Home > Farmers-Merchants Bank & Trust Company > Performance and Condition Ratios
Farmers-Merchants Bank & Trust Company, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 1,279 |
| Cost of funding earning assets | 0.2368% | 3,071 |
| Net interest margin | 3.7981% | 1,011 |
| Noninterest income to average assets | 0.9838% | 1,034 |
| Noninterest expense to average assets | 2.8678% | 1,224 |
| Loan and lease loss provision to assets | 0.2226% | 452 |
| Net operating income to assets | 1.4513% | 1,133 |
| Return on assets (ROA) | 1.4559% | 1,191 |
| Pretax return on assets | 1.4559% | 1,862 |
| Return on Equity (ROE) | 12.1790% | 1,750 |
| Retained earnings to average equity (ytd only) | 4.1668% | 3,158 |
| Net charge-offs to loans | 0.3316% | 259 |
| Credit loss provision to net charge-offs | 112.3235% | 1,698 |
| Earnings coverage of net charge-offs (x) | 8.4467% | 2,298 |
| Efficiency ratio | 63.1434% | 2,690 |
| Assets per employee ($millions) | 4.4882% | 4,126 |
| Cash dividends to net income (ytd only)* | 65.7872% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 1,439 |
| Loan loss allowance to noncurrent loans | 65.2700% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 320 |
| Noncurrent loans to loans | 2.3535% | 297 |
| Net loans and leases to total assets | 55.6192% | 2,662 |
| Net loans and leases to deposits | 63.0401% | 2,781 |
| Net loans and leases to core deposits | 65.8461% | 2,834 |
| Total domestic deposits to total assets | 88.2283% | 1,922 |
| Equity capital to assets | 11.6524% | 1,421 |
| Core capital (leverage) ratio | 11.5870% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5846% | 807 |
| Memoranda: | ||
| Average total assets | $393,084,800 | 2,013 |
| Average earning assets | $368,235,400 | 2,011 |
| Average equity | $46,990,800 | 1,860 |
| Average total loans | $234,922,200 | 2,020 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 1,271 |
| Cost of funding earning assets | 0.2652% | 2,952 |
| Net interest margin | 3.8492% | 1,023 |
| Noninterest income to average assets | 1.1151% | 914 |
| Noninterest expense to average assets | 2.7351% | 1,497 |
| Loan and lease loss provision to assets | 0.2390% | 395 |
| Net operating income to assets | 1.7443% | 747 |
| Return on assets (ROA) | 1.7508% | 774 |
| Pretax return on assets | 1.7508% | 1,276 |
| Return on Equity (ROE) | 14.5503% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.5346% | 1,467 |
| Net charge-offs to loans | 0.4102% | 188 |
| Credit loss provision to net charge-offs | 96.1538% | 1,630 |
| Earnings coverage of net charge-offs (x) | 7.9766% | 2,120 |
| Efficiency ratio | 57.9660% | 3,266 |
| Assets per employee ($millions) | 4.6549% | 4,002 |
| Cash dividends to net income (ytd only)* | 34.4713% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,720 |
| Loan loss allowance to noncurrent loans | 58.2529% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 307 |
| Noncurrent loans to loans | 2.5358% | 291 |
| Net loans and leases to total assets | 55.6825% | 2,764 |
| Net loans and leases to deposits | 63.5648% | 2,894 |
| Net loans and leases to core deposits | 66.5714% | 2,907 |
| Total domestic deposits to total assets | 87.5996% | 2,059 |
| Equity capital to assets | 12.0765% | 1,366 |
| Core capital (leverage) ratio | 12.0637% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7011% | 723 |
| Memoranda: | ||
| Average total assets | $390,372,500 | 2,041 |
| Average earning assets | $365,433,250 | 2,041 |
| Average equity | $46,971,500 | 1,879 |
| Average total loans | $236,610,250 | 2,048 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 1,617 |
| Cost of funding earning assets | 0.2962% | 2,809 |
| Net interest margin | 3.6841% | 1,390 |
| Noninterest income to average assets | 0.4607% | 2,799 |
| Noninterest expense to average assets | 2.7823% | 1,393 |
| Loan and lease loss provision to assets | 0.1038% | 1,216 |
| Net operating income to assets | 1.0272% | 2,800 |
| Return on assets (ROA) | 1.0355% | 2,848 |
| Pretax return on assets | 1.0355% | 3,361 |
| Return on Equity (ROE) | 8.6171% | 3,222 |
| Retained earnings to average equity (ytd only) | 2.3270% | 4,044 |
| Net charge-offs to loans | 0.1789% | 476 |
| Credit loss provision to net charge-offs | 93.4579% | 1,421 |
| Earnings coverage of net charge-offs (x) | 10.1869% | 1,809 |
| Efficiency ratio | 71.0990% | 1,515 |
| Assets per employee ($millions) | 4.5669% | 4,054 |
| Cash dividends to net income (ytd only)* | 72.9960% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,853 |
| Loan loss allowance to noncurrent loans | 46.7180% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.0268% | 209 |
| Noncurrent loans to loans | 3.0588% | 235 |
| Net loans and leases to total assets | 57.6151% | 2,714 |
| Net loans and leases to deposits | 66.2854% | 2,795 |
| Net loans and leases to core deposits | 69.4343% | 2,835 |
| Total domestic deposits to total assets | 86.9197% | 2,369 |
| Equity capital to assets | 11.4656% | 1,656 |
| Core capital (leverage) ratio | 11.2797% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1178% | 792 |
| Memoranda: | ||
| Average total assets | $385,504,000 | 2,054 |
| Average earning assets | $361,286,667 | 2,050 |
| Average equity | $46,326,333 | 1,888 |
| Average total loans | $239,186,000 | 2,037 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 1,261 |
| Cost of funding earning assets | 0.3230% | 2,771 |
| Net interest margin | 3.8424% | 1,068 |
| Noninterest income to average assets | 0.4693% | 2,758 |
| Noninterest expense to average assets | 2.7315% | 1,543 |
| Loan and lease loss provision to assets | 0.1067% | 1,288 |
| Net operating income to assets | 1.2340% | 2,029 |
| Return on assets (ROA) | 1.2511% | 2,054 |
| Pretax return on assets | 1.2511% | 2,696 |
| Return on Equity (ROE) | 10.1585% | 2,643 |
| Retained earnings to average equity (ytd only) | 2.7713% | 3,850 |
| Net charge-offs to loans | 0.3000% | 280 |
| Credit loss provision to net charge-offs | 55.5556% | 1,292 |
| Earnings coverage of net charge-offs (x) | 6.9833% | 1,631 |
| Efficiency ratio | 67.0770% | 2,062 |
| Assets per employee ($millions) | 4.6134% | 4,006 |
| Cash dividends to net income (ytd only)* | 72.7195% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,023 |
| Loan loss allowance to noncurrent loans | 65.4028% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 364 |
| Noncurrent loans to loans | 2.1185% | 484 |
| Net loans and leases to total assets | 61.1394% | 2,386 |
| Net loans and leases to deposits | 70.7079% | 2,439 |
| Net loans and leases to core deposits | 74.7044% | 2,453 |
| Total domestic deposits to total assets | 86.4675% | 2,539 |
| Equity capital to assets | 11.9130% | 1,332 |
| Core capital (leverage) ratio | 12.3924% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2024% | 765 |
| Memoranda: | ||
| Average total assets | $375,027,000 | 2,082 |
| Average earning assets | $351,655,000 | 2,070 |
| Average equity | $46,188,000 | 1,881 |
| Average total loans | $239,991,000 | 2,033 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 1,191 |
| Cost of funding earning assets | 0.5156% | 2,847 |
| Net interest margin | 4.0348% | 909 |
| Noninterest income to average assets | 0.4586% | 2,826 |
| Noninterest expense to average assets | 3.0978% | 1,237 |
| Loan and lease loss provision to assets | 0.2336% | 1,667 |
| Net operating income to assets | 0.8825% | 2,769 |
| Return on assets (ROA) | 0.8841% | 2,903 |
| Pretax return on assets | 0.8841% | 3,413 |
| Return on Equity (ROE) | 6.9190% | 3,237 |
| Retained earnings to average equity (ytd only) | 3.6578% | 3,003 |
| Net charge-offs to loans | 0.2789% | 615 |
| Credit loss provision to net charge-offs | 121.5022% | 2,622 |
| Earnings coverage of net charge-offs (x) | 5.8056% | 2,832 |
| Efficiency ratio | 73.5152% | 1,505 |
| Assets per employee ($millions) | 4.1670% | 4,238 |
| Cash dividends to net income (ytd only)* | 47.1342% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,882 |
| Loan loss allowance to noncurrent loans | 56.9972% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 360 |
| Noncurrent loans to loans | 2.4950% | 402 |
| Net loans and leases to total assets | 65.1848% | 2,204 |
| Net loans and leases to deposits | 76.1507% | 2,266 |
| Net loans and leases to core deposits | 80.8272% | 2,287 |
| Total domestic deposits to total assets | 85.5997% | 2,529 |
| Equity capital to assets | 12.7466% | 1,203 |
| Core capital (leverage) ratio | 12.6010% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4768% | 718 |
| Memoranda: | ||
| Average total assets | $353,220,800 | 2,032 |
| Average earning assets | $328,742,800 | 2,033 |
| Average equity | $45,136,600 | 1,846 |
| Average total loans | $243,446,800 | 1,950 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 1,051 |
| Cost of funding earning assets | 0.5595% | 2,870 |
| Net interest margin | 4.1482% | 811 |
| Noninterest income to average assets | 0.4552% | 2,825 |
| Noninterest expense to average assets | 3.1207% | 1,198 |
| Loan and lease loss provision to assets | 0.2374% | 1,711 |
| Net operating income to assets | 0.9507% | 2,519 |
| Return on assets (ROA) | 0.9522% | 2,647 |
| Pretax return on assets | 0.9522% | 3,223 |
| Return on Equity (ROE) | 7.4468% | 3,030 |
| Retained earnings to average equity (ytd only) | 3.0697% | 3,492 |
| Net charge-offs to loans | 0.0878% | 1,423 |
| Credit loss provision to net charge-offs | 388.1988% | 1,496 |
| Earnings coverage of net charge-offs (x) | 19.4224% | 1,934 |
| Efficiency ratio | 72.4250% | 1,592 |
| Assets per employee ($millions) | 4.1522% | 4,190 |
| Cash dividends to net income (ytd only)* | 58.7789% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,263 |
| Loan loss allowance to noncurrent loans | 56.7708% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 382 |
| Noncurrent loans to loans | 2.7157% | 367 |
| Net loans and leases to total assets | 65.1394% | 2,624 |
| Net loans and leases to deposits | 76.0124% | 2,751 |
| Net loans and leases to core deposits | 80.6601% | 2,788 |
| Total domestic deposits to total assets | 85.6958% | 2,181 |
| Equity capital to assets | 12.4665% | 1,443 |
| Core capital (leverage) ratio | 12.1737% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6953% | 819 |
| Memoranda: | ||
| Average total assets | $350,894,000 | 2,026 |
| Average earning assets | $325,981,250 | 2,025 |
| Average equity | $44,868,250 | 1,845 |
| Average total loans | $244,378,000 | 1,955 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 1,624 |
| Cost of funding earning assets | 0.6092% | 2,921 |
| Net interest margin | 4.0013% | 1,320 |
| Noninterest income to average assets | 0.4571% | 2,777 |
| Noninterest expense to average assets | 3.1873% | 1,187 |
| Loan and lease loss provision to assets | 0.0867% | 3,197 |
| Net operating income to assets | 0.8918% | 2,718 |
| Return on assets (ROA) | 0.8941% | 2,829 |
| Pretax return on assets | 0.8941% | 3,325 |
| Return on Equity (ROE) | 6.9310% | 3,157 |
| Retained earnings to average equity (ytd only) | 3.4588% | 3,197 |
| Net charge-offs to loans | 0.1403% | 1,016 |
| Credit loss provision to net charge-offs | 87.2093% | 2,475 |
| Earnings coverage of net charge-offs (x) | 9.8430% | 2,195 |
| Efficiency ratio | 76.5122% | 1,219 |
| Assets per employee ($millions) | 4.0485% | 4,258 |
| Cash dividends to net income (ytd only)* | 50.0970% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,005 |
| Loan loss allowance to noncurrent loans | 44.8209% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 339 |
| Noncurrent loans to loans | 2.8985% | 352 |
| Net loans and leases to total assets | 66.8371% | 2,516 |
| Net loans and leases to deposits | 77.8554% | 2,674 |
| Net loans and leases to core deposits | 82.9873% | 2,693 |
| Total domestic deposits to total assets | 85.8478% | 2,080 |
| Equity capital to assets | 12.3013% | 1,478 |
| Core capital (leverage) ratio | 12.4687% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9588% | 910 |
| Memoranda: | ||
| Average total assets | $346,060,333 | 2,021 |
| Average earning assets | $320,746,667 | 2,023 |
| Average equity | $44,640,333 | 1,842 |
| Average total loans | $245,256,333 | 1,933 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 1,079 |
| Cost of funding earning assets | 0.6853% | 2,994 |
| Net interest margin | 4.2591% | 823 |
| Noninterest income to average assets | 0.4897% | 2,602 |
| Noninterest expense to average assets | 3.2214% | 1,383 |
| Loan and lease loss provision to assets | 0.0896% | 2,567 |
| Net operating income to assets | 1.1204% | 1,783 |
| Return on assets (ROA) | 1.1252% | 1,866 |
| Pretax return on assets | 1.1252% | 2,442 |
| Return on Equity (ROE) | 8.5055% | 2,310 |
| Retained earnings to average equity (ytd only) | 1.5079% | 3,602 |
| Net charge-offs to loans | 0.1546% | 836 |
| Credit loss provision to net charge-offs | 79.7872% | 1,937 |
| Earnings coverage of net charge-offs (x) | 10.7766% | 1,751 |
| Efficiency ratio | 72.6954% | 1,973 |
| Assets per employee ($millions) | 3.5625% | 4,425 |
| Cash dividends to net income (ytd only)* | 82.2718% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,880 |
| Loan loss allowance to noncurrent loans | 45.5874% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 338 |
| Noncurrent loans to loans | 2.9758% | 367 |
| Net loans and leases to total assets | 70.4398% | 2,182 |
| Net loans and leases to deposits | 82.9155% | 2,343 |
| Net loans and leases to core deposits | 88.8504% | 2,462 |
| Total domestic deposits to total assets | 84.9537% | 2,432 |
| Equity capital to assets | 13.2881% | 1,309 |
| Core capital (leverage) ratio | 13.1072% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5837% | 1,055 |
| Memoranda: | ||
| Average total assets | $334,886,000 | 2,019 |
| Average earning assets | $309,925,000 | 2,026 |
| Average equity | $44,301,000 | 1,834 |
| Average total loans | $243,147,000 | 1,909 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 1,150 |
| Cost of funding earning assets | 0.7843% | 2,749 |
| Net interest margin | 4.3470% | 988 |
| Noninterest income to average assets | 0.6725% | 1,912 |
| Noninterest expense to average assets | 3.3824% | 1,147 |
| Loan and lease loss provision to assets | 0.0987% | 2,075 |
| Net operating income to assets | 1.1976% | 2,065 |
| Return on assets (ROA) | 1.2041% | 2,135 |
| Pretax return on assets | 1.2041% | 2,833 |
| Return on Equity (ROE) | 9.1548% | 2,685 |
| Retained earnings to average equity (ytd only) | 4.1517% | 2,886 |
| Net charge-offs to loans | 0.0864% | 1,886 |
| Credit loss provision to net charge-offs | 150.2347% | 1,701 |
| Earnings coverage of net charge-offs (x) | 19.7277% | 1,978 |
| Efficiency ratio | 72.2933% | 1,828 |
| Assets per employee ($millions) | 3.4525% | 4,519 |
| Cash dividends to net income (ytd only)* | 54.6503% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 1,837 |
| Loan loss allowance to noncurrent loans | 44.8954% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.2825% | 308 |
| Noncurrent loans to loans | 2.9406% | 327 |
| Net loans and leases to total assets | 72.8289% | 1,943 |
| Net loans and leases to deposits | 86.1773% | 2,069 |
| Net loans and leases to core deposits | 93.5178% | 2,113 |
| Total domestic deposits to total assets | 84.5106% | 2,678 |
| Equity capital to assets | 13.1693% | 1,429 |
| Core capital (leverage) ratio | 12.3152% | 1,584 |
| Tier 1 risk-based capital ratio | 16.7887% | 2,126 |
| Total risk-based capital ratio | 18.0387% | 2,061 |
| Memoranda: | ||
| Average total assets | $324,149,400 | 2,015 |
| Average earning assets | $298,733,400 | 2,034 |
| Average equity | $42,633,400 | 1,828 |
| Average total loans | $246,560,400 | 1,846 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,149 |
| Cost of funding earning assets | 0.7824% | 2,800 |
| Net interest margin | 4.3692% | 1,014 |
| Noninterest income to average assets | 0.6155% | 2,129 |
| Noninterest expense to average assets | 3.3670% | 1,148 |
| Loan and lease loss provision to assets | 0.0560% | 2,789 |
| Net operating income to assets | 1.2111% | 2,157 |
| Return on assets (ROA) | 1.2140% | 2,220 |
| Pretax return on assets | 1.2140% | 2,939 |
| Return on Equity (ROE) | 9.2334% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.5047% | 4,092 |
| Net charge-offs to loans | 0.0546% | 2,051 |
| Credit loss provision to net charge-offs | 133.6634% | 1,786 |
| Earnings coverage of net charge-offs (x) | 30.2483% | 1,616 |
| Efficiency ratio | 72.6573% | 1,744 |
| Assets per employee ($millions) | 3.3457% | 4,631 |
| Cash dividends to net income (ytd only)* | 72.8733% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,159 |
| Loan loss allowance to noncurrent loans | 40.5698% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.5923% | 252 |
| Noncurrent loans to loans | 3.1111% | 306 |
| Net loans and leases to total assets | 77.6963% | 1,187 |
| Net loans and leases to deposits | 93.5467% | 1,264 |
| Net loans and leases to core deposits | 101.7421% | 1,526 |
| Total domestic deposits to total assets | 83.0562% | 3,150 |
| Equity capital to assets | 13.4026% | 1,403 |
| Core capital (leverage) ratio | 13.1828% | 1,264 |
| Tier 1 risk-based capital ratio | 13.5262% | 3,560 |
| Total risk-based capital ratio | 14.5357% | 3,598 |
| Memoranda: | ||
| Average total assets | $321,463,500 | 2,034 |
| Average earning assets | $295,668,250 | 2,063 |
| Average equity | $42,266,000 | 1,853 |
| Average total loans | $246,410,000 | 1,859 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 1,170 |
| Cost of funding earning assets | 0.7769% | 2,761 |
| Net interest margin | 4.3443% | 1,055 |
| Noninterest income to average assets | 0.6587% | 1,879 |
| Noninterest expense to average assets | 3.3431% | 1,206 |
| Loan and lease loss provision to assets | 0.0311% | 3,198 |
| Net operating income to assets | 1.2738% | 1,869 |
| Return on assets (ROA) | 1.2738% | 1,931 |
| Pretax return on assets | 1.2738% | 2,659 |
| Return on Equity (ROE) | 9.7511% | 2,506 |
| Retained earnings to average equity (ytd only) | 1.0713% | 4,415 |
| Net charge-offs to loans | 0.0303% | 2,246 |
| Credit loss provision to net charge-offs | 135.1351% | 1,616 |
| Earnings coverage of net charge-offs (x) | 56.7027% | 1,015 |
| Efficiency ratio | 71.9256% | 1,935 |
| Assets per employee ($millions) | 3.5495% | 4,436 |
| Cash dividends to net income (ytd only)* | 89.0137% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,061 |
| Loan loss allowance to noncurrent loans | 38.8501% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6755% | 260 |
| Noncurrent loans to loans | 3.3207% | 277 |
| Net loans and leases to total assets | 74.2525% | 1,847 |
| Net loans and leases to deposits | 88.8215% | 1,887 |
| Net loans and leases to core deposits | 96.2351% | 2,041 |
| Total domestic deposits to total assets | 83.5974% | 3,012 |
| Equity capital to assets | 12.9878% | 1,595 |
| Core capital (leverage) ratio | 12.9078% | 1,349 |
| Tier 1 risk-based capital ratio | 13.4869% | 3,590 |
| Total risk-based capital ratio | 14.5003% | 3,618 |
| Memoranda: | ||
| Average total assets | $321,556,330 | 2,040 |
| Average earning assets | $295,283,000 | 2,066 |
| Average equity | $42,005,670 | 1,861 |
| Average total loans | $244,300,330 | 1,876 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1127% | 1,078 |
| Cost of funding earning assets | 0.7637% | 2,713 |
| Net interest margin | 4.3490% | 1,008 |
| Noninterest income to average assets | 0.5792% | 2,146 |
| Noninterest expense to average assets | 3.2433% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3339% | 1,584 |
| Return on assets (ROA) | 1.3339% | 1,620 |
| Pretax return on assets | 1.3339% | 2,315 |
| Return on Equity (ROE) | 10.1812% | 2,284 |
| Retained earnings to average equity (ytd only) | -1.3109% | 4,686 |
| Net charge-offs to loans | 0.0164% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 106.4000% | 644 |
| Efficiency ratio | 70.8573% | 2,209 |
| Assets per employee ($millions) | 3.3387% | 4,707 |
| Cash dividends to net income (ytd only)* | 112.8759% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,122 |
| Loan loss allowance to noncurrent loans | 43.7430% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.3912% | 339 |
| Noncurrent loans to loans | 2.9569% | 376 |
| Net loans and leases to total assets | 74.1321% | 1,777 |
| Net loans and leases to deposits | 88.5753% | 1,796 |
| Net loans and leases to core deposits | 94.7723% | 2,052 |
| Total domestic deposits to total assets | 83.6938% | 3,151 |
| Equity capital to assets | 12.9485% | 1,484 |
| Core capital (leverage) ratio | 13.0107% | 1,273 |
| Tier 1 risk-based capital ratio | 13.4869% | 3,609 |
| Total risk-based capital ratio | 14.4967% | 3,650 |
| Memoranda: | ||
| Average total assets | $319,058,500 | 2,065 |
| Average earning assets | $293,307,000 | 2,087 |
| Average equity | $41,802,500 | 1,865 |
| Average total loans | $243,629,500 | 1,895 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 891 |
| Cost of funding earning assets | 0.5111% | 3,282 |
| Net interest margin | 4.5687% | 657 |
| Noninterest income to average assets | 0.6044% | 2,269 |
| Noninterest expense to average assets | 3.4236% | 1,112 |
| Loan and lease loss provision to assets | 0.0803% | 2,518 |
| Net operating income to assets | 1.2910% | 1,844 |
| Return on assets (ROA) | 1.2933% | 1,817 |
| Pretax return on assets | 1.2933% | 2,528 |
| Return on Equity (ROE) | 9.8124% | 2,598 |
| Retained earnings to average equity (ytd only) | 6.2061% | 2,087 |
| Net charge-offs to loans | 0.0465% | 2,503 |
| Credit loss provision to net charge-offs | 224.7706% | 1,304 |
| Earnings coverage of net charge-offs (x) | 38.4037% | 1,355 |
| Efficiency ratio | 71.4012% | 1,983 |
| Assets per employee ($millions) | 3.2736% | 4,767 |
| Cash dividends to net income (ytd only)* | 36.7528% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,075 |
| Loan loss allowance to noncurrent loans | 49.1359% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.2195% | 386 |
| Noncurrent loans to loans | 2.6320% | 443 |
| Net loans and leases to total assets | 76.6483% | 1,499 |
| Net loans and leases to deposits | 92.0249% | 1,554 |
| Net loans and leases to core deposits | 97.0511% | 1,965 |
| Total domestic deposits to total assets | 83.2908% | 3,227 |
| Equity capital to assets | 13.2599% | 1,230 |
| Core capital (leverage) ratio | 13.4565% | 1,090 |
| Tier 1 risk-based capital ratio | 13.6757% | 3,452 |
| Total risk-based capital ratio | 14.6996% | 3,478 |
| Memoranda: | ||
| Average total assets | $305,266,600 | 2,122 |
| Average earning assets | $279,992,400 | 2,134 |
| Average equity | $40,234,600 | 1,848 |
| Average total loans | $234,456,800 | 1,916 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0545% | 830 |
| Cost of funding earning assets | 0.4589% | 3,464 |
| Net interest margin | 4.5956% | 604 |
| Noninterest income to average assets | 0.5975% | 2,323 |
| Noninterest expense to average assets | 3.4237% | 1,085 |
| Loan and lease loss provision to assets | 0.0990% | 2,016 |
| Net operating income to assets | 1.2958% | 1,876 |
| Return on assets (ROA) | 1.2989% | 1,867 |
| Pretax return on assets | 1.2989% | 2,636 |
| Return on Equity (ROE) | 9.8705% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.0188% | 3,224 |
| Net charge-offs to loans | 0.0517% | 2,093 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 35.2213% | 1,459 |
| Efficiency ratio | 71.0529% | 2,032 |
| Assets per employee ($millions) | 3.2976% | 4,774 |
| Cash dividends to net income (ytd only)* | 49.1532% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,155 |
| Loan loss allowance to noncurrent loans | 52.3217% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.1299% | 485 |
| Noncurrent loans to loans | 2.4605% | 537 |
| Net loans and leases to total assets | 78.0459% | 1,339 |
| Net loans and leases to deposits | 95.6815% | 1,192 |
| Net loans and leases to core deposits | 102.6868% | 1,546 |
| Total domestic deposits to total assets | 81.5685% | 3,715 |
| Equity capital to assets | 13.0217% | 1,328 |
| Core capital (leverage) ratio | 13.4103% | 1,134 |
| Tier 1 risk-based capital ratio | 12.9705% | 3,929 |
| Total risk-based capital ratio | 13.9622% | 3,975 |
| Memoranda: | ||
| Average total assets | $303,017,250 | 2,142 |
| Average earning assets | $278,318,500 | 2,156 |
| Average equity | $39,875,500 | 1,863 |
| Average total loans | $232,062,500 | 1,936 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 734 |
| Cost of funding earning assets | 0.4273% | 3,520 |
| Net interest margin | 4.6187% | 530 |
| Noninterest income to average assets | 0.6159% | 2,242 |
| Noninterest expense to average assets | 3.4560% | 1,059 |
| Loan and lease loss provision to assets | 0.1430% | 1,353 |
| Net operating income to assets | 1.2591% | 1,941 |
| Return on assets (ROA) | 1.2637% | 1,923 |
| Pretax return on assets | 1.2637% | 2,655 |
| Return on Equity (ROE) | 9.5687% | 2,765 |
| Retained earnings to average equity (ytd only) | 3.6412% | 3,774 |
| Net charge-offs to loans | 0.0659% | 1,681 |
| Credit loss provision to net charge-offs | 286.6667% | 1,038 |
| Earnings coverage of net charge-offs (x) | 28.1067% | 1,564 |
| Efficiency ratio | 71.1391% | 2,137 |
| Assets per employee ($millions) | 3.2306% | 4,900 |
| Cash dividends to net income (ytd only)* | 61.9474% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,969 |
| Loan loss allowance to noncurrent loans | 52.2235% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2524% | 418 |
| Noncurrent loans to loans | 2.5751% | 496 |
| Net loans and leases to total assets | 76.3108% | 1,586 |
| Net loans and leases to deposits | 89.9284% | 1,849 |
| Net loans and leases to core deposits | 98.1350% | 1,880 |
| Total domestic deposits to total assets | 84.8574% | 2,725 |
| Equity capital to assets | 13.1412% | 1,243 |
| Core capital (leverage) ratio | 13.3399% | 1,121 |
| Tier 1 risk-based capital ratio | 13.2978% | 3,735 |
| Total risk-based capital ratio | 14.3327% | 3,773 |
| Memoranda: | ||
| Average total assets | $300,698,330 | 2,167 |
| Average earning assets | $276,182,000 | 2,184 |
| Average equity | $39,712,670 | 1,872 |
| Average total loans | $227,724,330 | 1,968 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 983 |
| Cost of funding earning assets | 0.4233% | 3,416 |
| Net interest margin | 4.4235% | 730 |
| Noninterest income to average assets | 0.6096% | 2,213 |
| Noninterest expense to average assets | 3.5266% | 955 |
| Loan and lease loss provision to assets | 0.1136% | 1,663 |
| Net operating income to assets | 1.0347% | 2,716 |
| Return on assets (ROA) | 1.0441% | 2,689 |
| Pretax return on assets | 1.0441% | 3,379 |
| Return on Equity (ROE) | 7.8858% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.7573% | 4,676 |
| Net charge-offs to loans | 0.1267% | 1,036 |
| Credit loss provision to net charge-offs | 119.7183% | 1,378 |
| Earnings coverage of net charge-offs (x) | 12.0986% | 1,816 |
| Efficiency ratio | 75.4361% | 1,682 |
| Assets per employee ($millions) | 3.2252% | 4,971 |
| Cash dividends to net income (ytd only)* | 90.3969% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,981 |
| Loan loss allowance to noncurrent loans | 56.4279% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.0754% | 533 |
| Noncurrent loans to loans | 2.4139% | 574 |
| Net loans and leases to total assets | 72.4468% | 2,096 |
| Net loans and leases to deposits | 83.5326% | 2,447 |
| Net loans and leases to core deposits | 90.0178% | 2,449 |
| Total domestic deposits to total assets | 86.7287% | 2,228 |
| Equity capital to assets | 12.9956% | 1,248 |
| Core capital (leverage) ratio | 13.1569% | 1,121 |
| Tier 1 risk-based capital ratio | 13.9496% | 3,405 |
| Total risk-based capital ratio | 15.0088% | 3,415 |
| Memoranda: | ||
| Average total assets | $299,208,000 | 2,199 |
| Average earning assets | $274,985,000 | 2,210 |
| Average equity | $39,615,500 | 1,886 |
| Average total loans | $224,137,000 | 2,006 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,030 |
| Cost of funding earning assets | 0.3029% | 4,117 |
| Net interest margin | 4.4684% | 668 |
| Noninterest income to average assets | 0.6599% | 2,138 |
| Noninterest expense to average assets | 3.5171% | 1,004 |
| Loan and lease loss provision to assets | 0.1061% | 2,111 |
| Net operating income to assets | 1.1321% | 1,745 |
| Return on assets (ROA) | 1.1415% | 1,744 |
| Pretax return on assets | 1.1415% | 3,016 |
| Return on Equity (ROE) | 8.5052% | 2,537 |
| Retained earnings to average equity (ytd only) | 4.0362% | 2,761 |
| Net charge-offs to loans | 0.0627% | 2,580 |
| Credit loss provision to net charge-offs | 232.5758% | 1,194 |
| Earnings coverage of net charge-offs (x) | 27.1364% | 1,646 |
| Efficiency ratio | 73.9605% | 1,896 |
| Assets per employee ($millions) | 3.1747% | 5,057 |
| Cash dividends to net income (ytd only)* | 52.5439% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,030 |
| Loan loss allowance to noncurrent loans | 45.5574% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.5433% | 363 |
| Noncurrent loans to loans | 2.9384% | 386 |
| Net loans and leases to total assets | 75.3894% | 1,697 |
| Net loans and leases to deposits | 89.4964% | 1,838 |
| Net loans and leases to core deposits | 94.6742% | 2,138 |
| Total domestic deposits to total assets | 84.2374% | 3,114 |
| Equity capital to assets | 13.4913% | 1,068 |
| Core capital (leverage) ratio | 13.5861% | 938 |
| Tier 1 risk-based capital ratio | 13.7038% | 3,521 |
| Total risk-based capital ratio | 14.7417% | 3,545 |
| Memoranda: | ||
| Average total assets | $289,274,000 | 2,225 |
| Average earning assets | $265,131,400 | 2,248 |
| Average equity | $38,823,400 | 1,905 |
| Average total loans | $210,557,200 | 2,070 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,125 |
| Cost of funding earning assets | 0.2939% | 4,187 |
| Net interest margin | 4.4096% | 717 |
| Noninterest income to average assets | 0.6885% | 2,046 |
| Noninterest expense to average assets | 3.4766% | 1,032 |
| Loan and lease loss provision to assets | 0.0287% | 3,552 |
| Net operating income to assets | 1.2217% | 1,602 |
| Return on assets (ROA) | 1.2342% | 1,592 |
| Pretax return on assets | 1.2342% | 2,770 |
| Return on Equity (ROE) | 9.2087% | 2,493 |
| Retained earnings to average equity (ytd only) | 3.2148% | 4,010 |
| Net charge-offs to loans | 0.0116% | 3,317 |
| Credit loss provision to net charge-offs | 344.4444% | 877 |
| Earnings coverage of net charge-offs (x) | 149.9408% | 534 |
| Efficiency ratio | 73.5470% | 1,965 |
| Assets per employee ($millions) | 3.1291% | 5,151 |
| Cash dividends to net income (ytd only)* | 65.0901% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,251 |
| Loan loss allowance to noncurrent loans | 39.6677% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.7550% | 346 |
| Noncurrent loans to loans | 3.3325% | 347 |
| Net loans and leases to total assets | 74.1078% | 1,894 |
| Net loans and leases to deposits | 87.1869% | 2,159 |
| Net loans and leases to core deposits | 92.3845% | 2,403 |
| Total domestic deposits to total assets | 84.9988% | 2,715 |
| Equity capital to assets | 13.5332% | 1,143 |
| Core capital (leverage) ratio | 13.5682% | 1,001 |
| Tier 1 risk-based capital ratio | 13.8145% | 3,526 |
| Total risk-based capital ratio | 14.8318% | 3,574 |
| Memoranda: | ||
| Average total assets | $287,781,750 | 2,251 |
| Average earning assets | $263,568,000 | 2,277 |
| Average equity | $38,571,250 | 1,932 |
| Average total loans | $206,796,000 | 2,115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6197% | 1,216 |
| Cost of funding earning assets | 0.2841% | 4,245 |
| Net interest margin | 4.3356% | 790 |
| Noninterest income to average assets | 0.7025% | 1,980 |
| Noninterest expense to average assets | 3.4286% | 1,114 |
| Loan and lease loss provision to assets | 0.0363% | 3,278 |
| Net operating income to assets | 1.2082% | 1,567 |
| Return on assets (ROA) | 1.2235% | 1,563 |
| Pretax return on assets | 1.2235% | 2,685 |
| Return on Equity (ROE) | 9.1590% | 2,433 |
| Retained earnings to average equity (ytd only) | 1.6605% | 4,596 |
| Net charge-offs to loans | -0.0168% | 4,709 |
| Credit loss provision to net charge-offs | -305.8824% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3692% | 2,115 |
| Assets per employee ($millions) | 3.0430% | 5,226 |
| Cash dividends to net income (ytd only)* | 81.8700% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,889 |
| Loan loss allowance to noncurrent loans | 34.1858% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.2366% | 269 |
| Noncurrent loans to loans | 4.1365% | 222 |
| Net loans and leases to total assets | 71.0222% | 2,370 |
| Net loans and leases to deposits | 82.5056% | 2,653 |
| Net loans and leases to core deposits | 86.5899% | 2,825 |
| Total domestic deposits to total assets | 86.0817% | 2,345 |
| Equity capital to assets | 13.5373% | 1,131 |
| Core capital (leverage) ratio | 13.4932% | 1,001 |
| Tier 1 risk-based capital ratio | 14.2506% | 3,288 |
| Total risk-based capital ratio | 15.3257% | 3,310 |
| Memoranda: | ||
| Average total assets | $286,708,000 | 2,264 |
| Average earning assets | $262,572,670 | 2,286 |
| Average equity | $38,301,000 | 1,941 |
| Average total loans | $202,879,670 | 2,143 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,202 |
| Cost of funding earning assets | 0.2769% | 4,283 |
| Net interest margin | 4.2974% | 790 |
| Noninterest income to average assets | 0.6647% | 2,122 |
| Noninterest expense to average assets | 3.4671% | 1,089 |
| Loan and lease loss provision to assets | 0.0348% | 3,089 |
| Net operating income to assets | 1.0995% | 1,873 |
| Return on assets (ROA) | 1.0995% | 1,914 |
| Pretax return on assets | 1.0995% | 2,990 |
| Return on Equity (ROE) | 8.2855% | 2,773 |
| Retained earnings to average equity (ytd only) | -2.5098% | 5,221 |
| Net charge-offs to loans | 0.0040% | 2,836 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 141 |
| Efficiency ratio | 75.3483% | 2,012 |
| Assets per employee ($millions) | 2.9989% | 5,353 |
| Cash dividends to net income (ytd only)* | 130.2915% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,937 |
| Loan loss allowance to noncurrent loans | 34.6712% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.2001% | 296 |
| Noncurrent loans to loans | 4.1300% | 245 |
| Net loans and leases to total assets | 68.5738% | 2,594 |
| Net loans and leases to deposits | 79.3108% | 2,830 |
| Net loans and leases to core deposits | 83.1993% | 2,976 |
| Total domestic deposits to total assets | 86.4622% | 2,461 |
| Equity capital to assets | 13.2096% | 1,181 |
| Core capital (leverage) ratio | 13.0885% | 1,107 |
| Tier 1 risk-based capital ratio | 14.2886% | 3,323 |
| Total risk-based capital ratio | 15.3652% | 3,330 |
| Memoranda: | ||
| Average total assets | $287,042,000 | 2,278 |
| Average earning assets | $262,947,500 | 2,297 |
| Average equity | $38,090,500 | 1,955 |
| Average total loans | $201,286,500 | 2,168 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,105 |
| Cost of funding earning assets | 0.2764% | 4,295 |
| Net interest margin | 4.3984% | 778 |
| Noninterest income to average assets | 0.6596% | 2,372 |
| Noninterest expense to average assets | 3.4370% | 1,284 |
| Loan and lease loss provision to assets | 0.2045% | 1,115 |
| Net operating income to assets | 1.0440% | 2,166 |
| Return on assets (ROA) | 1.0471% | 2,256 |
| Pretax return on assets | 1.0471% | 3,307 |
| Return on Equity (ROE) | 8.0255% | 2,917 |
| Retained earnings to average equity (ytd only) | 4.3355% | 2,816 |
| Net charge-offs to loans | 0.1836% | 1,509 |
| Credit loss provision to net charge-offs | 156.9149% | 1,754 |
| Earnings coverage of net charge-offs (x) | 9.5798% | 2,742 |
| Efficiency ratio | 73.3540% | 2,368 |
| Assets per employee ($millions) | 2.9811% | 5,366 |
| Cash dividends to net income (ytd only)* | 45.9782% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,050 |
| Loan loss allowance to noncurrent loans | 35.3548% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 3.0683% | 319 |
| Noncurrent loans to loans | 3.9781% | 265 |
| Net loans and leases to total assets | 69.6880% | 2,530 |
| Net loans and leases to deposits | 80.7085% | 2,814 |
| Net loans and leases to core deposits | 84.5241% | 2,976 |
| Total domestic deposits to total assets | 86.3453% | 2,438 |
| Equity capital to assets | 13.3308% | 1,120 |
| Core capital (leverage) ratio | 13.4449% | 990 |
| Tier 1 risk-based capital ratio | 14.3619% | 3,250 |
| Total risk-based capital ratio | 15.4286% | 3,288 |
| Memoranda: | ||
| Average total assets | $288,509,200 | 2,231 |
| Average earning assets | $264,070,600 | 2,252 |
| Average equity | $37,642,600 | 1,943 |
| Average total loans | $204,786,800 | 2,082 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 1,075 |
| Cost of funding earning assets | 0.2796% | 4,297 |
| Net interest margin | 4.4154% | 754 |
| Noninterest income to average assets | 0.6821% | 2,254 |
| Noninterest expense to average assets | 3.4540% | 1,239 |
| Loan and lease loss provision to assets | 0.2675% | 673 |
| Net operating income to assets | 1.0027% | 2,420 |
| Return on assets (ROA) | 1.0027% | 2,558 |
| Pretax return on assets | 1.0027% | 3,618 |
| Return on Equity (ROE) | 7.7264% | 3,163 |
| Retained earnings to average equity (ytd only) | 2.7899% | 4,221 |
| Net charge-offs to loans | 0.2155% | 1,077 |
| Credit loss provision to net charge-offs | 174.6988% | 1,595 |
| Earnings coverage of net charge-offs (x) | 8.2951% | 2,782 |
| Efficiency ratio | 73.1133% | 2,419 |
| Assets per employee ($millions) | 2.8754% | 5,489 |
| Cash dividends to net income (ytd only)* | 63.8914% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,190 |
| Loan loss allowance to noncurrent loans | 35.5696% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 3.1343% | 353 |
| Noncurrent loans to loans | 3.9418% | 282 |
| Net loans and leases to total assets | 71.8482% | 2,218 |
| Net loans and leases to deposits | 84.6280% | 2,413 |
| Net loans and leases to core deposits | 88.8064% | 2,682 |
| Total domestic deposits to total assets | 84.8989% | 2,851 |
| Equity capital to assets | 13.5716% | 1,211 |
| Core capital (leverage) ratio | 13.2714% | 1,082 |
| Tier 1 risk-based capital ratio | 13.7697% | 3,687 |
| Total risk-based capital ratio | 14.8280% | 3,728 |
| Memoranda: | ||
| Average total assets | $289,089,750 | 2,232 |
| Average earning assets | $264,640,250 | 2,263 |
| Average equity | $37,515,500 | 1,965 |
| Average total loans | $205,412,750 | 2,085 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 1,143 |
| Cost of funding earning assets | 0.2830% | 4,314 |
| Net interest margin | 4.3770% | 798 |
| Noninterest income to average assets | 0.6730% | 2,257 |
| Noninterest expense to average assets | 3.4577% | 1,250 |
| Loan and lease loss provision to assets | 0.3327% | 496 |
| Net operating income to assets | 0.8823% | 2,954 |
| Return on assets (ROA) | 0.8823% | 3,076 |
| Pretax return on assets | 0.8823% | 4,020 |
| Return on Equity (ROE) | 6.9004% | 3,605 |
| Retained earnings to average equity (ytd only) | 0.4132% | 5,177 |
| Net charge-offs to loans | 0.3213% | 736 |
| Credit loss provision to net charge-offs | 146.9697% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.3667% | 2,868 |
| Efficiency ratio | 73.9979% | 2,360 |
| Assets per employee ($millions) | 2.8593% | 5,569 |
| Cash dividends to net income (ytd only)* | 94.0124% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,426 |
| Loan loss allowance to noncurrent loans | 29.3882% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.7300% | 268 |
| Noncurrent loans to loans | 4.6655% | 205 |
| Net loans and leases to total assets | 70.0905% | 2,465 |
| Net loans and leases to deposits | 81.1154% | 2,801 |
| Net loans and leases to core deposits | 84.9863% | 2,990 |
| Total domestic deposits to total assets | 86.4084% | 2,212 |
| Equity capital to assets | 13.1856% | 1,399 |
| Core capital (leverage) ratio | 12.6312% | 1,291 |
| Tier 1 risk-based capital ratio | 13.3398% | 3,995 |
| Total risk-based capital ratio | 14.3515% | 4,061 |
| Memoranda: | ||
| Average total assets | $291,524,000 | 2,234 |
| Average earning assets | $266,390,670 | 2,256 |
| Average equity | $37,273,000 | 1,978 |
| Average total loans | $205,437,670 | 2,093 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 1,201 |
| Cost of funding earning assets | 0.2911% | 4,268 |
| Net interest margin | 4.3334% | 861 |
| Noninterest income to average assets | 0.6523% | 2,254 |
| Noninterest expense to average assets | 3.3813% | 1,421 |
| Loan and lease loss provision to assets | 0.2174% | 886 |
| Net operating income to assets | 1.0193% | 2,194 |
| Return on assets (ROA) | 1.0193% | 2,314 |
| Pretax return on assets | 1.0193% | 3,404 |
| Return on Equity (ROE) | 8.0952% | 2,857 |
| Retained earnings to average equity (ytd only) | -1.0578% | 5,285 |
| Net charge-offs to loans | 0.6061% | 366 |
| Credit loss provision to net charge-offs | 51.1182% | 2,043 |
| Earnings coverage of net charge-offs (x) | 2.9073% | 2,616 |
| Efficiency ratio | 73.2195% | 2,603 |
| Assets per employee ($millions) | 2.8972% | 5,600 |
| Cash dividends to net income (ytd only)* | 113.0667% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,426 |
| Loan loss allowance to noncurrent loans | 43.1482% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.2676% | 705 |
| Noncurrent loans to loans | 2.8031% | 620 |
| Net loans and leases to total assets | 68.4929% | 2,584 |
| Net loans and leases to deposits | 80.1905% | 2,765 |
| Net loans and leases to core deposits | 84.2630% | 2,912 |
| Total domestic deposits to total assets | 85.4127% | 2,948 |
| Equity capital to assets | 12.5762% | 1,635 |
| Core capital (leverage) ratio | 12.1432% | 1,528 |
| Tier 1 risk-based capital ratio | 13.1800% | 4,151 |
| Total risk-based capital ratio | 14.0730% | 4,291 |
| Memoranda: | ||
| Average total assets | $294,323,000 | 2,220 |
| Average earning assets | $269,349,000 | 2,247 |
| Average equity | $37,059,000 | 1,981 |
| Average total loans | $206,560,000 | 2,085 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,098 |
| Cost of funding earning assets | 0.2691% | 4,598 |
| Net interest margin | 4.4352% | 741 |
| Noninterest income to average assets | 0.5818% | 2,823 |
| Noninterest expense to average assets | 3.3898% | 1,506 |
| Loan and lease loss provision to assets | 0.0203% | 3,991 |
| Net operating income to assets | 1.2715% | 1,337 |
| Return on assets (ROA) | 1.2719% | 1,388 |
| Pretax return on assets | 1.2719% | 2,390 |
| Return on Equity (ROE) | 10.4626% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.4100% | 2,840 |
| Net charge-offs to loans | 0.0331% | 3,547 |
| Credit loss provision to net charge-offs | 86.9565% | 2,817 |
| Earnings coverage of net charge-offs (x) | 55.3188% | 932 |
| Efficiency ratio | 72.4066% | 2,841 |
| Assets per employee ($millions) | 2.8460% | 5,664 |
| Cash dividends to net income (ytd only)* | 57.8499% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,091 |
| Loan loss allowance to noncurrent loans | 67.7394% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 1,409 |
| Noncurrent loans to loans | 1.8652% | 1,153 |
| Net loans and leases to total assets | 70.1407% | 2,345 |
| Net loans and leases to deposits | 82.2020% | 2,564 |
| Net loans and leases to core deposits | 86.4164% | 2,767 |
| Total domestic deposits to total assets | 85.3272% | 2,935 |
| Equity capital to assets | 12.6065% | 1,562 |
| Core capital (leverage) ratio | 12.3780% | 1,409 |
| Tier 1 risk-based capital ratio | 13.3876% | 4,061 |
| Total risk-based capital ratio | 14.3481% | 4,163 |
| Memoranda: | ||
| Average total assets | $295,470,800 | 2,174 |
| Average earning assets | $273,131,600 | 2,182 |
| Average equity | $35,918,400 | 1,989 |
| Average total loans | $208,258,400 | 2,006 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,016 |
| Cost of funding earning assets | 0.2685% | 4,681 |
| Net interest margin | 4.4815% | 679 |
| Noninterest income to average assets | 0.5440% | 3,080 |
| Noninterest expense to average assets | 3.2966% | 1,698 |
| Loan and lease loss provision to assets | 0.0135% | 3,999 |
| Net operating income to assets | 1.3830% | 1,150 |
| Return on assets (ROA) | 1.3830% | 1,201 |
| Pretax return on assets | 1.3830% | 2,084 |
| Return on Equity (ROE) | 11.4824% | 1,532 |
| Retained earnings to average equity (ytd only) | 3.3539% | 4,084 |
| Net charge-offs to loans | 0.0391% | 3,109 |
| Credit loss provision to net charge-offs | 49.1803% | 3,047 |
| Earnings coverage of net charge-offs (x) | 50.8368% | 1,034 |
| Efficiency ratio | 70.2428% | 3,171 |
| Assets per employee ($millions) | 2.8823% | 5,677 |
| Cash dividends to net income (ytd only)* | 70.7912% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,526 |
| Loan loss allowance to noncurrent loans | 108.2124% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 2,597 |
| Noncurrent loans to loans | 1.1304% | 2,247 |
| Net loans and leases to total assets | 70.9633% | 2,240 |
| Net loans and leases to deposits | 83.9058% | 2,420 |
| Net loans and leases to core deposits | 88.1408% | 2,651 |
| Total domestic deposits to total assets | 84.5749% | 3,186 |
| Equity capital to assets | 12.2306% | 1,925 |
| Core capital (leverage) ratio | 12.1303% | 1,602 |
| Tier 1 risk-based capital ratio | 12.7568% | 4,573 |
| Total risk-based capital ratio | 13.6817% | 4,716 |
| Memoranda: | ||
| Average total assets | $296,054,750 | 2,186 |
| Average earning assets | $274,095,500 | 2,192 |
| Average equity | $35,659,500 | 2,008 |
| Average total loans | $208,263,500 | 2,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 1,041 |
| Cost of funding earning assets | 0.2673% | 4,747 |
| Net interest margin | 4.4483% | 696 |
| Noninterest income to average assets | 0.4923% | 3,432 |
| Noninterest expense to average assets | 3.2572% | 1,827 |
| Loan and lease loss provision to assets | 0.0135% | 3,850 |
| Net operating income to assets | 1.3625% | 1,157 |
| Return on assets (ROA) | 1.3625% | 1,202 |
| Pretax return on assets | 1.3625% | 2,138 |
| Return on Equity (ROE) | 11.3705% | 1,566 |
| Retained earnings to average equity (ytd only) | 1.1004% | 5,129 |
| Net charge-offs to loans | 0.0445% | 2,806 |
| Credit loss provision to net charge-offs | 43.4783% | 2,773 |
| Earnings coverage of net charge-offs (x) | 44.2391% | 1,051 |
| Efficiency ratio | 70.3006% | 3,286 |
| Assets per employee ($millions) | 2.8797% | 5,732 |
| Cash dividends to net income (ytd only)* | 90.3226% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,333 |
| Loan loss allowance to noncurrent loans | 117.0098% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 2,841 |
| Noncurrent loans to loans | 1.0967% | 2,460 |
| Net loans and leases to total assets | 68.4604% | 2,575 |
| Net loans and leases to deposits | 78.2891% | 2,993 |
| Net loans and leases to core deposits | 82.0088% | 3,173 |
| Total domestic deposits to total assets | 87.4456% | 1,930 |
| Equity capital to assets | 12.0417% | 1,993 |
| Core capital (leverage) ratio | 11.7746% | 1,791 |
| Tier 1 risk-based capital ratio | 13.0588% | 4,485 |
| Total risk-based capital ratio | 14.0263% | 4,554 |
| Memoranda: | ||
| Average total assets | $295,780,000 | 2,201 |
| Average earning assets | $275,338,330 | 2,194 |
| Average equity | $35,442,670 | 2,027 |
| Average total loans | $206,590,000 | 2,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 1,015 |
| Cost of funding earning assets | 0.2681% | 4,817 |
| Net interest margin | 4.4422% | 671 |
| Noninterest income to average assets | 0.4879% | 3,367 |
| Noninterest expense to average assets | 3.2466% | 1,853 |
| Loan and lease loss provision to assets | 0.0135% | 3,549 |
| Net operating income to assets | 1.3585% | 1,119 |
| Return on assets (ROA) | 1.3585% | 1,183 |
| Pretax return on assets | 1.3585% | 2,039 |
| Return on Equity (ROE) | 11.3645% | 1,531 |
| Retained earnings to average equity (ytd only) | -1.4657% | 5,612 |
| Net charge-offs to loans | 0.0077% | 3,071 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 254.5000% | 222 |
| Efficiency ratio | 70.2947% | 3,430 |
| Assets per employee ($millions) | 2.9420% | 5,746 |
| Cash dividends to net income (ytd only)* | 112.8968% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 3,501 |
| Loan loss allowance to noncurrent loans | 145.2002% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 2,709 |
| Noncurrent loans to loans | 0.8833% | 3,037 |
| Net loans and leases to total assets | 67.2328% | 2,568 |
| Net loans and leases to deposits | 76.5443% | 2,986 |
| Net loans and leases to core deposits | 80.3004% | 3,124 |
| Total domestic deposits to total assets | 87.8352% | 1,908 |
| Equity capital to assets | 11.7081% | 2,284 |
| Core capital (leverage) ratio | 11.5429% | 1,965 |
| Tier 1 risk-based capital ratio | 13.0268% | 4,589 |
| Total risk-based capital ratio | 14.0132% | 4,663 |
| Memoranda: | ||
| Average total assets | $296,805,500 | 2,215 |
| Average earning assets | $275,988,500 | 2,203 |
| Average equity | $35,479,000 | 2,037 |
| Average total loans | $208,034,000 | 2,026 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2492% | 477 |
| Cost of funding earning assets | 0.3110% | 4,670 |
| Net interest margin | 4.9382% | 336 |
| Noninterest income to average assets | 0.7271% | 2,175 |
| Noninterest expense to average assets | 3.4974% | 1,488 |
| Loan and lease loss provision to assets | 0.0138% | 4,340 |
| Net operating income to assets | 1.7648% | 508 |
| Return on assets (ROA) | 1.7710% | 516 |
| Pretax return on assets | 1.7710% | 845 |
| Return on Equity (ROE) | 15.3748% | 714 |
| Retained earnings to average equity (ytd only) | 8.3488% | 891 |
| Net charge-offs to loans | 0.0684% | 3,500 |
| Credit loss provision to net charge-offs | 28.7770% | 3,851 |
| Earnings coverage of net charge-offs (x) | 37.2014% | 1,151 |
| Efficiency ratio | 66.2885% | 4,201 |
| Assets per employee ($millions) | 2.9058% | 5,822 |
| Cash dividends to net income (ytd only)* | 45.6982% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 3,671 |
| Loan loss allowance to noncurrent loans | 149.7166% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 2,776 |
| Noncurrent loans to loans | 0.8413% | 3,213 |
| Net loans and leases to total assets | 71.2518% | 2,041 |
| Net loans and leases to deposits | 81.6053% | 2,526 |
| Net loans and leases to core deposits | 86.2271% | 2,661 |
| Total domestic deposits to total assets | 87.3127% | 2,121 |
| Equity capital to assets | 12.2096% | 1,852 |
| Core capital (leverage) ratio | 12.0045% | 1,609 |
| Tier 1 risk-based capital ratio | 15.9377% | 2,994 |
| Total risk-based capital ratio | 17.1373% | 2,968 |
| Memoranda: | ||
| Average total assets | $290,734,400 | 2,208 |
| Average earning assets | $267,809,800 | 2,213 |
| Average equity | $33,489,800 | 2,079 |
| Average total loans | $203,261,600 | 2,013 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 459 |
| Cost of funding earning assets | 0.3165% | 4,714 |
| Net interest margin | 4.9543% | 326 |
| Noninterest income to average assets | 0.8524% | 1,689 |
| Noninterest expense to average assets | 3.5000% | 1,459 |
| Loan and lease loss provision to assets | 0.0138% | 4,139 |
| Net operating income to assets | 1.8970% | 422 |
| Return on assets (ROA) | 1.9052% | 429 |
| Pretax return on assets | 1.9052% | 713 |
| Return on Equity (ROE) | 16.7913% | 579 |
| Retained earnings to average equity (ytd only) | 7.2823% | 1,684 |
| Net charge-offs to loans | -0.0284% | 5,719 |
| Credit loss provision to net charge-offs | -69.7674% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6864% | 4,436 |
| Assets per employee ($millions) | 2.9800% | 5,747 |
| Cash dividends to net income (ytd only)* | 56.6305% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 3,431 |
| Loan loss allowance to noncurrent loans | 105.1570% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 2,096 |
| Noncurrent loans to loans | 1.2774% | 2,505 |
| Net loans and leases to total assets | 70.7710% | 2,062 |
| Net loans and leases to deposits | 80.7979% | 2,574 |
| Net loans and leases to core deposits | 85.3433% | 2,741 |
| Total domestic deposits to total assets | 87.5901% | 1,985 |
| Equity capital to assets | 11.7538% | 2,259 |
| Core capital (leverage) ratio | 11.6555% | 1,936 |
| Tier 1 risk-based capital ratio | 15.3791% | 3,384 |
| Total risk-based capital ratio | 16.6295% | 3,320 |
| Memoranda: | ||
| Average total assets | $290,772,500 | 2,222 |
| Average earning assets | $267,533,500 | 2,226 |
| Average equity | $32,992,500 | 2,113 |
| Average total loans | $201,655,500 | 2,042 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 405 |
| Cost of funding earning assets | 0.3227% | 4,729 |
| Net interest margin | 5.0245% | 270 |
| Noninterest income to average assets | 0.7543% | 2,027 |
| Noninterest expense to average assets | 3.5337% | 1,417 |
| Loan and lease loss provision to assets | 0.0069% | 4,100 |
| Net operating income to assets | 1.8364% | 456 |
| Return on assets (ROA) | 1.8364% | 470 |
| Pretax return on assets | 1.8364% | 785 |
| Return on Equity (ROE) | 16.3820% | 615 |
| Retained earnings to average equity (ytd only) | 5.7822% | 2,464 |
| Net charge-offs to loans | -0.0844% | 6,091 |
| Credit loss provision to net charge-offs | -11.9048% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7187% | 4,402 |
| Assets per employee ($millions) | 3.0825% | 5,620 |
| Cash dividends to net income (ytd only)* | 64.7037% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 3,370 |
| Loan loss allowance to noncurrent loans | 113.4454% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 1,828 |
| Noncurrent loans to loans | 1.2308% | 2,772 |
| Net loans and leases to total assets | 67.6571% | 2,470 |
| Net loans and leases to deposits | 76.7090% | 2,962 |
| Net loans and leases to core deposits | 81.1693% | 3,082 |
| Total domestic deposits to total assets | 88.1997% | 1,792 |
| Equity capital to assets | 11.3045% | 2,607 |
| Core capital (leverage) ratio | 11.2920% | 2,162 |
| Tier 1 risk-based capital ratio | 15.2033% | 3,525 |
| Total risk-based capital ratio | 16.4541% | 3,470 |
| Memoranda: | ||
| Average total assets | $290,349,330 | 2,225 |
| Average earning assets | $267,131,670 | 2,229 |
| Average equity | $32,548,000 | 2,127 |
| Average total loans | $199,042,330 | 2,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 823 |
| Cost of funding earning assets | 0.3286% | 4,752 |
| Net interest margin | 4.6003% | 549 |
| Noninterest income to average assets | 0.6718% | 2,339 |
| Noninterest expense to average assets | 3.3996% | 1,703 |
| Loan and lease loss provision to assets | 0.0139% | 3,647 |
| Net operating income to assets | 1.5037% | 812 |
| Return on assets (ROA) | 1.5037% | 843 |
| Pretax return on assets | 1.5037% | 1,418 |
| Return on Equity (ROE) | 13.4721% | 1,044 |
| Retained earnings to average equity (ytd only) | 1.8320% | 4,866 |
| Net charge-offs to loans | 0.0020% | 3,633 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 1,091.0000% | 21 |
| Efficiency ratio | 69.1372% | 3,976 |
| Assets per employee ($millions) | 3.0125% | 5,844 |
| Cash dividends to net income (ytd only)* | 86.4015% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 3,779 |
| Loan loss allowance to noncurrent loans | 68.1030% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.3988% | 1,352 |
| Noncurrent loans to loans | 2.0004% | 1,865 |
| Net loans and leases to total assets | 67.4418% | 2,310 |
| Net loans and leases to deposits | 76.0981% | 2,801 |
| Net loans and leases to core deposits | 80.3927% | 2,924 |
| Total domestic deposits to total assets | 88.6247% | 1,879 |
| Equity capital to assets | 10.9515% | 2,762 |
| Core capital (leverage) ratio | 11.0266% | 2,358 |
| Tier 1 risk-based capital ratio | 14.8537% | 3,784 |
| Total risk-based capital ratio | 16.1038% | 3,739 |
| Memoranda: | ||
| Average total assets | $287,565,500 | 2,249 |
| Average earning assets | $265,374,000 | 2,248 |
| Average equity | $32,096,000 | 2,148 |
| Average total loans | $197,041,500 | 2,081 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 663 |
| Cost of funding earning assets | 0.3890% | 4,762 |
| Net interest margin | 4.7958% | 435 |
| Noninterest income to average assets | 0.6905% | 2,594 |
| Noninterest expense to average assets | 3.5380% | 1,572 |
| Loan and lease loss provision to assets | 0.1850% | 1,989 |
| Net operating income to assets | 1.3652% | 1,099 |
| Return on assets (ROA) | 1.3652% | 1,146 |
| Pretax return on assets | 1.3652% | 1,913 |
| Return on Equity (ROE) | 12.2207% | 1,348 |
| Retained earnings to average equity (ytd only) | 9.1173% | 749 |
| Net charge-offs to loans | 0.4159% | 1,610 |
| Credit loss provision to net charge-offs | 63.8166% | 3,456 |
| Earnings coverage of net charge-offs (x) | 5.3470% | 3,324 |
| Efficiency ratio | 69.5333% | 3,915 |
| Assets per employee ($millions) | 2.8562% | 6,031 |
| Cash dividends to net income (ytd only)* | 25.3947% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 3,527 |
| Loan loss allowance to noncurrent loans | 65.8894% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.7681% | 1,195 |
| Noncurrent loans to loans | 2.1641% | 1,812 |
| Net loans and leases to total assets | 67.6967% | 2,407 |
| Net loans and leases to deposits | 76.8234% | 2,880 |
| Net loans and leases to core deposits | 81.5786% | 2,949 |
| Total domestic deposits to total assets | 88.1198% | 2,107 |
| Equity capital to assets | 11.3825% | 2,249 |
| Core capital (leverage) ratio | 11.5944% | 1,891 |
| Tier 1 risk-based capital ratio | 15.4038% | 3,427 |
| Total risk-based capital ratio | 16.6545% | 3,373 |
| Memoranda: | ||
| Average total assets | $278,349,600 | 2,285 |
| Average earning assets | $255,246,200 | 2,284 |
| Average equity | $31,094,800 | 2,185 |
| Average total loans | $194,022,000 | 2,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2240% | 613 |
| Cost of funding earning assets | 0.4022% | 4,803 |
| Net interest margin | 4.8218% | 411 |
| Noninterest income to average assets | 0.7257% | 2,483 |
| Noninterest expense to average assets | 3.5179% | 1,575 |
| Loan and lease loss provision to assets | 0.2063% | 1,761 |
| Net operating income to assets | 1.4174% | 1,061 |
| Return on assets (ROA) | 1.4174% | 1,113 |
| Pretax return on assets | 1.4174% | 1,880 |
| Return on Equity (ROE) | 12.7490% | 1,297 |
| Retained earnings to average equity (ytd only) | 8.5857% | 1,203 |
| Net charge-offs to loans | 0.1008% | 3,537 |
| Credit loss provision to net charge-offs | 292.5170% | 874 |
| Earnings coverage of net charge-offs (x) | 23.0266% | 1,475 |
| Efficiency ratio | 68.4206% | 4,007 |
| Assets per employee ($millions) | 2.7820% | 6,186 |
| Cash dividends to net income (ytd only)* | 32.6564% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 2,673 |
| Loan loss allowance to noncurrent loans | 47.3039% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 4.2321% | 728 |
| Noncurrent loans to loans | 3.5637% | 1,065 |
| Net loans and leases to total assets | 70.2169% | 1,924 |
| Net loans and leases to deposits | 79.8232% | 2,435 |
| Net loans and leases to core deposits | 84.7919% | 2,568 |
| Total domestic deposits to total assets | 87.9656% | 2,154 |
| Equity capital to assets | 11.3173% | 2,455 |
| Core capital (leverage) ratio | 11.2666% | 2,233 |
| Tier 1 risk-based capital ratio | 14.9220% | 3,805 |
| Total risk-based capital ratio | 16.1762% | 3,750 |
| Memoranda: | ||
| Average total assets | $277,961,250 | 2,296 |
| Average earning assets | $254,562,000 | 2,297 |
| Average equity | $30,903,500 | 2,221 |
| Average total loans | $194,471,000 | 2,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2244% | 608 |
| Cost of funding earning assets | 0.4152% | 4,806 |
| Net interest margin | 4.8092% | 427 |
| Noninterest income to average assets | 0.6901% | 2,687 |
| Noninterest expense to average assets | 3.4339% | 1,750 |
| Loan and lease loss provision to assets | 0.0251% | 4,417 |
| Net operating income to assets | 1.6427% | 687 |
| Return on assets (ROA) | 1.6427% | 755 |
| Pretax return on assets | 1.6427% | 1,248 |
| Return on Equity (ROE) | 14.8631% | 831 |
| Retained earnings to average equity (ytd only) | 10.0731% | 829 |
| Net charge-offs to loans | 0.0506% | 3,963 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 47.4490% | 828 |
| Efficiency ratio | 67.3088% | 4,311 |
| Assets per employee ($millions) | 3.0560% | 5,757 |
| Cash dividends to net income (ytd only)* | 32.2271% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,504 |
| Loan loss allowance to noncurrent loans | 60.1754% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.4598% | 1,119 |
| Noncurrent loans to loans | 2.5225% | 1,833 |
| Net loans and leases to total assets | 68.9189% | 2,077 |
| Net loans and leases to deposits | 77.9909% | 2,574 |
| Net loans and leases to core deposits | 82.1693% | 2,783 |
| Total domestic deposits to total assets | 88.3679% | 2,002 |
| Equity capital to assets | 10.9129% | 2,834 |
| Core capital (leverage) ratio | 10.9042% | 2,449 |
| Tier 1 risk-based capital ratio | 14.4223% | 4,146 |
| Total risk-based capital ratio | 15.6744% | 4,108 |
| Memoranda: | ||
| Average total assets | $278,809,000 | 2,297 |
| Average earning assets | $255,762,330 | 2,299 |
| Average equity | $30,814,670 | 2,235 |
| Average total loans | $193,726,000 | 2,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 556 |
| Cost of funding earning assets | 0.4506% | 4,588 |
| Net interest margin | 4.7957% | 408 |
| Noninterest income to average assets | 0.7330% | 2,413 |
| Noninterest expense to average assets | 3.4320% | 1,760 |
| Loan and lease loss provision to assets | 0.0145% | 4,271 |
| Net operating income to assets | 1.6805% | 611 |
| Return on assets (ROA) | 1.6805% | 674 |
| Pretax return on assets | 1.6805% | 1,124 |
| Return on Equity (ROE) | 15.1069% | 745 |
| Retained earnings to average equity (ytd only) | 15.1069% | 344 |
| Net charge-offs to loans | 0.0984% | 2,871 |
| Credit loss provision to net charge-offs | 21.2766% | 3,019 |
| Earnings coverage of net charge-offs (x) | 24.8936% | 1,063 |
| Efficiency ratio | 66.9398% | 4,500 |
| Assets per employee ($millions) | 3.0040% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,607 |
| Loan loss allowance to noncurrent loans | 62.4818% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.4089% | 1,269 |
| Noncurrent loans to loans | 2.4838% | 2,079 |
| Net loans and leases to total assets | 67.3050% | 2,140 |
| Net loans and leases to deposits | 76.0221% | 2,635 |
| Net loans and leases to core deposits | 80.1390% | 2,787 |
| Total domestic deposits to total assets | 88.5335% | 1,980 |
| Equity capital to assets | 11.0628% | 2,887 |
| Core capital (leverage) ratio | 11.0088% | 2,254 |
| Tier 1 risk-based capital ratio | 14.5442% | 4,145 |
| Total risk-based capital ratio | 15.7964% | 4,106 |
| Memoranda: | ||
| Average total assets | $276,111,000 | 2,336 |
| Average earning assets | $252,979,000 | 2,349 |
| Average equity | $30,714,500 | 2,260 |
| Average total loans | $191,144,000 | 2,096 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 447 |
| Cost of funding earning assets | 0.5299% | 4,994 |
| Net interest margin | 5.1489% | 297 |
| Noninterest income to average assets | 0.6631% | 2,921 |
| Noninterest expense to average assets | 3.5350% | 1,746 |
| Loan and lease loss provision to assets | 0.2837% | 2,387 |
| Net operating income to assets | 1.5064% | 904 |
| Return on assets (ROA) | 1.5064% | 996 |
| Pretax return on assets | 1.5064% | 1,653 |
| Return on Equity (ROE) | 13.1428% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.4585% | 2,408 |
| Net charge-offs to loans | 0.4813% | 2,316 |
| Credit loss provision to net charge-offs | 84.6774% | 3,674 |
| Earnings coverage of net charge-offs (x) | 5.3433% | 3,067 |
| Efficiency ratio | 66.3840% | 4,427 |
| Assets per employee ($millions) | 3.1377% | 5,770 |
| Cash dividends to net income (ytd only)* | 58.4678% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,300 |
| Loan loss allowance to noncurrent loans | 74.6860% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 3.3868% | 1,356 |
| Noncurrent loans to loans | 2.1460% | 2,527 |
| Net loans and leases to total assets | 69.0045% | 2,033 |
| Net loans and leases to deposits | 78.4736% | 2,469 |
| Net loans and leases to core deposits | 82.7727% | 2,687 |
| Total domestic deposits to total assets | 87.9333% | 2,281 |
| Equity capital to assets | 11.1880% | 2,749 |
| Core capital (leverage) ratio | 11.0443% | 2,219 |
| Tier 1 risk-based capital ratio | 14.2166% | 4,232 |
| Total risk-based capital ratio | 15.4690% | 4,184 |
| Memoranda: | ||
| Average total assets | $259,096,800 | 2,446 |
| Average earning assets | $234,594,000 | 2,458 |
| Average equity | $29,696,800 | 2,267 |
| Average total loans | $180,357,600 | 2,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 556 |
| Cost of funding earning assets | 0.5341% | 5,220 |
| Net interest margin | 5.0661% | 363 |
| Noninterest income to average assets | 0.6755% | 2,844 |
| Noninterest expense to average assets | 3.4148% | 1,969 |
| Loan and lease loss provision to assets | 0.2574% | 2,514 |
| Net operating income to assets | 1.5948% | 857 |
| Return on assets (ROA) | 1.5948% | 956 |
| Pretax return on assets | 1.5948% | 1,591 |
| Return on Equity (ROE) | 13.8273% | 1,144 |
| Retained earnings to average equity (ytd only) | 8.8410% | 1,289 |
| Net charge-offs to loans | 0.5860% | 1,875 |
| Credit loss provision to net charge-offs | 63.2184% | 4,067 |
| Earnings coverage of net charge-offs (x) | 4.5492% | 3,274 |
| Efficiency ratio | 64.8336% | 4,651 |
| Assets per employee ($millions) | 3.0147% | 6,030 |
| Cash dividends to net income (ytd only)* | 36.0613% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 3,761 |
| Loan loss allowance to noncurrent loans | 68.7037% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 3.5640% | 1,402 |
| Noncurrent loans to loans | 2.2453% | 2,563 |
| Net loans and leases to total assets | 70.8510% | 1,752 |
| Net loans and leases to deposits | 80.8953% | 2,264 |
| Net loans and leases to core deposits | 85.9235% | 2,474 |
| Total domestic deposits to total assets | 87.5836% | 2,300 |
| Equity capital to assets | 11.8259% | 2,413 |
| Core capital (leverage) ratio | 11.3773% | 2,071 |
| Tier 1 risk-based capital ratio | 14.6516% | 4,087 |
| Total risk-based capital ratio | 15.9034% | 4,050 |
| Memoranda: | ||
| Average total assets | $256,410,500 | 2,493 |
| Average earning assets | $232,390,000 | 2,502 |
| Average equity | $29,573,500 | 2,293 |
| Average total loans | $178,138,000 | 2,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 635 |
| Cost of funding earning assets | 0.5309% | 5,427 |
| Net interest margin | 5.0237% | 388 |
| Noninterest income to average assets | 0.6662% | 2,860 |
| Noninterest expense to average assets | 3.3994% | 2,036 |
| Loan and lease loss provision to assets | 0.2036% | 3,038 |
| Net operating income to assets | 1.6198% | 810 |
| Return on assets (ROA) | 1.6198% | 897 |
| Pretax return on assets | 1.6198% | 1,490 |
| Return on Equity (ROE) | 14.1657% | 1,076 |
| Retained earnings to average equity (ytd only) | 9.0650% | 1,254 |
| Net charge-offs to loans | 0.8464% | 1,310 |
| Credit loss provision to net charge-offs | 35.0404% | 4,357 |
| Earnings coverage of net charge-offs (x) | 3.1388% | 3,487 |
| Efficiency ratio | 65.0877% | 4,710 |
| Assets per employee ($millions) | 3.0344% | 5,994 |
| Cash dividends to net income (ytd only)* | 36.0077% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 4,219 |
| Loan loss allowance to noncurrent loans | 68.5568% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 3.3834% | 1,586 |
| Noncurrent loans to loans | 2.1261% | 2,792 |
| Net loans and leases to total assets | 68.7344% | 2,154 |
| Net loans and leases to deposits | 78.0097% | 2,665 |
| Net loans and leases to core deposits | 82.4871% | 2,901 |
| Total domestic deposits to total assets | 88.1100% | 2,070 |
| Equity capital to assets | 11.3335% | 2,747 |
| Core capital (leverage) ratio | 11.2695% | 2,070 |
| Tier 1 risk-based capital ratio | 14.4056% | 4,172 |
| Total risk-based capital ratio | 15.6565% | 4,137 |
| Memoranda: | ||
| Average total assets | $255,460,330 | 2,496 |
| Average earning assets | $231,702,330 | 2,506 |
| Average equity | $29,211,330 | 2,305 |
| Average total loans | $175,328,330 | 2,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5950% | 632 |
| Cost of funding earning assets | 0.5364% | 5,576 |
| Net interest margin | 5.0586% | 361 |
| Noninterest income to average assets | 0.6433% | 2,970 |
| Noninterest expense to average assets | 3.3552% | 2,130 |
| Loan and lease loss provision to assets | 0.1991% | 2,948 |
| Net operating income to assets | 1.6848% | 742 |
| Return on assets (ROA) | 1.6848% | 826 |
| Pretax return on assets | 1.6848% | 1,345 |
| Return on Equity (ROE) | 14.6654% | 1,047 |
| Retained earnings to average equity (ytd only) | 9.0931% | 1,554 |
| Net charge-offs to loans | 1.7201% | 559 |
| Credit loss provision to net charge-offs | 17.0068% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.6095% | 3,515 |
| Efficiency ratio | 64.0426% | 4,918 |
| Assets per employee ($millions) | 2.9471% | 6,255 |
| Cash dividends to net income (ytd only)* | 37.9962% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 4,212 |
| Loan loss allowance to noncurrent loans | 50.7747% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 3.9072% | 1,427 |
| Noncurrent loans to loans | 2.9351% | 2,199 |
| Net loans and leases to total assets | 65.8965% | 2,487 |
| Net loans and leases to deposits | 74.9383% | 2,981 |
| Net loans and leases to core deposits | 78.9975% | 3,187 |
| Total domestic deposits to total assets | 87.9343% | 2,367 |
| Equity capital to assets | 11.3863% | 2,539 |
| Core capital (leverage) ratio | 11.1125% | 2,179 |
| Tier 1 risk-based capital ratio | 14.9056% | 3,820 |
| Total risk-based capital ratio | 16.1564% | 3,789 |
| Memoranda: | ||
| Average total assets | $251,192,500 | 2,553 |
| Average earning assets | $228,205,500 | 2,561 |
| Average equity | $28,857,000 | 2,332 |
| Average total loans | $170,922,500 | 2,351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 481 |
| Cost of funding earning assets | 0.5797% | 6,190 |
| Net interest margin | 5.3569% | 217 |
| Noninterest income to average assets | 0.8097% | 2,005 |
| Noninterest expense to average assets | 3.5855% | 1,770 |
| Loan and lease loss provision to assets | 0.6342% | 1,611 |
| Net operating income to assets | 1.4705% | 881 |
| Return on assets (ROA) | 1.4705% | 960 |
| Pretax return on assets | 1.4705% | 1,560 |
| Return on Equity (ROE) | 12.5187% | 1,279 |
| Retained earnings to average equity (ytd only) | 2.3579% | 4,546 |
| Net charge-offs to loans | 0.3625% | 3,593 |
| Credit loss provision to net charge-offs | 244.7833% | 990 |
| Earnings coverage of net charge-offs (x) | 8.1236% | 2,208 |
| Efficiency ratio | 63.0125% | 5,299 |
| Assets per employee ($millions) | 2.8940% | 6,296 |
| Cash dividends to net income (ytd only)* | 81.1652% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 2,681 |
| Loan loss allowance to noncurrent loans | 61.8601% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 4.2274% | 1,330 |
| Noncurrent loans to loans | 3.0047% | 2,162 |
| Net loans and leases to total assets | 67.9571% | 2,400 |
| Net loans and leases to deposits | 77.8919% | 2,859 |
| Net loans and leases to core deposits | 82.0347% | 3,174 |
| Total domestic deposits to total assets | 87.2454% | 2,615 |
| Equity capital to assets | 11.5940% | 2,430 |
| Core capital (leverage) ratio | 11.3734% | 1,985 |
| Tier 1 risk-based capital ratio | 14.9687% | 3,657 |
| Total risk-based capital ratio | 16.2243% | 3,613 |
| Memoranda: | ||
| Average total assets | $240,466,400 | 2,628 |
| Average earning assets | $219,080,400 | 2,623 |
| Average equity | $28,245,800 | 2,316 |
| Average total loans | $171,873,200 | 2,357 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0058% | 453 |
| Cost of funding earning assets | 0.5891% | 6,334 |
| Net interest margin | 5.4167% | 198 |
| Noninterest income to average assets | 0.7746% | 2,171 |
| Noninterest expense to average assets | 3.3125% | 2,457 |
| Loan and lease loss provision to assets | 0.7027% | 1,365 |
| Net operating income to assets | 1.6975% | 633 |
| Return on assets (ROA) | 1.6975% | 694 |
| Pretax return on assets | 1.6975% | 1,153 |
| Return on Equity (ROE) | 14.4037% | 960 |
| Retained earnings to average equity (ytd only) | 5.4038% | 2,907 |
| Net charge-offs to loans | 0.4017% | 3,111 |
| Credit loss provision to net charge-offs | 242.7746% | 1,180 |
| Earnings coverage of net charge-offs (x) | 8.2929% | 2,201 |
| Efficiency ratio | 57.9852% | 6,012 |
| Assets per employee ($millions) | 2.8805% | 6,350 |
| Cash dividends to net income (ytd only)* | 62.4836% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 3,035 |
| Loan loss allowance to noncurrent loans | 63.1435% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 4.3069% | 1,404 |
| Noncurrent loans to loans | 2.8048% | 2,479 |
| Net loans and leases to total assets | 68.8820% | 2,298 |
| Net loans and leases to deposits | 78.9762% | 2,819 |
| Net loans and leases to core deposits | 83.3370% | 3,141 |
| Total domestic deposits to total assets | 87.2187% | 2,517 |
| Equity capital to assets | 11.9981% | 2,252 |
| Core capital (leverage) ratio | 11.8321% | 1,806 |
| Tier 1 risk-based capital ratio | 15.3383% | 3,468 |
| Total risk-based capital ratio | 16.5930% | 3,434 |
| Memoranda: | ||
| Average total assets | $239,085,750 | 2,659 |
| Average earning assets | $217,962,250 | 2,652 |
| Average equity | $28,177,250 | 2,320 |
| Average total loans | $172,258,250 | 2,363 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7686% | 765 |
| Cost of funding earning assets | 0.5975% | 6,475 |
| Net interest margin | 5.1711% | 295 |
| Noninterest income to average assets | 0.7441% | 2,287 |
| Noninterest expense to average assets | 3.3352% | 2,447 |
| Loan and lease loss provision to assets | 0.7349% | 1,267 |
| Net operating income to assets | 1.4135% | 1,049 |
| Return on assets (ROA) | 1.4135% | 1,116 |
| Pretax return on assets | 1.4135% | 1,767 |
| Return on Equity (ROE) | 12.0677% | 1,468 |
| Retained earnings to average equity (ytd only) | 2.2228% | 4,878 |
| Net charge-offs to loans | -0.0566% | 7,050 |
| Credit loss provision to net charge-offs | -1,785.7143% | 6,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8210% | 5,757 |
| Assets per employee ($millions) | 2.8939% | 6,318 |
| Cash dividends to net income (ytd only)* | 81.5805% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 2,926 |
| Loan loss allowance to noncurrent loans | 30.6068% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 5.8884% | 959 |
| Noncurrent loans to loans | 5.9411% | 1,014 |
| Net loans and leases to total assets | 72.5395% | 1,677 |
| Net loans and leases to deposits | 82.9350% | 2,291 |
| Net loans and leases to core deposits | 88.0098% | 2,647 |
| Total domestic deposits to total assets | 87.4655% | 2,483 |
| Equity capital to assets | 11.8548% | 2,206 |
| Core capital (leverage) ratio | 11.3623% | 2,002 |
| Tier 1 risk-based capital ratio | 14.7453% | 3,652 |
| Total risk-based capital ratio | 16.0008% | 3,611 |
| Memoranda: | ||
| Average total assets | $238,126,670 | 2,674 |
| Average earning assets | $218,249,330 | 2,666 |
| Average equity | $27,892,670 | 2,320 |
| Average total loans | $173,119,670 | 2,371 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6521% | 972 |
| Cost of funding earning assets | 0.6068% | 6,589 |
| Net interest margin | 5.0454% | 349 |
| Noninterest income to average assets | 0.7227% | 2,430 |
| Noninterest expense to average assets | 3.3068% | 2,538 |
| Loan and lease loss provision to assets | 0.6372% | 1,356 |
| Net operating income to assets | 1.4220% | 1,028 |
| Return on assets (ROA) | 1.4220% | 1,060 |
| Pretax return on assets | 1.4220% | 1,668 |
| Return on Equity (ROE) | 12.2131% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.9606% | 3,796 |
| Net charge-offs to loans | -0.0581% | 6,931 |
| Credit loss provision to net charge-offs | -1,520.0000% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6250% | 5,735 |
| Assets per employee ($millions) | 2.8961% | 6,359 |
| Cash dividends to net income (ytd only)* | 67.5708% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,861 |
| Loan loss allowance to noncurrent loans | 21.9004% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 5.7002% | 1,042 |
| Noncurrent loans to loans | 7.1760% | 755 |
| Net loans and leases to total assets | 68.7137% | 2,400 |
| Net loans and leases to deposits | 78.1920% | 3,030 |
| Net loans and leases to core deposits | 82.9016% | 3,325 |
| Total domestic deposits to total assets | 87.8782% | 2,439 |
| Equity capital to assets | 11.4752% | 2,297 |
| Core capital (leverage) ratio | 11.3247% | 1,942 |
| Tier 1 risk-based capital ratio | 15.1079% | 3,369 |
| Total risk-based capital ratio | 16.3607% | 3,328 |
| Memoranda: | ||
| Average total assets | $238,541,500 | 2,689 |
| Average earning assets | $219,528,500 | 2,668 |
| Average equity | $27,773,500 | 2,317 |
| Average total loans | $172,018,500 | 2,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 1,197 |
| Cost of funding earning assets | 0.7608% | 6,704 |
| Net interest margin | 5.0703% | 375 |
| Noninterest income to average assets | 0.6528% | 3,133 |
| Noninterest expense to average assets | 3.3367% | 2,621 |
| Loan and lease loss provision to assets | 0.8903% | 1,836 |
| Net operating income to assets | 1.0665% | 1,822 |
| Return on assets (ROA) | 1.1015% | 1,773 |
| Pretax return on assets | 1.1015% | 2,573 |
| Return on Equity (ROE) | 9.7716% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.5586% | 2,083 |
| Net charge-offs to loans | 1.1095% | 2,005 |
| Credit loss provision to net charge-offs | 112.9153% | 3,866 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 3,878 |
| Efficiency ratio | 63.0348% | 5,506 |
| Assets per employee ($millions) | 2.7835% | 6,546 |
| Cash dividends to net income (ytd only)* | 43.1147% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 5,005 |
| Loan loss allowance to noncurrent loans | 12.7270% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 7.7135% | 660 |
| Noncurrent loans to loans | 10.2115% | 408 |
| Net loans and leases to total assets | 73.5392% | 1,759 |
| Net loans and leases to deposits | 84.1171% | 2,432 |
| Net loans and leases to core deposits | 88.1017% | 3,038 |
| Total domestic deposits to total assets | 87.4248% | 2,600 |
| Equity capital to assets | 11.8177% | 2,027 |
| Core capital (leverage) ratio | 11.5694% | 1,800 |
| Tier 1 risk-based capital ratio | 14.8837% | 3,315 |
| Total risk-based capital ratio | 16.1239% | 3,278 |
| Memoranda: | ||
| Average total assets | $236,672,200 | 2,675 |
| Average earning assets | $216,613,400 | 2,667 |
| Average equity | $26,679,400 | 2,399 |
| Average total loans | $168,176,400 | 2,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 1,185 |
| Cost of funding earning assets | 0.7928% | 6,787 |
| Net interest margin | 5.0856% | 368 |
| Noninterest income to average assets | 0.6060% | 3,401 |
| Noninterest expense to average assets | 3.2907% | 2,600 |
| Loan and lease loss provision to assets | 1.0346% | 1,429 |
| Net operating income to assets | 0.9250% | 2,516 |
| Return on assets (ROA) | 0.9717% | 2,450 |
| Pretax return on assets | 0.9717% | 3,287 |
| Return on Equity (ROE) | 8.7234% | 2,595 |
| Retained earnings to average equity (ytd only) | 3.0557% | 4,297 |
| Net charge-offs to loans | 0.5344% | 3,166 |
| Credit loss provision to net charge-offs | 275.7485% | 1,189 |
| Earnings coverage of net charge-offs (x) | 5.2231% | 2,804 |
| Efficiency ratio | 62.6765% | 5,492 |
| Assets per employee ($millions) | 2.8455% | 6,491 |
| Cash dividends to net income (ytd only)* | 64.9711% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 2,567 |
| Loan loss allowance to noncurrent loans | 23.0658% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 6.2026% | 948 |
| Noncurrent loans to loans | 8.1176% | 629 |
| Net loans and leases to total assets | 72.6709% | 2,086 |
| Net loans and leases to deposits | 83.1046% | 2,887 |
| Net loans and leases to core deposits | 88.0370% | 3,365 |
| Total domestic deposits to total assets | 87.4451% | 2,291 |
| Equity capital to assets | 11.7019% | 2,357 |
| Core capital (leverage) ratio | 11.3063% | 2,061 |
| Tier 1 risk-based capital ratio | 14.6379% | 3,436 |
| Total risk-based capital ratio | 15.8943% | 3,406 |
| Memoranda: | ||
| Average total assets | $237,387,750 | 2,700 |
| Average earning assets | $216,790,000 | 2,706 |
| Average equity | $26,441,500 | 2,462 |
| Average total loans | $166,669,000 | 2,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8657% | 1,265 |
| Cost of funding earning assets | 0.8335% | 6,808 |
| Net interest margin | 5.0322% | 395 |
| Noninterest income to average assets | 0.8286% | 1,979 |
| Noninterest expense to average assets | 3.2000% | 2,904 |
| Loan and lease loss provision to assets | 1.2892% | 1,071 |
| Net operating income to assets | 0.9287% | 2,441 |
| Return on assets (ROA) | 0.9287% | 2,538 |
| Pretax return on assets | 0.9287% | 3,395 |
| Return on Equity (ROE) | 8.4752% | 2,679 |
| Retained earnings to average equity (ytd only) | -0.0838% | 5,750 |
| Net charge-offs to loans | 0.7621% | 2,334 |
| Credit loss provision to net charge-offs | 245.2381% | 1,569 |
| Earnings coverage of net charge-offs (x) | 4.2190% | 3,018 |
| Efficiency ratio | 59.0636% | 6,208 |
| Assets per employee ($millions) | 2.7711% | 6,635 |
| Cash dividends to net income (ytd only)* | 100.9883% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,931 |
| Loan loss allowance to noncurrent loans | 20.9797% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 6.2026% | 928 |
| Noncurrent loans to loans | 8.3011% | 611 |
| Net loans and leases to total assets | 71.2122% | 2,613 |
| Net loans and leases to deposits | 81.5268% | 3,334 |
| Net loans and leases to core deposits | 86.8769% | 3,718 |
| Total domestic deposits to total assets | 87.3481% | 2,356 |
| Equity capital to assets | 11.3154% | 2,584 |
| Core capital (leverage) ratio | 10.8590% | 2,358 |
| Tier 1 risk-based capital ratio | 14.2980% | 3,542 |
| Total risk-based capital ratio | 15.5525% | 3,516 |
| Memoranda: | ||
| Average total assets | $239,689,330 | 2,703 |
| Average earning assets | $218,592,670 | 2,701 |
| Average equity | $26,265,000 | 2,471 |
| Average total loans | $165,328,670 | 2,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 1,456 |
| Cost of funding earning assets | 0.9158% | 6,708 |
| Net interest margin | 4.8843% | 538 |
| Noninterest income to average assets | 0.7831% | 2,104 |
| Noninterest expense to average assets | 3.3149% | 2,479 |
| Loan and lease loss provision to assets | 0.9706% | 1,288 |
| Net operating income to assets | 0.9459% | 2,374 |
| Return on assets (ROA) | 0.9459% | 2,440 |
| Pretax return on assets | 0.9459% | 3,282 |
| Return on Equity (ROE) | 8.7693% | 2,573 |
| Retained earnings to average equity (ytd only) | -2.8824% | 6,340 |
| Net charge-offs to loans | 1.1220% | 1,500 |
| Credit loss provision to net charge-offs | 128.5403% | 2,741 |
| Earnings coverage of net charge-offs (x) | 2.5381% | 3,277 |
| Efficiency ratio | 63.3648% | 5,607 |
| Assets per employee ($millions) | 2.8007% | 6,647 |
| Cash dividends to net income (ytd only)* | 132.8696% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,831 |
| Loan loss allowance to noncurrent loans | 20.3515% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 4.4711% | 1,514 |
| Noncurrent loans to loans | 6.4823% | 961 |
| Net loans and leases to total assets | 66.8949% | 3,658 |
| Net loans and leases to deposits | 76.5719% | 4,308 |
| Net loans and leases to core deposits | 81.1754% | 4,598 |
| Total domestic deposits to total assets | 87.3622% | 2,429 |
| Equity capital to assets | 10.8193% | 2,934 |
| Core capital (leverage) ratio | 10.3436% | 2,767 |
| Tier 1 risk-based capital ratio | 14.4409% | 3,418 |
| Total risk-based capital ratio | 15.6608% | 3,396 |
| Memoranda: | ||
| Average total assets | $243,148,000 | 2,731 |
| Average earning assets | $221,442,500 | 2,721 |
| Average equity | $26,228,000 | 2,499 |
| Average total loans | $163,643,000 | 2,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 1,417 |
| Cost of funding earning assets | 1.2681% | 6,416 |
| Net interest margin | 4.8674% | 605 |
| Noninterest income to average assets | 1.0220% | 1,497 |
| Noninterest expense to average assets | 3.2754% | 3,102 |
| Loan and lease loss provision to assets | 0.4314% | 4,243 |
| Net operating income to assets | 1.6961% | 446 |
| Return on assets (ROA) | 1.6969% | 472 |
| Pretax return on assets | 1.6969% | 784 |
| Return on Equity (ROE) | 16.7793% | 476 |
| Retained earnings to average equity (ytd only) | 10.6290% | 311 |
| Net charge-offs to loans | 0.7405% | 2,971 |
| Credit loss provision to net charge-offs | 90.5128% | 5,983 |
| Earnings coverage of net charge-offs (x) | 4.4641% | 2,944 |
| Efficiency ratio | 60.6227% | 6,384 |
| Assets per employee ($millions) | 3.0301% | 6,144 |
| Cash dividends to net income (ytd only)* | 36.6539% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 5,153 |
| Loan loss allowance to noncurrent loans | 23.3657% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 3.6029% | 1,853 |
| Noncurrent loans to loans | 5.2789% | 1,246 |
| Net loans and leases to total assets | 65.9993% | 4,149 |
| Net loans and leases to deposits | 76.9404% | 4,581 |
| Net loans and leases to core deposits | 91.9968% | 4,886 |
| Total domestic deposits to total assets | 85.7798% | 3,118 |
| Equity capital to assets | 10.7550% | 2,915 |
| Core capital (leverage) ratio | 9.9917% | 3,101 |
| Tier 1 risk-based capital ratio | 14.4361% | 3,244 |
| Total risk-based capital ratio | 15.5721% | 3,257 |
| Memoranda: | ||
| Average total assets | $245,499,600 | 2,655 |
| Average earning assets | $220,958,400 | 2,693 |
| Average equity | $24,828,200 | 2,622 |
| Average total loans | $158,001,000 | 2,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2284% | 1,301 |
| Cost of funding earning assets | 1.3205% | 6,490 |
| Net interest margin | 4.9079% | 546 |
| Noninterest income to average assets | 0.9373% | 1,829 |
| Noninterest expense to average assets | 3.2117% | 3,263 |
| Loan and lease loss provision to assets | 0.4850% | 3,477 |
| Net operating income to assets | 1.6428% | 615 |
| Return on assets (ROA) | 1.6439% | 662 |
| Pretax return on assets | 1.6439% | 1,086 |
| Return on Equity (ROE) | 16.5162% | 595 |
| Retained earnings to average equity (ytd only) | 8.1844% | 1,086 |
| Net charge-offs to loans | 0.4873% | 3,279 |
| Credit loss provision to net charge-offs | 156.1189% | 3,053 |
| Earnings coverage of net charge-offs (x) | 6.8496% | 2,528 |
| Efficiency ratio | 60.1505% | 6,393 |
| Assets per employee ($millions) | 2.9985% | 6,163 |
| Cash dividends to net income (ytd only)* | 50.4460% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 3,301 |
| Loan loss allowance to noncurrent loans | 26.4013% | 6,696 |
| Noncurrent assets plus other real estate owned to assets | 5.1841% | 1,121 |
| Noncurrent loans to loans | 5.7802% | 1,052 |
| Net loans and leases to total assets | 65.1983% | 4,601 |
| Net loans and leases to deposits | 76.9795% | 4,901 |
| Net loans and leases to core deposits | 92.1353% | 5,220 |
| Total domestic deposits to total assets | 84.6957% | 3,377 |
| Equity capital to assets | 10.4818% | 3,535 |
| Core capital (leverage) ratio | 10.0747% | 3,205 |
| Tier 1 risk-based capital ratio | 13.8883% | 3,615 |
| Total risk-based capital ratio | 15.1400% | 3,556 |
| Memoranda: | ||
| Average total assets | $245,514,750 | 2,669 |
| Average earning assets | $220,212,750 | 2,718 |
| Average equity | $24,436,000 | 2,699 |
| Average total loans | $156,498,500 | 2,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0939% | 1,809 |
| Cost of funding earning assets | 1.3526% | 6,639 |
| Net interest margin | 4.7413% | 742 |
| Noninterest income to average assets | 0.9278% | 1,859 |
| Noninterest expense to average assets | 3.3751% | 2,702 |
| Loan and lease loss provision to assets | 0.2013% | 5,046 |
| Net operating income to assets | 1.6023% | 678 |
| Return on assets (ROA) | 1.6023% | 742 |
| Pretax return on assets | 1.6023% | 1,197 |
| Return on Equity (ROE) | 16.3849% | 656 |
| Retained earnings to average equity (ytd only) | 8.1676% | 1,161 |
| Net charge-offs to loans | 0.6514% | 2,408 |
| Credit loss provision to net charge-offs | 49.1089% | 5,781 |
| Earnings coverage of net charge-offs (x) | 4.4000% | 3,105 |
| Efficiency ratio | 65.1724% | 5,682 |
| Assets per employee ($millions) | 2.9467% | 6,276 |
| Cash dividends to net income (ytd only)* | 50.1520% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 5,257 |
| Loan loss allowance to noncurrent loans | 16.7604% | 7,297 |
| Noncurrent assets plus other real estate owned to assets | 4.7754% | 1,148 |
| Noncurrent loans to loans | 6.8742% | 721 |
| Net loans and leases to total assets | 65.0601% | 4,754 |
| Net loans and leases to deposits | 78.2172% | 4,832 |
| Net loans and leases to core deposits | 93.3012% | 5,200 |
| Total domestic deposits to total assets | 83.1787% | 4,155 |
| Equity capital to assets | 9.9374% | 4,037 |
| Core capital (leverage) ratio | 9.6247% | 3,733 |
| Tier 1 risk-based capital ratio | 13.5073% | 3,814 |
| Total risk-based capital ratio | 14.5615% | 3,857 |
| Memoranda: | ||
| Average total assets | $246,393,330 | 2,676 |
| Average earning assets | $220,909,330 | 2,734 |
| Average equity | $24,095,330 | 2,743 |
| Average total loans | $155,062,330 | 2,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0591% | 2,113 |
| Cost of funding earning assets | 1.4143% | 6,684 |
| Net interest margin | 4.6449% | 875 |
| Noninterest income to average assets | 0.9535% | 1,626 |
| Noninterest expense to average assets | 3.3047% | 2,643 |
| Loan and lease loss provision to assets | 0.1643% | 4,827 |
| Net operating income to assets | 1.6206% | 759 |
| Return on assets (ROA) | 1.6206% | 835 |
| Pretax return on assets | 1.6206% | 1,359 |
| Return on Equity (ROE) | 16.7083% | 723 |
| Retained earnings to average equity (ytd only) | 16.7083% | 290 |
| Net charge-offs to loans | 0.9157% | 1,445 |
| Credit loss provision to net charge-offs | 29.1908% | 4,957 |
| Earnings coverage of net charge-offs (x) | 3.1705% | 3,264 |
| Efficiency ratio | 64.9297% | 5,518 |
| Assets per employee ($millions) | 3.3181% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,525 |
| Loan loss allowance to noncurrent loans | 18.6513% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 4.2615% | 1,167 |
| Noncurrent loans to loans | 6.6485% | 638 |
| Net loans and leases to total assets | 58.8841% | 5,821 |
| Net loans and leases to deposits | 71.2931% | 5,831 |
| Net loans and leases to core deposits | 85.3934% | 5,959 |
| Total domestic deposits to total assets | 82.5943% | 4,337 |
| Equity capital to assets | 9.6079% | 4,515 |
| Core capital (leverage) ratio | 9.7201% | 3,725 |
| Tier 1 risk-based capital ratio | 13.5094% | 3,858 |
| Total risk-based capital ratio | 14.5700% | 3,899 |
| Memoranda: | ||
| Average total assets | $245,830,500 | 2,697 |
| Average earning assets | $218,909,000 | 2,775 |
| Average equity | $23,844,500 | 2,787 |
| Average total loans | $151,137,000 | 2,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8889% | 1,427 |
| Cost of funding earning assets | 1.9161% | 6,687 |
| Net interest margin | 4.9727% | 545 |
| Noninterest income to average assets | 1.0296% | 1,487 |
| Noninterest expense to average assets | 3.2186% | 3,267 |
| Loan and lease loss provision to assets | 0.4519% | 3,031 |
| Net operating income to assets | 1.9604% | 389 |
| Return on assets (ROA) | 1.9631% | 372 |
| Pretax return on assets | 1.9631% | 674 |
| Return on Equity (ROE) | 19.6290% | 404 |
| Retained earnings to average equity (ytd only) | 6.8885% | 1,192 |
| Net charge-offs to loans | 0.4691% | 2,484 |
| Credit loss provision to net charge-offs | 144.4759% | 3,656 |
| Earnings coverage of net charge-offs (x) | 7.7125% | 3,041 |
| Efficiency ratio | 57.1597% | 6,842 |
| Assets per employee ($millions) | 3.0671% | 5,870 |
| Cash dividends to net income (ytd only)* | 64.9063% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,064 |
| Loan loss allowance to noncurrent loans | 19.2547% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 4.9724% | 705 |
| Noncurrent loans to loans | 7.3917% | 390 |
| Net loans and leases to total assets | 62.5853% | 5,524 |
| Net loans and leases to deposits | 74.7890% | 5,763 |
| Net loans and leases to core deposits | 93.4776% | 5,498 |
| Total domestic deposits to total assets | 83.6825% | 3,488 |
| Equity capital to assets | 9.7987% | 4,289 |
| Core capital (leverage) ratio | 10.0771% | 3,377 |
| Tier 1 risk-based capital ratio | 14.0114% | 3,545 |
| Total risk-based capital ratio | 15.2621% | 3,461 |
| Memoranda: | ||
| Average total assets | $225,719,400 | 2,822 |
| Average earning assets | $208,859,200 | 2,786 |
| Average equity | $22,573,800 | 2,900 |
| Average total loans | $150,502,200 | 2,922 |