Home > Farmers & Merchants Bank & Trust > Performance and Condition Ratios
Farmers & Merchants Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 4,273 |
| Cost of funding earning assets | 0.9215% | 4,061 |
| Net interest margin | 3.0749% | 3,251 |
| Noninterest income to average assets | 1.6300% | 325 |
| Noninterest expense to average assets | 3.7370% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5362% | 3,500 |
| Return on assets (ROA) | 0.5362% | 3,516 |
| Pretax return on assets | 0.6698% | 3,452 |
| Return on Equity (ROE) | 8.7400% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.7371% | 1,492 |
| Net charge-offs to loans | -0.0100% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 84.8357% | 701 |
| Assets per employee ($millions) | 4.5782% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,251 |
| Loan loss allowance to noncurrent loans | 416.0099% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,567 |
| Noncurrent loans to loans | 0.3405% | 2,279 |
| Net loans and leases to total assets | 54.6400% | 3,297 |
| Net loans and leases to deposits | 61.1154% | 3,434 |
| Net loans and leases to core deposits | 61.1154% | 3,654 |
| Total domestic deposits to total assets | 89.4000% | 1,026 |
| Equity capital to assets | 6.5230% | 4,146 |
| Core capital (leverage) ratio | 9.6434% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1493% | 865 |
| Memoranda: | ||
| Average total assets | $215,573,500 | 2,921 |
| Average earning assets | $194,475,500 | 2,950 |
| Average equity | $13,231,000 | 3,508 |
| Average total loans | $119,896,000 | 3,025 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 4,306 |
| Cost of funding earning assets | 1.1739% | 3,847 |
| Net interest margin | 2.7724% | 3,525 |
| Noninterest income to average assets | 1.5300% | 345 |
| Noninterest expense to average assets | 3.5876% | 527 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.3773% | 3,717 |
| Return on assets (ROA) | 0.3773% | 3,748 |
| Pretax return on assets | 0.4518% | 3,726 |
| Return on Equity (ROE) | 7.3400% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.6378% | 2,768 |
| Net charge-offs to loans | 0.0016% | 2,985 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 541.0000% | 240 |
| Efficiency ratio | 88.6189% | 565 |
| Assets per employee ($millions) | 4.5951% | 3,881 |
| Cash dividends to net income (ytd only)* | 50.4515% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,324 |
| Loan loss allowance to noncurrent loans | 981.2865% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 3,122 |
| Noncurrent loans to loans | 0.1419% | 2,959 |
| Net loans and leases to total assets | 55.0400% | 3,339 |
| Net loans and leases to deposits | 64.6075% | 3,304 |
| Net loans and leases to core deposits | 64.6075% | 3,587 |
| Total domestic deposits to total assets | 85.1800% | 2,470 |
| Equity capital to assets | 5.7536% | 4,245 |
| Core capital (leverage) ratio | 9.0785% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5960% | 952 |
| Memoranda: | ||
| Average total assets | $234,839,000 | 2,786 |
| Average earning assets | $213,313,200 | 2,811 |
| Average equity | $12,067,600 | 3,595 |
| Average total loans | $121,235,200 | 2,982 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,347 |
| Cost of funding earning assets | 1.1951% | 3,823 |
| Net interest margin | 2.6800% | 3,631 |
| Noninterest income to average assets | 1.5000% | 349 |
| Noninterest expense to average assets | 3.3584% | 678 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.4664% | 3,544 |
| Return on assets (ROA) | 0.4664% | 3,577 |
| Pretax return on assets | 0.5838% | 3,499 |
| Return on Equity (ROE) | 9.3300% | 2,378 |
| Retained earnings to average equity (ytd only) | 6.4227% | 1,944 |
| Net charge-offs to loans | -0.0033% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.3103% | 737 |
| Assets per employee ($millions) | 4.9845% | 3,657 |
| Cash dividends to net income (ytd only)* | 31.1456% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,447 |
| Loan loss allowance to noncurrent loans | 661.6000% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,994 |
| Noncurrent loans to loans | 0.2069% | 2,708 |
| Net loans and leases to total assets | 49.8100% | 3,644 |
| Net loans and leases to deposits | 58.7527% | 3,649 |
| Net loans and leases to core deposits | 58.7527% | 3,821 |
| Total domestic deposits to total assets | 84.7700% | 2,373 |
| Equity capital to assets | 5.8527% | 4,365 |
| Core capital (leverage) ratio | 8.7984% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3359% | 1,035 |
| Memoranda: | ||
| Average total assets | $239,556,000 | 2,755 |
| Average earning assets | $218,101,500 | 2,776 |
| Average equity | $11,978,000 | 3,607 |
| Average total loans | $121,409,250 | 2,978 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 4,362 |
| Cost of funding earning assets | 1.2036% | 3,781 |
| Net interest margin | 2.6486% | 3,672 |
| Noninterest income to average assets | 1.4400% | 369 |
| Noninterest expense to average assets | 3.3506% | 685 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.3914% | 3,679 |
| Return on assets (ROA) | 0.3914% | 3,718 |
| Pretax return on assets | 0.4840% | 3,657 |
| Return on Equity (ROE) | 8.3000% | 2,662 |
| Retained earnings to average equity (ytd only) | 5.4499% | 2,198 |
| Net charge-offs to loans | -0.0033% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 87.0744% | 703 |
| Assets per employee ($millions) | 4.7381% | 3,787 |
| Cash dividends to net income (ytd only)* | 34.3284% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,485 |
| Loan loss allowance to noncurrent loans | 664.4000% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,937 |
| Noncurrent loans to loans | 0.2058% | 2,667 |
| Net loans and leases to total assets | 50.5800% | 3,610 |
| Net loans and leases to deposits | 59.0538% | 3,619 |
| Net loans and leases to core deposits | 59.0538% | 3,796 |
| Total domestic deposits to total assets | 85.6600% | 2,093 |
| Equity capital to assets | 4.9319% | 4,376 |
| Core capital (leverage) ratio | 8.5234% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3624% | 1,024 |
| Memoranda: | ||
| Average total assets | $239,655,333 | 2,757 |
| Average earning assets | $217,853,667 | 2,775 |
| Average equity | $11,303,000 | 3,649 |
| Average total loans | $121,606,333 | 2,974 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,419 |
| Cost of funding earning assets | 1.1736% | 3,770 |
| Net interest margin | 2.5060% | 3,858 |
| Noninterest income to average assets | 1.4600% | 340 |
| Noninterest expense to average assets | 3.3042% | 723 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.3452% | 3,730 |
| Return on assets (ROA) | 0.3452% | 3,751 |
| Pretax return on assets | 0.4232% | 3,712 |
| Return on Equity (ROE) | 7.4900% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.4871% | 1,685 |
| Net charge-offs to loans | -0.0033% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.4889% | 655 |
| Assets per employee ($millions) | 4.7782% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,509 |
| Loan loss allowance to noncurrent loans | 499.3958% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,750 |
| Noncurrent loans to loans | 0.2732% | 2,333 |
| Net loans and leases to total assets | 48.0900% | 3,698 |
| Net loans and leases to deposits | 55.5409% | 3,721 |
| Net loans and leases to core deposits | 55.6055% | 3,921 |
| Total domestic deposits to total assets | 86.5900% | 1,908 |
| Equity capital to assets | 4.5503% | 4,434 |
| Core capital (leverage) ratio | 8.5188% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3089% | 1,033 |
| Memoranda: | ||
| Average total assets | $241,030,000 | 2,751 |
| Average earning assets | $219,150,500 | 2,773 |
| Average equity | $11,112,500 | 3,675 |
| Average total loans | $121,661,500 | 2,977 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 4,432 |
| Cost of funding earning assets | 0.9230% | 3,470 |
| Net interest margin | 2.4726% | 4,116 |
| Noninterest income to average assets | 1.4300% | 412 |
| Noninterest expense to average assets | 3.6625% | 474 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.0166% | 4,317 |
| Return on assets (ROA) | 0.0202% | 4,339 |
| Pretax return on assets | -0.0107% | 4,359 |
| Return on Equity (ROE) | 0.4900% | 4,305 |
| Retained earnings to average equity (ytd only) | -3.5684% | 4,354 |
| Net charge-offs to loans | 0.0881% | 989 |
| Credit loss provision to net charge-offs | 63.5514% | 2,127 |
| Earnings coverage of net charge-offs (x) | 0.2804% | 2,814 |
| Efficiency ratio | 99.6636% | 194 |
| Assets per employee ($millions) | 4.6718% | 3,843 |
| Cash dividends to net income (ytd only)* | 830.6122% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,522 |
| Loan loss allowance to noncurrent loans | 308.6876% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 2,058 |
| Noncurrent loans to loans | 0.4428% | 1,672 |
| Net loans and leases to total assets | 51.5900% | 3,504 |
| Net loans and leases to deposits | 58.1326% | 3,628 |
| Net loans and leases to core deposits | 58.2816% | 3,829 |
| Total domestic deposits to total assets | 88.7400% | 1,145 |
| Equity capital to assets | 4.6744% | 4,450 |
| Core capital (leverage) ratio | 8.5884% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8435% | 1,106 |
| Memoranda: | ||
| Average total assets | $242,651,400 | 2,723 |
| Average earning assets | $220,576,400 | 2,736 |
| Average equity | $10,032,400 | 3,717 |
| Average total loans | $121,506,000 | 2,938 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 4,443 |
| Cost of funding earning assets | 0.8681% | 3,349 |
| Net interest margin | 2.4679% | 4,174 |
| Noninterest income to average assets | 1.4100% | 420 |
| Noninterest expense to average assets | 3.7677% | 429 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.0613% | 4,460 |
| Return on assets (ROA) | -0.0566% | 4,443 |
| Pretax return on assets | -0.1121% | 4,449 |
| Return on Equity (ROE) | -1.4100% | 4,439 |
| Retained earnings to average equity (ytd only) | -5.0963% | 4,425 |
| Net charge-offs to loans | 0.0857% | 875 |
| Credit loss provision to net charge-offs | 12.8205% | 2,028 |
| Earnings coverage of net charge-offs (x) | -2.6154% | 4,575 |
| Efficiency ratio | 103.0371% | 146 |
| Assets per employee ($millions) | 4.6075% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,691 |
| Loan loss allowance to noncurrent loans | 943.1034% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,108 |
| Noncurrent loans to loans | 0.1423% | 2,840 |
| Net loans and leases to total assets | 51.3500% | 3,539 |
| Net loans and leases to deposits | 56.5756% | 3,679 |
| Net loans and leases to core deposits | 56.7163% | 3,823 |
| Total domestic deposits to total assets | 90.7700% | 728 |
| Equity capital to assets | 3.5658% | 4,451 |
| Core capital (leverage) ratio | 8.4567% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8119% | 1,138 |
| Memoranda: | ||
| Average total assets | $244,916,250 | 2,719 |
| Average earning assets | $222,859,000 | 2,737 |
| Average equity | $9,810,750 | 3,741 |
| Average total loans | $121,338,500 | 2,938 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2872% | 4,468 |
| Cost of funding earning assets | 0.8065% | 3,187 |
| Net interest margin | 2.4806% | 4,229 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 3.5580% | 500 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.0936% | 4,367 |
| Return on assets (ROA) | 0.1023% | 4,388 |
| Pretax return on assets | 0.1031% | 4,393 |
| Return on Equity (ROE) | 2.4700% | 4,221 |
| Retained earnings to average equity (ytd only) | -1.1470% | 4,232 |
| Net charge-offs to loans | 0.0033% | 2,202 |
| Credit loss provision to net charge-offs | -950.0000% | 4,619 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 1,255 |
| Efficiency ratio | 97.6559% | 203 |
| Assets per employee ($millions) | 4.3881% | 4,012 |
| Cash dividends to net income (ytd only)* | 146.4567% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,586 |
| Loan loss allowance to noncurrent loans | 680.6452% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,804 |
| Noncurrent loans to loans | 0.2034% | 2,450 |
| Net loans and leases to total assets | 50.7500% | 3,507 |
| Net loans and leases to deposits | 57.0436% | 3,586 |
| Net loans and leases to core deposits | 58.0756% | 3,714 |
| Total domestic deposits to total assets | 88.9700% | 1,270 |
| Equity capital to assets | 4.2540% | 4,479 |
| Core capital (leverage) ratio | 8.3720% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1052% | 1,108 |
| Memoranda: | ||
| Average total assets | $248,228,000 | 2,697 |
| Average earning assets | $226,396,667 | 2,724 |
| Average equity | $10,288,000 | 3,708 |
| Average total loans | $121,014,667 | 2,933 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1936% | 4,491 |
| Cost of funding earning assets | 0.6997% | 3,054 |
| Net interest margin | 2.4938% | 4,313 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 3.4790% | 554 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.0975% | 4,433 |
| Return on assets (ROA) | 0.1134% | 4,396 |
| Pretax return on assets | 0.1229% | 4,394 |
| Return on Equity (ROE) | 2.7700% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.7714% | 3,556 |
| Net charge-offs to loans | -0.0066% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 96.8421% | 209 |
| Assets per employee ($millions) | 4.7654% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,512 |
| Loan loss allowance to noncurrent loans | 755.7018% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,673 |
| Noncurrent loans to loans | 0.1886% | 2,530 |
| Net loans and leases to total assets | 47.1700% | 3,695 |
| Net loans and leases to deposits | 49.7096% | 3,902 |
| Net loans and leases to core deposits | 50.5132% | 3,973 |
| Total domestic deposits to total assets | 94.8900% | 99 |
| Equity capital to assets | 4.1546% | 4,531 |
| Core capital (leverage) ratio | 8.2517% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4178% | 1,088 |
| Memoranda: | ||
| Average total assets | $253,864,000 | 2,706 |
| Average earning assets | $232,091,500 | 2,727 |
| Average equity | $10,392,000 | 3,732 |
| Average total loans | $120,551,500 | 2,971 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9326% | 4,207 |
| Cost of funding earning assets | 0.3300% | 2,633 |
| Net interest margin | 2.6026% | 4,169 |
| Noninterest income to average assets | 1.2300% | 451 |
| Noninterest expense to average assets | 3.2025% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3351% | 4,334 |
| Return on assets (ROA) | 0.3351% | 4,300 |
| Pretax return on assets | 0.4189% | 4,261 |
| Return on Equity (ROE) | 6.7200% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.6304% | 3,202 |
| Net charge-offs to loans | 0.1542% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.8378% | 2,358 |
| Efficiency ratio | 88.4331% | 344 |
| Assets per employee ($millions) | 4.8144% | 3,806 |
| Cash dividends to net income (ytd only)* | 31.1343% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 1,563 |
| Loan loss allowance to noncurrent loans | 1,222.0588% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 2,972 |
| Noncurrent loans to loans | 0.1131% | 2,962 |
| Net loans and leases to total assets | 46.4700% | 3,774 |
| Net loans and leases to deposits | 48.6725% | 3,949 |
| Net loans and leases to core deposits | 48.7358% | 4,027 |
| Total domestic deposits to total assets | 95.4800% | 107 |
| Equity capital to assets | 4.0331% | 4,514 |
| Core capital (leverage) ratio | 7.9164% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4430% | 1,059 |
| Memoranda: | ||
| Average total assets | $257,832,800 | 2,686 |
| Average earning assets | $236,687,800 | 2,695 |
| Average equity | $12,849,800 | 3,584 |
| Average total loans | $119,959,000 | 2,921 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8063% | 4,187 |
| Cost of funding earning assets | 0.2391% | 2,828 |
| Net interest margin | 2.5672% | 4,139 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 3.0147% | 886 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4786% | 4,120 |
| Return on assets (ROA) | 0.4786% | 4,069 |
| Pretax return on assets | 0.6138% | 3,961 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.8380% | 2,064 |
| Net charge-offs to loans | -0.0278% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.0846% | 602 |
| Assets per employee ($millions) | 5.0149% | 3,663 |
| Cash dividends to net income (ytd only)* | 14.5474% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,227 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 3,008 |
| Noncurrent loans to loans | 0.0294% | 3,685 |
| Net loans and leases to total assets | 45.3400% | 3,804 |
| Net loans and leases to deposits | 47.1899% | 3,982 |
| Net loans and leases to core deposits | 47.3598% | 4,049 |
| Total domestic deposits to total assets | 96.0800% | 122 |
| Equity capital to assets | 3.4843% | 4,545 |
| Core capital (leverage) ratio | 8.1133% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4489% | 1,096 |
| Memoranda: | ||
| Average total assets | $258,500,500 | 2,694 |
| Average earning assets | $237,504,250 | 2,703 |
| Average equity | $13,489,500 | 3,563 |
| Average total loans | $119,888,750 | 2,929 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7645% | 4,039 |
| Cost of funding earning assets | 0.1561% | 3,500 |
| Net interest margin | 2.6084% | 3,892 |
| Noninterest income to average assets | 1.2590% | 446 |
| Noninterest expense to average assets | 2.9515% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5498% | 3,763 |
| Return on assets (ROA) | 0.5498% | 3,714 |
| Pretax return on assets | 0.7092% | 3,552 |
| Return on Equity (ROE) | 9.4503% | 2,543 |
| Retained earnings to average equity (ytd only) | 7.6381% | 1,752 |
| Net charge-offs to loans | -0.0420% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6273% | 897 |
| Assets per employee ($millions) | 4.6076% | 4,001 |
| Cash dividends to net income (ytd only)* | 19.1761% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 1,234 |
| Loan loss allowance to noncurrent loans | 275.6996% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,563 |
| Noncurrent loans to loans | 0.5675% | 1,489 |
| Net loans and leases to total assets | 47.3376% | 3,602 |
| Net loans and leases to deposits | 49.9898% | 3,811 |
| Net loans and leases to core deposits | 50.0567% | 3,931 |
| Total domestic deposits to total assets | 94.6944% | 179 |
| Equity capital to assets | 4.8245% | 4,508 |
| Core capital (leverage) ratio | 8.0253% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6287% | 1,049 |
| Memoranda: | ||
| Average total assets | $256,070,667 | 2,734 |
| Average earning assets | $235,772,333 | 2,752 |
| Average equity | $14,899,000 | 3,505 |
| Average total loans | $119,059,333 | 2,954 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7123% | 3,924 |
| Cost of funding earning assets | 0.1300% | 3,777 |
| Net interest margin | 2.5824% | 3,701 |
| Noninterest income to average assets | 1.2522% | 450 |
| Noninterest expense to average assets | 2.6122% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7886% | 2,703 |
| Return on assets (ROA) | 0.7886% | 2,700 |
| Pretax return on assets | 1.0273% | 2,358 |
| Return on Equity (ROE) | 12.5287% | 1,148 |
| Retained earnings to average equity (ytd only) | 12.5287% | 524 |
| Net charge-offs to loans | -0.0034% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7732% | 2,007 |
| Assets per employee ($millions) | 4.9898% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,314 |
| Loan loss allowance to noncurrent loans | 229.8507% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 1,356 |
| Noncurrent loans to loans | 0.6894% | 1,374 |
| Net loans and leases to total assets | 42.5967% | 3,842 |
| Net loans and leases to deposits | 45.2367% | 4,010 |
| Net loans and leases to core deposits | 45.4337% | 4,101 |
| Total domestic deposits to total assets | 94.1640% | 98 |
| Equity capital to assets | 5.3702% | 4,680 |
| Core capital (leverage) ratio | 8.0875% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0406% | 1,034 |
| Memoranda: | ||
| Average total assets | $259,699,500 | 2,721 |
| Average earning assets | $240,091,000 | 2,737 |
| Average equity | $16,346,500 | 3,445 |
| Average total loans | $118,762,000 | 2,952 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8314% | 4,160 |
| Cost of funding earning assets | 0.1748% | 3,714 |
| Net interest margin | 2.6566% | 3,951 |
| Noninterest income to average assets | 1.3155% | 623 |
| Noninterest expense to average assets | 3.3055% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3840% | 4,301 |
| Return on assets (ROA) | 0.3840% | 4,331 |
| Pretax return on assets | 0.4546% | 4,321 |
| Return on Equity (ROE) | 5.1234% | 3,970 |
| Retained earnings to average equity (ytd only) | 3.4351% | 3,438 |
| Net charge-offs to loans | 0.0850% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.6449% | 2,200 |
| Efficiency ratio | 87.9100% | 393 |
| Assets per employee ($millions) | 4.6287% | 4,014 |
| Cash dividends to net income (ytd only)* | 32.9522% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,462 |
| Loan loss allowance to noncurrent loans | 85.8271% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 531 |
| Noncurrent loans to loans | 1.7800% | 478 |
| Net loans and leases to total assets | 47.6305% | 3,528 |
| Net loans and leases to deposits | 51.7013% | 3,757 |
| Net loans and leases to core deposits | 51.9492% | 3,897 |
| Total domestic deposits to total assets | 92.1265% | 147 |
| Equity capital to assets | 7.2906% | 4,656 |
| Core capital (leverage) ratio | 7.8298% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1661% | 1,228 |
| Memoranda: | ||
| Average total assets | $250,552,800 | 2,724 |
| Average earning assets | $230,560,000 | 2,741 |
| Average equity | $18,776,600 | 3,315 |
| Average total loans | $125,873,600 | 2,901 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8892% | 4,190 |
| Cost of funding earning assets | 0.1801% | 3,823 |
| Net interest margin | 2.7091% | 3,951 |
| Noninterest income to average assets | 1.3301% | 668 |
| Noninterest expense to average assets | 3.1213% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5728% | 4,060 |
| Return on assets (ROA) | 0.5728% | 4,101 |
| Pretax return on assets | 0.6972% | 4,071 |
| Return on Equity (ROE) | 7.5917% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.3017% | 2,696 |
| Net charge-offs to loans | 0.1133% | 676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 12.1389% | 1,966 |
| Efficiency ratio | 81.7409% | 648 |
| Assets per employee ($millions) | 5.0834% | 3,622 |
| Cash dividends to net income (ytd only)* | 16.9916% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,718 |
| Loan loss allowance to noncurrent loans | 84.9517% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 699 |
| Noncurrent loans to loans | 1.7398% | 571 |
| Net loans and leases to total assets | 45.6742% | 3,818 |
| Net loans and leases to deposits | 49.4697% | 4,030 |
| Net loans and leases to core deposits | 49.6893% | 4,159 |
| Total domestic deposits to total assets | 92.3276% | 75 |
| Equity capital to assets | 7.0915% | 4,797 |
| Core capital (leverage) ratio | 8.1418% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1037% | 1,328 |
| Memoranda: | ||
| Average total assets | $250,703,250 | 2,740 |
| Average earning assets | $230,278,500 | 2,764 |
| Average equity | $18,915,000 | 3,347 |
| Average total loans | $127,117,000 | 2,923 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0895% | 3,891 |
| Cost of funding earning assets | 0.1920% | 3,833 |
| Net interest margin | 2.8975% | 3,581 |
| Noninterest income to average assets | 1.3016% | 684 |
| Noninterest expense to average assets | 3.0810% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6790% | 3,809 |
| Return on assets (ROA) | 0.6790% | 3,878 |
| Pretax return on assets | 0.8754% | 3,717 |
| Return on Equity (ROE) | 8.8057% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.8057% | 1,777 |
| Net charge-offs to loans | 0.1549% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 10.8081% | 1,788 |
| Efficiency ratio | 77.8743% | 918 |
| Assets per employee ($millions) | 4.8122% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,608 |
| Loan loss allowance to noncurrent loans | 119.7547% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 855 |
| Noncurrent loans to loans | 1.2474% | 959 |
| Net loans and leases to total assets | 48.8829% | 3,656 |
| Net loans and leases to deposits | 53.2590% | 3,905 |
| Net loans and leases to core deposits | 53.5148% | 4,048 |
| Total domestic deposits to total assets | 91.7833% | 169 |
| Equity capital to assets | 7.5865% | 4,711 |
| Core capital (leverage) ratio | 8.1210% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3813% | 1,251 |
| Memoranda: | ||
| Average total assets | $244,464,000 | 2,777 |
| Average earning assets | $223,982,667 | 2,802 |
| Average equity | $18,851,333 | 3,349 |
| Average total loans | $127,855,333 | 2,926 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1858% | 3,716 |
| Cost of funding earning assets | 0.2010% | 3,906 |
| Net interest margin | 2.9848% | 3,298 |
| Noninterest income to average assets | 1.3081% | 747 |
| Noninterest expense to average assets | 2.8744% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8941% | 3,137 |
| Return on assets (ROA) | 0.8941% | 3,221 |
| Pretax return on assets | 1.1624% | 2,945 |
| Return on Equity (ROE) | 11.4985% | 2,191 |
| Retained earnings to average equity (ytd only) | 11.4985% | 1,272 |
| Net charge-offs to loans | 0.1234% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 17.5500% | 1,298 |
| Efficiency ratio | 71.2059% | 1,586 |
| Assets per employee ($millions) | 4.8892% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,627 |
| Loan loss allowance to noncurrent loans | 126.0870% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 1,002 |
| Noncurrent loans to loans | 1.1853% | 1,119 |
| Net loans and leases to total assets | 49.6194% | 3,664 |
| Net loans and leases to deposits | 53.9148% | 3,943 |
| Net loans and leases to core deposits | 53.9875% | 4,094 |
| Total domestic deposits to total assets | 92.0330% | 136 |
| Equity capital to assets | 7.3152% | 4,771 |
| Core capital (leverage) ratio | 8.5984% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2104% | 1,242 |
| Memoranda: | ||
| Average total assets | $241,578,500 | 2,787 |
| Average earning assets | $220,852,000 | 2,814 |
| Average equity | $18,785,000 | 3,349 |
| Average total loans | $129,694,500 | 2,907 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 3,176 |
| Cost of funding earning assets | 0.3786% | 3,720 |
| Net interest margin | 3.4675% | 2,571 |
| Noninterest income to average assets | 1.5270% | 520 |
| Noninterest expense to average assets | 3.7653% | 481 |
| Loan and lease loss provision to assets | 0.3181% | 1,163 |
| Net operating income to assets | 0.5324% | 3,959 |
| Return on assets (ROA) | 0.5885% | 3,894 |
| Pretax return on assets | 0.6753% | 3,936 |
| Return on Equity (ROE) | 6.9971% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.5599% | 2,020 |
| Net charge-offs to loans | 0.1724% | 961 |
| Credit loss provision to net charge-offs | 292.8870% | 1,765 |
| Earnings coverage of net charge-offs (x) | 8.5523% | 2,595 |
| Efficiency ratio | 80.2111% | 876 |
| Assets per employee ($millions) | 4.3192% | 4,099 |
| Cash dividends to net income (ytd only)* | 20.5405% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,628 |
| Loan loss allowance to noncurrent loans | 124.7765% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 713 |
| Noncurrent loans to loans | 1.1925% | 1,183 |
| Net loans and leases to total assets | 56.5132% | 3,250 |
| Net loans and leases to deposits | 62.1114% | 3,598 |
| Net loans and leases to core deposits | 62.2055% | 3,822 |
| Total domestic deposits to total assets | 90.9868% | 232 |
| Equity capital to assets | 8.2876% | 4,581 |
| Core capital (leverage) ratio | 8.5588% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9844% | 1,266 |
| Memoranda: | ||
| Average total assets | $220,037,600 | 2,796 |
| Average earning assets | $200,978,600 | 2,817 |
| Average equity | $18,507,600 | 3,322 |
| Average total loans | $138,619,800 | 2,766 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,454 |
| Cost of funding earning assets | 0.4115% | 3,758 |
| Net interest margin | 3.4228% | 2,839 |
| Noninterest income to average assets | 1.5884% | 470 |
| Noninterest expense to average assets | 3.6323% | 590 |
| Loan and lease loss provision to assets | 0.4283% | 780 |
| Net operating income to assets | 0.5831% | 3,819 |
| Return on assets (ROA) | 0.6605% | 3,699 |
| Pretax return on assets | 0.7462% | 3,788 |
| Return on Equity (ROE) | 7.8223% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.8581% | 1,754 |
| Net charge-offs to loans | 0.5744% | 258 |
| Credit loss provision to net charge-offs | 115.7025% | 2,514 |
| Earnings coverage of net charge-offs (x) | 2.9372% | 2,948 |
| Efficiency ratio | 76.9550% | 1,123 |
| Assets per employee ($millions) | 4.2344% | 4,107 |
| Cash dividends to net income (ytd only)* | 12.3262% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,213 |
| Loan loss allowance to noncurrent loans | 57.4322% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7690% | 432 |
| Noncurrent loans to loans | 1.9154% | 657 |
| Net loans and leases to total assets | 63.6162% | 2,809 |
| Net loans and leases to deposits | 70.0818% | 3,309 |
| Net loans and leases to core deposits | 71.2550% | 3,537 |
| Total domestic deposits to total assets | 90.7742% | 217 |
| Equity capital to assets | 8.4452% | 4,490 |
| Core capital (leverage) ratio | 8.7298% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8881% | 1,537 |
| Memoranda: | ||
| Average total assets | $217,817,000 | 2,795 |
| Average earning assets | $199,285,500 | 2,814 |
| Average equity | $18,391,500 | 3,331 |
| Average total loans | $140,443,750 | 2,754 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,397 |
| Cost of funding earning assets | 0.4538% | 3,777 |
| Net interest margin | 3.5186% | 2,727 |
| Noninterest income to average assets | 1.7272% | 357 |
| Noninterest expense to average assets | 3.7233% | 557 |
| Loan and lease loss provision to assets | 0.4638% | 822 |
| Net operating income to assets | 0.6929% | 3,411 |
| Return on assets (ROA) | 0.6929% | 3,515 |
| Pretax return on assets | 0.7625% | 3,700 |
| Return on Equity (ROE) | 8.2068% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.2068% | 1,243 |
| Net charge-offs to loans | 0.0719% | 1,529 |
| Credit loss provision to net charge-offs | 1,000.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 26.4400% | 1,523 |
| Efficiency ratio | 75.2249% | 1,343 |
| Assets per employee ($millions) | 4.6089% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 1,864 |
| Loan loss allowance to noncurrent loans | 55.2302% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 580 |
| Noncurrent loans to loans | 2.4149% | 501 |
| Net loans and leases to total assets | 63.6443% | 2,925 |
| Net loans and leases to deposits | 70.0463% | 3,417 |
| Net loans and leases to core deposits | 71.2047% | 3,632 |
| Total domestic deposits to total assets | 90.8603% | 183 |
| Equity capital to assets | 8.3462% | 4,566 |
| Core capital (leverage) ratio | 8.7237% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8216% | 1,544 |
| Memoranda: | ||
| Average total assets | $215,614,667 | 2,789 |
| Average earning assets | $197,464,000 | 2,805 |
| Average equity | $18,204,333 | 3,343 |
| Average total loans | $139,139,000 | 2,754 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,322 |
| Cost of funding earning assets | 0.5374% | 3,760 |
| Net interest margin | 3.1992% | 3,854 |
| Noninterest income to average assets | 2.2575% | 230 |
| Noninterest expense to average assets | 3.6712% | 726 |
| Loan and lease loss provision to assets | 0.0950% | 2,497 |
| Net operating income to assets | 1.2997% | 1,247 |
| Return on assets (ROA) | 1.2997% | 1,341 |
| Pretax return on assets | 1.4100% | 1,531 |
| Return on Equity (ROE) | 15.3003% | 514 |
| Retained earnings to average equity (ytd only) | 15.3003% | 175 |
| Net charge-offs to loans | 0.0913% | 1,148 |
| Credit loss provision to net charge-offs | 161.2903% | 1,549 |
| Earnings coverage of net charge-offs (x) | 25.5484% | 1,284 |
| Efficiency ratio | 70.9251% | 2,234 |
| Assets per employee ($millions) | 3.6308% | 4,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,161 |
| Loan loss allowance to noncurrent loans | 37.8378% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 496 |
| Noncurrent loans to loans | 2.9276% | 374 |
| Net loans and leases to total assets | 60.9447% | 3,405 |
| Net loans and leases to deposits | 67.5628% | 3,758 |
| Net loans and leases to core deposits | 68.7052% | 3,951 |
| Total domestic deposits to total assets | 90.2046% | 268 |
| Equity capital to assets | 8.3596% | 4,877 |
| Core capital (leverage) ratio | 9.3880% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4757% | 1,762 |
| Memoranda: | ||
| Average total assets | $210,503,000 | 2,784 |
| Average earning assets | $192,048,000 | 2,813 |
| Average equity | $17,882,000 | 3,381 |
| Average total loans | $135,870,500 | 2,765 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 4,279 |
| Cost of funding earning assets | 0.4282% | 4,346 |
| Net interest margin | 3.5632% | 3,246 |
| Noninterest income to average assets | 1.4036% | 483 |
| Noninterest expense to average assets | 4.2463% | 398 |
| Loan and lease loss provision to assets | 0.2073% | 973 |
| Net operating income to assets | 0.1753% | 4,862 |
| Return on assets (ROA) | 0.1753% | 4,885 |
| Pretax return on assets | 0.1798% | 4,899 |
| Return on Equity (ROE) | 2.0079% | 4,797 |
| Retained earnings to average equity (ytd only) | 0.1688% | 4,639 |
| Net charge-offs to loans | 0.4972% | 375 |
| Credit loss provision to net charge-offs | 60.8048% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.1356% | 3,569 |
| Efficiency ratio | 91.6457% | 298 |
| Assets per employee ($millions) | 3.3254% | 4,625 |
| Cash dividends to net income (ytd only)* | 91.5942% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,926 |
| Loan loss allowance to noncurrent loans | 46.7878% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5998% | 603 |
| Noncurrent loans to loans | 2.3594% | 491 |
| Net loans and leases to total assets | 67.0367% | 2,822 |
| Net loans and leases to deposits | 74.7109% | 3,290 |
| Net loans and leases to core deposits | 76.1174% | 3,569 |
| Total domestic deposits to total assets | 89.7281% | 413 |
| Equity capital to assets | 8.6450% | 4,849 |
| Core capital (leverage) ratio | 9.3070% | 4,270 |
| Tier 1 risk-based capital ratio | 14.2407% | 3,147 |
| Total risk-based capital ratio | 15.3992% | 3,104 |
| Memoranda: | ||
| Average total assets | $196,853,600 | 2,867 |
| Average earning assets | $178,434,200 | 2,899 |
| Average equity | $17,182,400 | 3,413 |
| Average total loans | $134,958,800 | 2,777 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 4,377 |
| Cost of funding earning assets | 0.3878% | 4,539 |
| Net interest margin | 3.6048% | 3,231 |
| Noninterest income to average assets | 1.3884% | 472 |
| Noninterest expense to average assets | 4.1864% | 419 |
| Loan and lease loss provision to assets | 0.2093% | 835 |
| Net operating income to assets | 0.2372% | 4,915 |
| Return on assets (ROA) | 0.2372% | 4,927 |
| Pretax return on assets | 0.2589% | 4,941 |
| Return on Equity (ROE) | 2.7107% | 4,812 |
| Retained earnings to average equity (ytd only) | 1.2894% | 4,494 |
| Net charge-offs to loans | 0.6662% | 241 |
| Credit loss provision to net charge-offs | 45.6973% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.0223% | 3,330 |
| Efficiency ratio | 89.9401% | 326 |
| Assets per employee ($millions) | 3.3101% | 4,665 |
| Cash dividends to net income (ytd only)* | 52.4349% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,423 |
| Loan loss allowance to noncurrent loans | 59.4699% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 1,128 |
| Noncurrent loans to loans | 1.7246% | 848 |
| Net loans and leases to total assets | 65.4079% | 3,127 |
| Net loans and leases to deposits | 72.8186% | 3,568 |
| Net loans and leases to core deposits | 72.9393% | 3,892 |
| Total domestic deposits to total assets | 89.8231% | 332 |
| Equity capital to assets | 8.4559% | 5,020 |
| Core capital (leverage) ratio | 9.7405% | 3,920 |
| Tier 1 risk-based capital ratio | 14.2773% | 3,184 |
| Total risk-based capital ratio | 15.3515% | 3,183 |
| Memoranda: | ||
| Average total assets | $196,185,750 | 2,894 |
| Average earning assets | $177,759,750 | 2,933 |
| Average equity | $17,165,750 | 3,442 |
| Average total loans | $134,886,500 | 2,805 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,371 |
| Cost of funding earning assets | 0.3742% | 4,603 |
| Net interest margin | 3.6279% | 3,170 |
| Noninterest income to average assets | 1.3511% | 482 |
| Noninterest expense to average assets | 4.2128% | 407 |
| Loan and lease loss provision to assets | 0.1553% | 1,173 |
| Net operating income to assets | 0.2495% | 4,936 |
| Return on assets (ROA) | 0.2495% | 4,951 |
| Pretax return on assets | 0.2650% | 4,968 |
| Return on Equity (ROE) | 2.8182% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.8182% | 3,803 |
| Net charge-offs to loans | 1.0309% | 136 |
| Credit loss provision to net charge-offs | 21.6138% | 2,641 |
| Earnings coverage of net charge-offs (x) | 0.5850% | 3,082 |
| Efficiency ratio | 90.9274% | 320 |
| Assets per employee ($millions) | 3.1005% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,091 |
| Loan loss allowance to noncurrent loans | 47.1963% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 873 |
| Noncurrent loans to loans | 1.9071% | 772 |
| Net loans and leases to total assets | 69.4184% | 2,612 |
| Net loans and leases to deposits | 77.9760% | 3,153 |
| Net loans and leases to core deposits | 77.9760% | 3,581 |
| Total domestic deposits to total assets | 89.0253% | 651 |
| Equity capital to assets | 9.0453% | 4,770 |
| Core capital (leverage) ratio | 9.8225% | 3,798 |
| Tier 1 risk-based capital ratio | 14.3360% | 3,150 |
| Total risk-based capital ratio | 15.2720% | 3,222 |
| Memoranda: | ||
| Average total assets | $193,171,330 | 2,932 |
| Average earning assets | $174,756,670 | 2,976 |
| Average equity | $17,103,000 | 3,456 |
| Average total loans | $134,639,670 | 2,820 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 4,536 |
| Cost of funding earning assets | 0.3528% | 4,672 |
| Net interest margin | 3.5572% | 3,408 |
| Noninterest income to average assets | 1.4313% | 419 |
| Noninterest expense to average assets | 4.0979% | 465 |
| Loan and lease loss provision to assets | 0.1547% | 1,082 |
| Net operating income to assets | 0.3692% | 4,795 |
| Return on assets (ROA) | 0.3692% | 4,802 |
| Pretax return on assets | 0.4022% | 4,837 |
| Return on Equity (ROE) | 4.1458% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.1458% | 3,260 |
| Net charge-offs to loans | 0.3031% | 497 |
| Credit loss provision to net charge-offs | 73.5294% | 1,825 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 2,475 |
| Efficiency ratio | 88.0372% | 481 |
| Assets per employee ($millions) | 3.2264% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,895 |
| Loan loss allowance to noncurrent loans | 32.5893% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0157% | 483 |
| Noncurrent loans to loans | 2.9652% | 375 |
| Net loans and leases to total assets | 67.3211% | 2,857 |
| Net loans and leases to deposits | 75.3341% | 3,321 |
| Net loans and leases to core deposits | 75.3341% | 3,708 |
| Total domestic deposits to total assets | 89.3633% | 706 |
| Equity capital to assets | 8.7095% | 4,875 |
| Core capital (leverage) ratio | 10.0081% | 3,598 |
| Tier 1 risk-based capital ratio | 14.1803% | 3,257 |
| Total risk-based capital ratio | 15.1708% | 3,300 |
| Memoranda: | ||
| Average total assets | $193,951,000 | 2,961 |
| Average earning assets | $175,754,500 | 2,993 |
| Average equity | $17,270,500 | 3,450 |
| Average total loans | $134,631,000 | 2,851 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 4,176 |
| Cost of funding earning assets | 0.2099% | 4,965 |
| Net interest margin | 3.7371% | 2,910 |
| Noninterest income to average assets | 1.4304% | 440 |
| Noninterest expense to average assets | 4.2234% | 392 |
| Loan and lease loss provision to assets | 0.3711% | 396 |
| Net operating income to assets | 0.1872% | 5,121 |
| Return on assets (ROA) | 0.1872% | 5,116 |
| Pretax return on assets | 0.2158% | 5,105 |
| Return on Equity (ROE) | 2.0508% | 5,039 |
| Retained earnings to average equity (ytd only) | 0.5171% | 4,848 |
| Net charge-offs to loans | 0.5572% | 311 |
| Credit loss provision to net charge-offs | 96.5517% | 2,618 |
| Earnings coverage of net charge-offs (x) | 1.5269% | 3,618 |
| Efficiency ratio | 87.7990% | 442 |
| Assets per employee ($millions) | 2.9820% | 5,002 |
| Cash dividends to net income (ytd only)* | 74.7875% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,645 |
| Loan loss allowance to noncurrent loans | 58.5334% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2195% | 1,069 |
| Noncurrent loans to loans | 1.7189% | 839 |
| Net loans and leases to total assets | 70.2312% | 2,534 |
| Net loans and leases to deposits | 81.0484% | 2,845 |
| Net loans and leases to core deposits | 81.0484% | 3,345 |
| Total domestic deposits to total assets | 86.6534% | 1,941 |
| Equity capital to assets | 9.1122% | 4,477 |
| Core capital (leverage) ratio | 9.7939% | 3,805 |
| Tier 1 risk-based capital ratio | 14.3286% | 3,151 |
| Total risk-based capital ratio | 15.3722% | 3,170 |
| Memoranda: | ||
| Average total assets | $188,617,600 | 2,974 |
| Average earning assets | $170,587,200 | 3,017 |
| Average equity | $17,212,600 | 3,372 |
| Average total loans | $130,106,400 | 2,874 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,208 |
| Cost of funding earning assets | 0.1850% | 5,073 |
| Net interest margin | 3.7172% | 2,955 |
| Noninterest income to average assets | 1.4053% | 483 |
| Noninterest expense to average assets | 4.1382% | 435 |
| Loan and lease loss provision to assets | 0.0883% | 2,208 |
| Net operating income to assets | 0.4371% | 4,884 |
| Return on assets (ROA) | 0.4371% | 4,892 |
| Pretax return on assets | 0.5409% | 4,835 |
| Return on Equity (ROE) | 4.7883% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.7672% | 3,895 |
| Net charge-offs to loans | 0.5527% | 270 |
| Credit loss provision to net charge-offs | 23.3209% | 2,999 |
| Earnings coverage of net charge-offs (x) | 1.6623% | 3,329 |
| Efficiency ratio | 86.8020% | 475 |
| Assets per employee ($millions) | 3.1399% | 4,930 |
| Cash dividends to net income (ytd only)* | 21.3253% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,810 |
| Loan loss allowance to noncurrent loans | 37.8068% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 1,025 |
| Noncurrent loans to loans | 1.9326% | 779 |
| Net loans and leases to total assets | 67.7441% | 2,982 |
| Net loans and leases to deposits | 76.4224% | 3,375 |
| Net loans and leases to core deposits | 76.4224% | 3,773 |
| Total domestic deposits to total assets | 88.6443% | 980 |
| Equity capital to assets | 9.0631% | 4,493 |
| Core capital (leverage) ratio | 10.1547% | 3,462 |
| Tier 1 risk-based capital ratio | 15.0595% | 2,856 |
| Total risk-based capital ratio | 15.8241% | 3,003 |
| Memoranda: | ||
| Average total assets | $188,805,000 | 2,995 |
| Average earning assets | $170,769,000 | 3,043 |
| Average equity | $17,236,000 | 3,397 |
| Average total loans | $129,312,250 | 2,908 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,052 |
| Cost of funding earning assets | 0.1672% | 5,170 |
| Net interest margin | 3.7417% | 2,781 |
| Noninterest income to average assets | 1.3486% | 527 |
| Noninterest expense to average assets | 4.0916% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5067% | 4,736 |
| Return on assets (ROA) | 0.5067% | 4,741 |
| Pretax return on assets | 0.6397% | 4,665 |
| Return on Equity (ROE) | 5.5365% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.0012% | 3,611 |
| Net charge-offs to loans | -0.0450% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4792% | 549 |
| Assets per employee ($millions) | 2.9450% | 5,135 |
| Cash dividends to net income (ytd only)* | 27.7311% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,396 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 1,664 |
| Noncurrent loans to loans | 1.2935% | 1,320 |
| Net loans and leases to total assets | 69.0012% | 2,727 |
| Net loans and leases to deposits | 77.9595% | 3,163 |
| Net loans and leases to core deposits | 77.9595% | 3,585 |
| Total domestic deposits to total assets | 88.5090% | 1,138 |
| Equity capital to assets | 9.2968% | 4,280 |
| Core capital (leverage) ratio | 10.0099% | 3,572 |
| Tier 1 risk-based capital ratio | 14.9136% | 2,914 |
| Total risk-based capital ratio | 16.0281% | 2,906 |
| Memoranda: | ||
| Average total assets | $187,895,330 | 3,021 |
| Average earning assets | $169,868,330 | 3,065 |
| Average equity | $17,195,000 | 3,424 |
| Average total loans | $128,847,000 | 2,922 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,041 |
| Cost of funding earning assets | 0.1663% | 5,182 |
| Net interest margin | 3.6959% | 2,817 |
| Noninterest income to average assets | 1.0832% | 781 |
| Noninterest expense to average assets | 3.8524% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4464% | 4,822 |
| Return on assets (ROA) | 0.4464% | 4,822 |
| Pretax return on assets | 0.5691% | 4,754 |
| Return on Equity (ROE) | 4.9161% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.9161% | 3,220 |
| Net charge-offs to loans | 0.0062% | 2,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 484 |
| Efficiency ratio | 87.1292% | 578 |
| Assets per employee ($millions) | 3.0210% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,551 |
| Loan loss allowance to noncurrent loans | 79.8128% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 1,125 |
| Noncurrent loans to loans | 1.3404% | 1,330 |
| Net loans and leases to total assets | 67.3419% | 2,845 |
| Net loans and leases to deposits | 76.3352% | 3,173 |
| Net loans and leases to core deposits | 76.3352% | 3,646 |
| Total domestic deposits to total assets | 88.2186% | 1,495 |
| Equity capital to assets | 9.1979% | 4,366 |
| Core capital (leverage) ratio | 9.8541% | 3,705 |
| Tier 1 risk-based capital ratio | 14.7391% | 3,012 |
| Total risk-based capital ratio | 15.8237% | 2,990 |
| Memoranda: | ||
| Average total assets | $189,075,000 | 3,044 |
| Average earning assets | $170,784,000 | 3,088 |
| Average equity | $17,168,000 | 3,452 |
| Average total loans | $128,562,000 | 2,951 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 4,279 |
| Cost of funding earning assets | 0.1533% | 5,244 |
| Net interest margin | 3.5712% | 3,263 |
| Noninterest income to average assets | 1.4732% | 486 |
| Noninterest expense to average assets | 3.9596% | 565 |
| Loan and lease loss provision to assets | 0.3017% | 569 |
| Net operating income to assets | 0.1312% | 5,221 |
| Return on assets (ROA) | 0.1383% | 5,218 |
| Pretax return on assets | 0.4792% | 4,956 |
| Return on Equity (ROE) | 1.5740% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.0630% | 4,977 |
| Net charge-offs to loans | 0.6884% | 313 |
| Credit loss provision to net charge-offs | 66.1521% | 3,149 |
| Earnings coverage of net charge-offs (x) | 1.6880% | 3,863 |
| Efficiency ratio | 83.7232% | 792 |
| Assets per employee ($millions) | 3.0293% | 5,176 |
| Cash dividends to net income (ytd only)* | 96.0000% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,603 |
| Loan loss allowance to noncurrent loans | 73.9578% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 914 |
| Noncurrent loans to loans | 1.4249% | 1,204 |
| Net loans and leases to total assets | 67.2060% | 2,937 |
| Net loans and leases to deposits | 77.2260% | 3,199 |
| Net loans and leases to core deposits | 77.3480% | 3,638 |
| Total domestic deposits to total assets | 87.0251% | 1,985 |
| Equity capital to assets | 8.9643% | 4,757 |
| Core capital (leverage) ratio | 9.1080% | 4,511 |
| Tier 1 risk-based capital ratio | 13.9169% | 3,407 |
| Total risk-based capital ratio | 15.0059% | 3,408 |
| Memoranda: | ||
| Average total assets | $198,885,200 | 2,932 |
| Average earning assets | $181,337,600 | 2,948 |
| Average equity | $17,471,800 | 3,435 |
| Average total loans | $131,754,400 | 2,888 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,344 |
| Cost of funding earning assets | 0.1562% | 5,275 |
| Net interest margin | 3.5342% | 3,373 |
| Noninterest income to average assets | 1.4481% | 512 |
| Noninterest expense to average assets | 3.8374% | 640 |
| Loan and lease loss provision to assets | 0.0332% | 3,460 |
| Net operating income to assets | 0.5449% | 4,597 |
| Return on assets (ROA) | 0.5548% | 4,595 |
| Pretax return on assets | 0.8210% | 4,297 |
| Return on Equity (ROE) | 6.3466% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.3445% | 2,650 |
| Net charge-offs to loans | 0.4898% | 419 |
| Credit loss provision to net charge-offs | 10.2881% | 3,223 |
| Earnings coverage of net charge-offs (x) | 2.6029% | 3,444 |
| Efficiency ratio | 82.0491% | 911 |
| Assets per employee ($millions) | 3.1818% | 5,093 |
| Cash dividends to net income (ytd only)* | 15.7899% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 4,426 |
| Loan loss allowance to noncurrent loans | 60.6373% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.5507% | 969 |
| Noncurrent loans to loans | 1.5344% | 1,216 |
| Net loans and leases to total assets | 66.7692% | 3,010 |
| Net loans and leases to deposits | 74.7857% | 3,493 |
| Net loans and leases to core deposits | 74.8967% | 3,896 |
| Total domestic deposits to total assets | 89.2808% | 751 |
| Equity capital to assets | 9.1392% | 4,788 |
| Core capital (leverage) ratio | 9.1660% | 4,555 |
| Tier 1 risk-based capital ratio | 14.2470% | 3,330 |
| Total risk-based capital ratio | 15.2180% | 3,378 |
| Memoranda: | ||
| Average total assets | $200,895,000 | 2,945 |
| Average earning assets | $183,535,500 | 2,953 |
| Average equity | $17,562,750 | 3,452 |
| Average total loans | $132,286,500 | 2,906 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,489 |
| Cost of funding earning assets | 0.1484% | 5,346 |
| Net interest margin | 3.4598% | 3,546 |
| Noninterest income to average assets | 1.5804% | 441 |
| Noninterest expense to average assets | 3.8030% | 668 |
| Loan and lease loss provision to assets | 0.0247% | 3,504 |
| Net operating income to assets | 0.6155% | 4,234 |
| Return on assets (ROA) | 0.6135% | 4,288 |
| Pretax return on assets | 0.9114% | 3,894 |
| Return on Equity (ROE) | 7.1234% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,347 |
| Net charge-offs to loans | 0.6875% | 281 |
| Credit loss provision to net charge-offs | 5.5066% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.0903% | 3,205 |
| Efficiency ratio | 80.1962% | 1,190 |
| Assets per employee ($millions) | 3.2196% | 5,068 |
| Cash dividends to net income (ytd only)* | 21.2903% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,592 |
| Loan loss allowance to noncurrent loans | 49.5815% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 783 |
| Noncurrent loans to loans | 1.8371% | 968 |
| Net loans and leases to total assets | 66.7184% | 3,000 |
| Net loans and leases to deposits | 75.7827% | 3,367 |
| Net loans and leases to core deposits | 75.8936% | 3,784 |
| Total domestic deposits to total assets | 88.0391% | 1,437 |
| Equity capital to assets | 8.7820% | 5,080 |
| Core capital (leverage) ratio | 8.9051% | 4,835 |
| Tier 1 risk-based capital ratio | 13.6807% | 3,598 |
| Total risk-based capital ratio | 14.6249% | 3,680 |
| Memoranda: | ||
| Average total assets | $202,102,670 | 2,943 |
| Average earning assets | $184,692,670 | 2,959 |
| Average equity | $17,407,330 | 3,482 |
| Average total loans | $132,064,000 | 2,911 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,571 |
| Cost of funding earning assets | 0.1481% | 5,391 |
| Net interest margin | 3.3931% | 3,675 |
| Noninterest income to average assets | 1.5922% | 439 |
| Noninterest expense to average assets | 3.5750% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7535% | 3,461 |
| Return on assets (ROA) | 0.7535% | 3,515 |
| Pretax return on assets | 1.1064% | 2,958 |
| Return on Equity (ROE) | 8.8349% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.8349% | 1,136 |
| Net charge-offs to loans | 0.4684% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.6711% | 2,462 |
| Efficiency ratio | 76.3659% | 1,856 |
| Assets per employee ($millions) | 3.3058% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,370 |
| Loan loss allowance to noncurrent loans | 55.1887% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 699 |
| Noncurrent loans to loans | 2.0989% | 833 |
| Net loans and leases to total assets | 64.3597% | 3,223 |
| Net loans and leases to deposits | 72.1098% | 3,602 |
| Net loans and leases to core deposits | 72.2146% | 3,968 |
| Total domestic deposits to total assets | 89.2524% | 1,025 |
| Equity capital to assets | 8.6872% | 5,079 |
| Core capital (leverage) ratio | 8.9876% | 4,752 |
| Tier 1 risk-based capital ratio | 14.0167% | 3,463 |
| Total risk-based capital ratio | 15.2066% | 3,419 |
| Memoranda: | ||
| Average total assets | $201,736,000 | 2,976 |
| Average earning assets | $183,668,500 | 3,006 |
| Average equity | $17,204,500 | 3,517 |
| Average total loans | $129,809,500 | 2,962 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5913% | 4,532 |
| Cost of funding earning assets | 0.1404% | 5,481 |
| Net interest margin | 3.4509% | 3,627 |
| Noninterest income to average assets | 1.3455% | 632 |
| Noninterest expense to average assets | 3.8776% | 713 |
| Loan and lease loss provision to assets | 0.0983% | 2,407 |
| Net operating income to assets | 0.3787% | 5,012 |
| Return on assets (ROA) | 0.4025% | 5,018 |
| Pretax return on assets | 0.5666% | 4,880 |
| Return on Equity (ROE) | 4.6469% | 4,588 |
| Retained earnings to average equity (ytd only) | 0.7376% | 5,033 |
| Net charge-offs to loans | 0.0071% | 4,017 |
| Credit loss provision to net charge-offs | 2,222.2222% | 195 |
| Earnings coverage of net charge-offs (x) | 142.7778% | 444 |
| Efficiency ratio | 85.9961% | 820 |
| Assets per employee ($millions) | 3.3085% | 5,028 |
| Cash dividends to net income (ytd only)* | 84.1270% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,526 |
| Loan loss allowance to noncurrent loans | 69.2467% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.7590% | 855 |
| Noncurrent loans to loans | 1.8829% | 989 |
| Net loans and leases to total assets | 62.7501% | 3,506 |
| Net loans and leases to deposits | 69.9176% | 3,910 |
| Net loans and leases to core deposits | 70.0185% | 4,242 |
| Total domestic deposits to total assets | 89.7487% | 752 |
| Equity capital to assets | 8.3694% | 5,372 |
| Core capital (leverage) ratio | 8.6750% | 5,103 |
| Tier 1 risk-based capital ratio | 13.9929% | 3,465 |
| Total risk-based capital ratio | 15.2488% | 3,374 |
| Memoranda: | ||
| Average total assets | $203,500,600 | 2,917 |
| Average earning assets | $186,559,600 | 2,932 |
| Average equity | $17,624,600 | 3,469 |
| Average total loans | $127,214,200 | 2,958 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5937% | 4,572 |
| Cost of funding earning assets | 0.1395% | 5,551 |
| Net interest margin | 3.4542% | 3,654 |
| Noninterest income to average assets | 1.3580% | 634 |
| Noninterest expense to average assets | 3.6281% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6077% | 4,264 |
| Return on assets (ROA) | 0.6375% | 4,256 |
| Pretax return on assets | 0.9474% | 3,822 |
| Return on Equity (ROE) | 7.2999% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.7169% | 3,000 |
| Net charge-offs to loans | 0.0042% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 345.4578% | 249 |
| Efficiency ratio | 80.0722% | 1,431 |
| Assets per employee ($millions) | 3.2492% | 5,111 |
| Cash dividends to net income (ytd only)* | 35.3847% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,548 |
| Loan loss allowance to noncurrent loans | 62.0748% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 1,003 |
| Noncurrent loans to loans | 1.8500% | 1,096 |
| Net loans and leases to total assets | 62.1529% | 3,625 |
| Net loans and leases to deposits | 69.7539% | 4,009 |
| Net loans and leases to core deposits | 70.1880% | 4,311 |
| Total domestic deposits to total assets | 89.1031% | 855 |
| Equity capital to assets | 8.9038% | 5,240 |
| Core capital (leverage) ratio | 8.9556% | 4,875 |
| Tier 1 risk-based capital ratio | 14.3526% | 3,365 |
| Total risk-based capital ratio | 15.5286% | 3,342 |
| Memoranda: | ||
| Average total assets | $203,921,250 | 2,926 |
| Average earning assets | $187,323,000 | 2,941 |
| Average equity | $17,808,000 | 3,462 |
| Average total loans | $126,939,250 | 2,974 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,617 |
| Cost of funding earning assets | 0.1390% | 5,620 |
| Net interest margin | 3.4521% | 3,672 |
| Noninterest income to average assets | 1.3621% | 618 |
| Noninterest expense to average assets | 3.5893% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6336% | 4,129 |
| Return on assets (ROA) | 0.6560% | 4,162 |
| Pretax return on assets | 0.9761% | 3,674 |
| Return on Equity (ROE) | 7.5614% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.5614% | 1,355 |
| Net charge-offs to loans | 0.0063% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 272 |
| Efficiency ratio | 79.1983% | 1,608 |
| Assets per employee ($millions) | 3.1884% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,762 |
| Loan loss allowance to noncurrent loans | 51.1419% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9084% | 877 |
| Noncurrent loans to loans | 2.2164% | 843 |
| Net loans and leases to total assets | 62.2022% | 3,601 |
| Net loans and leases to deposits | 69.8353% | 3,997 |
| Net loans and leases to core deposits | 69.9341% | 4,329 |
| Total domestic deposits to total assets | 89.0699% | 886 |
| Equity capital to assets | 8.8427% | 5,369 |
| Core capital (leverage) ratio | 8.8930% | 4,947 |
| Tier 1 risk-based capital ratio | 14.1688% | 3,515 |
| Total risk-based capital ratio | 15.3274% | 3,478 |
| Memoranda: | ||
| Average total assets | $203,661,670 | 2,942 |
| Average earning assets | $187,014,000 | 2,965 |
| Average equity | $17,668,670 | 3,489 |
| Average total loans | $126,350,670 | 2,994 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 4,571 |
| Cost of funding earning assets | 0.1404% | 5,672 |
| Net interest margin | 3.4780% | 3,564 |
| Noninterest income to average assets | 1.4267% | 552 |
| Noninterest expense to average assets | 3.6301% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6598% | 3,933 |
| Return on assets (ROA) | 0.6598% | 4,054 |
| Pretax return on assets | 0.9868% | 3,529 |
| Return on Equity (ROE) | 7.6817% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.6817% | 1,595 |
| Net charge-offs to loans | -0.0193% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6266% | 1,814 |
| Assets per employee ($millions) | 3.0927% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,663 |
| Loan loss allowance to noncurrent loans | 51.9553% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9470% | 911 |
| Noncurrent loans to loans | 2.2512% | 898 |
| Net loans and leases to total assets | 62.5456% | 3,447 |
| Net loans and leases to deposits | 71.2469% | 3,723 |
| Net loans and leases to core deposits | 71.3524% | 4,118 |
| Total domestic deposits to total assets | 87.7872% | 1,758 |
| Equity capital to assets | 8.7874% | 5,350 |
| Core capital (leverage) ratio | 8.8945% | 4,966 |
| Tier 1 risk-based capital ratio | 14.0657% | 3,646 |
| Total risk-based capital ratio | 15.2456% | 3,630 |
| Memoranda: | ||
| Average total assets | $201,870,000 | 2,970 |
| Average earning assets | $185,162,500 | 2,994 |
| Average equity | $17,340,000 | 3,536 |
| Average total loans | $124,331,500 | 3,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,787 |
| Cost of funding earning assets | 0.1978% | 5,303 |
| Net interest margin | 3.3583% | 4,084 |
| Noninterest income to average assets | 1.4620% | 574 |
| Noninterest expense to average assets | 3.8162% | 847 |
| Loan and lease loss provision to assets | 0.0103% | 4,197 |
| Net operating income to assets | 0.4774% | 4,776 |
| Return on assets (ROA) | 0.5182% | 4,707 |
| Pretax return on assets | 0.7651% | 4,316 |
| Return on Equity (ROE) | 5.8879% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.1268% | 3,064 |
| Net charge-offs to loans | 0.5509% | 452 |
| Credit loss provision to net charge-offs | 3.0581% | 3,879 |
| Earnings coverage of net charge-offs (x) | 2.1177% | 3,971 |
| Efficiency ratio | 84.2111% | 1,162 |
| Assets per employee ($millions) | 3.0714% | 5,458 |
| Cash dividends to net income (ytd only)* | 29.9103% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,359 |
| Loan loss allowance to noncurrent loans | 55.8824% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 1,035 |
| Noncurrent loans to loans | 2.1838% | 916 |
| Net loans and leases to total assets | 59.1770% | 3,943 |
| Net loans and leases to deposits | 66.1746% | 4,301 |
| Net loans and leases to core deposits | 66.2700% | 4,569 |
| Total domestic deposits to total assets | 89.4255% | 898 |
| Equity capital to assets | 8.3936% | 5,634 |
| Core capital (leverage) ratio | 8.7860% | 5,126 |
| Tier 1 risk-based capital ratio | 14.3296% | 3,536 |
| Total risk-based capital ratio | 15.5496% | 3,465 |
| Memoranda: | ||
| Average total assets | $193,570,000 | 3,007 |
| Average earning assets | $176,936,400 | 3,029 |
| Average equity | $17,035,000 | 3,525 |
| Average total loans | $118,715,400 | 3,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5246% | 4,926 |
| Cost of funding earning assets | 0.2174% | 5,212 |
| Net interest margin | 3.3072% | 4,312 |
| Noninterest income to average assets | 1.4665% | 569 |
| Noninterest expense to average assets | 3.7514% | 903 |
| Loan and lease loss provision to assets | 0.0139% | 3,995 |
| Net operating income to assets | 0.4940% | 4,811 |
| Return on assets (ROA) | 0.5040% | 4,861 |
| Pretax return on assets | 0.7375% | 4,544 |
| Return on Equity (ROE) | 5.6572% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.6572% | 2,481 |
| Net charge-offs to loans | 0.7478% | 277 |
| Credit loss provision to net charge-offs | 3.0211% | 3,505 |
| Earnings coverage of net charge-offs (x) | 1.5967% | 3,800 |
| Efficiency ratio | 83.5844% | 1,213 |
| Assets per employee ($millions) | 2.8932% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 3,441 |
| Loan loss allowance to noncurrent loans | 50.6355% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.1461% | 910 |
| Noncurrent loans to loans | 2.4458% | 837 |
| Net loans and leases to total assets | 61.5572% | 3,665 |
| Net loans and leases to deposits | 69.2217% | 4,070 |
| Net loans and leases to core deposits | 69.3279% | 4,435 |
| Total domestic deposits to total assets | 88.9275% | 1,061 |
| Equity capital to assets | 9.0892% | 5,221 |
| Core capital (leverage) ratio | 9.1800% | 4,759 |
| Tier 1 risk-based capital ratio | 14.4777% | 3,587 |
| Total risk-based capital ratio | 15.7037% | 3,513 |
| Memoranda: | ||
| Average total assets | $191,284,000 | 3,063 |
| Average earning assets | $174,765,750 | 3,078 |
| Average equity | $17,040,000 | 3,555 |
| Average total loans | $118,033,750 | 3,105 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 5,068 |
| Cost of funding earning assets | 0.2317% | 5,125 |
| Net interest margin | 3.2367% | 4,542 |
| Noninterest income to average assets | 1.4441% | 607 |
| Noninterest expense to average assets | 3.7775% | 895 |
| Loan and lease loss provision to assets | 0.0209% | 3,719 |
| Net operating income to assets | 0.4232% | 5,074 |
| Return on assets (ROA) | 0.4232% | 5,175 |
| Pretax return on assets | 0.6092% | 4,951 |
| Return on Equity (ROE) | 4.7831% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.7831% | 3,001 |
| Net charge-offs to loans | 1.1418% | 164 |
| Credit loss provision to net charge-offs | 2.9762% | 3,138 |
| Earnings coverage of net charge-offs (x) | 0.8973% | 3,606 |
| Efficiency ratio | 85.7041% | 1,081 |
| Assets per employee ($millions) | 2.8825% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 3,565 |
| Loan loss allowance to noncurrent loans | 42.4840% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 2.4353% | 789 |
| Noncurrent loans to loans | 2.9173% | 695 |
| Net loans and leases to total assets | 61.3201% | 3,648 |
| Net loans and leases to deposits | 70.2135% | 3,908 |
| Net loans and leases to core deposits | 70.3235% | 4,296 |
| Total domestic deposits to total assets | 87.3338% | 1,996 |
| Equity capital to assets | 8.8832% | 5,356 |
| Core capital (leverage) ratio | 8.8259% | 5,193 |
| Tier 1 risk-based capital ratio | 14.2063% | 3,812 |
| Total risk-based capital ratio | 15.4351% | 3,750 |
| Memoranda: | ||
| Average total assets | $191,395,000 | 3,086 |
| Average earning assets | $175,242,670 | 3,091 |
| Average equity | $16,934,670 | 3,572 |
| Average total loans | $117,705,670 | 3,130 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 4,976 |
| Cost of funding earning assets | 0.2344% | 5,171 |
| Net interest margin | 3.2631% | 4,372 |
| Noninterest income to average assets | 1.4419% | 564 |
| Noninterest expense to average assets | 3.8339% | 841 |
| Loan and lease loss provision to assets | 0.0417% | 3,080 |
| Net operating income to assets | 0.3917% | 5,098 |
| Return on assets (ROA) | 0.3917% | 5,214 |
| Pretax return on assets | 0.5543% | 5,035 |
| Return on Equity (ROE) | 4.4361% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.4361% | 3,361 |
| Net charge-offs to loans | 2.2945% | 71 |
| Credit loss provision to net charge-offs | 2.9674% | 2,480 |
| Earnings coverage of net charge-offs (x) | 0.4243% | 3,058 |
| Efficiency ratio | 86.5475% | 1,131 |
| Assets per employee ($millions) | 2.8319% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 3,681 |
| Loan loss allowance to noncurrent loans | 50.9941% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 1,122 |
| Noncurrent loans to loans | 2.4525% | 996 |
| Net loans and leases to total assets | 59.0775% | 3,784 |
| Net loans and leases to deposits | 67.5617% | 3,997 |
| Net loans and leases to core deposits | 67.6647% | 4,366 |
| Total domestic deposits to total assets | 87.4422% | 2,147 |
| Equity capital to assets | 8.6218% | 5,639 |
| Core capital (leverage) ratio | 9.1675% | 4,764 |
| Tier 1 risk-based capital ratio | 14.6387% | 3,631 |
| Total risk-based capital ratio | 15.8791% | 3,566 |
| Memoranda: | ||
| Average total assets | $191,969,500 | 3,095 |
| Average earning assets | $175,784,000 | 3,107 |
| Average equity | $16,952,000 | 3,596 |
| Average total loans | $117,497,000 | 3,136 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,674 |
| Cost of funding earning assets | 0.2593% | 5,230 |
| Net interest margin | 3.4818% | 3,864 |
| Noninterest income to average assets | 1.4843% | 556 |
| Noninterest expense to average assets | 3.9978% | 754 |
| Loan and lease loss provision to assets | 0.0373% | 3,830 |
| Net operating income to assets | 0.4198% | 5,155 |
| Return on assets (ROA) | 0.4823% | 4,970 |
| Pretax return on assets | 0.7200% | 4,557 |
| Return on Equity (ROE) | 5.2563% | 4,529 |
| Retained earnings to average equity (ytd only) | -0.5518% | 5,856 |
| Net charge-offs to loans | 0.2625% | 1,647 |
| Credit loss provision to net charge-offs | 22.6537% | 3,941 |
| Earnings coverage of net charge-offs (x) | 4.0324% | 3,754 |
| Efficiency ratio | 85.7551% | 1,197 |
| Assets per employee ($millions) | 2.6934% | 6,032 |
| Cash dividends to net income (ytd only)* | 110.4972% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 1,555 |
| Loan loss allowance to noncurrent loans | 54.5361% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 2.7024% | 817 |
| Noncurrent loans to loans | 3.2855% | 651 |
| Net loans and leases to total assets | 61.5144% | 3,568 |
| Net loans and leases to deposits | 70.3652% | 3,858 |
| Net loans and leases to core deposits | 70.4764% | 4,282 |
| Total domestic deposits to total assets | 87.4216% | 2,073 |
| Equity capital to assets | 9.0470% | 5,237 |
| Core capital (leverage) ratio | 8.6226% | 5,421 |
| Tier 1 risk-based capital ratio | 13.9423% | 4,130 |
| Total risk-based capital ratio | 15.1988% | 4,059 |
| Memoranda: | ||
| Average total assets | $187,629,800 | 3,129 |
| Average earning assets | $171,235,400 | 3,143 |
| Average equity | $17,217,400 | 3,499 |
| Average total loans | $117,695,200 | 3,087 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,663 |
| Cost of funding earning assets | 0.2622% | 5,281 |
| Net interest margin | 3.5044% | 3,810 |
| Noninterest income to average assets | 1.5047% | 556 |
| Noninterest expense to average assets | 3.8426% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5711% | 4,590 |
| Return on assets (ROA) | 0.6545% | 4,292 |
| Pretax return on assets | 0.9811% | 3,669 |
| Return on Equity (ROE) | 7.1079% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,764 |
| Net charge-offs to loans | 0.3152% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.3309% | 3,485 |
| Efficiency ratio | 81.7714% | 1,648 |
| Assets per employee ($millions) | 2.8942% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 1,756 |
| Loan loss allowance to noncurrent loans | 61.5955% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.4988% | 1,054 |
| Noncurrent loans to loans | 2.8785% | 945 |
| Net loans and leases to total assets | 60.2408% | 3,745 |
| Net loans and leases to deposits | 68.8834% | 4,029 |
| Net loans and leases to core deposits | 68.9908% | 4,415 |
| Total domestic deposits to total assets | 87.4533% | 2,059 |
| Equity capital to assets | 9.3946% | 4,933 |
| Core capital (leverage) ratio | 9.2843% | 4,659 |
| Tier 1 risk-based capital ratio | 14.7988% | 3,704 |
| Total risk-based capital ratio | 16.0548% | 3,636 |
| Memoranda: | ||
| Average total assets | $187,402,750 | 3,159 |
| Average earning assets | $170,828,500 | 3,172 |
| Average equity | $17,257,500 | 3,504 |
| Average total loans | $117,595,500 | 3,109 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,514 |
| Cost of funding earning assets | 0.2679% | 5,306 |
| Net interest margin | 3.5351% | 3,634 |
| Noninterest income to average assets | 1.4544% | 575 |
| Noninterest expense to average assets | 3.8808% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5261% | 4,709 |
| Return on assets (ROA) | 0.6520% | 4,187 |
| Pretax return on assets | 0.9785% | 3,567 |
| Return on Equity (ROE) | 7.1293% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1293% | 1,697 |
| Net charge-offs to loans | 0.1800% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.9434% | 2,700 |
| Efficiency ratio | 83.0766% | 1,621 |
| Assets per employee ($millions) | 2.9079% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 1,518 |
| Loan loss allowance to noncurrent loans | 89.6730% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.1026% | 1,490 |
| Noncurrent loans to loans | 2.1492% | 1,546 |
| Net loans and leases to total assets | 61.4945% | 3,486 |
| Net loans and leases to deposits | 70.2582% | 3,792 |
| Net loans and leases to core deposits | 70.3705% | 4,229 |
| Total domestic deposits to total assets | 87.5265% | 2,186 |
| Equity capital to assets | 9.5005% | 4,749 |
| Core capital (leverage) ratio | 8.9246% | 5,130 |
| Tier 1 risk-based capital ratio | 14.2987% | 4,063 |
| Total risk-based capital ratio | 15.5563% | 3,992 |
| Memoranda: | ||
| Average total assets | $186,198,670 | 3,192 |
| Average earning assets | $169,441,330 | 3,209 |
| Average equity | $17,028,330 | 3,542 |
| Average total loans | $117,745,330 | 3,107 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,605 |
| Cost of funding earning assets | 0.2721% | 5,367 |
| Net interest margin | 3.4976% | 3,701 |
| Noninterest income to average assets | 1.5249% | 506 |
| Noninterest expense to average assets | 3.8874% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5520% | 4,451 |
| Return on assets (ROA) | 0.5520% | 4,525 |
| Pretax return on assets | 0.8118% | 4,063 |
| Return on Equity (ROE) | 6.1550% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.1550% | 2,454 |
| Net charge-offs to loans | 0.2266% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.6418% | 2,350 |
| Efficiency ratio | 82.7239% | 1,834 |
| Assets per employee ($millions) | 2.8754% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 1,660 |
| Loan loss allowance to noncurrent loans | 98.1974% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.0556% | 1,645 |
| Noncurrent loans to loans | 1.9702% | 1,901 |
| Net loans and leases to total assets | 61.1117% | 3,377 |
| Net loans and leases to deposits | 69.3736% | 3,680 |
| Net loans and leases to core deposits | 69.6544% | 4,135 |
| Total domestic deposits to total assets | 88.0908% | 2,180 |
| Equity capital to assets | 9.0396% | 5,071 |
| Core capital (leverage) ratio | 8.8255% | 5,236 |
| Tier 1 risk-based capital ratio | 13.5181% | 4,670 |
| Total risk-based capital ratio | 14.7764% | 4,602 |
| Memoranda: | ||
| Average total assets | $186,245,000 | 3,216 |
| Average earning assets | $169,029,000 | 3,227 |
| Average equity | $16,702,000 | 3,592 |
| Average total loans | $118,271,000 | 3,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 4,319 |
| Cost of funding earning assets | 0.3835% | 4,812 |
| Net interest margin | 3.5563% | 3,652 |
| Noninterest income to average assets | 1.4113% | 706 |
| Noninterest expense to average assets | 3.9603% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4558% | 4,932 |
| Return on assets (ROA) | 0.5134% | 4,804 |
| Pretax return on assets | 0.7722% | 4,257 |
| Return on Equity (ROE) | 5.4985% | 4,394 |
| Retained earnings to average equity (ytd only) | -5.7689% | 6,409 |
| Net charge-offs to loans | 0.4764% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.3126% | 4,239 |
| Efficiency ratio | 85.2565% | 1,495 |
| Assets per employee ($millions) | 2.7271% | 6,192 |
| Cash dividends to net income (ytd only)* | 204.9180% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 1,575 |
| Loan loss allowance to noncurrent loans | 97.1134% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.2297% | 1,596 |
| Noncurrent loans to loans | 2.0503% | 1,935 |
| Net loans and leases to total assets | 63.4454% | 3,137 |
| Net loans and leases to deposits | 72.4478% | 3,467 |
| Net loans and leases to core deposits | 72.5653% | 3,998 |
| Total domestic deposits to total assets | 87.5740% | 2,434 |
| Equity capital to assets | 8.8932% | 5,154 |
| Core capital (leverage) ratio | 8.4193% | 5,754 |
| Tier 1 risk-based capital ratio | 13.0952% | 4,915 |
| Total risk-based capital ratio | 14.3535% | 4,859 |
| Memoranda: | ||
| Average total assets | $190,110,200 | 3,155 |
| Average earning assets | $172,874,800 | 3,178 |
| Average equity | $17,750,400 | 3,459 |
| Average total loans | $118,186,600 | 3,072 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 4,422 |
| Cost of funding earning assets | 0.4088% | 4,746 |
| Net interest margin | 3.5122% | 3,826 |
| Noninterest income to average assets | 1.3891% | 756 |
| Noninterest expense to average assets | 3.8722% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4813% | 4,883 |
| Return on assets (ROA) | 0.5376% | 4,779 |
| Pretax return on assets | 0.7994% | 4,293 |
| Return on Equity (ROE) | 5.6934% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.6934% | 2,604 |
| Net charge-offs to loans | 0.6150% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.8899% | 4,198 |
| Efficiency ratio | 84.4058% | 1,551 |
| Assets per employee ($millions) | 2.8262% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 1,719 |
| Loan loss allowance to noncurrent loans | 90.7110% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3153% | 1,704 |
| Noncurrent loans to loans | 2.2041% | 2,010 |
| Net loans and leases to total assets | 61.4287% | 3,461 |
| Net loans and leases to deposits | 70.6047% | 3,701 |
| Net loans and leases to core deposits | 70.7159% | 4,241 |
| Total domestic deposits to total assets | 87.0036% | 2,692 |
| Equity capital to assets | 9.6587% | 4,348 |
| Core capital (leverage) ratio | 9.3913% | 4,541 |
| Tier 1 risk-based capital ratio | 14.4156% | 4,133 |
| Total risk-based capital ratio | 15.6742% | 4,085 |
| Memoranda: | ||
| Average total assets | $191,959,500 | 3,152 |
| Average earning assets | $174,815,250 | 3,179 |
| Average equity | $18,125,750 | 3,436 |
| Average total loans | $118,163,750 | 3,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,515 |
| Cost of funding earning assets | 0.4560% | 4,362 |
| Net interest margin | 3.4352% | 4,060 |
| Noninterest income to average assets | 1.3452% | 866 |
| Noninterest expense to average assets | 3.8905% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4045% | 5,198 |
| Return on assets (ROA) | 0.4460% | 5,203 |
| Pretax return on assets | 0.6482% | 4,847 |
| Return on Equity (ROE) | 4.7589% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.7589% | 3,214 |
| Net charge-offs to loans | 0.7916% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.2141% | 4,136 |
| Efficiency ratio | 86.8689% | 1,329 |
| Assets per employee ($millions) | 2.8268% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 1,692 |
| Loan loss allowance to noncurrent loans | 87.0075% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4504% | 1,733 |
| Noncurrent loans to loans | 2.3839% | 1,974 |
| Net loans and leases to total assets | 61.0996% | 3,465 |
| Net loans and leases to deposits | 69.9779% | 3,713 |
| Net loans and leases to core deposits | 70.0877% | 4,270 |
| Total domestic deposits to total assets | 87.3127% | 2,653 |
| Equity capital to assets | 9.3414% | 4,798 |
| Core capital (leverage) ratio | 9.0950% | 4,834 |
| Tier 1 risk-based capital ratio | 14.0408% | 4,391 |
| Total risk-based capital ratio | 15.3003% | 4,345 |
| Memoranda: | ||
| Average total assets | $192,828,330 | 3,154 |
| Average earning assets | $175,884,670 | 3,174 |
| Average equity | $18,071,330 | 3,470 |
| Average total loans | $117,988,330 | 3,108 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 4,390 |
| Cost of funding earning assets | 0.4605% | 4,482 |
| Net interest margin | 3.4635% | 3,845 |
| Noninterest income to average assets | 1.3426% | 853 |
| Noninterest expense to average assets | 3.7791% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4991% | 4,672 |
| Return on assets (ROA) | 0.5284% | 4,686 |
| Pretax return on assets | 0.7772% | 4,265 |
| Return on Equity (ROE) | 5.6295% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.6295% | 2,877 |
| Net charge-offs to loans | 1.0721% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1297% | 3,456 |
| Efficiency ratio | 83.7358% | 1,805 |
| Assets per employee ($millions) | 2.9966% | 5,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,629 |
| Loan loss allowance to noncurrent loans | 84.9771% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 2,172 |
| Noncurrent loans to loans | 2.5628% | 2,016 |
| Net loans and leases to total assets | 60.0033% | 3,428 |
| Net loans and leases to deposits | 70.0127% | 3,479 |
| Net loans and leases to core deposits | 70.1215% | 4,068 |
| Total domestic deposits to total assets | 85.7034% | 3,677 |
| Equity capital to assets | 9.3905% | 5,012 |
| Core capital (leverage) ratio | 8.6736% | 5,360 |
| Tier 1 risk-based capital ratio | 13.6642% | 4,750 |
| Total risk-based capital ratio | 14.9252% | 4,708 |
| Memoranda: | ||
| Average total assets | $194,545,500 | 3,164 |
| Average earning assets | $178,084,500 | 3,172 |
| Average equity | $18,261,000 | 3,488 |
| Average total loans | $117,897,500 | 3,126 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 4,375 |
| Cost of funding earning assets | 0.5239% | 5,037 |
| Net interest margin | 3.7341% | 3,507 |
| Noninterest income to average assets | 1.3408% | 860 |
| Noninterest expense to average assets | 3.8455% | 1,175 |
| Loan and lease loss provision to assets | 0.2305% | 2,829 |
| Net operating income to assets | 0.4069% | 5,075 |
| Return on assets (ROA) | 0.4252% | 5,241 |
| Pretax return on assets | 0.7003% | 4,663 |
| Return on Equity (ROE) | 4.5283% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.2548% | 5,240 |
| Net charge-offs to loans | 0.6718% | 1,752 |
| Credit loss provision to net charge-offs | 53.8922% | 4,601 |
| Earnings coverage of net charge-offs (x) | 2.1090% | 4,360 |
| Efficiency ratio | 80.9971% | 2,006 |
| Assets per employee ($millions) | 2.9894% | 6,032 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5086% | 1,121 |
| Loan loss allowance to noncurrent loans | 64.2307% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.9247% | 1,624 |
| Noncurrent loans to loans | 3.9057% | 1,231 |
| Net loans and leases to total assets | 58.3604% | 3,907 |
| Net loans and leases to deposits | 69.3939% | 3,780 |
| Net loans and leases to core deposits | 69.5036% | 4,376 |
| Total domestic deposits to total assets | 84.1001% | 4,271 |
| Equity capital to assets | 9.3824% | 5,022 |
| Core capital (leverage) ratio | 8.3590% | 5,812 |
| Tier 1 risk-based capital ratio | 13.4166% | 4,813 |
| Total risk-based capital ratio | 14.6809% | 4,758 |
| Memoranda: | ||
| Average total assets | $195,189,000 | 3,108 |
| Average earning assets | $178,086,400 | 3,115 |
| Average equity | $18,329,000 | 3,429 |
| Average total loans | $124,285,800 | 2,998 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 4,483 |
| Cost of funding earning assets | 0.5367% | 5,191 |
| Net interest margin | 3.7537% | 3,529 |
| Noninterest income to average assets | 1.2875% | 894 |
| Noninterest expense to average assets | 3.8257% | 1,165 |
| Loan and lease loss provision to assets | 0.3070% | 2,154 |
| Net operating income to assets | 0.3975% | 5,262 |
| Return on assets (ROA) | 0.4121% | 5,429 |
| Pretax return on assets | 0.5977% | 5,173 |
| Return on Equity (ROE) | 4.3878% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.3878% | 3,800 |
| Net charge-offs to loans | 0.6515% | 1,683 |
| Credit loss provision to net charge-offs | 72.9335% | 3,823 |
| Earnings coverage of net charge-offs (x) | 2.0989% | 4,220 |
| Efficiency ratio | 81.2373% | 1,904 |
| Assets per employee ($millions) | 3.0255% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5114% | 1,195 |
| Loan loss allowance to noncurrent loans | 71.7456% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 1,958 |
| Noncurrent loans to loans | 3.5004% | 1,549 |
| Net loans and leases to total assets | 60.9649% | 3,579 |
| Net loans and leases to deposits | 71.8173% | 3,638 |
| Net loans and leases to core deposits | 72.0489% | 4,245 |
| Total domestic deposits to total assets | 84.8890% | 3,796 |
| Equity capital to assets | 9.3949% | 5,345 |
| Core capital (leverage) ratio | 8.4808% | 5,778 |
| Tier 1 risk-based capital ratio | 12.6623% | 5,515 |
| Total risk-based capital ratio | 13.9264% | 5,462 |
| Memoranda: | ||
| Average total assets | $195,408,750 | 3,137 |
| Average earning assets | $178,131,250 | 3,159 |
| Average equity | $18,353,500 | 3,460 |
| Average total loans | $126,277,750 | 2,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 4,318 |
| Cost of funding earning assets | 0.5494% | 5,309 |
| Net interest margin | 3.8173% | 3,281 |
| Noninterest income to average assets | 1.2496% | 914 |
| Noninterest expense to average assets | 3.8261% | 1,169 |
| Loan and lease loss provision to assets | 0.3093% | 2,133 |
| Net operating income to assets | 0.4063% | 5,191 |
| Return on assets (ROA) | 0.4134% | 5,398 |
| Pretax return on assets | 0.5990% | 5,138 |
| Return on Equity (ROE) | 4.4022% | 5,091 |
| Retained earnings to average equity (ytd only) | 4.4022% | 3,684 |
| Net charge-offs to loans | -0.0868% | 6,828 |
| Credit loss provision to net charge-offs | -545.4545% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9908% | 2,028 |
| Assets per employee ($millions) | 2.8247% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8680% | 889 |
| Loan loss allowance to noncurrent loans | 117.0186% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 2.1693% | 2,580 |
| Noncurrent loans to loans | 2.4509% | 2,451 |
| Net loans and leases to total assets | 63.5626% | 3,130 |
| Net loans and leases to deposits | 74.9893% | 3,128 |
| Net loans and leases to core deposits | 75.1061% | 3,869 |
| Total domestic deposits to total assets | 84.7622% | 3,965 |
| Equity capital to assets | 9.4405% | 5,143 |
| Core capital (leverage) ratio | 8.3809% | 5,817 |
| Tier 1 risk-based capital ratio | 12.2559% | 5,752 |
| Total risk-based capital ratio | 13.5250% | 5,716 |
| Memoranda: | ||
| Average total assets | $193,984,330 | 3,164 |
| Average earning assets | $176,562,330 | 3,183 |
| Average equity | $18,218,000 | 3,467 |
| Average total loans | $126,746,330 | 2,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 4,397 |
| Cost of funding earning assets | 0.5620% | 5,417 |
| Net interest margin | 3.8203% | 3,289 |
| Noninterest income to average assets | 1.3786% | 764 |
| Noninterest expense to average assets | 3.9354% | 1,011 |
| Loan and lease loss provision to assets | 0.3100% | 2,029 |
| Net operating income to assets | 0.4157% | 5,191 |
| Return on assets (ROA) | 0.4299% | 5,312 |
| Pretax return on assets | 0.6242% | 5,031 |
| Return on Equity (ROE) | 4.5898% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.5898% | 3,819 |
| Net charge-offs to loans | 0.0791% | 3,705 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 17.6800% | 1,298 |
| Efficiency ratio | 81.1594% | 2,056 |
| Assets per employee ($millions) | 2.7992% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6791% | 1,142 |
| Loan loss allowance to noncurrent loans | 93.1269% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.4216% | 2,443 |
| Noncurrent loans to loans | 2.8768% | 2,246 |
| Net loans and leases to total assets | 63.5530% | 2,932 |
| Net loans and leases to deposits | 74.6686% | 3,019 |
| Net loans and leases to core deposits | 74.9147% | 3,759 |
| Total domestic deposits to total assets | 85.1135% | 3,980 |
| Equity capital to assets | 9.2293% | 5,190 |
| Core capital (leverage) ratio | 8.3226% | 5,840 |
| Tier 1 risk-based capital ratio | 12.0173% | 5,952 |
| Total risk-based capital ratio | 13.2843% | 5,927 |
| Memoranda: | ||
| Average total assets | $193,524,500 | 3,189 |
| Average earning assets | $175,796,500 | 3,215 |
| Average equity | $18,127,000 | 3,479 |
| Average total loans | $126,347,500 | 3,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 4,219 |
| Cost of funding earning assets | 0.6635% | 5,747 |
| Net interest margin | 4.0421% | 2,670 |
| Noninterest income to average assets | 1.3562% | 703 |
| Noninterest expense to average assets | 4.2011% | 806 |
| Loan and lease loss provision to assets | 0.4548% | 2,324 |
| Net operating income to assets | 0.3603% | 5,033 |
| Return on assets (ROA) | 0.3977% | 5,047 |
| Pretax return on assets | 0.3977% | 5,302 |
| Return on Equity (ROE) | 4.4344% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.4344% | 3,015 |
| Net charge-offs to loans | 1.0478% | 1,659 |
| Credit loss provision to net charge-offs | 63.3803% | 5,073 |
| Earnings coverage of net charge-offs (x) | 1.1359% | 4,937 |
| Efficiency ratio | 83.7514% | 1,791 |
| Assets per employee ($millions) | 2.7697% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6479% | 1,133 |
| Loan loss allowance to noncurrent loans | 80.2478% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.7649% | 2,197 |
| Noncurrent loans to loans | 3.2997% | 1,964 |
| Net loans and leases to total assets | 63.5440% | 3,281 |
| Net loans and leases to deposits | 74.5245% | 3,411 |
| Net loans and leases to core deposits | 74.8941% | 4,117 |
| Total domestic deposits to total assets | 85.2658% | 3,713 |
| Equity capital to assets | 9.5078% | 4,879 |
| Core capital (leverage) ratio | 8.1900% | 6,020 |
| Tier 1 risk-based capital ratio | 12.1688% | 5,709 |
| Total risk-based capital ratio | 13.4353% | 5,676 |
| Memoranda: | ||
| Average total assets | $197,899,800 | 3,078 |
| Average earning assets | $179,188,400 | 3,102 |
| Average equity | $17,747,800 | 3,462 |
| Average total loans | $135,520,200 | 2,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 4,233 |
| Cost of funding earning assets | 0.6794% | 5,881 |
| Net interest margin | 4.0691% | 2,606 |
| Noninterest income to average assets | 1.3961% | 671 |
| Noninterest expense to average assets | 4.1422% | 848 |
| Loan and lease loss provision to assets | 0.4375% | 2,291 |
| Net operating income to assets | 0.4616% | 4,717 |
| Return on assets (ROA) | 0.4616% | 4,907 |
| Pretax return on assets | 0.5010% | 5,154 |
| Return on Equity (ROE) | 5.2222% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.2222% | 3,047 |
| Net charge-offs to loans | 1.2299% | 1,262 |
| Credit loss provision to net charge-offs | 51.3725% | 5,006 |
| Earnings coverage of net charge-offs (x) | 1.1020% | 4,806 |
| Efficiency ratio | 81.5277% | 2,037 |
| Assets per employee ($millions) | 2.7774% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 1,513 |
| Loan loss allowance to noncurrent loans | 73.0112% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.9468% | 2,186 |
| Noncurrent loans to loans | 3.3091% | 2,084 |
| Net loans and leases to total assets | 65.6036% | 2,983 |
| Net loans and leases to deposits | 76.7145% | 3,211 |
| Net loans and leases to core deposits | 77.0792% | 4,036 |
| Total domestic deposits to total assets | 85.5166% | 3,481 |
| Equity capital to assets | 9.2440% | 5,455 |
| Core capital (leverage) ratio | 8.1642% | 6,174 |
| Tier 1 risk-based capital ratio | 11.7543% | 6,067 |
| Total risk-based capital ratio | 13.0180% | 6,054 |
| Memoranda: | ||
| Average total assets | $199,598,000 | 3,081 |
| Average earning assets | $180,740,500 | 3,100 |
| Average equity | $17,642,250 | 3,478 |
| Average total loans | $138,215,250 | 2,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 4,306 |
| Cost of funding earning assets | 0.6962% | 5,988 |
| Net interest margin | 4.0535% | 2,597 |
| Noninterest income to average assets | 1.4232% | 630 |
| Noninterest expense to average assets | 4.1996% | 832 |
| Loan and lease loss provision to assets | 0.4491% | 2,177 |
| Net operating income to assets | 0.3952% | 4,967 |
| Return on assets (ROA) | 0.3952% | 5,114 |
| Pretax return on assets | 0.4411% | 5,259 |
| Return on Equity (ROE) | 4.5395% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5395% | 3,301 |
| Net charge-offs to loans | 1.1107% | 1,419 |
| Credit loss provision to net charge-offs | 57.8406% | 4,398 |
| Earnings coverage of net charge-offs (x) | 1.1465% | 4,417 |
| Efficiency ratio | 82.5098% | 2,027 |
| Assets per employee ($millions) | 2.5642% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 1,403 |
| Loan loss allowance to noncurrent loans | 63.3726% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 3.5989% | 1,823 |
| Noncurrent loans to loans | 3.9924% | 1,737 |
| Net loans and leases to total assets | 67.3193% | 2,756 |
| Net loans and leases to deposits | 78.6596% | 3,011 |
| Net loans and leases to core deposits | 78.8905% | 3,949 |
| Total domestic deposits to total assets | 85.5831% | 3,574 |
| Equity capital to assets | 8.9301% | 5,677 |
| Core capital (leverage) ratio | 7.6356% | 6,638 |
| Tier 1 risk-based capital ratio | 10.8007% | 6,659 |
| Total risk-based capital ratio | 12.0664% | 6,621 |
| Memoranda: | ||
| Average total assets | $200,398,000 | 3,097 |
| Average earning assets | $181,274,670 | 3,111 |
| Average equity | $17,446,670 | 3,504 |
| Average total loans | $140,096,330 | 2,843 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 4,573 |
| Cost of funding earning assets | 0.7173% | 6,038 |
| Net interest margin | 3.9707% | 2,819 |
| Noninterest income to average assets | 1.4278% | 630 |
| Noninterest expense to average assets | 4.2933% | 730 |
| Loan and lease loss provision to assets | 0.4487% | 1,964 |
| Net operating income to assets | 0.2592% | 5,584 |
| Return on assets (ROA) | 0.2592% | 5,646 |
| Pretax return on assets | 0.2732% | 5,735 |
| Return on Equity (ROE) | 3.0163% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.0163% | 4,354 |
| Net charge-offs to loans | 1.8430% | 701 |
| Credit loss provision to net charge-offs | 34.6154% | 4,041 |
| Earnings coverage of net charge-offs (x) | 0.5569% | 4,201 |
| Efficiency ratio | 85.6064% | 1,760 |
| Assets per employee ($millions) | 2.5226% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4631% | 1,514 |
| Loan loss allowance to noncurrent loans | 62.7516% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 3.5851% | 1,899 |
| Noncurrent loans to loans | 3.9251% | 1,868 |
| Net loans and leases to total assets | 66.6776% | 2,838 |
| Net loans and leases to deposits | 77.4972% | 3,154 |
| Net loans and leases to core deposits | 77.8501% | 4,042 |
| Total domestic deposits to total assets | 86.0386% | 3,508 |
| Equity capital to assets | 8.5740% | 5,808 |
| Core capital (leverage) ratio | 7.5383% | 6,704 |
| Tier 1 risk-based capital ratio | 10.6543% | 6,718 |
| Total risk-based capital ratio | 11.9188% | 6,694 |
| Memoranda: | ||
| Average total assets | $200,593,000 | 3,104 |
| Average earning assets | $181,226,000 | 3,126 |
| Average equity | $17,239,500 | 3,530 |
| Average total loans | $141,075,000 | 2,866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,202 |
| Cost of funding earning assets | 0.9778% | 5,795 |
| Net interest margin | 4.3065% | 1,802 |
| Noninterest income to average assets | 0.9884% | 1,545 |
| Noninterest expense to average assets | 4.1975% | 907 |
| Loan and lease loss provision to assets | 0.6549% | 2,517 |
| Net operating income to assets | 0.0206% | 5,773 |
| Return on assets (ROA) | 0.0711% | 5,793 |
| Pretax return on assets | 0.0711% | 5,757 |
| Return on Equity (ROE) | 0.8370% | 5,742 |
| Retained earnings to average equity (ytd only) | 0.8370% | 5,130 |
| Net charge-offs to loans | 1.2984% | 1,719 |
| Credit loss provision to net charge-offs | 66.9509% | 5,934 |
| Earnings coverage of net charge-offs (x) | 0.6906% | 5,422 |
| Efficiency ratio | 86.1385% | 1,684 |
| Assets per employee ($millions) | 2.5238% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6513% | 1,223 |
| Loan loss allowance to noncurrent loans | 68.2557% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.6779% | 1,870 |
| Noncurrent loans to loans | 3.8844% | 1,888 |
| Net loans and leases to total assets | 70.4031% | 2,433 |
| Net loans and leases to deposits | 81.6355% | 2,877 |
| Net loans and leases to core deposits | 82.1284% | 3,893 |
| Total domestic deposits to total assets | 86.2408% | 3,237 |
| Equity capital to assets | 8.6147% | 5,701 |
| Core capital (leverage) ratio | 7.3235% | 6,830 |
| Tier 1 risk-based capital ratio | 10.2061% | 6,868 |
| Total risk-based capital ratio | 11.4735% | 6,838 |
| Memoranda: | ||
| Average total assets | $203,858,200 | 3,054 |
| Average earning assets | $183,885,600 | 3,078 |
| Average equity | $17,323,000 | 3,531 |
| Average total loans | $153,571,400 | 2,711 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 3,285 |
| Cost of funding earning assets | 1.0246% | 5,828 |
| Net interest margin | 4.2887% | 1,883 |
| Noninterest income to average assets | 0.8976% | 1,806 |
| Noninterest expense to average assets | 4.2091% | 813 |
| Loan and lease loss provision to assets | 0.7415% | 2,059 |
| Net operating income to assets | -0.0676% | 6,137 |
| Return on assets (ROA) | -0.0247% | 6,172 |
| Pretax return on assets | -0.1171% | 6,238 |
| Return on Equity (ROE) | -0.2919% | 6,185 |
| Retained earnings to average equity (ytd only) | -0.2919% | 5,855 |
| Net charge-offs to loans | 0.2907% | 4,203 |
| Credit loss provision to net charge-offs | 335.2941% | 947 |
| Earnings coverage of net charge-offs (x) | 2.5206% | 3,907 |
| Efficiency ratio | 88.3051% | 1,431 |
| Assets per employee ($millions) | 2.4686% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4636% | 553 |
| Loan loss allowance to noncurrent loans | 83.5627% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 4.1358% | 1,665 |
| Noncurrent loans to loans | 4.1449% | 1,779 |
| Net loans and leases to total assets | 72.7261% | 2,069 |
| Net loans and leases to deposits | 84.1953% | 2,673 |
| Net loans and leases to core deposits | 84.8142% | 3,835 |
| Total domestic deposits to total assets | 86.3779% | 2,869 |
| Equity capital to assets | 8.5477% | 6,221 |
| Core capital (leverage) ratio | 7.3118% | 6,997 |
| Tier 1 risk-based capital ratio | 9.8369% | 7,142 |
| Total risk-based capital ratio | 11.1155% | 7,126 |
| Memoranda: | ||
| Average total assets | $204,978,000 | 3,075 |
| Average earning assets | $184,914,500 | 3,112 |
| Average equity | $17,359,750 | 3,581 |
| Average total loans | $155,916,250 | 2,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 3,459 |
| Cost of funding earning assets | 1.0460% | 5,933 |
| Net interest margin | 4.2572% | 1,931 |
| Noninterest income to average assets | 0.7754% | 2,255 |
| Noninterest expense to average assets | 4.2336% | 778 |
| Loan and lease loss provision to assets | 0.6024% | 2,378 |
| Net operating income to assets | -0.0933% | 6,222 |
| Return on assets (ROA) | -0.0933% | 6,294 |
| Pretax return on assets | -0.2245% | 6,358 |
| Return on Equity (ROE) | -1.1048% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.1048% | 5,991 |
| Net charge-offs to loans | 0.4228% | 3,307 |
| Credit loss provision to net charge-offs | 186.7470% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.1717% | 4,624 |
| Efficiency ratio | 91.8036% | 1,203 |
| Assets per employee ($millions) | 2.4457% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0154% | 809 |
| Loan loss allowance to noncurrent loans | 67.0886% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 4.6361% | 1,411 |
| Noncurrent loans to loans | 4.4947% | 1,616 |
| Net loans and leases to total assets | 75.5767% | 1,576 |
| Net loans and leases to deposits | 87.0426% | 2,330 |
| Net loans and leases to core deposits | 87.4256% | 3,633 |
| Total domestic deposits to total assets | 86.8273% | 2,635 |
| Equity capital to assets | 8.5150% | 6,147 |
| Core capital (leverage) ratio | 7.3024% | 6,995 |
| Tier 1 risk-based capital ratio | 9.4929% | 7,265 |
| Total risk-based capital ratio | 10.7656% | 7,260 |
| Memoranda: | ||
| Average total assets | $205,828,000 | 3,095 |
| Average earning assets | $185,473,670 | 3,127 |
| Average equity | $17,378,670 | 3,573 |
| Average total loans | $157,055,000 | 2,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 3,494 |
| Cost of funding earning assets | 1.0625% | 6,075 |
| Net interest margin | 4.2477% | 1,864 |
| Noninterest income to average assets | 0.9207% | 1,552 |
| Noninterest expense to average assets | 4.1728% | 837 |
| Loan and lease loss provision to assets | 0.3860% | 3,046 |
| Net operating income to assets | 0.1660% | 5,802 |
| Return on assets (ROA) | 0.1660% | 5,931 |
| Pretax return on assets | 0.1891% | 5,903 |
| Return on Equity (ROE) | 1.9741% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.9741% | 4,950 |
| Net charge-offs to loans | -0.0230% | 7,109 |
| Credit loss provision to net charge-offs | -2,222.2222% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8862% | 1,600 |
| Assets per employee ($millions) | 2.4001% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9981% | 826 |
| Loan loss allowance to noncurrent loans | 70.7115% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 4.2901% | 1,583 |
| Noncurrent loans to loans | 4.2400% | 1,806 |
| Net loans and leases to total assets | 73.5313% | 2,072 |
| Net loans and leases to deposits | 84.6555% | 2,826 |
| Net loans and leases to core deposits | 85.1385% | 4,024 |
| Total domestic deposits to total assets | 86.8594% | 2,703 |
| Equity capital to assets | 8.4436% | 6,080 |
| Core capital (leverage) ratio | 7.3647% | 6,972 |
| Tier 1 risk-based capital ratio | 9.4435% | 7,332 |
| Total risk-based capital ratio | 10.7145% | 7,316 |
| Memoranda: | ||
| Average total assets | $207,244,500 | 3,127 |
| Average earning assets | $186,737,000 | 3,168 |
| Average equity | $17,425,500 | 3,582 |
| Average total loans | $156,489,000 | 2,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5002% | 4,142 |
| Cost of funding earning assets | 1.3802% | 6,017 |
| Net interest margin | 4.1200% | 2,365 |
| Noninterest income to average assets | 0.9923% | 1,603 |
| Noninterest expense to average assets | 4.8154% | 599 |
| Loan and lease loss provision to assets | 2.5539% | 774 |
| Net operating income to assets | -1.5598% | 6,889 |
| Return on assets (ROA) | -1.5575% | 6,891 |
| Pretax return on assets | -2.6404% | 7,188 |
| Return on Equity (ROE) | -16.7652% | 7,022 |
| Retained earnings to average equity (ytd only) | -16.7652% | 6,976 |
| Net charge-offs to loans | 1.8698% | 1,335 |
| Credit loss provision to net charge-offs | 184.3524% | 2,221 |
| Earnings coverage of net charge-offs (x) | -0.0651% | 6,289 |
| Efficiency ratio | 82.4113% | 2,555 |
| Assets per employee ($millions) | 2.3918% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8636% | 871 |
| Loan loss allowance to noncurrent loans | 100.4482% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 3.4424% | 1,956 |
| Noncurrent loans to loans | 2.8509% | 2,701 |
| Net loans and leases to total assets | 73.0632% | 2,494 |
| Net loans and leases to deposits | 84.2637% | 3,208 |
| Net loans and leases to core deposits | 91.4374% | 4,958 |
| Total domestic deposits to total assets | 86.7077% | 2,652 |
| Equity capital to assets | 8.3731% | 6,093 |
| Core capital (leverage) ratio | 7.0105% | 7,227 |
| Tier 1 risk-based capital ratio | 9.2979% | 7,330 |
| Total risk-based capital ratio | 10.5671% | 7,309 |
| Memoranda: | ||
| Average total assets | $219,585,800 | 2,948 |
| Average earning assets | $198,956,400 | 2,983 |
| Average equity | $20,399,400 | 3,147 |
| Average total loans | $162,690,800 | 2,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 4,420 |
| Cost of funding earning assets | 1.4454% | 6,057 |
| Net interest margin | 4.0542% | 2,575 |
| Noninterest income to average assets | 1.0956% | 1,325 |
| Noninterest expense to average assets | 4.0282% | 1,239 |
| Loan and lease loss provision to assets | 0.5754% | 3,081 |
| Net operating income to assets | 0.1527% | 5,311 |
| Return on assets (ROA) | 0.1570% | 5,355 |
| Pretax return on assets | 0.1750% | 5,352 |
| Return on Equity (ROE) | 1.6521% | 5,283 |
| Retained earnings to average equity (ytd only) | 1.6521% | 4,388 |
| Net charge-offs to loans | 0.9718% | 2,030 |
| Credit loss provision to net charge-offs | 80.2005% | 5,760 |
| Earnings coverage of net charge-offs (x) | 1.0393% | 5,015 |
| Efficiency ratio | 84.3817% | 2,253 |
| Assets per employee ($millions) | 2.4115% | 7,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 6,103 |
| Loan loss allowance to noncurrent loans | 26.4451% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 3.8131% | 1,694 |
| Noncurrent loans to loans | 3.8983% | 1,888 |
| Net loans and leases to total assets | 75.1013% | 2,224 |
| Net loans and leases to deposits | 88.0524% | 2,946 |
| Net loans and leases to core deposits | 96.0533% | 4,809 |
| Total domestic deposits to total assets | 85.2916% | 3,079 |
| Equity capital to assets | 9.8744% | 4,239 |
| Core capital (leverage) ratio | 8.9192% | 4,781 |
| Tier 1 risk-based capital ratio | 11.7579% | 5,192 |
| Total risk-based capital ratio | 12.7908% | 5,340 |
| Memoranda: | ||
| Average total assets | $222,461,500 | 2,924 |
| Average earning assets | $201,826,000 | 2,960 |
| Average equity | $21,143,500 | 3,080 |
| Average total loans | $164,235,000 | 2,721 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5215% | 4,501 |
| Cost of funding earning assets | 1.5435% | 5,959 |
| Net interest margin | 3.9781% | 2,800 |
| Noninterest income to average assets | 1.1081% | 1,293 |
| Noninterest expense to average assets | 4.0573% | 1,240 |
| Loan and lease loss provision to assets | 0.4265% | 3,416 |
| Net operating income to assets | 0.1886% | 5,311 |
| Return on assets (ROA) | 0.1946% | 5,360 |
| Pretax return on assets | 0.2293% | 5,389 |
| Return on Equity (ROE) | 2.0732% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.0732% | 4,190 |
| Net charge-offs to loans | 0.5805% | 2,589 |
| Credit loss provision to net charge-offs | 100.4184% | 4,545 |
| Earnings coverage of net charge-offs (x) | 1.5272% | 4,395 |
| Efficiency ratio | 86.2160% | 2,209 |
| Assets per employee ($millions) | 2.4246% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 5,086 |
| Loan loss allowance to noncurrent loans | 30.7618% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 3.5983% | 1,720 |
| Noncurrent loans to loans | 3.8319% | 1,779 |
| Net loans and leases to total assets | 73.6854% | 2,794 |
| Net loans and leases to deposits | 86.5503% | 3,451 |
| Net loans and leases to core deposits | 93.8877% | 5,129 |
| Total domestic deposits to total assets | 85.1359% | 3,198 |
| Equity capital to assets | 9.6940% | 4,358 |
| Core capital (leverage) ratio | 8.6255% | 5,220 |
| Tier 1 risk-based capital ratio | 11.6584% | 5,238 |
| Total risk-based capital ratio | 12.8310% | 5,235 |
| Memoranda: | ||
| Average total assets | $225,073,330 | 2,915 |
| Average earning assets | $203,566,330 | 2,951 |
| Average equity | $21,127,000 | 3,078 |
| Average total loans | $164,691,330 | 2,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5814% | 4,463 |
| Cost of funding earning assets | 1.6832% | 5,672 |
| Net interest margin | 3.8982% | 3,048 |
| Noninterest income to average assets | 1.0678% | 1,300 |
| Noninterest expense to average assets | 3.9282% | 1,272 |
| Loan and lease loss provision to assets | 0.3676% | 3,117 |
| Net operating income to assets | 0.2258% | 5,576 |
| Return on assets (ROA) | 0.2258% | 5,735 |
| Pretax return on assets | 0.2748% | 5,751 |
| Return on Equity (ROE) | 2.4439% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.4439% | 4,516 |
| Net charge-offs to loans | 0.3718% | 2,602 |
| Credit loss provision to net charge-offs | 136.3636% | 2,975 |
| Earnings coverage of net charge-offs (x) | 2.3831% | 3,539 |
| Efficiency ratio | 85.9441% | 2,070 |
| Assets per employee ($millions) | 2.4375% | 7,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,934 |
| Loan loss allowance to noncurrent loans | 26.5983% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 3.5915% | 1,480 |
| Noncurrent loans to loans | 4.4328% | 1,308 |
| Net loans and leases to total assets | 72.1359% | 3,214 |
| Net loans and leases to deposits | 83.6071% | 4,042 |
| Net loans and leases to core deposits | 91.2258% | 5,438 |
| Total domestic deposits to total assets | 86.2796% | 2,568 |
| Equity capital to assets | 9.2242% | 5,055 |
| Core capital (leverage) ratio | 8.4232% | 5,674 |
| Tier 1 risk-based capital ratio | 11.2467% | 5,650 |
| Total risk-based capital ratio | 12.4153% | 5,661 |
| Memoranda: | ||
| Average total assets | $228,501,500 | 2,888 |
| Average earning assets | $205,325,500 | 2,942 |
| Average equity | $21,113,500 | 3,104 |
| Average total loans | $165,681,000 | 2,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0928% | 5,087 |
| Cost of funding earning assets | 1.8852% | 6,772 |
| Net interest margin | 4.2076% | 2,286 |
| Noninterest income to average assets | 1.2194% | 997 |
| Noninterest expense to average assets | 3.9676% | 1,463 |
| Loan and lease loss provision to assets | 1.9902% | 604 |
| Net operating income to assets | -0.4526% | 6,885 |
| Return on assets (ROA) | -0.4526% | 6,763 |
| Pretax return on assets | -0.9525% | 6,973 |
| Return on Equity (ROE) | -4.4176% | 6,797 |
| Retained earnings to average equity (ytd only) | -18.7090% | 7,646 |
| Net charge-offs to loans | 2.3284% | 442 |
| Credit loss provision to net charge-offs | 124.9640% | 4,282 |
| Earnings coverage of net charge-offs (x) | 0.6516% | 5,831 |
| Efficiency ratio | 79.2671% | 2,713 |
| Assets per employee ($millions) | 2.4242% | 7,355 |
| Cash dividends to net income (ytd only)* | -323.5056% | 8,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 4,797 |
| Loan loss allowance to noncurrent loans | 25.8291% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 3.6441% | 1,203 |
| Noncurrent loans to loans | 4.5202% | 1,055 |
| Net loans and leases to total assets | 71.1752% | 3,754 |
| Net loans and leases to deposits | 82.8741% | 4,594 |
| Net loans and leases to core deposits | 90.5620% | 5,752 |
| Total domestic deposits to total assets | 85.8836% | 2,459 |
| Equity capital to assets | 9.2559% | 4,996 |
| Core capital (leverage) ratio | 8.5198% | 5,540 |
| Tier 1 risk-based capital ratio | 11.3660% | 5,366 |
| Total risk-based capital ratio | 12.5213% | 5,354 |
| Memoranda: | ||
| Average total assets | $218,065,400 | 2,897 |
| Average earning assets | $196,215,200 | 2,937 |
| Average equity | $22,342,200 | 2,929 |
| Average total loans | $149,157,600 | 2,945 |