ratio | 93.9413% | 1,418 |
| Assets per employee ($millions) | 3.6377% | 4,675 |
| Cash dividends to net income (ytd only)* | -28.3154% | 7,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 4,429 |
| Loan loss allowance to noncurrent loans | 59.5191% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 3,318 |
| Noncurrent loans to loans | 2.2864% | 3,300 |
| Net loans and leases to total assets | 57.5459% | 5,736 |
| Net loans and leases to deposits | 64.4407% | 6,221 |
| Net loans and leases to core deposits | 82.1315% | 5,897 |
| Total domestic deposits to total assets | 89.3006% | 1,331 |
| Equity capital to assets | 9.4768% | 4,444 |
| Core capital (leverage) ratio | 9.1661% | 4,173 |
| Tier 1 risk-based capital ratio | 13.4073% | 3,876 |
| Total risk-based capital ratio | 14.6122% | 3,848 |
| Memoranda: | ||
| Average total assets | $147,979,000 | 3,987 |
| Average earning assets | $133,796,200 | 4,014 |
| Average equity | $14,612,000 | 4,125 |
| Average total loans | $87,793,600 | 4,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 2,768 |
| Cost of funding earning assets | 2.4256% | 1,541 |
| Net interest margin | 3.4019% | 5,254 |
| Noninterest income to average assets | 0.3706% | 5,549 |
| Noninterest expense to average assets | 3.0404% | 3,880 |
| Loan and lease loss provision to assets | 0.7939% | 2,380 |
| Net operating income to assets | -0.1206% | 5,920 |
| Return on assets (ROA) | -0.1217% | 5,953 |
| Pretax return on assets | -0.3824% | 6,176 |
| Return on Equity (ROE) | -1.2199% | 5,970 |
| Retained earnings to average equity (ytd only) | -2.6583% | 5,857 |
| Net charge-offs to loans | 1.6388% | 1,237 |
| Credit loss provision to net charge-offs | 81.3023% | 5,727 |
| Earnings coverage of net charge-offs (x) | 0.4233% | 5,606 |
| Efficiency ratio | 88.0326% | 1,871 |
| Assets per employee ($millions) | 3.6025% | 4,680 |
| Cash dividends to net income (ytd only)* | -117.9111% | 8,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,869 |
| Loan loss allowance to noncurrent loans | 39.2366% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 3,252 |
| Noncurrent loans to loans | 2.2256% | 3,349 |
| Net loans and leases to total assets | 59.2536% | 5,701 |
| Net loans and leases to deposits | 66.8168% | 6,228 |
| Net loans and leases to core deposits | 85.6846% | 5,893 |
| Total domestic deposits to total assets | 88.6807% | 1,348 |
| Equity capital to assets | 10.0945% | 3,966 |
| Core capital (leverage) ratio | 9.3419% | 4,123 |
| Tier 1 risk-based capital ratio | 14.0962% | 3,490 |
| Total risk-based capital ratio | 14.8770% | 3,703 |
| Memoranda: | ||
| Average total assets | $146,777,750 | 4,024 |
| Average earning assets | $133,020,750 | 4,054 |
| Average equity | $14,645,250 | 4,157 |
| Average total loans | $87,458,500 | 4,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8612% | 2,757 |
| Cost of funding earning assets | 2.5113% | 1,573 |
| Net interest margin | 3.3499% | 5,364 |
| Noninterest income to average assets | 0.3482% | 5,719 |
| Noninterest expense to average assets | 3.1297% | 3,581 |
| Loan and lease loss provision to assets | 0.1338% | 5,747 |
| Net operating income to assets | 0.2116% | 5,225 |
| Return on assets (ROA) | 0.2089% | 5,309 |
| Pretax return on assets | 0.1311% | 5,600 |
| Return on Equity (ROE) | 2.1021% | 5,264 |
| Retained earnings to average equity (ytd only) | -0.0687% | 5,236 |
| Net charge-offs to loans | 0.4015% | 3,191 |
| Credit loss provision to net charge-offs | 56.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | 1.1200% | 4,685 |
| Efficiency ratio | 92.1222% | 1,630 |
| Assets per employee ($millions) | 3.5132% | 4,788 |
| Cash dividends to net income (ytd only)* | 103.2680% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,138 |
| Loan loss allowance to noncurrent loans | 39.8841% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 3,484 |
| Noncurrent loans to loans | 2.5376% | 2,850 |
| Net loans and leases to total assets | 59.3238% | 5,787 |
| Net loans and leases to deposits | 66.7139% | 6,331 |
| Net loans and leases to core deposits | 85.2634% | 5,990 |
| Total domestic deposits to total assets | 88.9226% | 1,302 |
| Equity capital to assets | 9.9578% | 4,004 |
| Core capital (leverage) ratio | 9.7523% | 3,570 |
| Tier 1 risk-based capital ratio | 14.4406% | 3,284 |
| Total risk-based capital ratio | 15.3503% | 3,396 |
| Memoranda: | ||
| Average total assets | $146,469,000 | 4,063 |
| Average earning assets | $133,318,000 | 4,078 |
| Average equity | $14,557,000 | 4,191 |
| Average total loans | $87,181,000 | 4,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8574% | 3,001 |
| Cost of funding earning assets | 2.6046% | 1,551 |
| Net interest margin | 3.2528% | 5,683 |
| Noninterest income to average assets | 0.4660% | 4,629 |
| Noninterest expense to average assets | 3.0207% | 3,671 |
| Loan and lease loss provision to assets | 0.0548% | 6,277 |
| Net operating income to assets | 0.3152% | 5,241 |
| Return on assets (ROA) | 0.3152% | 5,415 |
| Pretax return on assets | 0.3755% | 5,462 |
| Return on Equity (ROE) | 3.1748% | 5,292 |
| Retained earnings to average equity (ytd only) | 0.0552% | 5,632 |
| Net charge-offs to loans | 0.5777% | 2,018 |
| Credit loss provision to net charge-offs | 16.0000% | 5,128 |
| Earnings coverage of net charge-offs (x) | 1.2560% | 4,114 |
| Efficiency ratio | 87.5298% | 1,928 |
| Assets per employee ($millions) | 3.3891% | 5,100 |
| Cash dividends to net income (ytd only)* | 98.2609% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,239 |
| Loan loss allowance to noncurrent loans | 32.2185% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1883% | 2,615 |
| Noncurrent loans to loans | 3.0828% | 2,102 |
| Net loans and leases to total assets | 59.3035% | 5,768 |
| Net loans and leases to deposits | 66.5688% | 6,323 |
| Net loans and leases to core deposits | 85.5241% | 5,946 |
| Total domestic deposits to total assets | 89.0860% | 1,193 |
| Equity capital to assets | 9.9190% | 4,088 |
| Core capital (leverage) ratio | 9.6566% | 3,809 |
| Tier 1 risk-based capital ratio | 14.5558% | 3,281 |
| Total risk-based capital ratio | 15.4436% | 3,413 |
| Memoranda: | ||
| Average total assets | $145,927,000 | 4,076 |
| Average earning assets | $133,915,000 | 4,075 |
| Average equity | $14,489,000 | 4,230 |
| Average total loans | $86,557,000 | 4,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 4,692 |
| Cost of funding earning assets | 2.9536% | 2,045 |
| Net interest margin | 3.2124% | 6,334 |
| Noninterest income to average assets | 0.3652% | 5,794 |
| Noninterest expense to average assets | 2.8294% | 4,697 |
| Loan and lease loss provision to assets | 0.0821% | 6,361 |
| Net operating income to assets | 0.4112% | 5,108 |
| Return on assets (ROA) | 0.4138% | 4,912 |
| Pretax return on assets | 0.4452% | 5,136 |
| Return on Equity (ROE) | 4.1886% | 4,745 |
| Retained earnings to average equity (ytd only) | -0.0208% | 5,266 |
| Net charge-offs to loans | 0.1669% | 4,532 |
| Credit loss provision to net charge-offs | 83.9161% | 5,809 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 3,668 |
| Efficiency ratio | 84.3597% | 2,015 |
| Assets per employee ($millions) | 3.1766% | 5,548 |
| Cash dividends to net income (ytd only)* | 100.4959% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 5,039 |
| Loan loss allowance to noncurrent loans | 71.3133% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 3,682 |
| Noncurrent loans to loans | 1.5881% | 3,392 |
| Net loans and leases to total assets | 58.0685% | 6,189 |
| Net loans and leases to deposits | 65.2904% | 6,692 |
| Net loans and leases to core deposits | 84.2429% | 6,270 |
| Total domestic deposits to total assets | 88.9388% | 1,071 |
| Equity capital to assets | 9.9388% | 4,113 |
| Core capital (leverage) ratio | 9.7238% | 3,741 |
| Tier 1 risk-based capital ratio | 14.8079% | 3,143 |
| Total risk-based capital ratio | 15.8206% | 3,181 |
| Memoranda: | ||
| Average total assets | $146,216,600 | 3,969 |
| Average earning assets | $136,035,600 | 3,930 |
| Average equity | $14,444,000 | 4,246 |
| Average total loans | $85,678,800 | 4,340 |