Home > Farmers & Merchants Savings Bank > Performance and Condition Ratios
Farmers & Merchants Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 1,944 |
| Cost of funding earning assets | 1.4129% | 2,198 |
| Net interest margin | 3.6509% | 1,858 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0690% | 3,475 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.4929% | 1,032 |
| Return on assets (ROA) | 1.5131% | 963 |
| Pretax return on assets | 1.5939% | 1,244 |
| Return on Equity (ROE) | 12.4000% | 1,863 |
| Retained earnings to average equity (ytd only) | -4.9357% | 4,388 |
| Net charge-offs to loans | 0.2399% | 447 |
| Credit loss provision to net charge-offs | 132.6044% | 1,573 |
| Earnings coverage of net charge-offs (x) | 10.5119% | 2,236 |
| Efficiency ratio | 53.4817% | 3,711 |
| Assets per employee ($millions) | 7.1937% | 1,938 |
| Cash dividends to net income (ytd only)* | 139.8043% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 903 |
| Loan loss allowance to noncurrent loans | 122.3974% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 545 |
| Noncurrent loans to loans | 1.2811% | 554 |
| Net loans and leases to total assets | 70.2100% | 1,784 |
| Net loans and leases to deposits | 79.9663% | 2,112 |
| Net loans and leases to core deposits | 86.9403% | 2,248 |
| Total domestic deposits to total assets | 87.8000% | 1,419 |
| Equity capital to assets | 11.4986% | 1,284 |
| Core capital (leverage) ratio | 12.5343% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3991% | 1,418 |
| Memoranda: | ||
| Average total assets | $587,614,400 | 1,506 |
| Average earning assets | $551,008,400 | 1,490 |
| Average equity | $71,701,800 | 1,227 |
| Average total loans | $419,331,400 | 1,428 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 1,977 |
| Cost of funding earning assets | 1.2986% | 2,152 |
| Net interest margin | 3.6397% | 1,903 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9779% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8670% | 586 |
| Return on assets (ROA) | 1.8852% | 566 |
| Pretax return on assets | 1.9636% | 791 |
| Return on Equity (ROE) | 15.2300% | 1,409 |
| Retained earnings to average equity (ytd only) | 10.5706% | 1,249 |
| Net charge-offs to loans | 0.0029% | 2,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 948.4444% | 168 |
| Efficiency ratio | 50.4240% | 3,881 |
| Assets per employee ($millions) | 7.0736% | 1,906 |
| Cash dividends to net income (ytd only)* | 30.5740% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 953 |
| Loan loss allowance to noncurrent loans | 110.3791% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 529 |
| Noncurrent loans to loans | 1.4170% | 525 |
| Net loans and leases to total assets | 68.9700% | 1,950 |
| Net loans and leases to deposits | 79.6954% | 2,075 |
| Net loans and leases to core deposits | 87.3472% | 2,104 |
| Total domestic deposits to total assets | 86.5400% | 2,028 |
| Equity capital to assets | 12.7286% | 869 |
| Core capital (leverage) ratio | 14.4505% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5207% | 883 |
| Memoranda: | ||
| Average total assets | $585,248,000 | 1,522 |
| Average earning assets | $549,403,000 | 1,495 |
| Average equity | $72,463,250 | 1,211 |
| Average total loans | $417,696,250 | 1,422 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 2,094 |
| Cost of funding earning assets | 1.1681% | 2,084 |
| Net interest margin | 3.5872% | 2,069 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 1.9164% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0107% | 457 |
| Return on assets (ROA) | 2.0310% | 440 |
| Pretax return on assets | 2.1155% | 607 |
| Return on Equity (ROE) | 16.5600% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.4311% | 899 |
| Net charge-offs to loans | 0.0052% | 2,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 556.5455% | 262 |
| Efficiency ratio | 47.7823% | 4,078 |
| Assets per employee ($millions) | 6.8755% | 2,020 |
| Cash dividends to net income (ytd only)* | 24.9284% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,142 |
| Loan loss allowance to noncurrent loans | 103.0274% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 410 |
| Noncurrent loans to loans | 1.4677% | 461 |
| Net loans and leases to total assets | 72.5400% | 1,462 |
| Net loans and leases to deposits | 83.7715% | 1,691 |
| Net loans and leases to core deposits | 91.2260% | 1,721 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 12.7534% | 872 |
| Core capital (leverage) ratio | 14.4256% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9553% | 1,132 |
| Memoranda: | ||
| Average total assets | $584,627,333 | 1,516 |
| Average earning assets | $552,188,333 | 1,491 |
| Average equity | $71,707,333 | 1,218 |
| Average total loans | $419,811,000 | 1,404 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,202 |
| Cost of funding earning assets | 1.0126% | 2,004 |
| Net interest margin | 3.5339% | 2,275 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.8135% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4010% | 1,407 |
| Return on assets (ROA) | 1.4336% | 1,290 |
| Pretax return on assets | 1.4934% | 1,686 |
| Return on Equity (ROE) | 11.9200% | 2,238 |
| Retained earnings to average equity (ytd only) | 11.9209% | 1,285 |
| Net charge-offs to loans | -0.0038% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.8443% | 2,225 |
| Assets per employee ($millions) | 7.1928% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,154 |
| Loan loss allowance to noncurrent loans | 445.5425% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 1,877 |
| Noncurrent loans to loans | 0.3451% | 1,911 |
| Net loans and leases to total assets | 70.8600% | 1,542 |
| Net loans and leases to deposits | 81.4974% | 1,706 |
| Net loans and leases to core deposits | 89.0993% | 1,672 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 12.5029% | 875 |
| Core capital (leverage) ratio | 13.9189% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7560% | 1,030 |
| Memoranda: | ||
| Average total assets | $588,171,500 | 1,530 |
| Average earning assets | $555,418,000 | 1,502 |
| Average equity | $70,733,000 | 1,237 |
| Average total loans | $417,037,500 | 1,426 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 2,503 |
| Cost of funding earning assets | 0.3849% | 2,221 |
| Net interest margin | 3.3245% | 2,495 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.2520% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1855% | 1,831 |
| Return on assets (ROA) | 1.1918% | 1,742 |
| Pretax return on assets | 1.2415% | 2,305 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 0.2743% | 4,304 |
| Net charge-offs to loans | 0.2577% | 309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.1444% | 2,313 |
| Efficiency ratio | 64.5835% | 2,419 |
| Assets per employee ($millions) | 7.6119% | 1,537 |
| Cash dividends to net income (ytd only)* | 97.2593% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,065 |
| Loan loss allowance to noncurrent loans | 398.1459% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 1,794 |
| Noncurrent loans to loans | 0.3901% | 1,751 |
| Net loans and leases to total assets | 68.7700% | 1,762 |
| Net loans and leases to deposits | 78.2373% | 1,920 |
| Net loans and leases to core deposits | 84.2721% | 1,865 |
| Total domestic deposits to total assets | 87.9100% | 2,100 |
| Equity capital to assets | 11.5579% | 1,067 |
| Core capital (leverage) ratio | 12.7714% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2866% | 1,295 |
| Memoranda: | ||
| Average total assets | $597,019,200 | 1,491 |
| Average earning assets | $563,206,400 | 1,470 |
| Average equity | $71,085,400 | 1,235 |
| Average total loans | $400,462,800 | 1,389 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 2,590 |
| Cost of funding earning assets | 0.2820% | 2,363 |
| Net interest margin | 3.2280% | 2,539 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.1874% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1316% | 1,969 |
| Return on assets (ROA) | 1.1372% | 1,916 |
| Pretax return on assets | 1.1842% | 2,428 |
| Return on Equity (ROE) | 9.4800% | 2,881 |
| Retained earnings to average equity (ytd only) | -0.0019% | 4,348 |
| Net charge-offs to loans | 0.0121% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 146.7778% | 759 |
| Efficiency ratio | 64.9881% | 2,408 |
| Assets per employee ($millions) | 7.1119% | 1,871 |
| Cash dividends to net income (ytd only)* | 100.0196% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 713 |
| Loan loss allowance to noncurrent loans | 235.5288% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 1,043 |
| Noncurrent loans to loans | 0.7694% | 1,055 |
| Net loans and leases to total assets | 66.6700% | 1,820 |
| Net loans and leases to deposits | 75.3906% | 1,926 |
| Net loans and leases to core deposits | 80.8219% | 1,843 |
| Total domestic deposits to total assets | 88.4300% | 2,299 |
| Equity capital to assets | 11.0264% | 1,165 |
| Core capital (leverage) ratio | 12.9058% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0463% | 1,166 |
| Memoranda: | ||
| Average total assets | $597,842,750 | 1,495 |
| Average earning assets | $563,103,250 | 1,479 |
| Average equity | $71,701,250 | 1,241 |
| Average total loans | $396,884,750 | 1,395 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 2,492 |
| Cost of funding earning assets | 0.2230% | 2,609 |
| Net interest margin | 3.1570% | 2,338 |
| Noninterest income to average assets | 0.3536% | 3,038 |
| Noninterest expense to average assets | 2.1839% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1050% | 1,759 |
| Return on assets (ROA) | 1.1111% | 1,710 |
| Pretax return on assets | 1.1568% | 2,220 |
| Return on Equity (ROE) | 9.0184% | 2,698 |
| Retained earnings to average equity (ytd only) | -2.6328% | 4,429 |
| Net charge-offs to loans | -0.0551% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4985% | 2,577 |
| Assets per employee ($millions) | 7.0970% | 1,881 |
| Cash dividends to net income (ytd only)* | 129.1931% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 670 |
| Loan loss allowance to noncurrent loans | 254.9428% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 1,157 |
| Noncurrent loans to loans | 0.7428% | 1,161 |
| Net loans and leases to total assets | 65.1124% | 1,799 |
| Net loans and leases to deposits | 74.0768% | 1,863 |
| Net loans and leases to core deposits | 78.8653% | 1,785 |
| Total domestic deposits to total assets | 87.8985% | 2,615 |
| Equity capital to assets | 11.5874% | 1,004 |
| Core capital (leverage) ratio | 12.9523% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0796% | 1,167 |
| Memoranda: | ||
| Average total assets | $595,619,667 | 1,504 |
| Average earning assets | $562,375,333 | 1,491 |
| Average equity | $73,383,000 | 1,253 |
| Average total loans | $392,363,000 | 1,401 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 2,342 |
| Cost of funding earning assets | 0.1975% | 2,837 |
| Net interest margin | 3.1165% | 2,119 |
| Noninterest income to average assets | 0.4211% | 2,550 |
| Noninterest expense to average assets | 2.2474% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0735% | 1,608 |
| Return on assets (ROA) | 1.0943% | 1,539 |
| Pretax return on assets | 1.1389% | 2,021 |
| Return on Equity (ROE) | 8.6204% | 2,474 |
| Retained earnings to average equity (ytd only) | -7.3532% | 4,503 |
| Net charge-offs to loans | -0.0257% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7939% | 2,664 |
| Assets per employee ($millions) | 6.7068% | 2,219 |
| Cash dividends to net income (ytd only)* | 185.2996% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 734 |
| Loan loss allowance to noncurrent loans | 4,966.8874% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,791 |
| Noncurrent loans to loans | 0.0384% | 3,702 |
| Net loans and leases to total assets | 65.3743% | 1,478 |
| Net loans and leases to deposits | 76.0787% | 1,437 |
| Net loans and leases to core deposits | 80.6699% | 1,438 |
| Total domestic deposits to total assets | 85.9298% | 3,279 |
| Equity capital to assets | 12.1558% | 903 |
| Core capital (leverage) ratio | 13.0857% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2795% | 1,196 |
| Memoranda: | ||
| Average total assets | $591,805,000 | 1,522 |
| Average earning assets | $558,959,500 | 1,506 |
| Average equity | $75,124,000 | 1,256 |
| Average total loans | $388,358,500 | 1,402 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 1,923 |
| Cost of funding earning assets | 0.6431% | 438 |
| Net interest margin | 3.1357% | 2,780 |
| Noninterest income to average assets | 0.3935% | 3,085 |
| Noninterest expense to average assets | 2.1352% | 3,285 |
| Loan and lease loss provision to assets | -0.4324% | 4,813 |
| Net operating income to assets | 1.5487% | 918 |
| Return on assets (ROA) | 1.5686% | 908 |
| Pretax return on assets | 1.6336% | 1,326 |
| Return on Equity (ROE) | 13.1579% | 1,414 |
| Retained earnings to average equity (ytd only) | -2.9744% | 4,656 |
| Net charge-offs to loans | 0.0413% | 1,440 |
| Credit loss provision to net charge-offs | -1,573.0337% | 4,011 |
| Earnings coverage of net charge-offs (x) | 42.9438% | 1,396 |
| Efficiency ratio | 64.3968% | 2,501 |
| Assets per employee ($millions) | 6.5935% | 2,244 |
| Cash dividends to net income (ytd only)* | 122.6051% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 660 |
| Loan loss allowance to noncurrent loans | 598.8782% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,170 |
| Noncurrent loans to loans | 0.3255% | 2,421 |
| Net loans and leases to total assets | 63.3464% | 1,779 |
| Net loans and leases to deposits | 73.4641% | 1,773 |
| Net loans and leases to core deposits | 77.3854% | 1,812 |
| Total domestic deposits to total assets | 86.2278% | 2,828 |
| Equity capital to assets | 13.2294% | 842 |
| Core capital (leverage) ratio | 13.0273% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6865% | 1,120 |
| Memoranda: | ||
| Average total assets | $647,525,400 | 1,366 |
| Average earning assets | $603,440,800 | 1,373 |
| Average equity | $77,193,000 | 1,240 |
| Average total loans | $431,178,600 | 1,302 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 1,866 |
| Cost of funding earning assets | 0.7769% | 273 |
| Net interest margin | 3.0903% | 3,078 |
| Noninterest income to average assets | 0.3939% | 3,128 |
| Noninterest expense to average assets | 2.0980% | 3,370 |
| Loan and lease loss provision to assets | 0.0404% | 2,191 |
| Net operating income to assets | 1.0842% | 2,613 |
| Return on assets (ROA) | 1.1156% | 2,550 |
| Pretax return on assets | 1.1613% | 3,043 |
| Return on Equity (ROE) | 9.5941% | 2,886 |
| Retained earnings to average equity (ytd only) | -9.9254% | 4,847 |
| Net charge-offs to loans | -0.0403% | 4,258 |
| Credit loss provision to net charge-offs | -149.2537% | 3,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2178% | 2,354 |
| Assets per employee ($millions) | 6.6939% | 2,101 |
| Cash dividends to net income (ytd only)* | 203.4533% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9446% | 162 |
| Loan loss allowance to noncurrent loans | 682.1632% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 2,126 |
| Noncurrent loans to loans | 0.4316% | 2,263 |
| Net loans and leases to total assets | 59.6691% | 2,305 |
| Net loans and leases to deposits | 68.8532% | 2,349 |
| Net loans and leases to core deposits | 72.7462% | 2,346 |
| Total domestic deposits to total assets | 86.6614% | 2,485 |
| Equity capital to assets | 12.6534% | 1,107 |
| Core capital (leverage) ratio | 12.0220% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6884% | 1,195 |
| Memoranda: | ||
| Average total assets | $661,053,500 | 1,354 |
| Average earning assets | $614,603,000 | 1,360 |
| Average equity | $76,865,000 | 1,265 |
| Average total loans | $443,128,250 | 1,301 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 2,065 |
| Cost of funding earning assets | 0.4158% | 1,755 |
| Net interest margin | 3.3847% | 2,186 |
| Noninterest income to average assets | 0.4162% | 3,027 |
| Noninterest expense to average assets | 2.0187% | 3,640 |
| Loan and lease loss provision to assets | 0.0586% | 1,862 |
| Net operating income to assets | 1.4223% | 1,512 |
| Return on assets (ROA) | 1.4636% | 1,448 |
| Pretax return on assets | 1.5243% | 1,944 |
| Return on Equity (ROE) | 12.9190% | 1,748 |
| Retained earnings to average equity (ytd only) | -13.5550% | 4,895 |
| Net charge-offs to loans | -0.0542% | 4,410 |
| Credit loss provision to net charge-offs | -157.4803% | 3,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7289% | 3,443 |
| Assets per employee ($millions) | 7.5563% | 1,443 |
| Cash dividends to net income (ytd only)* | 204.9230% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5259% | 270 |
| Loan loss allowance to noncurrent loans | 758.0169% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 2,566 |
| Noncurrent loans to loans | 0.3332% | 2,718 |
| Net loans and leases to total assets | 62.5544% | 2,113 |
| Net loans and leases to deposits | 77.8850% | 1,642 |
| Net loans and leases to core deposits | 82.3400% | 1,696 |
| Total domestic deposits to total assets | 80.3164% | 4,185 |
| Equity capital to assets | 11.3952% | 1,703 |
| Core capital (leverage) ratio | 11.0033% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4713% | 1,810 |
| Memoranda: | ||
| Average total assets | $682,818,333 | 1,322 |
| Average earning assets | $633,903,000 | 1,326 |
| Average equity | $77,358,667 | 1,248 |
| Average total loans | $468,748,000 | 1,245 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 2,205 |
| Cost of funding earning assets | 0.4314% | 1,854 |
| Net interest margin | 3.3324% | 2,294 |
| Noninterest income to average assets | 0.4452% | 2,846 |
| Noninterest expense to average assets | 2.1060% | 3,407 |
| Loan and lease loss provision to assets | 0.0867% | 1,519 |
| Net operating income to assets | 1.2939% | 1,847 |
| Return on assets (ROA) | 1.3675% | 1,727 |
| Pretax return on assets | 1.4387% | 2,172 |
| Return on Equity (ROE) | 12.1047% | 1,983 |
| Retained earnings to average equity (ytd only) | -28.8414% | 4,944 |
| Net charge-offs to loans | -0.0564% | 4,441 |
| Credit loss provision to net charge-offs | -217.3913% | 2,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2581% | 3,119 |
| Assets per employee ($millions) | 7.4786% | 1,462 |
| Cash dividends to net income (ytd only)* | 338.2664% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 436 |
| Loan loss allowance to noncurrent loans | 464.3168% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,270 |
| Noncurrent loans to loans | 0.4687% | 2,447 |
| Net loans and leases to total assets | 68.2250% | 1,500 |
| Net loans and leases to deposits | 83.8092% | 1,167 |
| Net loans and leases to core deposits | 88.6964% | 1,318 |
| Total domestic deposits to total assets | 81.4051% | 4,004 |
| Equity capital to assets | 10.7031% | 2,077 |
| Core capital (leverage) ratio | 10.9227% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0732% | 2,261 |
| Memoranda: | ||
| Average total assets | $691,750,500 | 1,298 |
| Average earning assets | $645,295,500 | 1,300 |
| Average equity | $78,151,500 | 1,234 |
| Average total loans | $489,753,500 | 1,205 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 909 |
| Cost of funding earning assets | 0.7492% | 1,453 |
| Net interest margin | 3.9420% | 1,111 |
| Noninterest income to average assets | 0.5316% | 2,505 |
| Noninterest expense to average assets | 2.1800% | 3,719 |
| Loan and lease loss provision to assets | 0.3192% | 1,154 |
| Net operating income to assets | 1.6015% | 636 |
| Return on assets (ROA) | 1.6365% | 639 |
| Pretax return on assets | 1.7046% | 849 |
| Return on Equity (ROE) | 13.1789% | 998 |
| Retained earnings to average equity (ytd only) | 7.4917% | 1,199 |
| Net charge-offs to loans | 0.0869% | 1,596 |
| Credit loss provision to net charge-offs | 460.4966% | 1,318 |
| Earnings coverage of net charge-offs (x) | 28.6682% | 1,652 |
| Efficiency ratio | 52.3112% | 4,366 |
| Assets per employee ($millions) | 8.5064% | 893 |
| Cash dividends to net income (ytd only)* | 43.1536% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1365% | 460 |
| Loan loss allowance to noncurrent loans | 275.5602% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 1,716 |
| Noncurrent loans to loans | 0.7753% | 1,778 |
| Net loans and leases to total assets | 70.3545% | 1,510 |
| Net loans and leases to deposits | 89.4449% | 968 |
| Net loans and leases to core deposits | 95.6140% | 1,146 |
| Total domestic deposits to total assets | 78.6568% | 4,240 |
| Equity capital to assets | 11.9118% | 1,619 |
| Core capital (leverage) ratio | 11.8121% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7892% | 1,936 |
| Memoranda: | ||
| Average total assets | $639,028,200 | 1,276 |
| Average earning assets | $589,401,000 | 1,281 |
| Average equity | $79,354,400 | 1,168 |
| Average total loans | $510,072,000 | 1,119 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 342 |
| Cost of funding earning assets | 0.8256% | 1,378 |
| Net interest margin | 4.4762% | 401 |
| Noninterest income to average assets | 0.5114% | 2,559 |
| Noninterest expense to average assets | 2.1812% | 3,723 |
| Loan and lease loss provision to assets | 0.3052% | 1,321 |
| Net operating income to assets | 2.0449% | 269 |
| Return on assets (ROA) | 2.0901% | 265 |
| Pretax return on assets | 2.1798% | 357 |
| Return on Equity (ROE) | 16.5651% | 487 |
| Retained earnings to average equity (ytd only) | 12.8983% | 340 |
| Net charge-offs to loans | 0.0465% | 1,949 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 63.9056% | 1,057 |
| Efficiency ratio | 47.2218% | 4,651 |
| Assets per employee ($millions) | 7.0564% | 1,462 |
| Cash dividends to net income (ytd only)* | 22.1355% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 652 |
| Loan loss allowance to noncurrent loans | 305.4666% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 1,915 |
| Noncurrent loans to loans | 0.6051% | 2,288 |
| Net loans and leases to total assets | 79.2753% | 681 |
| Net loans and leases to deposits | 101.2111% | 487 |
| Net loans and leases to core deposits | 109.4207% | 720 |
| Total domestic deposits to total assets | 78.3267% | 4,148 |
| Equity capital to assets | 12.2289% | 1,561 |
| Core capital (leverage) ratio | 12.2743% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1658% | 2,123 |
| Memoranda: | ||
| Average total assets | $629,107,500 | 1,268 |
| Average earning assets | $577,317,750 | 1,282 |
| Average equity | $79,377,750 | 1,158 |
| Average total loans | $515,734,500 | 1,101 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 147 |
| Cost of funding earning assets | 0.8855% | 1,438 |
| Net interest margin | 5.1244% | 159 |
| Noninterest income to average assets | 0.5266% | 2,458 |
| Noninterest expense to average assets | 2.1778% | 3,858 |
| Loan and lease loss provision to assets | 0.2741% | 1,564 |
| Net operating income to assets | 2.6247% | 116 |
| Return on assets (ROA) | 2.6936% | 116 |
| Pretax return on assets | 2.8085% | 141 |
| Return on Equity (ROE) | 21.1088% | 195 |
| Retained earnings to average equity (ytd only) | 17.9767% | 122 |
| Net charge-offs to loans | 0.0629% | 1,614 |
| Credit loss provision to net charge-offs | 528.3019% | 1,185 |
| Earnings coverage of net charge-offs (x) | 58.0377% | 991 |
| Efficiency ratio | 41.9732% | 4,865 |
| Assets per employee ($millions) | 7.5507% | 1,149 |
| Cash dividends to net income (ytd only)* | 14.8377% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 909 |
| Loan loss allowance to noncurrent loans | 135.4788% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 894 |
| Noncurrent loans to loans | 1.2163% | 1,291 |
| Net loans and leases to total assets | 84.6863% | 207 |
| Net loans and leases to deposits | 108.1703% | 266 |
| Net loans and leases to core deposits | 117.3724% | 491 |
| Total domestic deposits to total assets | 78.2898% | 4,146 |
| Equity capital to assets | 12.2394% | 1,519 |
| Core capital (leverage) ratio | 12.1604% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5471% | 2,377 |
| Memoranda: | ||
| Average total assets | $613,003,667 | 1,272 |
| Average earning assets | $557,682,000 | 1,302 |
| Average equity | $78,223,333 | 1,163 |
| Average total loans | $505,266,000 | 1,107 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 759 |
| Cost of funding earning assets | 1.1086% | 1,018 |
| Net interest margin | 4.0179% | 1,339 |
| Noninterest income to average assets | 0.3962% | 3,130 |
| Noninterest expense to average assets | 2.2636% | 3,851 |
| Loan and lease loss provision to assets | 0.2262% | 1,371 |
| Net operating income to assets | 1.3898% | 1,011 |
| Return on assets (ROA) | 1.5280% | 798 |
| Pretax return on assets | 1.5931% | 1,068 |
| Return on Equity (ROE) | 11.6993% | 1,196 |
| Retained earnings to average equity (ytd only) | 11.6993% | 457 |
| Net charge-offs to loans | -0.0034% | 3,753 |
| Credit loss provision to net charge-offs | -8,250.0000% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4661% | 4,068 |
| Assets per employee ($millions) | 6.5794% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 580 |
| Loan loss allowance to noncurrent loans | 120.3090% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 715 |
| Noncurrent loans to loans | 1.5993% | 975 |
| Net loans and leases to total assets | 79.9817% | 700 |
| Net loans and leases to deposits | 105.2482% | 320 |
| Net loans and leases to core deposits | 115.5533% | 605 |
| Total domestic deposits to total assets | 75.9934% | 4,487 |
| Equity capital to assets | 13.1733% | 1,352 |
| Core capital (leverage) ratio | 13.3785% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8499% | 1,957 |
| Memoranda: | ||
| Average total assets | $583,500,000 | 1,287 |
| Average earning assets | $514,500,500 | 1,341 |
| Average equity | $76,210,000 | 1,183 |
| Average total loans | $468,581,000 | 1,152 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 927 |
| Cost of funding earning assets | 1.2048% | 1,015 |
| Net interest margin | 4.0273% | 1,764 |
| Noninterest income to average assets | 1.6821% | 341 |
| Noninterest expense to average assets | 2.3652% | 3,785 |
| Loan and lease loss provision to assets | 0.2188% | 891 |
| Net operating income to assets | 2.6823% | 105 |
| Return on assets (ROA) | 2.6865% | 110 |
| Pretax return on assets | 2.7924% | 128 |
| Return on Equity (ROE) | 22.8635% | 119 |
| Retained earnings to average equity (ytd only) | 13.3942% | 147 |
| Net charge-offs to loans | 0.2785% | 750 |
| Credit loss provision to net charge-offs | 92.1788% | 2,622 |
| Earnings coverage of net charge-offs (x) | 12.6669% | 2,403 |
| Efficiency ratio | 44.0275% | 4,978 |
| Assets per employee ($millions) | 6.3299% | 1,399 |
| Cash dividends to net income (ytd only)* | 41.4168% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 617 |
| Loan loss allowance to noncurrent loans | 204.1536% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 1,453 |
| Noncurrent loans to loans | 0.9009% | 1,707 |
| Net loans and leases to total assets | 77.4744% | 1,169 |
| Net loans and leases to deposits | 98.3653% | 729 |
| Net loans and leases to core deposits | 112.3596% | 739 |
| Total domestic deposits to total assets | 78.7619% | 4,228 |
| Equity capital to assets | 13.0908% | 1,465 |
| Core capital (leverage) ratio | 12.7731% | 1,344 |
| Tier 1 risk-based capital ratio | 13.7996% | 3,365 |
| Total risk-based capital ratio | 15.0533% | 3,274 |
| Memoranda: | ||
| Average total assets | $603,241,800 | 1,220 |
| Average earning assets | $552,727,800 | 1,227 |
| Average equity | $70,881,600 | 1,211 |
| Average total loans | $514,102,000 | 1,050 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 972 |
| Cost of funding earning assets | 1.1863% | 1,070 |
| Net interest margin | 4.0466% | 1,782 |
| Noninterest income to average assets | 1.6610% | 347 |
| Noninterest expense to average assets | 2.3387% | 3,854 |
| Loan and lease loss provision to assets | 0.2169% | 793 |
| Net operating income to assets | 2.7409% | 113 |
| Return on assets (ROA) | 2.7430% | 119 |
| Pretax return on assets | 2.8605% | 136 |
| Return on Equity (ROE) | 23.9997% | 109 |
| Retained earnings to average equity (ytd only) | 16.0701% | 104 |
| Net charge-offs to loans | 0.0167% | 2,810 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 212.6310% | 424 |
| Efficiency ratio | 43.1983% | 5,040 |
| Assets per employee ($millions) | 6.4455% | 1,302 |
| Cash dividends to net income (ytd only)* | 33.0404% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 232 |
| Loan loss allowance to noncurrent loans | 258.0508% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 1,498 |
| Noncurrent loans to loans | 0.9519% | 1,693 |
| Net loans and leases to total assets | 76.1209% | 1,457 |
| Net loans and leases to deposits | 95.7518% | 1,046 |
| Net loans and leases to core deposits | 110.7688% | 912 |
| Total domestic deposits to total assets | 79.4981% | 4,089 |
| Equity capital to assets | 12.5346% | 1,889 |
| Core capital (leverage) ratio | 13.3978% | 1,171 |
| Tier 1 risk-based capital ratio | 13.4943% | 3,575 |
| Total risk-based capital ratio | 14.7545% | 3,477 |
| Memoranda: | ||
| Average total assets | $608,464,750 | 1,212 |
| Average earning assets | $564,317,500 | 1,212 |
| Average equity | $69,543,500 | 1,227 |
| Average total loans | $527,721,000 | 1,020 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 1,137 |
| Cost of funding earning assets | 1.1275% | 1,206 |
| Net interest margin | 4.0081% | 1,896 |
| Noninterest income to average assets | 0.3752% | 3,432 |
| Noninterest expense to average assets | 2.2928% | 4,022 |
| Loan and lease loss provision to assets | 0.2159% | 779 |
| Net operating income to assets | 1.5649% | 978 |
| Return on assets (ROA) | 1.5696% | 1,014 |
| Pretax return on assets | 1.6364% | 1,436 |
| Return on Equity (ROE) | 14.1816% | 940 |
| Retained earnings to average equity (ytd only) | 4.8937% | 2,823 |
| Net charge-offs to loans | 0.0128% | 2,678 |
| Credit loss provision to net charge-offs | 1,885.7143% | 201 |
| Earnings coverage of net charge-offs (x) | 161.3714% | 464 |
| Efficiency ratio | 55.3800% | 4,330 |
| Assets per employee ($millions) | 6.0382% | 1,516 |
| Cash dividends to net income (ytd only)* | 65.4928% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 449 |
| Loan loss allowance to noncurrent loans | 241.9369% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 1,558 |
| Noncurrent loans to loans | 0.8407% | 1,916 |
| Net loans and leases to total assets | 85.8467% | 227 |
| Net loans and leases to deposits | 100.3361% | 647 |
| Net loans and leases to core deposits | 116.1167% | 683 |
| Total domestic deposits to total assets | 85.5591% | 2,243 |
| Equity capital to assets | 10.8896% | 3,187 |
| Core capital (leverage) ratio | 11.0075% | 2,593 |
| Tier 1 risk-based capital ratio | 10.7503% | 5,018 |
| Total risk-based capital ratio | 12.0068% | 4,927 |
| Memoranda: | ||
| Average total assets | $611,477,330 | 1,207 |
| Average earning assets | $574,388,000 | 1,198 |
| Average equity | $67,679,330 | 1,242 |
| Average total loans | $547,701,330 | 988 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 1,306 |
| Cost of funding earning assets | 1.0528% | 1,370 |
| Net interest margin | 3.9615% | 1,979 |
| Noninterest income to average assets | 0.3130% | 3,767 |
| Noninterest expense to average assets | 2.2479% | 4,152 |
| Loan and lease loss provision to assets | 0.2188% | 713 |
| Net operating income to assets | 1.5370% | 1,037 |
| Return on assets (ROA) | 1.5828% | 958 |
| Pretax return on assets | 1.6491% | 1,349 |
| Return on Equity (ROE) | 14.1815% | 929 |
| Retained earnings to average equity (ytd only) | 7.0819% | 2,003 |
| Net charge-offs to loans | 0.0249% | 1,950 |
| Credit loss provision to net charge-offs | 970.5882% | 385 |
| Earnings coverage of net charge-offs (x) | 80.7353% | 767 |
| Efficiency ratio | 55.2567% | 4,412 |
| Assets per employee ($millions) | 5.9006% | 1,622 |
| Cash dividends to net income (ytd only)* | 50.0628% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 540 |
| Loan loss allowance to noncurrent loans | 217.2400% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 1,613 |
| Noncurrent loans to loans | 0.9032% | 1,852 |
| Net loans and leases to total assets | 89.2952% | 63 |
| Net loans and leases to deposits | 106.3613% | 313 |
| Net loans and leases to core deposits | 122.3361% | 470 |
| Total domestic deposits to total assets | 83.9546% | 3,060 |
| Equity capital to assets | 11.1887% | 2,668 |
| Core capital (leverage) ratio | 11.2589% | 2,333 |
| Tier 1 risk-based capital ratio | 10.6929% | 5,116 |
| Total risk-based capital ratio | 11.9487% | 5,010 |
| Memoranda: | ||
| Average total assets | $603,229,000 | 1,217 |
| Average earning assets | $571,802,000 | 1,204 |
| Average equity | $67,327,000 | 1,242 |
| Average total loans | $546,408,500 | 995 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 1,315 |
| Cost of funding earning assets | 0.7908% | 1,572 |
| Net interest margin | 4.0996% | 1,680 |
| Noninterest income to average assets | 0.5143% | 2,754 |
| Noninterest expense to average assets | 2.4001% | 3,879 |
| Loan and lease loss provision to assets | 0.2308% | 773 |
| Net operating income to assets | 1.6694% | 738 |
| Return on assets (ROA) | 1.6700% | 734 |
| Pretax return on assets | 1.7440% | 1,060 |
| Return on Equity (ROE) | 15.0435% | 820 |
| Retained earnings to average equity (ytd only) | 10.1214% | 598 |
| Net charge-offs to loans | 0.1031% | 1,726 |
| Credit loss provision to net charge-offs | 252.3901% | 1,181 |
| Earnings coverage of net charge-offs (x) | 21.5870% | 1,935 |
| Efficiency ratio | 54.8689% | 4,536 |
| Assets per employee ($millions) | 5.9277% | 1,569 |
| Cash dividends to net income (ytd only)* | 32.7191% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 508 |
| Loan loss allowance to noncurrent loans | 274.2538% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 1,982 |
| Noncurrent loans to loans | 0.7145% | 2,202 |
| Net loans and leases to total assets | 88.3062% | 105 |
| Net loans and leases to deposits | 107.3916% | 325 |
| Net loans and leases to core deposits | 118.8674% | 584 |
| Total domestic deposits to total assets | 82.2282% | 3,581 |
| Equity capital to assets | 11.1331% | 2,574 |
| Core capital (leverage) ratio | 11.1261% | 2,419 |
| Tier 1 risk-based capital ratio | 11.0207% | 4,970 |
| Total risk-based capital ratio | 12.2770% | 4,857 |
| Memoranda: | ||
| Average total assets | $571,900,800 | 1,245 |
| Average earning assets | $538,463,800 | 1,234 |
| Average equity | $63,489,400 | 1,257 |
| Average total loans | $507,443,000 | 1,035 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 1,418 |
| Cost of funding earning assets | 0.7224% | 1,739 |
| Net interest margin | 4.0809% | 1,689 |
| Noninterest income to average assets | 0.4850% | 2,948 |
| Noninterest expense to average assets | 2.4095% | 3,834 |
| Loan and lease loss provision to assets | 0.2335% | 693 |
| Net operating income to assets | 1.6103% | 945 |
| Return on assets (ROA) | 1.6112% | 947 |
| Pretax return on assets | 1.6820% | 1,322 |
| Return on Equity (ROE) | 14.5242% | 977 |
| Retained earnings to average equity (ytd only) | 10.2712% | 832 |
| Net charge-offs to loans | -0.0013% | 4,040 |
| Credit loss provision to net charge-offs | -19,800.0000% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7229% | 4,415 |
| Assets per employee ($millions) | 5.9158% | 1,558 |
| Cash dividends to net income (ytd only)* | 29.2826% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0403% | 454 |
| Loan loss allowance to noncurrent loans | 155.2351% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 1,122 |
| Noncurrent loans to loans | 1.3143% | 1,269 |
| Net loans and leases to total assets | 88.2439% | 132 |
| Net loans and leases to deposits | 104.5427% | 519 |
| Net loans and leases to core deposits | 116.9528% | 670 |
| Total domestic deposits to total assets | 84.4094% | 2,809 |
| Equity capital to assets | 11.0939% | 2,584 |
| Core capital (leverage) ratio | 11.2483% | 2,380 |
| Tier 1 risk-based capital ratio | 11.2842% | 4,907 |
| Total risk-based capital ratio | 12.5419% | 4,798 |
| Memoranda: | ||
| Average total assets | $565,201,000 | 1,259 |
| Average earning assets | $531,705,750 | 1,248 |
| Average equity | $62,698,250 | 1,276 |
| Average total loans | $499,489,750 | 1,050 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,536 |
| Cost of funding earning assets | 0.6809% | 1,733 |
| Net interest margin | 4.0056% | 1,838 |
| Noninterest income to average assets | 0.4810% | 2,971 |
| Noninterest expense to average assets | 2.4274% | 3,833 |
| Loan and lease loss provision to assets | 0.2364% | 670 |
| Net operating income to assets | 1.5119% | 1,127 |
| Return on assets (ROA) | 1.5119% | 1,127 |
| Pretax return on assets | 1.5781% | 1,574 |
| Return on Equity (ROE) | 13.6293% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.4317% | 1,086 |
| Net charge-offs to loans | -0.0012% | 3,906 |
| Credit loss provision to net charge-offs | -22,000.0000% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2237% | 4,334 |
| Assets per employee ($millions) | 5.7759% | 1,655 |
| Cash dividends to net income (ytd only)* | 30.7984% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 470 |
| Loan loss allowance to noncurrent loans | 135.2171% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 967 |
| Noncurrent loans to loans | 1.5206% | 1,099 |
| Net loans and leases to total assets | 86.9020% | 203 |
| Net loans and leases to deposits | 100.7596% | 757 |
| Net loans and leases to core deposits | 111.8890% | 893 |
| Total domestic deposits to total assets | 86.2469% | 2,167 |
| Equity capital to assets | 11.0454% | 2,593 |
| Core capital (leverage) ratio | 11.2019% | 2,347 |
| Tier 1 risk-based capital ratio | 11.3128% | 4,891 |
| Total risk-based capital ratio | 12.5707% | 4,782 |
| Memoranda: | ||
| Average total assets | $558,380,670 | 1,275 |
| Average earning assets | $524,271,000 | 1,262 |
| Average equity | $61,940,000 | 1,288 |
| Average total loans | $490,128,000 | 1,070 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,513 |
| Cost of funding earning assets | 0.6259% | 1,872 |
| Net interest margin | 3.9931% | 1,747 |
| Noninterest income to average assets | 0.4408% | 3,178 |
| Noninterest expense to average assets | 2.4580% | 3,787 |
| Loan and lease loss provision to assets | 0.2393% | 638 |
| Net operating income to assets | 1.4241% | 1,273 |
| Return on assets (ROA) | 1.4241% | 1,279 |
| Pretax return on assets | 1.4857% | 1,713 |
| Return on Equity (ROE) | 12.8093% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.8093% | 548 |
| Net charge-offs to loans | -0.0017% | 3,794 |
| Credit loss provision to net charge-offs | -16,500.0000% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7624% | 4,258 |
| Assets per employee ($millions) | 5.6451% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 514 |
| Loan loss allowance to noncurrent loans | 268.7417% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 2,139 |
| Noncurrent loans to loans | 0.7543% | 2,318 |
| Net loans and leases to total assets | 86.4935% | 225 |
| Net loans and leases to deposits | 105.3051% | 414 |
| Net loans and leases to core deposits | 117.4068% | 675 |
| Total domestic deposits to total assets | 82.1361% | 3,917 |
| Equity capital to assets | 11.0254% | 2,551 |
| Core capital (leverage) ratio | 11.3975% | 2,090 |
| Tier 1 risk-based capital ratio | 10.8874% | 5,195 |
| Total risk-based capital ratio | 12.1442% | 5,096 |
| Memoranda: | ||
| Average total assets | $551,664,000 | 1,298 |
| Average earning assets | $516,991,000 | 1,291 |
| Average equity | $61,330,500 | 1,300 |
| Average total loans | $481,517,000 | 1,094 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,497 |
| Cost of funding earning assets | 0.5744% | 1,785 |
| Net interest margin | 4.0028% | 1,747 |
| Noninterest income to average assets | 0.4524% | 3,295 |
| Noninterest expense to average assets | 2.2914% | 4,356 |
| Loan and lease loss provision to assets | 0.2456% | 771 |
| Net operating income to assets | 1.5964% | 658 |
| Return on assets (ROA) | 1.5971% | 671 |
| Pretax return on assets | 1.6704% | 1,094 |
| Return on Equity (ROE) | 14.5278% | 684 |
| Retained earnings to average equity (ytd only) | 5.0356% | 2,104 |
| Net charge-offs to loans | 0.1386% | 1,681 |
| Credit loss provision to net charge-offs | 204.0185% | 1,340 |
| Earnings coverage of net charge-offs (x) | 15.9088% | 2,214 |
| Efficiency ratio | 54.4699% | 4,913 |
| Assets per employee ($millions) | 5.5548% | 1,886 |
| Cash dividends to net income (ytd only)* | 65.3385% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1024% | 442 |
| Loan loss allowance to noncurrent loans | 257.8933% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 2,037 |
| Noncurrent loans to loans | 0.8152% | 2,170 |
| Net loans and leases to total assets | 84.4252% | 405 |
| Net loans and leases to deposits | 99.9908% | 728 |
| Net loans and leases to core deposits | 109.1008% | 1,057 |
| Total domestic deposits to total assets | 84.4330% | 3,061 |
| Equity capital to assets | 11.2138% | 2,415 |
| Core capital (leverage) ratio | 11.1342% | 2,212 |
| Tier 1 risk-based capital ratio | 11.2510% | 5,014 |
| Total risk-based capital ratio | 12.5083% | 4,884 |
| Memoranda: | ||
| Average total assets | $537,408,600 | 1,304 |
| Average earning assets | $504,045,800 | 1,290 |
| Average equity | $59,079,800 | 1,325 |
| Average total loans | $466,814,400 | 1,091 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,501 |
| Cost of funding earning assets | 0.5678% | 1,756 |
| Net interest margin | 3.9831% | 1,769 |
| Noninterest income to average assets | 0.4556% | 3,306 |
| Noninterest expense to average assets | 2.3207% | 4,242 |
| Loan and lease loss provision to assets | 0.2458% | 702 |
| Net operating income to assets | 1.5566% | 793 |
| Return on assets (ROA) | 1.5576% | 809 |
| Pretax return on assets | 1.6288% | 1,318 |
| Return on Equity (ROE) | 14.2399% | 782 |
| Retained earnings to average equity (ytd only) | 5.6152% | 2,475 |
| Net charge-offs to loans | 0.0950% | 1,843 |
| Credit loss provision to net charge-offs | 297.2973% | 998 |
| Earnings coverage of net charge-offs (x) | 22.6636% | 1,849 |
| Efficiency ratio | 55.3300% | 4,811 |
| Assets per employee ($millions) | 5.3970% | 2,023 |
| Cash dividends to net income (ytd only)* | 60.5675% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 475 |
| Loan loss allowance to noncurrent loans | 233.5489% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 2,039 |
| Noncurrent loans to loans | 0.9046% | 2,121 |
| Net loans and leases to total assets | 84.5713% | 381 |
| Net loans and leases to deposits | 100.3275% | 721 |
| Net loans and leases to core deposits | 112.4129% | 908 |
| Total domestic deposits to total assets | 84.2952% | 2,999 |
| Equity capital to assets | 11.2399% | 2,627 |
| Core capital (leverage) ratio | 11.2670% | 2,211 |
| Tier 1 risk-based capital ratio | 11.0452% | 5,222 |
| Total risk-based capital ratio | 12.3023% | 5,105 |
| Memoranda: | ||
| Average total assets | $537,055,750 | 1,318 |
| Average earning assets | $504,115,750 | 1,298 |
| Average equity | $58,744,250 | 1,345 |
| Average total loans | $467,350,750 | 1,098 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 1,521 |
| Cost of funding earning assets | 0.5637% | 1,689 |
| Net interest margin | 3.9316% | 1,836 |
| Noninterest income to average assets | 0.4335% | 3,462 |
| Noninterest expense to average assets | 2.2585% | 4,445 |
| Loan and lease loss provision to assets | 0.2454% | 684 |
| Net operating income to assets | 1.5651% | 761 |
| Return on assets (ROA) | 1.5651% | 784 |
| Pretax return on assets | 1.6399% | 1,228 |
| Return on Equity (ROE) | 14.4407% | 748 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,299 |
| Net charge-offs to loans | 0.0452% | 2,307 |
| Credit loss provision to net charge-offs | 622.6415% | 551 |
| Earnings coverage of net charge-offs (x) | 47.8396% | 1,108 |
| Efficiency ratio | 54.5039% | 4,973 |
| Assets per employee ($millions) | 5.4067% | 1,956 |
| Cash dividends to net income (ytd only)* | 60.5701% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0903% | 520 |
| Loan loss allowance to noncurrent loans | 293.0459% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 2,482 |
| Noncurrent loans to loans | 0.7133% | 2,613 |
| Net loans and leases to total assets | 86.1878% | 259 |
| Net loans and leases to deposits | 102.3520% | 591 |
| Net loans and leases to core deposits | 111.5985% | 924 |
| Total domestic deposits to total assets | 84.2073% | 3,122 |
| Equity capital to assets | 11.3101% | 2,485 |
| Core capital (leverage) ratio | 10.7885% | 2,612 |
| Tier 1 risk-based capital ratio | 10.9688% | 5,266 |
| Total risk-based capital ratio | 12.2258% | 5,165 |
| Memoranda: | ||
| Average total assets | $537,973,670 | 1,324 |
| Average earning assets | $507,683,670 | 1,301 |
| Average equity | $58,307,330 | 1,356 |
| Average total loans | $469,261,330 | 1,095 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 1,548 |
| Cost of funding earning assets | 0.5496% | 1,714 |
| Net interest margin | 3.8838% | 1,836 |
| Noninterest income to average assets | 0.4619% | 3,239 |
| Noninterest expense to average assets | 2.2154% | 4,599 |
| Loan and lease loss provision to assets | 0.2423% | 633 |
| Net operating income to assets | 1.5905% | 690 |
| Return on assets (ROA) | 1.5905% | 705 |
| Pretax return on assets | 1.6676% | 1,073 |
| Return on Equity (ROE) | 14.9888% | 645 |
| Retained earnings to average equity (ytd only) | 3.5707% | 3,656 |
| Net charge-offs to loans | -0.0025% | 4,034 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7024% | 5,159 |
| Assets per employee ($millions) | 5.5221% | 1,865 |
| Cash dividends to net income (ytd only)* | 76.1773% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 641 |
| Loan loss allowance to noncurrent loans | 273.2754% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,491 |
| Noncurrent loans to loans | 0.7417% | 2,638 |
| Net loans and leases to total assets | 85.0756% | 281 |
| Net loans and leases to deposits | 100.2923% | 597 |
| Net loans and leases to core deposits | 112.0634% | 770 |
| Total domestic deposits to total assets | 84.8277% | 3,153 |
| Equity capital to assets | 10.8444% | 2,805 |
| Core capital (leverage) ratio | 10.5768% | 2,815 |
| Tier 1 risk-based capital ratio | 10.6516% | 5,485 |
| Total risk-based capital ratio | 11.9078% | 5,394 |
| Memoranda: | ||
| Average total assets | $544,735,000 | 1,312 |
| Average earning assets | $513,824,000 | 1,287 |
| Average equity | $57,803,000 | 1,360 |
| Average total loans | $473,060,500 | 1,084 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 1,568 |
| Cost of funding earning assets | 0.5523% | 1,667 |
| Net interest margin | 3.9362% | 1,829 |
| Noninterest income to average assets | 0.5198% | 3,101 |
| Noninterest expense to average assets | 2.4147% | 4,266 |
| Loan and lease loss provision to assets | 0.2433% | 867 |
| Net operating income to assets | 1.5127% | 815 |
| Return on assets (ROA) | 1.5142% | 834 |
| Pretax return on assets | 1.5796% | 1,342 |
| Return on Equity (ROE) | 14.6110% | 688 |
| Retained earnings to average equity (ytd only) | 6.7568% | 1,329 |
| Net charge-offs to loans | 0.1972% | 1,406 |
| Credit loss provision to net charge-offs | 141.4791% | 1,936 |
| Earnings coverage of net charge-offs (x) | 10.5916% | 2,628 |
| Efficiency ratio | 57.0030% | 4,952 |
| Assets per employee ($millions) | 5.5942% | 1,791 |
| Cash dividends to net income (ytd only)* | 53.7553% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 822 |
| Loan loss allowance to noncurrent loans | 245.3074% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 2,538 |
| Noncurrent loans to loans | 0.7709% | 2,599 |
| Net loans and leases to total assets | 85.2063% | 282 |
| Net loans and leases to deposits | 99.8145% | 682 |
| Net loans and leases to core deposits | 112.1428% | 778 |
| Total domestic deposits to total assets | 85.3646% | 2,896 |
| Equity capital to assets | 10.3857% | 3,290 |
| Core capital (leverage) ratio | 10.0880% | 3,380 |
| Tier 1 risk-based capital ratio | 10.6037% | 5,529 |
| Total risk-based capital ratio | 11.8593% | 5,448 |
| Memoranda: | ||
| Average total assets | $542,544,400 | 1,278 |
| Average earning assets | $512,243,000 | 1,252 |
| Average equity | $56,224,800 | 1,369 |
| Average total loans | $473,157,800 | 1,021 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 1,538 |
| Cost of funding earning assets | 0.5448% | 1,749 |
| Net interest margin | 3.9574% | 1,787 |
| Noninterest income to average assets | 0.5669% | 2,835 |
| Noninterest expense to average assets | 2.4405% | 4,163 |
| Loan and lease loss provision to assets | 0.2446% | 782 |
| Net operating income to assets | 1.5589% | 785 |
| Return on assets (ROA) | 1.5608% | 822 |
| Pretax return on assets | 1.6238% | 1,323 |
| Return on Equity (ROE) | 15.0691% | 658 |
| Retained earnings to average equity (ytd only) | 6.8572% | 1,696 |
| Net charge-offs to loans | 0.2617% | 895 |
| Credit loss provision to net charge-offs | 107.0270% | 2,254 |
| Earnings coverage of net charge-offs (x) | 8.1676% | 2,801 |
| Efficiency ratio | 56.6651% | 5,000 |
| Assets per employee ($millions) | 5.6437% | 1,722 |
| Cash dividends to net income (ytd only)* | 54.4951% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 913 |
| Loan loss allowance to noncurrent loans | 175.1293% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9604% | 2,156 |
| Noncurrent loans to loans | 1.0620% | 2,123 |
| Net loans and leases to total assets | 83.1303% | 498 |
| Net loans and leases to deposits | 97.1481% | 941 |
| Net loans and leases to core deposits | 111.1888% | 854 |
| Total domestic deposits to total assets | 85.5707% | 2,570 |
| Equity capital to assets | 10.1870% | 3,932 |
| Core capital (leverage) ratio | 10.3046% | 3,224 |
| Tier 1 risk-based capital ratio | 10.3308% | 5,690 |
| Total risk-based capital ratio | 11.5856% | 5,610 |
| Memoranda: | ||
| Average total assets | $539,723,000 | 1,286 |
| Average earning assets | $510,058,500 | 1,260 |
| Average equity | $55,901,250 | 1,382 |
| Average total loans | $471,198,750 | 1,026 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,442 |
| Cost of funding earning assets | 0.5384% | 1,788 |
| Net interest margin | 3.9893% | 1,676 |
| Noninterest income to average assets | 0.5283% | 3,014 |
| Noninterest expense to average assets | 2.4477% | 4,193 |
| Loan and lease loss provision to assets | 0.2475% | 786 |
| Net operating income to assets | 1.5427% | 823 |
| Return on assets (ROA) | 1.5456% | 857 |
| Pretax return on assets | 1.6063% | 1,361 |
| Return on Equity (ROE) | 14.8373% | 693 |
| Retained earnings to average equity (ytd only) | 6.2236% | 2,004 |
| Net charge-offs to loans | 0.0153% | 3,225 |
| Credit loss provision to net charge-offs | 1,833.3333% | 223 |
| Earnings coverage of net charge-offs (x) | 137.1111% | 438 |
| Efficiency ratio | 56.9435% | 5,034 |
| Assets per employee ($millions) | 5.3349% | 1,949 |
| Cash dividends to net income (ytd only)* | 58.0543% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 776 |
| Loan loss allowance to noncurrent loans | 142.9469% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 1,574 |
| Noncurrent loans to loans | 1.3818% | 1,618 |
| Net loans and leases to total assets | 86.8185% | 200 |
| Net loans and leases to deposits | 103.4908% | 481 |
| Net loans and leases to core deposits | 119.3320% | 534 |
| Total domestic deposits to total assets | 83.8900% | 3,313 |
| Equity capital to assets | 10.5108% | 3,622 |
| Core capital (leverage) ratio | 10.2269% | 3,301 |
| Tier 1 risk-based capital ratio | 10.4808% | 5,679 |
| Total risk-based capital ratio | 11.7375% | 5,591 |
| Memoranda: | ||
| Average total assets | $533,389,670 | 1,306 |
| Average earning assets | $504,104,330 | 1,275 |
| Average equity | $55,562,670 | 1,393 |
| Average total loans | $470,508,330 | 1,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,446 |
| Cost of funding earning assets | 0.5173% | 1,968 |
| Net interest margin | 4.0049% | 1,595 |
| Noninterest income to average assets | 0.4642% | 3,385 |
| Noninterest expense to average assets | 2.4630% | 4,192 |
| Loan and lease loss provision to assets | 0.2475% | 715 |
| Net operating income to assets | 1.4925% | 872 |
| Return on assets (ROA) | 1.4925% | 913 |
| Pretax return on assets | 1.5397% | 1,470 |
| Return on Equity (ROE) | 14.3924% | 764 |
| Retained earnings to average equity (ytd only) | 13.9151% | 325 |
| Net charge-offs to loans | -0.0315% | 5,089 |
| Credit loss provision to net charge-offs | -891.8919% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9495% | 5,005 |
| Assets per employee ($millions) | 5.2812% | 2,050 |
| Cash dividends to net income (ytd only)* | 3.3166% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 933 |
| Loan loss allowance to noncurrent loans | 438.8781% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,784 |
| Noncurrent loans to loans | 0.4384% | 3,869 |
| Net loans and leases to total assets | 86.7304% | 178 |
| Net loans and leases to deposits | 104.8348% | 374 |
| Net loans and leases to core deposits | 123.5489% | 379 |
| Total domestic deposits to total assets | 82.7306% | 3,993 |
| Equity capital to assets | 10.5521% | 3,427 |
| Core capital (leverage) ratio | 10.2875% | 3,210 |
| Tier 1 risk-based capital ratio | 10.7927% | 5,611 |
| Total risk-based capital ratio | 12.0493% | 5,510 |
| Memoranda: | ||
| Average total assets | $533,340,000 | 1,303 |
| Average earning assets | $504,176,500 | 1,277 |
| Average equity | $55,307,000 | 1,394 |
| Average total loans | $469,512,500 | 1,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 1,559 |
| Cost of funding earning assets | 0.4826% | 2,332 |
| Net interest margin | 4.0276% | 1,623 |
| Noninterest income to average assets | 0.5237% | 3,176 |
| Noninterest expense to average assets | 2.4622% | 4,350 |
| Loan and lease loss provision to assets | 0.2519% | 753 |
| Net operating income to assets | 1.5371% | 803 |
| Return on assets (ROA) | 1.5655% | 781 |
| Pretax return on assets | 1.6309% | 1,165 |
| Return on Equity (ROE) | 15.4775% | 614 |
| Retained earnings to average equity (ytd only) | 7.5397% | 1,082 |
| Net charge-offs to loans | 0.0216% | 3,838 |
| Credit loss provision to net charge-offs | 1,346.9388% | 251 |
| Earnings coverage of net charge-offs (x) | 99.0918% | 579 |
| Efficiency ratio | 57.0557% | 5,252 |
| Assets per employee ($millions) | 5.3328% | 1,969 |
| Cash dividends to net income (ytd only)* | 51.2861% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 1,026 |
| Loan loss allowance to noncurrent loans | 380.3057% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 3,665 |
| Noncurrent loans to loans | 0.4900% | 3,735 |
| Net loans and leases to total assets | 85.9999% | 233 |
| Net loans and leases to deposits | 108.5643% | 281 |
| Net loans and leases to core deposits | 123.4551% | 393 |
| Total domestic deposits to total assets | 79.2156% | 4,923 |
| Equity capital to assets | 10.1877% | 3,762 |
| Core capital (leverage) ratio | 10.0414% | 3,453 |
| Tier 1 risk-based capital ratio | 10.2195% | 5,887 |
| Total risk-based capital ratio | 11.4749% | 5,811 |
| Memoranda: | ||
| Average total assets | $523,998,200 | 1,290 |
| Average earning assets | $493,320,800 | 1,265 |
| Average equity | $52,999,400 | 1,407 |
| Average total loans | $454,274,800 | 1,015 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,587 |
| Cost of funding earning assets | 0.4990% | 2,223 |
| Net interest margin | 4.0032% | 1,688 |
| Noninterest income to average assets | 0.5298% | 3,166 |
| Noninterest expense to average assets | 2.3953% | 4,524 |
| Loan and lease loss provision to assets | 0.2530% | 675 |
| Net operating income to assets | 1.5830% | 801 |
| Return on assets (ROA) | 1.5940% | 813 |
| Pretax return on assets | 1.6597% | 1,212 |
| Return on Equity (ROE) | 15.7894% | 623 |
| Retained earnings to average equity (ytd only) | 9.0377% | 889 |
| Net charge-offs to loans | 0.0216% | 3,500 |
| Credit loss provision to net charge-offs | 1,356.1644% | 273 |
| Earnings coverage of net charge-offs (x) | 101.9051% | 613 |
| Efficiency ratio | 55.4994% | 5,407 |
| Assets per employee ($millions) | 5.4495% | 1,826 |
| Cash dividends to net income (ytd only)* | 42.7609% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 1,202 |
| Loan loss allowance to noncurrent loans | 345.4172% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,691 |
| Noncurrent loans to loans | 0.5300% | 3,754 |
| Net loans and leases to total assets | 86.1437% | 223 |
| Net loans and leases to deposits | 106.6037% | 346 |
| Net loans and leases to core deposits | 122.0640% | 422 |
| Total domestic deposits to total assets | 80.8074% | 4,521 |
| Equity capital to assets | 10.3314% | 3,777 |
| Core capital (leverage) ratio | 9.9995% | 3,623 |
| Tier 1 risk-based capital ratio | 10.4194% | 5,910 |
| Total risk-based capital ratio | 11.6745% | 5,848 |
| Memoranda: | ||
| Average total assets | $521,677,500 | 1,302 |
| Average earning assets | $490,861,000 | 1,279 |
| Average equity | $52,667,000 | 1,423 |
| Average total loans | $451,011,000 | 1,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 1,700 |
| Cost of funding earning assets | 0.5005% | 2,249 |
| Net interest margin | 3.9462% | 1,828 |
| Noninterest income to average assets | 0.5265% | 3,192 |
| Noninterest expense to average assets | 2.3880% | 4,586 |
| Loan and lease loss provision to assets | 0.2533% | 683 |
| Net operating income to assets | 1.5353% | 849 |
| Return on assets (ROA) | 1.5518% | 858 |
| Pretax return on assets | 1.6121% | 1,296 |
| Return on Equity (ROE) | 15.4924% | 667 |
| Retained earnings to average equity (ytd only) | 8.6005% | 1,041 |
| Net charge-offs to loans | 0.0700% | 2,392 |
| Credit loss provision to net charge-offs | 420.3822% | 714 |
| Earnings coverage of net charge-offs (x) | 30.6752% | 1,347 |
| Efficiency ratio | 56.1192% | 5,417 |
| Assets per employee ($millions) | 5.6874% | 1,582 |
| Cash dividends to net income (ytd only)* | 44.4857% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 1,546 |
| Loan loss allowance to noncurrent loans | 310.4118% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 3,755 |
| Noncurrent loans to loans | 0.5567% | 3,784 |
| Net loans and leases to total assets | 85.9059% | 245 |
| Net loans and leases to deposits | 108.3128% | 295 |
| Net loans and leases to core deposits | 130.8216% | 258 |
| Total domestic deposits to total assets | 79.3128% | 5,022 |
| Equity capital to assets | 9.9977% | 4,045 |
| Core capital (leverage) ratio | 9.8731% | 3,773 |
| Tier 1 risk-based capital ratio | 10.0650% | 6,067 |
| Total risk-based capital ratio | 11.3189% | 6,014 |
| Memoranda: | ||
| Average total assets | $521,185,000 | 1,308 |
| Average earning assets | $489,933,670 | 1,294 |
| Average equity | $52,206,330 | 1,445 |
| Average total loans | $448,325,000 | 1,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 1,671 |
| Cost of funding earning assets | 0.5109% | 2,193 |
| Net interest margin | 3.9151% | 1,838 |
| Noninterest income to average assets | 0.5250% | 3,120 |
| Noninterest expense to average assets | 2.4210% | 4,540 |
| Loan and lease loss provision to assets | 0.2552% | 639 |
| Net operating income to assets | 1.4763% | 889 |
| Return on assets (ROA) | 1.5093% | 884 |
| Pretax return on assets | 1.5565% | 1,371 |
| Return on Equity (ROE) | 15.0533% | 698 |
| Retained earnings to average equity (ytd only) | 15.0533% | 277 |
| Net charge-offs to loans | -0.0091% | 4,678 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4033% | 5,402 |
| Assets per employee ($millions) | 5.4034% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 1,534 |
| Loan loss allowance to noncurrent loans | 229.0606% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7495% | 3,245 |
| Noncurrent loans to loans | 0.7781% | 3,308 |
| Net loans and leases to total assets | 84.9139% | 255 |
| Net loans and leases to deposits | 104.0498% | 367 |
| Net loans and leases to core deposits | 123.8772% | 328 |
| Total domestic deposits to total assets | 81.6088% | 4,635 |
| Equity capital to assets | 10.4217% | 3,619 |
| Core capital (leverage) ratio | 9.9313% | 3,696 |
| Tier 1 risk-based capital ratio | 10.2092% | 6,110 |
| Total risk-based capital ratio | 11.3858% | 6,079 |
| Memoranda: | ||
| Average total assets | $517,311,500 | 1,325 |
| Average earning assets | $485,407,500 | 1,306 |
| Average equity | $51,869,000 | 1,459 |
| Average total loans | $441,300,500 | 1,048 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,462 |
| Cost of funding earning assets | 0.5933% | 1,823 |
| Net interest margin | 4.0411% | 1,769 |
| Noninterest income to average assets | 0.6188% | 2,746 |
| Noninterest expense to average assets | 2.4557% | 4,684 |
| Loan and lease loss provision to assets | 0.3140% | 644 |
| Net operating income to assets | 1.5646% | 770 |
| Return on assets (ROA) | 1.5646% | 799 |
| Pretax return on assets | 1.6342% | 1,140 |
| Return on Equity (ROE) | 16.5640% | 545 |
| Retained earnings to average equity (ytd only) | 8.8110% | 742 |
| Net charge-offs to loans | 0.0977% | 3,109 |
| Credit loss provision to net charge-offs | 361.4458% | 728 |
| Earnings coverage of net charge-offs (x) | 22.4277% | 1,629 |
| Efficiency ratio | 55.7628% | 5,690 |
| Assets per employee ($millions) | 5.6903% | 1,614 |
| Cash dividends to net income (ytd only)* | 46.8060% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,785 |
| Loan loss allowance to noncurrent loans | 285.1613% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 3,640 |
| Noncurrent loans to loans | 0.5941% | 3,890 |
| Net loans and leases to total assets | 87.6448% | 130 |
| Net loans and leases to deposits | 108.4462% | 285 |
| Net loans and leases to core deposits | 136.0062% | 194 |
| Total domestic deposits to total assets | 80.8186% | 4,788 |
| Equity capital to assets | 9.2105% | 5,060 |
| Core capital (leverage) ratio | 9.3413% | 4,475 |
| Tier 1 risk-based capital ratio | 9.2566% | 6,388 |
| Total risk-based capital ratio | 10.5105% | 6,361 |
| Memoranda: | ||
| Average total assets | $382,206,600 | 1,718 |
| Average earning assets | $357,992,600 | 1,674 |
| Average equity | $36,102,400 | 1,947 |
| Average total loans | $339,767,400 | 1,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 1,444 |
| Cost of funding earning assets | 0.6094% | 1,754 |
| Net interest margin | 4.0369% | 1,760 |
| Noninterest income to average assets | 0.6327% | 2,670 |
| Noninterest expense to average assets | 2.4760% | 4,607 |
| Loan and lease loss provision to assets | 0.3197% | 586 |
| Net operating income to assets | 1.5502% | 845 |
| Return on assets (ROA) | 1.5502% | 875 |
| Pretax return on assets | 1.6184% | 1,268 |
| Return on Equity (ROE) | 16.3011% | 643 |
| Retained earnings to average equity (ytd only) | 8.5913% | 1,128 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0921% | 5,653 |
| Assets per employee ($millions) | 5.4129% | 1,805 |
| Cash dividends to net income (ytd only)* | 47.2960% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 1,736 |
| Loan loss allowance to noncurrent loans | 262.7799% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 3,499 |
| Noncurrent loans to loans | 0.6771% | 3,918 |
| Net loans and leases to total assets | 88.1027% | 107 |
| Net loans and leases to deposits | 104.8770% | 367 |
| Net loans and leases to core deposits | 134.3887% | 185 |
| Total domestic deposits to total assets | 84.0057% | 3,764 |
| Equity capital to assets | 9.4479% | 4,864 |
| Core capital (leverage) ratio | 9.3214% | 4,615 |
| Tier 1 risk-based capital ratio | 9.1725% | 6,466 |
| Total risk-based capital ratio | 10.4268% | 6,456 |
| Memoranda: | ||
| Average total assets | $375,332,000 | 1,756 |
| Average earning assets | $351,583,500 | 1,711 |
| Average equity | $35,694,000 | 1,970 |
| Average total loans | $333,391,000 | 1,313 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,489 |
| Cost of funding earning assets | 0.6263% | 1,671 |
| Net interest margin | 3.9906% | 1,834 |
| Noninterest income to average assets | 0.6083% | 2,775 |
| Noninterest expense to average assets | 2.4748% | 4,659 |
| Loan and lease loss provision to assets | 0.3239% | 582 |
| Net operating income to assets | 1.4692% | 929 |
| Return on assets (ROA) | 1.4692% | 968 |
| Pretax return on assets | 1.5448% | 1,411 |
| Return on Equity (ROE) | 15.4141% | 729 |
| Retained earnings to average equity (ytd only) | 7.9619% | 1,341 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9778% | 5,659 |
| Assets per employee ($millions) | 5.6268% | 1,587 |
| Cash dividends to net income (ytd only)* | 48.3468% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,950 |
| Loan loss allowance to noncurrent loans | 244.5271% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 3,526 |
| Noncurrent loans to loans | 0.7204% | 3,897 |
| Net loans and leases to total assets | 87.5730% | 111 |
| Net loans and leases to deposits | 104.3511% | 347 |
| Net loans and leases to core deposits | 118.9960% | 400 |
| Total domestic deposits to total assets | 83.9215% | 3,950 |
| Equity capital to assets | 9.5333% | 4,711 |
| Core capital (leverage) ratio | 9.2008% | 4,737 |
| Tier 1 risk-based capital ratio | 9.3121% | 6,514 |
| Total risk-based capital ratio | 10.5661% | 6,502 |
| Memoranda: | ||
| Average total assets | $370,534,000 | 1,771 |
| Average earning assets | $346,811,000 | 1,728 |
| Average equity | $35,318,330 | 1,975 |
| Average total loans | $327,995,000 | 1,330 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,492 |
| Cost of funding earning assets | 0.6466% | 1,607 |
| Net interest margin | 3.9585% | 1,893 |
| Noninterest income to average assets | 0.5118% | 3,317 |
| Noninterest expense to average assets | 2.5374% | 4,491 |
| Loan and lease loss provision to assets | 0.3267% | 556 |
| Net operating income to assets | 1.3003% | 1,209 |
| Return on assets (ROA) | 1.3003% | 1,256 |
| Pretax return on assets | 1.3547% | 1,899 |
| Return on Equity (ROE) | 13.6428% | 1,007 |
| Retained earnings to average equity (ytd only) | 12.7858% | 515 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1446% | 5,387 |
| Assets per employee ($millions) | 5.5648% | 1,649 |
| Cash dividends to net income (ytd only)* | 6.2814% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,293 |
| Loan loss allowance to noncurrent loans | 411.7216% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 4,502 |
| Noncurrent loans to loans | 0.4172% | 4,887 |
| Net loans and leases to total assets | 86.2519% | 135 |
| Net loans and leases to deposits | 103.9084% | 294 |
| Net loans and leases to core deposits | 118.2759% | 356 |
| Total domestic deposits to total assets | 83.0076% | 4,600 |
| Equity capital to assets | 9.5472% | 4,434 |
| Core capital (leverage) ratio | 9.4970% | 4,279 |
| Tier 1 risk-based capital ratio | 9.3647% | 6,570 |
| Total risk-based capital ratio | 10.5699% | 6,564 |
| Memoranda: | ||
| Average total assets | $367,304,000 | 1,788 |
| Average earning assets | $343,969,000 | 1,750 |
| Average equity | $35,007,500 | 1,980 |
| Average total loans | $323,960,000 | 1,347 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 1,527 |
| Cost of funding earning assets | 0.7911% | 1,263 |
| Net interest margin | 3.9252% | 2,200 |
| Noninterest income to average assets | 0.6046% | 3,067 |
| Noninterest expense to average assets | 2.5145% | 4,723 |
| Loan and lease loss provision to assets | 0.3365% | 955 |
| Net operating income to assets | 1.3345% | 1,172 |
| Return on assets (ROA) | 1.3345% | 1,212 |
| Pretax return on assets | 1.3934% | 1,801 |
| Return on Equity (ROE) | 14.0422% | 944 |
| Retained earnings to average equity (ytd only) | 5.1342% | 2,506 |
| Net charge-offs to loans | 0.0023% | 5,432 |
| Credit loss provision to net charge-offs | 17,142.8571% | 14 |
| Earnings coverage of net charge-offs (x) | 881.2857% | 41 |
| Efficiency ratio | 59.2429% | 5,568 |
| Assets per employee ($millions) | 5.6526% | 1,511 |
| Cash dividends to net income (ytd only)* | 63.4377% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 2,537 |
| Loan loss allowance to noncurrent loans | 391.1765% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,456 |
| Noncurrent loans to loans | 0.4241% | 4,932 |
| Net loans and leases to total assets | 87.1825% | 110 |
| Net loans and leases to deposits | 102.2579% | 385 |
| Net loans and leases to core deposits | 114.4411% | 459 |
| Total domestic deposits to total assets | 85.2575% | 3,617 |
| Equity capital to assets | 9.5142% | 4,414 |
| Core capital (leverage) ratio | 9.4293% | 4,368 |
| Tier 1 risk-based capital ratio | 9.4226% | 6,613 |
| Total risk-based capital ratio | 10.6758% | 6,595 |
| Memoranda: | ||
| Average total assets | $356,612,200 | 1,822 |
| Average earning assets | $330,684,600 | 1,798 |
| Average equity | $33,890,600 | 2,032 |
| Average total loans | $300,367,200 | 1,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 1,085 |
| Cost of funding earning assets | 0.8114% | 1,267 |
| Net interest margin | 4.1086% | 1,609 |
| Noninterest income to average assets | 0.4465% | 4,183 |
| Noninterest expense to average assets | 2.5212% | 4,652 |
| Loan and lease loss provision to assets | 0.3377% | 967 |
| Net operating income to assets | 1.3253% | 1,278 |
| Return on assets (ROA) | 1.3253% | 1,335 |
| Pretax return on assets | 1.3839% | 1,982 |
| Return on Equity (ROE) | 13.9497% | 1,006 |
| Retained earnings to average equity (ytd only) | 4.5261% | 3,457 |
| Net charge-offs to loans | 0.0032% | 5,145 |
| Credit loss provision to net charge-offs | 12,857.1429% | 21 |
| Earnings coverage of net charge-offs (x) | 655.6463% | 84 |
| Efficiency ratio | 59.4234% | 5,509 |
| Assets per employee ($millions) | 5.5346% | 1,588 |
| Cash dividends to net income (ytd only)* | 67.5537% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 2,840 |
| Loan loss allowance to noncurrent loans | 353.2723% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 4,715 |
| Noncurrent loans to loans | 0.4644% | 5,030 |
| Net loans and leases to total assets | 84.9647% | 190 |
| Net loans and leases to deposits | 99.6527% | 481 |
| Net loans and leases to core deposits | 109.8499% | 579 |
| Total domestic deposits to total assets | 85.2609% | 3,603 |
| Equity capital to assets | 9.5485% | 4,489 |
| Core capital (leverage) ratio | 9.4527% | 4,472 |
| Tier 1 risk-based capital ratio | 9.8691% | 6,624 |
| Total risk-based capital ratio | 11.1222% | 6,591 |
| Memoranda: | ||
| Average total assets | $355,324,250 | 1,835 |
| Average earning assets | $328,310,750 | 1,821 |
| Average equity | $33,758,500 | 2,056 |
| Average total loans | $295,280,250 | 1,429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,077 |
| Cost of funding earning assets | 0.8291% | 1,265 |
| Net interest margin | 4.0785% | 1,601 |
| Noninterest income to average assets | 0.4346% | 4,282 |
| Noninterest expense to average assets | 2.4257% | 4,979 |
| Loan and lease loss provision to assets | 0.3374% | 1,011 |
| Net operating income to assets | 1.3770% | 1,126 |
| Return on assets (ROA) | 1.3770% | 1,212 |
| Pretax return on assets | 1.4361% | 1,818 |
| Return on Equity (ROE) | 14.5180% | 903 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,028 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7665% | 5,768 |
| Assets per employee ($millions) | 5.4544% | 1,627 |
| Cash dividends to net income (ytd only)* | 65.2511% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,147 |
| Loan loss allowance to noncurrent loans | 340.5620% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,818 |
| Noncurrent loans to loans | 0.4709% | 5,083 |
| Net loans and leases to total assets | 84.4040% | 216 |
| Net loans and leases to deposits | 97.9137% | 546 |
| Net loans and leases to core deposits | 108.3660% | 637 |
| Total domestic deposits to total assets | 86.2024% | 3,261 |
| Equity capital to assets | 9.7830% | 4,201 |
| Core capital (leverage) ratio | 9.4192% | 4,359 |
| Tier 1 risk-based capital ratio | 10.2455% | 6,577 |
| Total risk-based capital ratio | 11.4985% | 6,551 |
| Memoranda: | ||
| Average total assets | $355,694,330 | 1,835 |
| Average earning assets | $328,303,670 | 1,825 |
| Average equity | $33,737,330 | 2,069 |
| Average total loans | $291,714,670 | 1,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 1,171 |
| Cost of funding earning assets | 0.8439% | 1,281 |
| Net interest margin | 4.0199% | 1,712 |
| Noninterest income to average assets | 0.4456% | 4,137 |
| Noninterest expense to average assets | 2.4062% | 5,101 |
| Loan and lease loss provision to assets | 0.3317% | 1,011 |
| Net operating income to assets | 1.3270% | 1,214 |
| Return on assets (ROA) | 1.3270% | 1,315 |
| Pretax return on assets | 1.3999% | 1,853 |
| Return on Equity (ROE) | 14.2022% | 930 |
| Retained earnings to average equity (ytd only) | 14.2022% | 432 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1507% | 5,833 |
| Assets per employee ($millions) | 5.5957% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 3,676 |
| Loan loss allowance to noncurrent loans | 309.5804% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,898 |
| Noncurrent loans to loans | 0.4958% | 5,188 |
| Net loans and leases to total assets | 80.5632% | 378 |
| Net loans and leases to deposits | 93.2635% | 714 |
| Net loans and leases to core deposits | 103.0818% | 763 |
| Total domestic deposits to total assets | 86.3824% | 3,308 |
| Equity capital to assets | 9.7402% | 4,511 |
| Core capital (leverage) ratio | 9.4846% | 4,114 |
| Tier 1 risk-based capital ratio | 10.1855% | 6,661 |
| Total risk-based capital ratio | 11.4371% | 6,645 |
| Memoranda: | ||
| Average total assets | $361,728,500 | 1,827 |
| Average earning assets | $332,249,000 | 1,824 |
| Average equity | $33,797,500 | 2,089 |
| Average total loans | $290,191,500 | 1,462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 893 |
| Cost of funding earning assets | 1.0537% | 1,105 |
| Net interest margin | 4.2645% | 1,480 |
| Noninterest income to average assets | 0.5616% | 3,504 |
| Noninterest expense to average assets | 2.4130% | 5,370 |
| Loan and lease loss provision to assets | 0.3494% | 1,911 |
| Net operating income to assets | 1.6418% | 700 |
| Return on assets (ROA) | 1.6418% | 775 |
| Pretax return on assets | 1.7149% | 1,098 |
| Return on Equity (ROE) | 17.5882% | 476 |
| Retained earnings to average equity (ytd only) | 8.7615% | 890 |
| Net charge-offs to loans | 0.1512% | 4,178 |
| Credit loss provision to net charge-offs | 289.6635% | 841 |
| Earnings coverage of net charge-offs (x) | 17.1154% | 1,526 |
| Efficiency ratio | 53.8950% | 6,280 |
| Assets per employee ($millions) | 5.8878% | 1,367 |
| Cash dividends to net income (ytd only)* | 50.1854% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 4,107 |
| Loan loss allowance to noncurrent loans | 280.3668% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 4,988 |
| Noncurrent loans to loans | 0.5042% | 5,275 |
| Net loans and leases to total assets | 77.5946% | 720 |
| Net loans and leases to deposits | 88.8808% | 1,178 |
| Net loans and leases to core deposits | 97.7404% | 1,161 |
| Total domestic deposits to total assets | 87.3019% | 2,645 |
| Equity capital to assets | 8.9661% | 5,556 |
| Core capital (leverage) ratio | 9.2143% | 4,556 |
| Tier 1 risk-based capital ratio | 9.7009% | 6,769 |
| Total risk-based capital ratio | 10.9509% | 6,745 |
| Memoranda: | ||
| Average total assets | $344,921,200 | 1,877 |
| Average earning assets | $316,707,200 | 1,869 |
| Average equity | $32,197,800 | 2,132 |
| Average total loans | $275,140,600 | 1,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 824 |
| Cost of funding earning assets | 1.0907% | 1,099 |
| Net interest margin | 4.3165% | 1,423 |
| Noninterest income to average assets | 0.5882% | 3,358 |
| Noninterest expense to average assets | 2.3922% | 5,421 |
| Loan and lease loss provision to assets | 0.3566% | 1,826 |
| Net operating income to assets | 1.7032% | 681 |
| Return on assets (ROA) | 1.7032% | 755 |
| Pretax return on assets | 1.8186% | 997 |
| Return on Equity (ROE) | 18.0500% | 495 |
| Retained earnings to average equity (ytd only) | 11.1941% | 650 |
| Net charge-offs to loans | 0.1767% | 3,696 |
| Credit loss provision to net charge-offs | 252.0891% | 1,087 |
| Earnings coverage of net charge-offs (x) | 15.3790% | 1,764 |
| Efficiency ratio | 52.3764% | 6,422 |
| Assets per employee ($millions) | 5.5531% | 1,586 |
| Cash dividends to net income (ytd only)* | 37.9829% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,247 |
| Loan loss allowance to noncurrent loans | 205.5585% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 4,749 |
| Noncurrent loans to loans | 0.6954% | 5,046 |
| Net loans and leases to total assets | 79.0410% | 601 |
| Net loans and leases to deposits | 91.8374% | 987 |
| Net loans and leases to core deposits | 101.5386% | 1,018 |
| Total domestic deposits to total assets | 86.0662% | 3,215 |
| Equity capital to assets | 9.7849% | 4,803 |
| Core capital (leverage) ratio | 9.3837% | 4,456 |
| Tier 1 risk-based capital ratio | 10.3929% | 6,705 |
| Total risk-based capital ratio | 11.6433% | 6,680 |
| Memoranda: | ||
| Average total assets | $338,419,250 | 1,928 |
| Average earning assets | $311,970,000 | 1,912 |
| Average equity | $31,932,750 | 2,163 |
| Average total loans | $270,938,750 | 1,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 884 |
| Cost of funding earning assets | 1.1131% | 1,161 |
| Net interest margin | 4.2771% | 1,526 |
| Noninterest income to average assets | 0.5185% | 3,797 |
| Noninterest expense to average assets | 2.3676% | 5,573 |
| Loan and lease loss provision to assets | 0.2394% | 2,670 |
| Net operating income to assets | 1.7546% | 611 |
| Return on assets (ROA) | 1.7546% | 684 |
| Pretax return on assets | 1.8456% | 948 |
| Return on Equity (ROE) | 18.8273% | 429 |
| Retained earnings to average equity (ytd only) | 11.3294% | 686 |
| Net charge-offs to loans | 0.1204% | 3,968 |
| Credit loss provision to net charge-offs | 248.4663% | 1,162 |
| Earnings coverage of net charge-offs (x) | 21.6380% | 1,332 |
| Efficiency ratio | 53.1731% | 6,401 |
| Assets per employee ($millions) | 5.5525% | 1,578 |
| Cash dividends to net income (ytd only)* | 39.8248% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,881 |
| Loan loss allowance to noncurrent loans | 110.1538% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 4,036 |
| Noncurrent loans to loans | 1.1808% | 4,181 |
| Net loans and leases to total assets | 80.2073% | 480 |
| Net loans and leases to deposits | 92.8277% | 861 |
| Net loans and leases to core deposits | 103.8404% | 870 |
| Total domestic deposits to total assets | 86.4045% | 3,137 |
| Equity capital to assets | 9.5128% | 5,038 |
| Core capital (leverage) ratio | 9.1161% | 4,738 |
| Tier 1 risk-based capital ratio | 10.0721% | 6,808 |
| Total risk-based capital ratio | 11.2472% | 6,809 |
| Memoranda: | ||
| Average total assets | $338,313,330 | 1,928 |
| Average earning assets | $311,189,670 | 1,924 |
| Average equity | $31,528,670 | 2,172 |
| Average total loans | $270,710,330 | 1,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 813 |
| Cost of funding earning assets | 1.1239% | 1,280 |
| Net interest margin | 4.3349% | 1,366 |
| Noninterest income to average assets | 0.5028% | 3,890 |
| Noninterest expense to average assets | 2.3341% | 5,680 |
| Loan and lease loss provision to assets | 0.1420% | 3,579 |
| Net operating income to assets | 1.9283% | 476 |
| Return on assets (ROA) | 1.9283% | 546 |
| Pretax return on assets | 2.0147% | 718 |
| Return on Equity (ROE) | 20.9088% | 320 |
| Retained earnings to average equity (ytd only) | 20.8960% | 162 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9758% | 6,544 |
| Assets per employee ($millions) | 5.7587% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0613% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 5,023 |
| Loan loss allowance to noncurrent loans | 118.5528% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 4,315 |
| Noncurrent loans to loans | 1.0966% | 4,499 |
| Net loans and leases to total assets | 77.2439% | 668 |
| Net loans and leases to deposits | 89.2370% | 1,038 |
| Net loans and leases to core deposits | 100.3702% | 969 |
| Total domestic deposits to total assets | 86.5604% | 3,203 |
| Equity capital to assets | 9.4118% | 4,937 |
| Core capital (leverage) ratio | 9.2237% | 4,475 |
| Tier 1 risk-based capital ratio | 10.3874% | 6,766 |
| Total risk-based capital ratio | 11.5637% | 6,790 |
| Memoranda: | ||
| Average total assets | $338,120,000 | 1,934 |
| Average earning assets | $311,059,500 | 1,923 |
| Average equity | $31,183,000 | 2,193 |
| Average total loans | $268,444,500 | 1,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 1,458 |
| Cost of funding earning assets | 1.2868% | 1,541 |
| Net interest margin | 4.0961% | 2,439 |
| Noninterest income to average assets | 0.5878% | 3,234 |
| Noninterest expense to average assets | 2.7292% | 4,624 |
| Loan and lease loss provision to assets | 0.2182% | 4,010 |
| Net operating income to assets | 1.3781% | 1,068 |
| Return on assets (ROA) | 1.3781% | 1,157 |
| Pretax return on assets | 1.4381% | 1,660 |
| Return on Equity (ROE) | 15.0509% | 734 |
| Retained earnings to average equity (ytd only) | 2.0066% | 4,789 |
| Net charge-offs to loans | -0.0016% | 6,795 |
| Credit loss provision to net charge-offs | -17,250.0000% | 6,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2323% | 5,423 |
| Assets per employee ($millions) | 5.7030% | 1,437 |
| Cash dividends to net income (ytd only)* | 86.6682% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,256 |
| Loan loss allowance to noncurrent loans | 103.1849% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 4,236 |
| Noncurrent loans to loans | 1.1934% | 4,381 |
| Net loans and leases to total assets | 79.5445% | 541 |
| Net loans and leases to deposits | 96.0365% | 669 |
| Net loans and leases to core deposits | 106.2239% | 785 |
| Total domestic deposits to total assets | 82.8273% | 4,822 |
| Equity capital to assets | 9.0313% | 5,515 |
| Core capital (leverage) ratio | 8.9310% | 4,890 |
| Tier 1 risk-based capital ratio | 9.6173% | 6,934 |
| Total risk-based capital ratio | 10.7279% | 6,959 |
| Memoranda: | ||
| Average total assets | $316,243,800 | 2,030 |
| Average earning assets | $293,208,800 | 1,994 |
| Average equity | $28,955,000 | 2,276 |
| Average total loans | $246,205,600 | 1,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 1,804 |
| Cost of funding earning assets | 1.3054% | 1,669 |
| Net interest margin | 4.0091% | 2,882 |
| Noninterest income to average assets | 0.6071% | 3,128 |
| Noninterest expense to average assets | 2.7875% | 4,389 |
| Loan and lease loss provision to assets | 0.2442% | 3,561 |
| Net operating income to assets | 1.2554% | 1,500 |
| Return on assets (ROA) | 1.2554% | 1,605 |
| Pretax return on assets | 1.3059% | 2,267 |
| Return on Equity (ROE) | 13.6609% | 1,121 |
| Retained earnings to average equity (ytd only) | -2.7368% | 6,387 |
| Net charge-offs to loans | -0.0061% | 6,733 |
| Credit loss provision to net charge-offs | -5,181.8182% | 6,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2631% | 5,021 |
| Assets per employee ($millions) | 5.4801% | 1,621 |
| Cash dividends to net income (ytd only)* | 120.0342% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,981 |
| Loan loss allowance to noncurrent loans | 68.9397% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 3,010 |
| Noncurrent loans to loans | 1.8946% | 3,511 |
| Net loans and leases to total assets | 76.6668% | 881 |
| Net loans and leases to deposits | 90.6961% | 1,137 |
| Net loans and leases to core deposits | 101.5621% | 1,116 |
| Total domestic deposits to total assets | 84.5316% | 3,993 |
| Equity capital to assets | 9.1698% | 5,559 |
| Core capital (leverage) ratio | 8.9007% | 5,100 |
| Tier 1 risk-based capital ratio | 10.0701% | 6,934 |
| Total risk-based capital ratio | 11.2413% | 6,943 |
| Memoranda: | ||
| Average total assets | $311,185,750 | 2,066 |
| Average earning assets | $289,569,000 | 2,030 |
| Average equity | $28,596,750 | 2,299 |
| Average total loans | $240,010,750 | 1,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 1,807 |
| Cost of funding earning assets | 1.3153% | 1,850 |
| Net interest margin | 4.0088% | 2,797 |
| Noninterest income to average assets | 0.4816% | 4,009 |
| Noninterest expense to average assets | 2.7226% | 4,731 |
| Loan and lease loss provision to assets | 0.2589% | 3,330 |
| Net operating income to assets | 1.2014% | 1,566 |
| Return on assets (ROA) | 1.2014% | 1,648 |
| Pretax return on assets | 1.2526% | 2,297 |
| Return on Equity (ROE) | 13.0641% | 1,186 |
| Retained earnings to average equity (ytd only) | -1.2177% | 6,097 |
| Net charge-offs to loans | -0.0034% | 6,554 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3021% | 5,182 |
| Assets per employee ($millions) | 5.5798% | 1,498 |
| Cash dividends to net income (ytd only)* | 109.3211% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,264 |
| Loan loss allowance to noncurrent loans | 74.9631% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 2.0006% | 3,233 |
| Noncurrent loans to loans | 1.6787% | 3,910 |
| Net loans and leases to total assets | 75.1985% | 1,206 |
| Net loans and leases to deposits | 88.8879% | 1,384 |
| Net loans and leases to core deposits | 98.7168% | 1,449 |
| Total domestic deposits to total assets | 84.5992% | 4,079 |
| Equity capital to assets | 9.1901% | 5,295 |
| Core capital (leverage) ratio | 9.4519% | 4,023 |
| Tier 1 risk-based capital ratio | 10.3785% | 6,836 |
| Total risk-based capital ratio | 11.5025% | 6,888 |
| Memoranda: | ||
| Average total assets | $308,965,000 | 2,084 |
| Average earning assets | $289,215,670 | 2,043 |
| Average equity | $28,413,670 | 2,284 |
| Average total loans | $237,711,330 | 1,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4057% | 1,536 |
| Cost of funding earning assets | 1.3668% | 1,791 |
| Net interest margin | 4.0388% | 2,523 |
| Noninterest income to average assets | 0.5046% | 3,848 |
| Noninterest expense to average assets | 2.5911% | 5,261 |
| Loan and lease loss provision to assets | 0.1577% | 4,051 |
| Net operating income to assets | 1.4835% | 898 |
| Return on assets (ROA) | 1.4835% | 942 |
| Pretax return on assets | 1.5413% | 1,321 |
| Return on Equity (ROE) | 16.1251% | 662 |
| Retained earnings to average equity (ytd only) | 5.8416% | 2,731 |
| Net charge-offs to loans | -0.0051% | 6,242 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3982% | 5,926 |
| Assets per employee ($millions) | 5.4727% | 1,598 |
| Cash dividends to net income (ytd only)* | 63.7733% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 5,691 |
| Loan loss allowance to noncurrent loans | 83.9502% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8581% | 3,485 |
| Noncurrent loans to loans | 1.4148% | 4,346 |
| Net loans and leases to total assets | 76.4773% | 966 |
| Net loans and leases to deposits | 91.4383% | 1,068 |
| Net loans and leases to core deposits | 101.0744% | 1,260 |
| Total domestic deposits to total assets | 83.6382% | 4,648 |
| Equity capital to assets | 9.8137% | 4,022 |
| Core capital (leverage) ratio | 9.6010% | 3,660 |
| Tier 1 risk-based capital ratio | 10.6170% | 6,740 |
| Total risk-based capital ratio | 11.6397% | 6,851 |
| Memoranda: | ||
| Average total assets | $304,423,000 | 2,129 |
| Average earning assets | $285,331,000 | 2,080 |
| Average equity | $28,006,000 | 2,301 |
| Average total loans | $235,459,000 | 1,824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8812% | 1,079 |
| Cost of funding earning assets | 1.6363% | 1,880 |
| Net interest margin | 4.2448% | 2,017 |
| Noninterest income to average assets | 0.3292% | 5,435 |
| Noninterest expense to average assets | 2.3131% | 6,320 |
| Loan and lease loss provision to assets | 0.3424% | 4,091 |
| Net operating income to assets | 1.5708% | 659 |
| Return on assets (ROA) | 1.5715% | 720 |
| Pretax return on assets | 1.6518% | 1,033 |
| Return on Equity (ROE) | 17.5182% | 426 |
| Retained earnings to average equity (ytd only) | 6.6740% | 1,466 |
| Net charge-offs to loans | 0.4165% | 3,956 |
| Credit loss provision to net charge-offs | 103.2186% | 4,368 |
| Earnings coverage of net charge-offs (x) | 6.0089% | 2,465 |
| Efficiency ratio | 53.7107% | 6,835 |
| Assets per employee ($millions) | 4.5272% | 2,819 |
| Cash dividends to net income (ytd only)* | 61.9025% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 5,917 |
| Loan loss allowance to noncurrent loans | 74.4369% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9874% | 3,362 |
| Noncurrent loans to loans | 1.4927% | 4,239 |
| Net loans and leases to total assets | 76.4376% | 1,196 |
| Net loans and leases to deposits | 91.1542% | 1,379 |
| Net loans and leases to core deposits | 101.0777% | 1,530 |
| Total domestic deposits to total assets | 83.8553% | 4,420 |
| Equity capital to assets | 8.5994% | 5,728 |
| Core capital (leverage) ratio | 8.9834% | 4,578 |
| Tier 1 risk-based capital ratio | 9.4374% | 7,149 |
| Total risk-based capital ratio | 10.4006% | 7,217 |
| Memoranda: | ||
| Average total assets | $271,584,800 | 2,349 |
| Average earning assets | $254,474,000 | 2,305 |
| Average equity | $24,363,200 | 2,621 |
| Average total loans | $216,342,800 | 1,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9944% | 948 |
| Cost of funding earning assets | 1.7125% | 1,805 |
| Net interest margin | 4.2818% | 1,907 |
| Noninterest income to average assets | 0.3982% | 4,973 |
| Noninterest expense to average assets | 2.3429% | 6,193 |
| Loan and lease loss provision to assets | 0.4114% | 3,438 |
| Net operating income to assets | 1.5618% | 802 |
| Return on assets (ROA) | 1.5628% | 875 |
| Pretax return on assets | 1.6476% | 1,219 |
| Return on Equity (ROE) | 17.2118% | 564 |
| Retained earnings to average equity (ytd only) | 3.2275% | 4,167 |
| Net charge-offs to loans | 0.4096% | 3,655 |
| Credit loss provision to net charge-offs | 125.0000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 6.2531% | 2,561 |
| Efficiency ratio | 53.2372% | 6,864 |
| Assets per employee ($millions) | 5.6842% | 1,477 |
| Cash dividends to net income (ytd only)* | 81.2480% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 5,014 |
| Loan loss allowance to noncurrent loans | 685.6790% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 5,826 |
| Noncurrent loans to loans | 0.1884% | 6,806 |
| Net loans and leases to total assets | 81.1516% | 599 |
| Net loans and leases to deposits | 100.2476% | 645 |
| Net loans and leases to core deposits | 114.2793% | 822 |
| Total domestic deposits to total assets | 80.9512% | 5,391 |
| Equity capital to assets | 9.5598% | 4,755 |
| Core capital (leverage) ratio | 9.2314% | 4,313 |
| Tier 1 risk-based capital ratio | 9.5436% | 7,245 |
| Total risk-based capital ratio | 10.6545% | 7,282 |
| Memoranda: | ||
| Average total assets | $262,519,250 | 2,466 |
| Average earning assets | $245,402,000 | 2,414 |
| Average equity | $23,835,750 | 2,715 |
| Average total loans | $210,939,750 | 2,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0094% | 927 |
| Cost of funding earning assets | 1.7253% | 1,989 |
| Net interest margin | 4.2840% | 1,841 |
| Noninterest income to average assets | 0.4162% | 4,789 |
| Noninterest expense to average assets | 2.2970% | 6,362 |
| Loan and lease loss provision to assets | 0.5250% | 2,690 |
| Net operating income to assets | 1.5202% | 876 |
| Return on assets (ROA) | 1.5202% | 940 |
| Pretax return on assets | 1.5993% | 1,302 |
| Return on Equity (ROE) | 17.0412% | 562 |
| Retained earnings to average equity (ytd only) | -4.2816% | 6,471 |
| Net charge-offs to loans | 0.6202% | 2,675 |
| Credit loss provision to net charge-offs | 106.1538% | 3,838 |
| Earnings coverage of net charge-offs (x) | 4.2954% | 2,999 |
| Efficiency ratio | 51.9532% | 7,073 |
| Assets per employee ($millions) | 5.4687% | 1,655 |
| Cash dividends to net income (ytd only)* | 125.1251% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 5,107 |
| Loan loss allowance to noncurrent loans | 214.8058% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 5,202 |
| Noncurrent loans to loans | 0.5890% | 6,069 |
| Net loans and leases to total assets | 78.9307% | 970 |
| Net loans and leases to deposits | 94.5214% | 1,207 |
| Net loans and leases to core deposits | 107.4436% | 1,345 |
| Total domestic deposits to total assets | 83.5057% | 4,334 |
| Equity capital to assets | 9.0097% | 5,435 |
| Core capital (leverage) ratio | 8.6344% | 5,184 |
| Tier 1 risk-based capital ratio | 9.4451% | 7,284 |
| Total risk-based capital ratio | 10.5460% | 7,337 |
| Memoranda: | ||
| Average total assets | $262,868,670 | 2,482 |
| Average earning assets | $245,749,330 | 2,434 |
| Average equity | $23,449,000 | 2,750 |
| Average total loans | $209,598,000 | 2,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9420% | 1,099 |
| Cost of funding earning assets | 1.7281% | 2,246 |
| Net interest margin | 4.2139% | 1,983 |
| Noninterest income to average assets | 0.3649% | 5,224 |
| Noninterest expense to average assets | 2.2779% | 6,452 |
| Loan and lease loss provision to assets | 0.1825% | 4,695 |
| Net operating income to assets | 1.7654% | 535 |
| Return on assets (ROA) | 1.7654% | 585 |
| Pretax return on assets | 1.8536% | 799 |
| Return on Equity (ROE) | 19.8899% | 389 |
| Retained earnings to average equity (ytd only) | -14.3735% | 7,184 |
| Net charge-offs to loans | 0.4717% | 2,632 |
| Credit loss provision to net charge-offs | 48.5830% | 4,511 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,402 |
| Efficiency ratio | 52.8023% | 7,073 |
| Assets per employee ($millions) | 5.6373% | 1,552 |
| Cash dividends to net income (ytd only)* | 172.2653% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,601 |
| Loan loss allowance to noncurrent loans | 84.0257% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 4,922 |
| Noncurrent loans to loans | 1.4051% | 4,628 |
| Net loans and leases to total assets | 78.5963% | 1,040 |
| Net loans and leases to deposits | 97.6672% | 942 |
| Net loans and leases to core deposits | 112.1738% | 1,152 |
| Total domestic deposits to total assets | 80.4736% | 5,629 |
| Equity capital to assets | 8.7834% | 5,579 |
| Core capital (leverage) ratio | 8.5758% | 5,246 |
| Tier 1 risk-based capital ratio | 9.2061% | 7,424 |
| Total risk-based capital ratio | 10.2267% | 7,498 |
| Memoranda: | ||
| Average total assets | $263,055,000 | 2,538 |
| Average earning assets | $246,515,000 | 2,489 |
| Average equity | $23,348,500 | 2,784 |
| Average total loans | $209,474,500 | 2,182 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 2,050 |
| Cost of funding earning assets | 2.1077% | 2,420 |
| Net interest margin | 3.8418% | 3,524 |
| Noninterest income to average assets | 0.3865% | 5,321 |
| Noninterest expense to average assets | 2.3722% | 6,544 |
| Loan and lease loss provision to assets | 0.2906% | 5,101 |
| Net operating income to assets | 1.2445% | 1,141 |
| Return on assets (ROA) | 1.2448% | 1,197 |
| Pretax return on assets | 1.3101% | 1,668 |
| Return on Equity (ROE) | 14.2779% | 739 |
| Retained earnings to average equity (ytd only) | 10.8260% | 298 |
| Net charge-offs to loans | 0.0596% | 6,497 |
| Credit loss provision to net charge-offs | 623.9316% | 472 |
| Earnings coverage of net charge-offs (x) | 34.3590% | 684 |
| Efficiency ratio | 59.7154% | 6,527 |
| Assets per employee ($millions) | 5.6773% | 1,489 |
| Cash dividends to net income (ytd only)* | 24.1765% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 5,016 |
| Loan loss allowance to noncurrent loans | 101.5534% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 5,004 |
| Noncurrent loans to loans | 1.2367% | 4,884 |
| Net loans and leases to total assets | 78.7277% | 1,244 |
| Net loans and leases to deposits | 96.0272% | 1,325 |
| Net loans and leases to core deposits | 129.6380% | 1,303 |
| Total domestic deposits to total assets | 81.9847% | 4,954 |
| Equity capital to assets | 8.9697% | 5,193 |
| Core capital (leverage) ratio | 8.8507% | 4,684 |
| Tier 1 risk-based capital ratio | 9.3643% | 7,294 |
| Total risk-based capital ratio | 10.4393% | 7,384 |
| Memoranda: | ||
| Average total assets | $251,199,200 | 2,594 |
| Average earning assets | $234,473,200 | 2,558 |
| Average equity | $21,901,000 | 2,958 |
| Average total loans | $196,342,200 | 2,324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9348% | 2,299 |
| Cost of funding earning assets | 2.1802% | 2,497 |
| Net interest margin | 3.7547% | 3,840 |
| Noninterest income to average assets | 0.3613% | 5,607 |
| Noninterest expense to average assets | 2.4210% | 6,349 |
| Loan and lease loss provision to assets | 0.2520% | 4,935 |
| Net operating income to assets | 1.1322% | 1,629 |
| Return on assets (ROA) | 1.1327% | 1,702 |
| Pretax return on assets | 1.1917% | 2,290 |
| Return on Equity (ROE) | 13.0914% | 1,099 |
| Retained earnings to average equity (ytd only) | 11.5053% | 410 |
| Net charge-offs to loans | 0.0441% | 6,289 |
| Credit loss provision to net charge-offs | 734.3750% | 514 |
| Earnings coverage of net charge-offs (x) | 42.0630% | 722 |
| Efficiency ratio | 62.6526% | 5,992 |
| Assets per employee ($millions) | 5.5760% | 1,538 |
| Cash dividends to net income (ytd only)* | 12.1153% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,051 |
| Loan loss allowance to noncurrent loans | 97.2536% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 5,025 |
| Noncurrent loans to loans | 1.2433% | 4,867 |
| Net loans and leases to total assets | 76.7031% | 1,847 |
| Net loans and leases to deposits | 93.9457% | 1,887 |
| Net loans and leases to core deposits | 132.2146% | 1,319 |
| Total domestic deposits to total assets | 81.6463% | 4,822 |
| Equity capital to assets | 8.9817% | 5,507 |
| Core capital (leverage) ratio | 8.7863% | 4,998 |
| Tier 1 risk-based capital ratio | 9.5126% | 7,364 |
| Total risk-based capital ratio | 10.5414% | 7,486 |
| Memoranda: | ||
| Average total assets | $248,710,000 | 2,636 |
| Average earning assets | $232,025,000 | 2,598 |
| Average equity | $21,520,000 | 3,028 |
| Average total loans | $193,373,500 | 2,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 2,449 |
| Cost of funding earning assets | 2.2107% | 2,747 |
| Net interest margin | 3.7219% | 3,866 |
| Noninterest income to average assets | 0.3803% | 5,462 |
| Noninterest expense to average assets | 2.4038% | 6,445 |
| Loan and lease loss provision to assets | 0.3088% | 4,103 |
| Net operating income to assets | 1.0922% | 1,802 |
| Return on assets (ROA) | 1.0930% | 1,872 |
| Pretax return on assets | 1.1491% | 2,469 |
| Return on Equity (ROE) | 12.8010% | 1,218 |
| Retained earnings to average equity (ytd only) | 10.9260% | 575 |
| Net charge-offs to loans | 0.0679% | 5,556 |
| Credit loss provision to net charge-offs | 584.6154% | 801 |
| Earnings coverage of net charge-offs (x) | 27.5846% | 1,054 |
| Efficiency ratio | 62.2606% | 6,211 |
| Assets per employee ($millions) | 5.5402% | 1,550 |
| Cash dividends to net income (ytd only)* | 14.6468% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,977 |
| Loan loss allowance to noncurrent loans | 117.5545% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8625% | 5,261 |
| Noncurrent loans to loans | 1.0170% | 5,174 |
| Net loans and leases to total assets | 75.1377% | 2,405 |
| Net loans and leases to deposits | 91.4735% | 2,573 |
| Net loans and leases to core deposits | 128.3485% | 1,688 |
| Total domestic deposits to total assets | 82.1415% | 4,631 |
| Equity capital to assets | 8.5039% | 6,043 |
| Core capital (leverage) ratio | 8.5619% | 5,331 |
| Tier 1 risk-based capital ratio | 9.4809% | 7,403 |
| Total risk-based capital ratio | 10.4999% | 7,563 |
| Memoranda: | ||
| Average total assets | $246,114,000 | 2,679 |
| Average earning assets | $230,152,670 | 2,630 |
| Average equity | $21,014,000 | 3,099 |
| Average total loans | $191,448,000 | 2,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0535% | 2,138 |
| Cost of funding earning assets | 2.1764% | 3,285 |
| Net interest margin | 3.8771% | 3,149 |
| Noninterest income to average assets | 0.3706% | 5,458 |
| Noninterest expense to average assets | 2.4009% | 6,189 |
| Loan and lease loss provision to assets | 0.1489% | 5,031 |
| Net operating income to assets | 1.3684% | 1,210 |
| Return on assets (ROA) | 1.3684% | 1,303 |
| Pretax return on assets | 1.4494% | 1,816 |
| Return on Equity (ROE) | 15.9923% | 827 |
| Retained earnings to average equity (ytd only) | 15.9923% | 341 |
| Net charge-offs to loans | 0.1177% | 4,028 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,518 |
| Efficiency ratio | 60.0331% | 6,400 |
| Assets per employee ($millions) | 5.4209% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,674 |
| Loan loss allowance to noncurrent loans | 100.8420% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 5,005 |
| Noncurrent loans to loans | 1.0629% | 4,855 |
| Net loans and leases to total assets | 75.3588% | 2,414 |
| Net loans and leases to deposits | 94.1907% | 2,239 |
| Net loans and leases to core deposits | 131.3379% | 1,581 |
| Total domestic deposits to total assets | 80.0067% | 5,368 |
| Equity capital to assets | 8.5474% | 6,001 |
| Core capital (leverage) ratio | 9.0473% | 4,624 |
| Tier 1 risk-based capital ratio | 9.4563% | 7,460 |
| Total risk-based capital ratio | 10.3629% | 7,739 |
| Memoranda: | ||
| Average total assets | $241,747,000 | 2,749 |
| Average earning assets | $226,249,000 | 2,692 |
| Average equity | $20,685,000 | 3,152 |
| Average total loans | $190,270,000 | 2,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5610% | 2,666 |
| Cost of funding earning assets | 2.5763% | 3,816 |
| Net interest margin | 3.9847% | 3,192 |
| Noninterest income to average assets | 0.4482% | 5,053 |
| Noninterest expense to average assets | 2.3798% | 6,466 |
| Loan and lease loss provision to assets | 0.1532% | 5,403 |
| Net operating income to assets | 1.5257% | 971 |
| Return on assets (ROA) | 1.5469% | 899 |
| Pretax return on assets | 1.6374% | 1,290 |
| Return on Equity (ROE) | 17.7442% | 553 |
| Retained earnings to average equity (ytd only) | 3.1675% | 3,180 |
| Net charge-offs to loans | 0.0572% | 5,959 |
| Credit loss provision to net charge-offs | 343.4343% | 1,319 |
| Earnings coverage of net charge-offs (x) | 39.6465% | 940 |
| Efficiency ratio | 57.3740% | 6,807 |
| Assets per employee ($millions) | 5.2029% | 1,724 |
| Cash dividends to net income (ytd only)* | 82.1491% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 5,623 |
| Loan loss allowance to noncurrent loans | 79.0992% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,133 |
| Noncurrent loans to loans | 1.3280% | 3,857 |
| Net loans and leases to total assets | 80.5468% | 1,539 |
| Net loans and leases to deposits | 99.0447% | 1,981 |
| Net loans and leases to core deposits | 126.8088% | 2,099 |
| Total domestic deposits to total assets | 81.3237% | 4,498 |
| Equity capital to assets | 8.5661% | 5,985 |
| Core capital (leverage) ratio | 9.1051% | 4,587 |
| Tier 1 risk-based capital ratio | 9.3028% | 7,521 |
| Total risk-based capital ratio | 10.2153% | 7,811 |
| Memoranda: | ||
| Average total assets | $221,997,600 | 2,853 |
| Average earning assets | $206,112,800 | 2,818 |
| Average equity | $19,352,800 | 3,337 |
| Average total loans | $172,965,600 | 2,579 |