Home > Farmers & Merchants State Bank > Performance and Condition Ratios
Farmers & Merchants State 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 | 4.3518% | 3,354 |
| Cost of funding earning assets | 1.6853% | 1,480 |
| Net interest margin | 2.6666% | 3,869 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.0963% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9492% | 2,370 |
| Return on assets (ROA) | 0.9492% | 2,362 |
| Pretax return on assets | 1.1906% | 2,168 |
| Return on Equity (ROE) | 9.9800% | 2,501 |
| Retained earnings to average equity (ytd only) | 6.9549% | 1,904 |
| Net charge-offs to loans | 0.0067% | 2,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 214.6923% | 563 |
| Efficiency ratio | 63.7768% | 2,633 |
| Assets per employee ($millions) | 7.9608% | 1,460 |
| Cash dividends to net income (ytd only)* | 30.3371% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,145 |
| Loan loss allowance to noncurrent loans | 836.9718% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 2,722 |
| Noncurrent loans to loans | 0.1463% | 2,783 |
| Net loans and leases to total assets | 83.0400% | 342 |
| Net loans and leases to deposits | 115.2562% | 124 |
| Net loans and leases to core deposits | 120.9672% | 595 |
| Total domestic deposits to total assets | 72.0500% | 4,230 |
| Equity capital to assets | 10.1290% | 1,931 |
| Core capital (leverage) ratio | 10.7095% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $234,413,000 | 2,769 |
| Average earning assets | $224,295,600 | 2,719 |
| Average equity | $22,286,400 | 2,664 |
| Average total loans | $192,737,800 | 2,340 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 3,332 |
| Cost of funding earning assets | 1.6400% | 1,304 |
| Net interest margin | 2.6363% | 3,973 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.0932% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7519% | 3,163 |
| Return on assets (ROA) | 0.7519% | 3,153 |
| Pretax return on assets | 0.9406% | 3,002 |
| Return on Equity (ROE) | 8.0400% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.0378% | 1,957 |
| Net charge-offs to loans | 0.0021% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 553.3333% | 284 |
| Efficiency ratio | 68.9951% | 1,906 |
| Assets per employee ($millions) | 8.0889% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,247 |
| Loan loss allowance to noncurrent loans | 840.8451% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,758 |
| Noncurrent loans to loans | 0.1458% | 2,825 |
| Net loans and leases to total assets | 82.0300% | 434 |
| Net loans and leases to deposits | 113.8437% | 137 |
| Net loans and leases to core deposits | 118.9435% | 581 |
| Total domestic deposits to total assets | 72.0500% | 4,252 |
| Equity capital to assets | 9.6458% | 2,021 |
| Core capital (leverage) ratio | 10.3830% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $235,300,500 | 2,775 |
| Average earning assets | $225,765,750 | 2,718 |
| Average equity | $22,012,000 | 2,678 |
| Average total loans | $192,399,000 | 2,341 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 3,318 |
| Cost of funding earning assets | 1.5580% | 1,151 |
| Net interest margin | 2.6299% | 4,069 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.0956% | 3,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6801% | 3,382 |
| Return on assets (ROA) | 0.6801% | 3,385 |
| Pretax return on assets | 0.9247% | 3,111 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.3463% | 2,177 |
| Net charge-offs to loans | -0.0010% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3843% | 1,826 |
| Assets per employee ($millions) | 8.7997% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,382 |
| Loan loss allowance to noncurrent loans | 841.9014% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,703 |
| Noncurrent loans to loans | 0.1439% | 2,749 |
| Net loans and leases to total assets | 82.0400% | 423 |
| Net loans and leases to deposits | 116.9523% | 115 |
| Net loans and leases to core deposits | 121.4938% | 482 |
| Total domestic deposits to total assets | 70.1500% | 4,358 |
| Equity capital to assets | 9.3892% | 2,238 |
| Core capital (leverage) ratio | 9.8838% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $235,541,333 | 2,782 |
| Average earning assets | $226,697,000 | 2,720 |
| Average equity | $21,807,000 | 2,712 |
| Average total loans | $191,595,333 | 2,344 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,352 |
| Cost of funding earning assets | 1.3543% | 1,123 |
| Net interest margin | 2.6998% | 4,074 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.1576% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6703% | 3,530 |
| Return on assets (ROA) | 0.6703% | 3,488 |
| Pretax return on assets | 0.9125% | 3,203 |
| Return on Equity (ROE) | 7.2900% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.2925% | 2,423 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.2778% | 1,722 |
| Assets per employee ($millions) | 8.7147% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,503 |
| Loan loss allowance to noncurrent loans | 841.9014% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,703 |
| Noncurrent loans to loans | 0.1437% | 2,777 |
| Net loans and leases to total assets | 80.0200% | 541 |
| Net loans and leases to deposits | 112.4664% | 147 |
| Net loans and leases to core deposits | 116.2349% | 530 |
| Total domestic deposits to total assets | 71.1500% | 4,386 |
| Equity capital to assets | 8.9692% | 2,549 |
| Core capital (leverage) ratio | 9.9873% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $234,516,000 | 2,822 |
| Average earning assets | $225,939,000 | 2,766 |
| Average equity | $21,556,500 | 2,755 |
| Average total loans | $188,740,000 | 2,382 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 2,880 |
| Cost of funding earning assets | 0.4822% | 1,515 |
| Net interest margin | 3.0895% | 3,204 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.2231% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0094% | 2,533 |
| Return on assets (ROA) | 1.0094% | 2,486 |
| Pretax return on assets | 1.3775% | 1,832 |
| Return on Equity (ROE) | 10.0900% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.6649% | 3,511 |
| Net charge-offs to loans | 0.0047% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 375.1250% | 414 |
| Efficiency ratio | 61.7415% | 2,798 |
| Assets per employee ($millions) | 8.0364% | 1,300 |
| Cash dividends to net income (ytd only)* | 63.6653% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,763 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.8500% | 712 |
| Net loans and leases to deposits | 102.7715% | 343 |
| Net loans and leases to core deposits | 105.3746% | 774 |
| Total domestic deposits to total assets | 76.7300% | 4,199 |
| Equity capital to assets | 9.4334% | 2,061 |
| Core capital (leverage) ratio | 10.3582% | 2,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,850,800 | 2,918 |
| Average earning assets | $210,294,400 | 2,858 |
| Average equity | $21,801,600 | 2,786 |
| Average total loans | $169,728,400 | 2,458 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 2,747 |
| Cost of funding earning assets | 0.3769% | 1,463 |
| Net interest margin | 3.0845% | 2,979 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.2703% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9855% | 2,526 |
| Return on assets (ROA) | 0.9855% | 2,500 |
| Pretax return on assets | 1.3471% | 1,899 |
| Return on Equity (ROE) | 9.7000% | 2,814 |
| Retained earnings to average equity (ytd only) | 9.7027% | 1,429 |
| Net charge-offs to loans | 0.0064% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 272.8750% | 509 |
| Efficiency ratio | 62.7602% | 2,720 |
| Assets per employee ($millions) | 7.5664% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,569 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.0100% | 912 |
| Net loans and leases to deposits | 95.0435% | 593 |
| Net loans and leases to core deposits | 96.4310% | 981 |
| Total domestic deposits to total assets | 79.9800% | 4,101 |
| Equity capital to assets | 9.9638% | 1,647 |
| Core capital (leverage) ratio | 10.8481% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,058,500 | 2,959 |
| Average earning assets | $208,739,000 | 2,890 |
| Average equity | $21,945,250 | 2,826 |
| Average total loans | $167,204,000 | 2,480 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 2,493 |
| Cost of funding earning assets | 0.3428% | 1,340 |
| Net interest margin | 3.0366% | 2,775 |
| Noninterest income to average assets | 0.6681% | 1,470 |
| Noninterest expense to average assets | 2.3319% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9305% | 2,444 |
| Return on assets (ROA) | 0.9305% | 2,424 |
| Pretax return on assets | 1.2711% | 1,838 |
| Return on Equity (ROE) | 9.1022% | 2,664 |
| Retained earnings to average equity (ytd only) | 9.1022% | 1,257 |
| Net charge-offs to loans | 0.0036% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 455.3333% | 277 |
| Efficiency ratio | 64.7211% | 2,677 |
| Assets per employee ($millions) | 7.4619% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.6142% | 850 |
| Net loans and leases to deposits | 92.7110% | 572 |
| Net loans and leases to core deposits | 93.1375% | 965 |
| Total domestic deposits to total assets | 80.4804% | 4,183 |
| Equity capital to assets | 9.7728% | 1,836 |
| Core capital (leverage) ratio | 10.5797% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,936,333 | 2,989 |
| Average earning assets | $207,729,000 | 2,932 |
| Average equity | $21,972,667 | 2,897 |
| Average total loans | $166,545,667 | 2,496 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 2,092 |
| Cost of funding earning assets | 0.3420% | 1,274 |
| Net interest margin | 3.0548% | 2,312 |
| Noninterest income to average assets | 0.6614% | 1,445 |
| Noninterest expense to average assets | 2.4402% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8590% | 2,456 |
| Return on assets (ROA) | 0.8590% | 2,447 |
| Pretax return on assets | 1.1745% | 1,902 |
| Return on Equity (ROE) | 8.2105% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.2105% | 1,516 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5079% | 2,566 |
| Assets per employee ($millions) | 6.2597% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 76.3047% | 490 |
| Net loans and leases to deposits | 93.7726% | 373 |
| Net loans and leases to core deposits | 95.0681% | 689 |
| Total domestic deposits to total assets | 81.3721% | 4,157 |
| Equity capital to assets | 10.2607% | 1,716 |
| Core capital (leverage) ratio | 10.7399% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,476,000 | 3,039 |
| Average earning assets | $203,481,000 | 2,981 |
| Average equity | $22,020,500 | 2,989 |
| Average total loans | $165,106,500 | 2,509 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 2,172 |
| Cost of funding earning assets | 0.4608% | 1,123 |
| Net interest margin | 3.2209% | 2,551 |
| Noninterest income to average assets | 0.8675% | 1,287 |
| Noninterest expense to average assets | 2.2842% | 2,836 |
| Loan and lease loss provision to assets | 0.0585% | 1,889 |
| Net operating income to assets | 1.1982% | 1,930 |
| Return on assets (ROA) | 1.1982% | 1,981 |
| Pretax return on assets | 1.6434% | 1,300 |
| Return on Equity (ROE) | 10.9932% | 2,169 |
| Retained earnings to average equity (ytd only) | 4.1029% | 3,185 |
| Net charge-offs to loans | 0.0018% | 2,585 |
| Credit loss provision to net charge-offs | 4,000.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,163.3333% | 124 |
| Efficiency ratio | 57.3036% | 3,546 |
| Assets per employee ($millions) | 6.7136% | 2,144 |
| Cash dividends to net income (ytd only)* | 62.6781% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 78.3280% | 363 |
| Net loans and leases to deposits | 96.9635% | 282 |
| Net loans and leases to core deposits | 98.3832% | 595 |
| Total domestic deposits to total assets | 80.7809% | 4,132 |
| Equity capital to assets | 10.6683% | 2,032 |
| Core capital (leverage) ratio | 10.5309% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,064,400 | 3,026 |
| Average earning assets | $198,548,000 | 2,964 |
| Average equity | $22,350,200 | 3,030 |
| Average total loans | $166,564,800 | 2,497 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 2,435 |
| Cost of funding earning assets | 0.4920% | 1,085 |
| Net interest margin | 3.1540% | 2,883 |
| Noninterest income to average assets | 0.9039% | 1,247 |
| Noninterest expense to average assets | 2.2913% | 2,779 |
| Loan and lease loss provision to assets | 0.0587% | 1,816 |
| Net operating income to assets | 1.1721% | 2,264 |
| Return on assets (ROA) | 1.1721% | 2,325 |
| Pretax return on assets | 1.6081% | 1,674 |
| Return on Equity (ROE) | 10.6964% | 2,479 |
| Retained earnings to average equity (ytd only) | 10.6964% | 1,123 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8895% | 3,276 |
| Assets per employee ($millions) | 6.9621% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 78.8335% | 355 |
| Net loans and leases to deposits | 98.2247% | 270 |
| Net loans and leases to core deposits | 99.6623% | 601 |
| Total domestic deposits to total assets | 80.2584% | 4,192 |
| Equity capital to assets | 11.0948% | 1,948 |
| Core capital (leverage) ratio | 11.2205% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,300,250 | 3,069 |
| Average earning assets | $197,839,500 | 3,007 |
| Average equity | $22,387,000 | 3,060 |
| Average total loans | $166,852,250 | 2,533 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 2,378 |
| Cost of funding earning assets | 0.5265% | 1,055 |
| Net interest margin | 3.1588% | 2,874 |
| Noninterest income to average assets | 0.9774% | 1,110 |
| Noninterest expense to average assets | 2.3050% | 2,763 |
| Loan and lease loss provision to assets | 0.0592% | 1,845 |
| Net operating income to assets | 1.2191% | 2,111 |
| Return on assets (ROA) | 1.2191% | 2,192 |
| Pretax return on assets | 1.6728% | 1,550 |
| Return on Equity (ROE) | 11.1729% | 2,365 |
| Retained earnings to average equity (ytd only) | 11.1729% | 1,084 |
| Net charge-offs to loans | 0.0012% | 2,191 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,756.0000% | 64 |
| Efficiency ratio | 57.0975% | 3,393 |
| Assets per employee ($millions) | 6.5554% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 82.0326% | 218 |
| Net loans and leases to deposits | 102.7274% | 205 |
| Net loans and leases to core deposits | 104.8578% | 506 |
| Total domestic deposits to total assets | 79.8546% | 4,252 |
| Equity capital to assets | 11.1678% | 1,860 |
| Core capital (leverage) ratio | 11.0830% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,779,333 | 3,077 |
| Average earning assets | $196,400,667 | 3,015 |
| Average equity | $22,125,000 | 3,078 |
| Average total loans | $166,794,667 | 2,537 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 2,101 |
| Cost of funding earning assets | 0.5565% | 1,068 |
| Net interest margin | 3.2432% | 2,568 |
| Noninterest income to average assets | 1.1730% | 885 |
| Noninterest expense to average assets | 2.3914% | 2,514 |
| Loan and lease loss provision to assets | 0.0592% | 1,941 |
| Net operating income to assets | 1.3566% | 1,671 |
| Return on assets (ROA) | 1.3566% | 1,760 |
| Pretax return on assets | 1.8641% | 1,169 |
| Return on Equity (ROE) | 12.5824% | 1,800 |
| Retained earnings to average equity (ytd only) | 12.5824% | 1,006 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4233% | 3,615 |
| Assets per employee ($millions) | 6.9181% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 2,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 79.1528% | 388 |
| Net loans and leases to deposits | 100.9891% | 259 |
| Net loans and leases to core deposits | 103.0784% | 599 |
| Total domestic deposits to total assets | 78.3775% | 4,398 |
| Equity capital to assets | 10.6667% | 2,118 |
| Core capital (leverage) ratio | 10.9642% | 1,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,560,000 | 3,069 |
| Average earning assets | $196,228,000 | 3,010 |
| Average equity | $21,840,000 | 3,090 |
| Average total loans | $165,669,500 | 2,547 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 2,236 |
| Cost of funding earning assets | 0.7724% | 1,331 |
| Net interest margin | 3.3949% | 2,799 |
| Noninterest income to average assets | 1.5208% | 526 |
| Noninterest expense to average assets | 2.4759% | 2,922 |
| Loan and lease loss provision to assets | 0.1289% | 2,749 |
| Net operating income to assets | 1.6085% | 624 |
| Return on assets (ROA) | 1.6085% | 683 |
| Pretax return on assets | 2.2093% | 297 |
| Return on Equity (ROE) | 14.7121% | 688 |
| Retained earnings to average equity (ytd only) | 6.2216% | 1,697 |
| Net charge-offs to loans | 0.0025% | 3,302 |
| Credit loss provision to net charge-offs | 6,250.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,133.5000% | 98 |
| Efficiency ratio | 51.4301% | 4,423 |
| Assets per employee ($millions) | 6.8130% | 1,702 |
| Cash dividends to net income (ytd only)* | 57.7108% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.2317% | 276 |
| Net loans and leases to deposits | 105.2103% | 239 |
| Net loans and leases to core deposits | 107.0000% | 604 |
| Total domestic deposits to total assets | 78.1594% | 4,301 |
| Equity capital to assets | 10.9031% | 2,338 |
| Core capital (leverage) ratio | 10.7892% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,907,000 | 2,994 |
| Average earning assets | $188,103,400 | 2,928 |
| Average equity | $21,200,200 | 3,081 |
| Average total loans | $159,755,200 | 2,565 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 2,485 |
| Cost of funding earning assets | 0.8197% | 1,399 |
| Net interest margin | 3.3449% | 3,053 |
| Noninterest income to average assets | 1.4266% | 561 |
| Noninterest expense to average assets | 2.5051% | 2,824 |
| Loan and lease loss provision to assets | 0.1207% | 2,822 |
| Net operating income to assets | 1.4923% | 925 |
| Return on assets (ROA) | 1.4923% | 1,006 |
| Pretax return on assets | 2.0484% | 474 |
| Return on Equity (ROE) | 13.6394% | 951 |
| Retained earnings to average equity (ytd only) | 13.6394% | 271 |
| Net charge-offs to loans | 0.0042% | 3,007 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 628.0000% | 194 |
| Efficiency ratio | 53.5915% | 4,195 |
| Assets per employee ($millions) | 6.8297% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.1730% | 344 |
| Net loans and leases to deposits | 111.8364% | 197 |
| Net loans and leases to core deposits | 113.5632% | 574 |
| Total domestic deposits to total assets | 74.3703% | 4,547 |
| Equity capital to assets | 10.9326% | 2,441 |
| Core capital (leverage) ratio | 11.2112% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,989,500 | 2,977 |
| Average earning assets | $187,387,750 | 2,913 |
| Average equity | $21,114,750 | 3,079 |
| Average total loans | $158,506,000 | 2,584 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 2,785 |
| Cost of funding earning assets | 0.8758% | 1,480 |
| Net interest margin | 3.3187% | 3,335 |
| Noninterest income to average assets | 1.0845% | 848 |
| Noninterest expense to average assets | 2.4875% | 2,995 |
| Loan and lease loss provision to assets | 0.1058% | 2,953 |
| Net operating income to assets | 1.2475% | 1,502 |
| Return on assets (ROA) | 1.2475% | 1,616 |
| Pretax return on assets | 1.7109% | 978 |
| Return on Equity (ROE) | 11.3988% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.3988% | 549 |
| Net charge-offs to loans | 0.0039% | 2,841 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 572.3333% | 177 |
| Efficiency ratio | 57.7925% | 3,720 |
| Assets per employee ($millions) | 6.7562% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 81.5311% | 452 |
| Net loans and leases to deposits | 110.9572% | 215 |
| Net loans and leases to core deposits | 112.9927% | 634 |
| Total domestic deposits to total assets | 73.4798% | 4,624 |
| Equity capital to assets | 10.5591% | 2,702 |
| Core capital (leverage) ratio | 10.8894% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,022,333 | 3,000 |
| Average earning assets | $183,383,667 | 2,924 |
| Average equity | $20,686,333 | 3,112 |
| Average total loans | $153,801,333 | 2,625 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 3,065 |
| Cost of funding earning assets | 0.9535% | 1,636 |
| Net interest margin | 3.2977% | 3,600 |
| Noninterest income to average assets | 0.8431% | 1,181 |
| Noninterest expense to average assets | 2.5907% | 3,002 |
| Loan and lease loss provision to assets | 0.0549% | 3,079 |
| Net operating income to assets | 1.0209% | 2,108 |
| Return on assets (ROA) | 1.0209% | 2,211 |
| Pretax return on assets | 1.3941% | 1,580 |
| Return on Equity (ROE) | 9.1497% | 2,048 |
| Retained earnings to average equity (ytd only) | 9.1497% | 928 |
| Net charge-offs to loans | 0.0027% | 2,499 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 660.0000% | 91 |
| Efficiency ratio | 64.1304% | 3,216 |
| Assets per employee ($millions) | 5.7846% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,718 |
| Loan loss allowance to noncurrent loans | 205,900.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,659 |
| Noncurrent loans to loans | 0.0007% | 4,592 |
| Net loans and leases to total assets | 78.6036% | 888 |
| Net loans and leases to deposits | 106.4227% | 280 |
| Net loans and leases to core deposits | 109.1073% | 896 |
| Total domestic deposits to total assets | 73.8598% | 4,670 |
| Equity capital to assets | 11.1374% | 2,742 |
| Core capital (leverage) ratio | 11.3525% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,190,000 | 3,027 |
| Average earning assets | $176,609,500 | 2,950 |
| Average equity | $20,328,500 | 3,144 |
| Average total loans | $147,009,500 | 2,662 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 2,760 |
| Cost of funding earning assets | 0.9640% | 1,888 |
| Net interest margin | 3.5926% | 3,157 |
| Noninterest income to average assets | 0.7561% | 1,603 |
| Noninterest expense to average assets | 2.3990% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3360% | 1,560 |
| Return on assets (ROA) | 1.3293% | 1,666 |
| Pretax return on assets | 1.8191% | 891 |
| Return on Equity (ROE) | 11.9423% | 1,537 |
| Retained earnings to average equity (ytd only) | 5.3667% | 2,239 |
| Net charge-offs to loans | -0.4634% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7604% | 4,113 |
| Assets per employee ($millions) | 5.6023% | 1,973 |
| Cash dividends to net income (ytd only)* | 55.0614% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,562 |
| Loan loss allowance to noncurrent loans | 203,500.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,699 |
| Noncurrent loans to loans | 0.0007% | 4,616 |
| Net loans and leases to total assets | 80.5610% | 719 |
| Net loans and leases to deposits | 105.2714% | 325 |
| Net loans and leases to core deposits | 107.5087% | 1,008 |
| Total domestic deposits to total assets | 76.5270% | 4,542 |
| Equity capital to assets | 11.1790% | 2,833 |
| Core capital (leverage) ratio | 11.1510% | 2,374 |
| Tier 1 risk-based capital ratio | 13.3485% | 3,610 |
| Total risk-based capital ratio | 14.6036% | 3,492 |
| Memoranda: | ||
| Average total assets | $177,612,400 | 3,046 |
| Average earning assets | $171,573,200 | 2,967 |
| Average equity | $19,770,000 | 3,154 |
| Average total loans | $143,277,800 | 2,687 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 2,853 |
| Cost of funding earning assets | 0.9731% | 1,878 |
| Net interest margin | 3.5892% | 3,283 |
| Noninterest income to average assets | 0.7261% | 1,678 |
| Noninterest expense to average assets | 2.3566% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3447% | 1,659 |
| Return on assets (ROA) | 1.3311% | 1,790 |
| Pretax return on assets | 1.8186% | 1,042 |
| Return on Equity (ROE) | 11.9713% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.9713% | 387 |
| Net charge-offs to loans | -0.4885% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2096% | 4,151 |
| Assets per employee ($millions) | 5.5149% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 78.7227% | 1,029 |
| Net loans and leases to deposits | 104.4593% | 388 |
| Net loans and leases to core deposits | 105.5925% | 1,216 |
| Total domestic deposits to total assets | 75.3621% | 4,709 |
| Equity capital to assets | 11.3950% | 2,741 |
| Core capital (leverage) ratio | 11.4907% | 2,227 |
| Tier 1 risk-based capital ratio | 13.8025% | 3,423 |
| Total risk-based capital ratio | 15.0566% | 3,335 |
| Memoranda: | ||
| Average total assets | $177,197,000 | 3,078 |
| Average earning assets | $171,140,750 | 2,994 |
| Average equity | $19,702,250 | 3,180 |
| Average total loans | $142,482,250 | 2,719 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 2,805 |
| Cost of funding earning assets | 0.9639% | 1,849 |
| Net interest margin | 3.5959% | 3,271 |
| Noninterest income to average assets | 0.6378% | 1,984 |
| Noninterest expense to average assets | 2.3451% | 3,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2941% | 1,797 |
| Return on assets (ROA) | 1.2734% | 1,933 |
| Pretax return on assets | 1.7381% | 1,192 |
| Return on Equity (ROE) | 11.5514% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.5514% | 470 |
| Net charge-offs to loans | -0.7388% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0676% | 4,122 |
| Assets per employee ($millions) | 6.0631% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,722 |
| Loan loss allowance to noncurrent loans | 442.3077% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 3,598 |
| Noncurrent loans to loans | 0.3106% | 3,429 |
| Net loans and leases to total assets | 77.1639% | 1,363 |
| Net loans and leases to deposits | 106.5604% | 319 |
| Net loans and leases to core deposits | 107.7648% | 1,117 |
| Total domestic deposits to total assets | 72.4133% | 4,951 |
| Equity capital to assets | 10.9867% | 3,073 |
| Core capital (leverage) ratio | 11.2011% | 2,419 |
| Tier 1 risk-based capital ratio | 13.5886% | 3,534 |
| Total risk-based capital ratio | 14.8423% | 3,425 |
| Memoranda: | ||
| Average total assets | $175,598,670 | 3,105 |
| Average earning assets | $169,527,000 | 3,024 |
| Average equity | $19,357,000 | 3,211 |
| Average total loans | $141,589,000 | 2,747 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 2,045 |
| Cost of funding earning assets | 0.9187% | 1,923 |
| Net interest margin | 3.8359% | 2,398 |
| Noninterest income to average assets | 0.5891% | 2,100 |
| Noninterest expense to average assets | 2.4540% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3430% | 1,545 |
| Return on assets (ROA) | 1.3430% | 1,586 |
| Pretax return on assets | 1.8347% | 900 |
| Return on Equity (ROE) | 12.1616% | 1,477 |
| Retained earnings to average equity (ytd only) | 12.1616% | 585 |
| Net charge-offs to loans | -0.4928% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2201% | 4,183 |
| Assets per employee ($millions) | 5.9382% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,620 |
| Loan loss allowance to noncurrent loans | 218.5104% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 2,575 |
| Noncurrent loans to loans | 0.6473% | 2,397 |
| Net loans and leases to total assets | 78.0551% | 1,135 |
| Net loans and leases to deposits | 106.4766% | 309 |
| Net loans and leases to core deposits | 107.0594% | 1,098 |
| Total domestic deposits to total assets | 73.3073% | 4,980 |
| Equity capital to assets | 10.8916% | 2,962 |
| Core capital (leverage) ratio | 11.1792% | 2,407 |
| Tier 1 risk-based capital ratio | 13.6150% | 3,547 |
| Total risk-based capital ratio | 14.8668% | 3,460 |
| Memoranda: | ||
| Average total assets | $172,452,000 | 3,166 |
| Average earning assets | $166,322,500 | 3,098 |
| Average equity | $19,043,500 | 3,258 |
| Average total loans | $141,228,500 | 2,786 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,407 |
| Cost of funding earning assets | 0.7071% | 2,050 |
| Net interest margin | 3.5037% | 3,693 |
| Noninterest income to average assets | 0.6851% | 1,907 |
| Noninterest expense to average assets | 2.3570% | 3,979 |
| Loan and lease loss provision to assets | 0.0435% | 3,312 |
| Net operating income to assets | 1.2107% | 2,118 |
| Return on assets (ROA) | 1.2107% | 2,113 |
| Pretax return on assets | 1.6591% | 1,279 |
| Return on Equity (ROE) | 11.1131% | 2,039 |
| Retained earnings to average equity (ytd only) | 4.1854% | 3,248 |
| Net charge-offs to loans | 0.1001% | 1,759 |
| Credit loss provision to net charge-offs | 50.6757% | 3,179 |
| Earnings coverage of net charge-offs (x) | 19.8311% | 2,037 |
| Efficiency ratio | 58.0594% | 4,150 |
| Assets per employee ($millions) | 5.3793% | 2,080 |
| Cash dividends to net income (ytd only)* | 62.3383% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,106 |
| Loan loss allowance to noncurrent loans | 161.8667% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 2,037 |
| Noncurrent loans to loans | 0.7956% | 2,014 |
| Net loans and leases to total assets | 83.7075% | 441 |
| Net loans and leases to deposits | 116.4756% | 142 |
| Net loans and leases to core deposits | 117.1619% | 645 |
| Total domestic deposits to total assets | 71.8670% | 5,080 |
| Equity capital to assets | 11.2043% | 2,509 |
| Core capital (leverage) ratio | 11.3470% | 2,225 |
| Tier 1 risk-based capital ratio | 13.1981% | 3,726 |
| Total risk-based capital ratio | 14.4487% | 3,608 |
| Memoranda: | ||
| Average total assets | $172,379,600 | 3,148 |
| Average earning assets | $166,023,600 | 3,065 |
| Average equity | $18,779,600 | 3,202 |
| Average total loans | $147,789,000 | 2,673 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 3,359 |
| Cost of funding earning assets | 0.6978% | 1,855 |
| Net interest margin | 3.4912% | 3,720 |
| Noninterest income to average assets | 0.6797% | 1,941 |
| Noninterest expense to average assets | 2.3692% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2183% | 2,160 |
| Return on assets (ROA) | 1.2183% | 2,161 |
| Pretax return on assets | 1.6771% | 1,329 |
| Return on Equity (ROE) | 11.2600% | 2,065 |
| Retained earnings to average equity (ytd only) | 11.2600% | 597 |
| Net charge-offs to loans | 0.1330% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 14.6712% | 2,277 |
| Efficiency ratio | 58.5514% | 4,030 |
| Assets per employee ($millions) | 5.0816% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,560 |
| Loan loss allowance to noncurrent loans | 190.9190% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 2,557 |
| Noncurrent loans to loans | 0.6347% | 2,494 |
| Net loans and leases to total assets | 84.8270% | 373 |
| Net loans and leases to deposits | 119.6305% | 104 |
| Net loans and leases to core deposits | 120.6216% | 558 |
| Total domestic deposits to total assets | 70.9076% | 5,184 |
| Equity capital to assets | 11.7083% | 2,095 |
| Core capital (leverage) ratio | 11.6233% | 2,069 |
| Tier 1 risk-based capital ratio | 13.6126% | 3,567 |
| Total risk-based capital ratio | 14.8175% | 3,501 |
| Memoranda: | ||
| Average total assets | $173,785,000 | 3,151 |
| Average earning assets | $167,580,000 | 3,077 |
| Average equity | $18,803,500 | 3,223 |
| Average total loans | $149,383,750 | 2,666 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,661 |
| Cost of funding earning assets | 0.6794% | 1,744 |
| Net interest margin | 3.3571% | 4,085 |
| Noninterest income to average assets | 0.6757% | 1,970 |
| Noninterest expense to average assets | 2.3832% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1023% | 2,574 |
| Return on assets (ROA) | 1.1023% | 2,581 |
| Pretax return on assets | 1.5300% | 1,708 |
| Return on Equity (ROE) | 10.4606% | 2,356 |
| Retained earnings to average equity (ytd only) | 10.4606% | 805 |
| Net charge-offs to loans | 0.1931% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.2123% | 2,409 |
| Efficiency ratio | 60.9012% | 3,781 |
| Assets per employee ($millions) | 5.2980% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,893 |
| Loan loss allowance to noncurrent loans | 161.9092% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,372 |
| Noncurrent loans to loans | 0.7215% | 2,308 |
| Net loans and leases to total assets | 84.5430% | 400 |
| Net loans and leases to deposits | 118.7707% | 121 |
| Net loans and leases to core deposits | 119.7105% | 571 |
| Total domestic deposits to total assets | 71.1816% | 5,225 |
| Equity capital to assets | 10.8847% | 2,746 |
| Core capital (leverage) ratio | 10.8626% | 2,645 |
| Tier 1 risk-based capital ratio | 12.7675% | 4,030 |
| Total risk-based capital ratio | 13.9356% | 3,974 |
| Memoranda: | ||
| Average total assets | $175,815,670 | 3,138 |
| Average earning assets | $169,551,330 | 3,068 |
| Average equity | $18,526,670 | 3,273 |
| Average total loans | $151,180,330 | 2,653 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,652 |
| Cost of funding earning assets | 0.6497% | 1,716 |
| Net interest margin | 3.3378% | 4,087 |
| Noninterest income to average assets | 0.6716% | 1,949 |
| Noninterest expense to average assets | 2.3777% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0368% | 2,704 |
| Return on assets (ROA) | 1.0368% | 2,720 |
| Pretax return on assets | 1.5110% | 1,663 |
| Return on Equity (ROE) | 10.0027% | 2,422 |
| Retained earnings to average equity (ytd only) | 10.0027% | 1,150 |
| Net charge-offs to loans | 0.3842% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.5616% | 2,292 |
| Efficiency ratio | 61.1435% | 3,925 |
| Assets per employee ($millions) | 5.3236% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,100 |
| Loan loss allowance to noncurrent loans | 146.0317% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 2,073 |
| Noncurrent loans to loans | 0.7862% | 2,245 |
| Net loans and leases to total assets | 85.6682% | 286 |
| Net loans and leases to deposits | 117.6350% | 138 |
| Net loans and leases to core deposits | 121.1324% | 552 |
| Total domestic deposits to total assets | 72.8254% | 5,228 |
| Equity capital to assets | 10.5448% | 3,030 |
| Core capital (leverage) ratio | 10.6495% | 2,797 |
| Tier 1 risk-based capital ratio | 12.2090% | 4,427 |
| Total risk-based capital ratio | 13.3575% | 4,379 |
| Memoranda: | ||
| Average total assets | $176,307,000 | 3,172 |
| Average earning assets | $169,931,500 | 3,099 |
| Average equity | $18,275,000 | 3,329 |
| Average total loans | $151,992,500 | 2,663 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,478 |
| Cost of funding earning assets | 0.5983% | 1,605 |
| Net interest margin | 3.3803% | 3,909 |
| Noninterest income to average assets | 0.6192% | 2,352 |
| Noninterest expense to average assets | 2.2924% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9570% | 2,415 |
| Return on assets (ROA) | 0.9570% | 2,449 |
| Pretax return on assets | 1.5854% | 1,335 |
| Return on Equity (ROE) | 9.1022% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.1576% | 3,408 |
| Net charge-offs to loans | 0.0795% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 23.5086% | 1,804 |
| Efficiency ratio | 59.1154% | 4,396 |
| Assets per employee ($millions) | 5.5292% | 1,903 |
| Cash dividends to net income (ytd only)* | 65.3098% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,484 |
| Loan loss allowance to noncurrent loans | 129.3716% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 1,886 |
| Noncurrent loans to loans | 0.9648% | 1,833 |
| Net loans and leases to total assets | 84.6876% | 373 |
| Net loans and leases to deposits | 115.3305% | 159 |
| Net loans and leases to core deposits | 115.9292% | 725 |
| Total domestic deposits to total assets | 73.4304% | 5,234 |
| Equity capital to assets | 10.1874% | 3,505 |
| Core capital (leverage) ratio | 10.3389% | 3,029 |
| Tier 1 risk-based capital ratio | 12.0050% | 4,521 |
| Total risk-based capital ratio | 13.2548% | 4,409 |
| Memoranda: | ||
| Average total assets | $172,003,200 | 3,223 |
| Average earning assets | $165,813,800 | 3,132 |
| Average equity | $18,083,600 | 3,352 |
| Average total loans | $145,902,800 | 2,700 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,551 |
| Cost of funding earning assets | 0.5820% | 1,659 |
| Net interest margin | 3.3585% | 3,985 |
| Noninterest income to average assets | 0.6059% | 2,443 |
| Noninterest expense to average assets | 2.3813% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9166% | 2,939 |
| Return on assets (ROA) | 0.9166% | 3,003 |
| Pretax return on assets | 1.4639% | 1,903 |
| Return on Equity (ROE) | 8.6488% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.6488% | 965 |
| Net charge-offs to loans | 0.1071% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.1641% | 2,178 |
| Efficiency ratio | 61.9289% | 3,896 |
| Assets per employee ($millions) | 5.4619% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,573 |
| Loan loss allowance to noncurrent loans | 183.7864% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 2,812 |
| Noncurrent loans to loans | 0.6861% | 2,650 |
| Net loans and leases to total assets | 82.2389% | 644 |
| Net loans and leases to deposits | 111.7242% | 223 |
| Net loans and leases to core deposits | 112.3100% | 913 |
| Total domestic deposits to total assets | 73.6088% | 5,267 |
| Equity capital to assets | 10.3944% | 3,485 |
| Core capital (leverage) ratio | 10.9000% | 2,549 |
| Tier 1 risk-based capital ratio | 12.5248% | 4,302 |
| Total risk-based capital ratio | 13.7748% | 4,209 |
| Memoranda: | ||
| Average total assets | $170,770,250 | 3,261 |
| Average earning assets | $164,713,750 | 3,172 |
| Average equity | $18,098,250 | 3,379 |
| Average total loans | $144,444,500 | 2,735 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,333 |
| Cost of funding earning assets | 0.5688% | 1,658 |
| Net interest margin | 3.3967% | 3,781 |
| Noninterest income to average assets | 0.5966% | 2,478 |
| Noninterest expense to average assets | 2.4175% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9069% | 2,881 |
| Return on assets (ROA) | 0.9069% | 2,928 |
| Pretax return on assets | 1.4498% | 1,823 |
| Return on Equity (ROE) | 8.4983% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.4983% | 998 |
| Net charge-offs to loans | -0.0098% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5116% | 3,905 |
| Assets per employee ($millions) | 5.1046% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,888 |
| Loan loss allowance to noncurrent loans | 147.1189% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 2,174 |
| Noncurrent loans to loans | 0.9613% | 2,039 |
| Net loans and leases to total assets | 83.4641% | 489 |
| Net loans and leases to deposits | 114.7571% | 185 |
| Net loans and leases to core deposits | 115.6473% | 729 |
| Total domestic deposits to total assets | 72.7311% | 5,410 |
| Equity capital to assets | 10.8755% | 2,944 |
| Core capital (leverage) ratio | 11.0334% | 2,370 |
| Tier 1 risk-based capital ratio | 12.9493% | 4,034 |
| Total risk-based capital ratio | 14.2015% | 3,949 |
| Memoranda: | ||
| Average total assets | $167,613,000 | 3,311 |
| Average earning assets | $161,393,670 | 3,219 |
| Average equity | $17,886,000 | 3,411 |
| Average total loans | $142,552,000 | 2,764 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,272 |
| Cost of funding earning assets | 0.5603% | 1,644 |
| Net interest margin | 3.3715% | 3,754 |
| Noninterest income to average assets | 0.5574% | 2,623 |
| Noninterest expense to average assets | 2.4522% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8397% | 3,043 |
| Return on assets (ROA) | 0.8397% | 3,090 |
| Pretax return on assets | 1.3445% | 2,078 |
| Return on Equity (ROE) | 7.9461% | 2,950 |
| Retained earnings to average equity (ytd only) | 7.9461% | 1,483 |
| Net charge-offs to loans | 0.0028% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 97 |
| Efficiency ratio | 64.5873% | 3,732 |
| Assets per employee ($millions) | 5.4154% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,073 |
| Loan loss allowance to noncurrent loans | 117.9683% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,797 |
| Noncurrent loans to loans | 1.1871% | 1,703 |
| Net loans and leases to total assets | 84.2587% | 339 |
| Net loans and leases to deposits | 115.5693% | 127 |
| Net loans and leases to core deposits | 116.2197% | 588 |
| Total domestic deposits to total assets | 72.9075% | 5,495 |
| Equity capital to assets | 10.6429% | 3,022 |
| Core capital (leverage) ratio | 10.7355% | 2,655 |
| Tier 1 risk-based capital ratio | 12.6389% | 4,301 |
| Total risk-based capital ratio | 13.8911% | 4,206 |
| Memoranda: | ||
| Average total assets | $167,193,500 | 3,341 |
| Average earning assets | $160,639,500 | 3,256 |
| Average equity | $17,669,000 | 3,460 |
| Average total loans | $142,521,000 | 2,779 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,034 |
| Cost of funding earning assets | 0.6140% | 1,247 |
| Net interest margin | 3.4330% | 3,695 |
| Noninterest income to average assets | 0.6675% | 2,332 |
| Noninterest expense to average assets | 2.3407% | 4,450 |
| Loan and lease loss provision to assets | 0.0060% | 4,238 |
| Net operating income to assets | 1.0056% | 2,332 |
| Return on assets (ROA) | 1.0257% | 2,341 |
| Pretax return on assets | 1.6359% | 1,177 |
| Return on Equity (ROE) | 9.2960% | 2,275 |
| Retained earnings to average equity (ytd only) | -1.7160% | 5,509 |
| Net charge-offs to loans | 0.0206% | 3,639 |
| Credit loss provision to net charge-offs | 35.7143% | 3,542 |
| Earnings coverage of net charge-offs (x) | 95.3929% | 626 |
| Efficiency ratio | 59.2400% | 4,695 |
| Assets per employee ($millions) | 5.0458% | 2,340 |
| Cash dividends to net income (ytd only)* | 118.4597% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 2,002 |
| Loan loss allowance to noncurrent loans | 137.3889% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 2,151 |
| Noncurrent loans to loans | 1.0333% | 2,009 |
| Net loans and leases to total assets | 83.8220% | 398 |
| Net loans and leases to deposits | 115.1138% | 141 |
| Net loans and leases to core deposits | 116.2858% | 605 |
| Total domestic deposits to total assets | 72.8166% | 5,509 |
| Equity capital to assets | 10.4925% | 3,165 |
| Core capital (leverage) ratio | 10.7683% | 2,566 |
| Tier 1 risk-based capital ratio | 12.3633% | 4,468 |
| Total risk-based capital ratio | 13.6148% | 4,347 |
| Memoranda: | ||
| Average total assets | $165,845,400 | 3,336 |
| Average earning assets | $158,635,400 | 3,262 |
| Average equity | $18,298,200 | 3,372 |
| Average total loans | $135,869,200 | 2,832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,091 |
| Cost of funding earning assets | 0.6333% | 1,120 |
| Net interest margin | 3.4021% | 3,830 |
| Noninterest income to average assets | 0.6583% | 2,370 |
| Noninterest expense to average assets | 2.3515% | 4,407 |
| Loan and lease loss provision to assets | 0.0080% | 4,072 |
| Net operating income to assets | 0.9759% | 2,542 |
| Return on assets (ROA) | 1.0027% | 2,556 |
| Pretax return on assets | 1.5958% | 1,388 |
| Return on Equity (ROE) | 8.9775% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.1489% | 1,112 |
| Net charge-offs to loans | -0.0020% | 4,495 |
| Credit loss provision to net charge-offs | -500.0000% | 5,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0864% | 4,528 |
| Assets per employee ($millions) | 4.9139% | 2,474 |
| Cash dividends to net income (ytd only)* | 9.2296% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,837 |
| Loan loss allowance to noncurrent loans | 115.3846% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 1,875 |
| Noncurrent loans to loans | 1.2825% | 1,743 |
| Net loans and leases to total assets | 83.7537% | 428 |
| Net loans and leases to deposits | 119.8519% | 111 |
| Net loans and leases to core deposits | 121.4749% | 465 |
| Total domestic deposits to total assets | 69.8810% | 5,702 |
| Equity capital to assets | 11.7538% | 2,301 |
| Core capital (leverage) ratio | 11.7183% | 1,871 |
| Tier 1 risk-based capital ratio | 13.2552% | 4,004 |
| Total risk-based capital ratio | 14.5076% | 3,914 |
| Memoranda: | ||
| Average total assets | $165,679,250 | 3,350 |
| Average earning assets | $158,524,750 | 3,276 |
| Average equity | $18,505,000 | 3,366 |
| Average total loans | $134,441,000 | 2,861 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,340 |
| Cost of funding earning assets | 0.6515% | 1,051 |
| Net interest margin | 3.3203% | 4,157 |
| Noninterest income to average assets | 0.6029% | 2,604 |
| Noninterest expense to average assets | 2.3182% | 4,554 |
| Loan and lease loss provision to assets | 0.0120% | 3,866 |
| Net operating income to assets | 0.9154% | 2,790 |
| Return on assets (ROA) | 0.9553% | 2,749 |
| Pretax return on assets | 1.5115% | 1,638 |
| Return on Equity (ROE) | 8.7009% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.4454% | 1,412 |
| Net charge-offs to loans | -0.0030% | 4,429 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3384% | 4,453 |
| Assets per employee ($millions) | 5.1796% | 2,109 |
| Cash dividends to net income (ytd only)* | 14.4291% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,819 |
| Loan loss allowance to noncurrent loans | 111.7744% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 1,922 |
| Noncurrent loans to loans | 1.3518% | 1,661 |
| Net loans and leases to total assets | 80.2644% | 857 |
| Net loans and leases to deposits | 117.4298% | 131 |
| Net loans and leases to core deposits | 119.6659% | 522 |
| Total domestic deposits to total assets | 68.3510% | 5,831 |
| Equity capital to assets | 11.2431% | 2,802 |
| Core capital (leverage) ratio | 11.2018% | 2,232 |
| Tier 1 risk-based capital ratio | 13.7672% | 3,739 |
| Total risk-based capital ratio | 15.0206% | 3,657 |
| Memoranda: | ||
| Average total assets | $166,852,330 | 3,356 |
| Average earning assets | $159,625,330 | 3,273 |
| Average equity | $18,320,000 | 3,398 |
| Average total loans | $133,303,000 | 2,878 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,295 |
| Cost of funding earning assets | 0.6547% | 1,027 |
| Net interest margin | 3.3237% | 4,132 |
| Noninterest income to average assets | 0.5902% | 2,591 |
| Noninterest expense to average assets | 2.3273% | 4,584 |
| Loan and lease loss provision to assets | 0.0239% | 3,373 |
| Net operating income to assets | 0.8969% | 2,768 |
| Return on assets (ROA) | 0.9749% | 2,508 |
| Pretax return on assets | 1.5388% | 1,476 |
| Return on Equity (ROE) | 8.9855% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.9855% | 1,123 |
| Net charge-offs to loans | -0.0030% | 4,176 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7628% | 4,479 |
| Assets per employee ($millions) | 4.8960% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,825 |
| Loan loss allowance to noncurrent loans | 92.5170% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.3246% | 1,615 |
| Noncurrent loans to loans | 1.6647% | 1,360 |
| Net loans and leases to total assets | 78.3447% | 1,055 |
| Net loans and leases to deposits | 114.0619% | 150 |
| Net loans and leases to core deposits | 116.2064% | 581 |
| Total domestic deposits to total assets | 68.6861% | 5,907 |
| Equity capital to assets | 11.0229% | 2,913 |
| Core capital (leverage) ratio | 10.9281% | 2,467 |
| Tier 1 risk-based capital ratio | 13.7528% | 3,835 |
| Total risk-based capital ratio | 15.0065% | 3,769 |
| Memoranda: | ||
| Average total assets | $167,405,500 | 3,366 |
| Average earning assets | $160,061,500 | 3,283 |
| Average equity | $18,162,500 | 3,418 |
| Average total loans | $132,416,500 | 2,898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,020 |
| Cost of funding earning assets | 0.6627% | 1,002 |
| Net interest margin | 3.4124% | 3,863 |
| Noninterest income to average assets | 0.6011% | 2,708 |
| Noninterest expense to average assets | 2.4889% | 4,257 |
| Loan and lease loss provision to assets | 0.0920% | 2,464 |
| Net operating income to assets | 0.8558% | 3,085 |
| Return on assets (ROA) | 0.8562% | 3,155 |
| Pretax return on assets | 1.2770% | 2,371 |
| Return on Equity (ROE) | 7.8592% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.0591% | 3,123 |
| Net charge-offs to loans | 0.1122% | 2,254 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 14.8733% | 2,256 |
| Efficiency ratio | 64.5254% | 4,162 |
| Assets per employee ($millions) | 4.9514% | 2,418 |
| Cash dividends to net income (ytd only)* | 48.3524% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 1,857 |
| Loan loss allowance to noncurrent loans | 99.8031% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,797 |
| Noncurrent loans to loans | 1.5350% | 1,508 |
| Net loans and leases to total assets | 77.4289% | 1,195 |
| Net loans and leases to deposits | 112.3755% | 196 |
| Net loans and leases to core deposits | 114.4546% | 660 |
| Total domestic deposits to total assets | 68.9019% | 5,947 |
| Equity capital to assets | 10.6779% | 3,157 |
| Core capital (leverage) ratio | 10.7503% | 2,660 |
| Tier 1 risk-based capital ratio | 13.4142% | 4,047 |
| Total risk-based capital ratio | 14.6679% | 3,988 |
| Memoranda: | ||
| Average total assets | $163,041,600 | 3,391 |
| Average earning assets | $155,581,800 | 3,325 |
| Average equity | $17,762,600 | 3,412 |
| Average total loans | $133,711,600 | 2,829 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1261% | 2,826 |
| Cost of funding earning assets | 0.6622% | 1,019 |
| Net interest margin | 3.4639% | 3,702 |
| Noninterest income to average assets | 0.6076% | 2,699 |
| Noninterest expense to average assets | 2.5592% | 4,017 |
| Loan and lease loss provision to assets | 0.1237% | 1,842 |
| Net operating income to assets | 0.8503% | 3,172 |
| Return on assets (ROA) | 0.8509% | 3,257 |
| Pretax return on assets | 1.2334% | 2,685 |
| Return on Equity (ROE) | 7.7698% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.2640% | 2,084 |
| Net charge-offs to loans | 0.1502% | 1,634 |
| Credit loss provision to net charge-offs | 99.3377% | 2,312 |
| Earnings coverage of net charge-offs (x) | 10.8940% | 2,551 |
| Efficiency ratio | 65.3611% | 3,997 |
| Assets per employee ($millions) | 4.6787% | 2,730 |
| Cash dividends to net income (ytd only)* | 19.3798% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 2,059 |
| Loan loss allowance to noncurrent loans | 87.4838% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.6590% | 1,320 |
| Noncurrent loans to loans | 1.7402% | 1,375 |
| Net loans and leases to total assets | 82.4229% | 533 |
| Net loans and leases to deposits | 116.2223% | 149 |
| Net loans and leases to core deposits | 118.4385% | 518 |
| Total domestic deposits to total assets | 70.9183% | 5,926 |
| Equity capital to assets | 11.3939% | 2,594 |
| Core capital (leverage) ratio | 11.1556% | 2,344 |
| Tier 1 risk-based capital ratio | 13.7275% | 4,006 |
| Total risk-based capital ratio | 14.9811% | 3,940 |
| Memoranda: | ||
| Average total assets | $161,715,000 | 3,442 |
| Average earning assets | $154,428,000 | 3,362 |
| Average equity | $17,709,250 | 3,448 |
| Average total loans | $134,045,000 | 2,835 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 2,772 |
| Cost of funding earning assets | 0.6727% | 977 |
| Net interest margin | 3.4639% | 3,647 |
| Noninterest income to average assets | 0.5990% | 2,748 |
| Noninterest expense to average assets | 2.5831% | 3,966 |
| Loan and lease loss provision to assets | 0.1230% | 1,793 |
| Net operating income to assets | 0.8257% | 3,240 |
| Return on assets (ROA) | 0.8266% | 3,349 |
| Pretax return on assets | 1.2005% | 2,774 |
| Return on Equity (ROE) | 7.6491% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.3726% | 2,623 |
| Net charge-offs to loans | 0.1265% | 1,743 |
| Credit loss provision to net charge-offs | 117.6471% | 1,831 |
| Earnings coverage of net charge-offs (x) | 12.6471% | 2,189 |
| Efficiency ratio | 66.1417% | 3,982 |
| Assets per employee ($millions) | 4.4751% | 3,023 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 2,198 |
| Loan loss allowance to noncurrent loans | 106.9074% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 1,825 |
| Noncurrent loans to loans | 1.4236% | 1,882 |
| Net loans and leases to total assets | 82.0543% | 550 |
| Net loans and leases to deposits | 116.1362% | 145 |
| Net loans and leases to core deposits | 119.0072% | 494 |
| Total domestic deposits to total assets | 70.6536% | 6,011 |
| Equity capital to assets | 11.0159% | 2,867 |
| Core capital (leverage) ratio | 10.8349% | 2,574 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,503 |
| Total risk-based capital ratio | 14.2818% | 4,420 |
| Memoranda: | ||
| Average total assets | $162,594,670 | 3,459 |
| Average earning assets | $155,202,000 | 3,375 |
| Average equity | $17,570,670 | 3,483 |
| Average total loans | $134,346,000 | 2,843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0887% | 2,879 |
| Cost of funding earning assets | 0.6780% | 961 |
| Net interest margin | 3.4106% | 3,800 |
| Noninterest income to average assets | 0.5755% | 2,798 |
| Noninterest expense to average assets | 2.6080% | 3,894 |
| Loan and lease loss provision to assets | 0.1224% | 1,699 |
| Net operating income to assets | 0.7477% | 3,550 |
| Return on assets (ROA) | 0.7494% | 3,676 |
| Pretax return on assets | 1.0995% | 3,083 |
| Return on Equity (ROE) | 7.0013% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.0013% | 2,014 |
| Net charge-offs to loans | -0.0060% | 4,547 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1382% | 3,802 |
| Assets per employee ($millions) | 4.5230% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 2,265 |
| Loan loss allowance to noncurrent loans | 97.2872% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 1,751 |
| Noncurrent loans to loans | 1.5863% | 1,762 |
| Net loans and leases to total assets | 81.4946% | 517 |
| Net loans and leases to deposits | 114.2926% | 155 |
| Net loans and leases to core deposits | 116.4429% | 513 |
| Total domestic deposits to total assets | 71.3035% | 6,072 |
| Equity capital to assets | 10.8298% | 3,168 |
| Core capital (leverage) ratio | 10.6642% | 2,782 |
| Tier 1 risk-based capital ratio | 12.8280% | 4,711 |
| Total risk-based capital ratio | 14.0812% | 4,622 |
| Memoranda: | ||
| Average total assets | $163,340,500 | 3,463 |
| Average earning assets | $155,748,000 | 3,383 |
| Average equity | $17,482,500 | 3,524 |
| Average total loans | $134,401,500 | 2,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,334 |
| Cost of funding earning assets | 0.7086% | 1,055 |
| Net interest margin | 3.3903% | 4,236 |
| Noninterest income to average assets | 0.5240% | 3,332 |
| Noninterest expense to average assets | 2.4891% | 4,584 |
| Loan and lease loss provision to assets | 0.1216% | 2,153 |
| Net operating income to assets | 0.7382% | 3,688 |
| Return on assets (ROA) | 0.7446% | 3,753 |
| Pretax return on assets | 1.1306% | 2,962 |
| Return on Equity (ROE) | 6.9665% | 3,658 |
| Retained earnings to average equity (ytd only) | 0.2104% | 5,683 |
| Net charge-offs to loans | 0.3358% | 1,308 |
| Credit loss provision to net charge-offs | 46.4037% | 3,559 |
| Earnings coverage of net charge-offs (x) | 4.7425% | 3,576 |
| Efficiency ratio | 66.7047% | 4,109 |
| Assets per employee ($millions) | 4.4285% | 3,152 |
| Cash dividends to net income (ytd only)* | 96.9796% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 2,415 |
| Loan loss allowance to noncurrent loans | 109.3851% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.6680% | 1,614 |
| Noncurrent loans to loans | 1.3833% | 2,119 |
| Net loans and leases to total assets | 80.5594% | 661 |
| Net loans and leases to deposits | 112.3444% | 186 |
| Net loans and leases to core deposits | 114.6272% | 573 |
| Total domestic deposits to total assets | 71.7076% | 6,101 |
| Equity capital to assets | 10.5772% | 3,391 |
| Core capital (leverage) ratio | 10.5534% | 2,894 |
| Tier 1 risk-based capital ratio | 11.7329% | 5,528 |
| Total risk-based capital ratio | 12.9845% | 5,434 |
| Memoranda: | ||
| Average total assets | $164,517,400 | 3,420 |
| Average earning assets | $155,648,600 | 3,349 |
| Average equity | $17,584,200 | 3,442 |
| Average total loans | $128,339,600 | 2,897 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,553 |
| Cost of funding earning assets | 0.7101% | 1,108 |
| Net interest margin | 3.3415% | 4,464 |
| Noninterest income to average assets | 0.5165% | 3,432 |
| Noninterest expense to average assets | 2.5244% | 4,449 |
| Loan and lease loss provision to assets | 0.1619% | 1,537 |
| Net operating income to assets | 0.6598% | 4,161 |
| Return on assets (ROA) | 0.6598% | 4,263 |
| Pretax return on assets | 0.9885% | 3,637 |
| Return on Equity (ROE) | 6.1575% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.6464% | 3,328 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6935% | 3,727 |
| Assets per employee ($millions) | 4.4072% | 3,121 |
| Cash dividends to net income (ytd only)* | 24.5399% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 1,500 |
| Loan loss allowance to noncurrent loans | 99.7971% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.1335% | 1,311 |
| Noncurrent loans to loans | 1.8850% | 1,695 |
| Net loans and leases to total assets | 78.6516% | 876 |
| Net loans and leases to deposits | 110.4590% | 206 |
| Net loans and leases to core deposits | 112.3951% | 644 |
| Total domestic deposits to total assets | 71.2043% | 6,222 |
| Equity capital to assets | 11.0152% | 2,944 |
| Core capital (leverage) ratio | 10.9048% | 2,575 |
| Tier 1 risk-based capital ratio | 13.5561% | 4,503 |
| Total risk-based capital ratio | 14.8142% | 4,439 |
| Memoranda: | ||
| Average total assets | $164,683,500 | 3,444 |
| Average earning assets | $155,656,250 | 3,368 |
| Average equity | $17,647,500 | 3,456 |
| Average total loans | $126,917,750 | 2,933 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,794 |
| Cost of funding earning assets | 0.7101% | 1,139 |
| Net interest margin | 3.2738% | 4,688 |
| Noninterest income to average assets | 0.5738% | 2,968 |
| Noninterest expense to average assets | 2.5747% | 4,333 |
| Loan and lease loss provision to assets | 0.1816% | 1,351 |
| Net operating income to assets | 0.6125% | 4,300 |
| Return on assets (ROA) | 0.6125% | 4,389 |
| Pretax return on assets | 0.9091% | 3,853 |
| Return on Equity (ROE) | 5.7688% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.4886% | 3,984 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2444% | 3,616 |
| Assets per employee ($millions) | 4.3299% | 3,211 |
| Cash dividends to net income (ytd only)* | 39.5257% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 1,670 |
| Loan loss allowance to noncurrent loans | 95.4816% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 1,385 |
| Noncurrent loans to loans | 1.9506% | 1,737 |
| Net loans and leases to total assets | 77.1480% | 1,030 |
| Net loans and leases to deposits | 112.6766% | 155 |
| Net loans and leases to core deposits | 114.4412% | 521 |
| Total domestic deposits to total assets | 68.4685% | 6,407 |
| Equity capital to assets | 10.7404% | 3,154 |
| Core capital (leverage) ratio | 10.8720% | 2,556 |
| Tier 1 risk-based capital ratio | 13.3883% | 4,655 |
| Total risk-based capital ratio | 14.6461% | 4,602 |
| Memoranda: | ||
| Average total assets | $165,222,670 | 3,455 |
| Average earning assets | $156,028,000 | 3,375 |
| Average equity | $17,542,670 | 3,471 |
| Average total loans | $125,652,670 | 2,953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,839 |
| Cost of funding earning assets | 0.7160% | 1,146 |
| Net interest margin | 3.2476% | 4,748 |
| Noninterest income to average assets | 0.5605% | 2,980 |
| Noninterest expense to average assets | 2.7107% | 3,901 |
| Loan and lease loss provision to assets | 0.1812% | 1,323 |
| Net operating income to assets | 0.5074% | 4,656 |
| Return on assets (ROA) | 0.5074% | 4,738 |
| Pretax return on assets | 0.7369% | 4,366 |
| Return on Equity (ROE) | 4.8060% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.8060% | 3,225 |
| Net charge-offs to loans | -0.0129% | 5,146 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7004% | 3,018 |
| Assets per employee ($millions) | 4.4722% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 1,718 |
| Loan loss allowance to noncurrent loans | 91.3281% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 1,449 |
| Noncurrent loans to loans | 2.0922% | 1,766 |
| Net loans and leases to total assets | 74.5477% | 1,181 |
| Net loans and leases to deposits | 104.6692% | 270 |
| Net loans and leases to core deposits | 107.0526% | 716 |
| Total domestic deposits to total assets | 71.2222% | 6,396 |
| Equity capital to assets | 10.9119% | 2,808 |
| Core capital (leverage) ratio | 10.3841% | 3,071 |
| Tier 1 risk-based capital ratio | 13.8015% | 4,468 |
| Total risk-based capital ratio | 15.0581% | 4,418 |
| Memoranda: | ||
| Average total assets | $165,565,500 | 3,473 |
| Average earning assets | $156,421,500 | 3,398 |
| Average equity | $17,478,000 | 3,483 |
| Average total loans | $123,806,000 | 2,994 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,452 |
| Cost of funding earning assets | 0.7501% | 1,494 |
| Net interest margin | 3.4212% | 4,198 |
| Noninterest income to average assets | 0.5830% | 3,192 |
| Noninterest expense to average assets | 2.6179% | 4,397 |
| Loan and lease loss provision to assets | 0.2148% | 1,701 |
| Net operating income to assets | 0.6597% | 3,991 |
| Return on assets (ROA) | 0.6597% | 4,089 |
| Pretax return on assets | 0.9776% | 3,441 |
| Return on Equity (ROE) | 6.2059% | 3,971 |
| Retained earnings to average equity (ytd only) | 2.9096% | 4,174 |
| Net charge-offs to loans | 0.1418% | 3,389 |
| Credit loss provision to net charge-offs | 202.3121% | 1,131 |
| Earnings coverage of net charge-offs (x) | 11.2312% | 2,257 |
| Efficiency ratio | 68.7067% | 4,063 |
| Assets per employee ($millions) | 4.5982% | 2,720 |
| Cash dividends to net income (ytd only)* | 53.1163% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 2,059 |
| Loan loss allowance to noncurrent loans | 111.6658% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 2,000 |
| Noncurrent loans to loans | 1.6151% | 2,484 |
| Net loans and leases to total assets | 72.2933% | 1,642 |
| Net loans and leases to deposits | 99.1991% | 519 |
| Net loans and leases to core deposits | 101.2796% | 1,071 |
| Total domestic deposits to total assets | 72.8769% | 6,369 |
| Equity capital to assets | 10.2203% | 3,482 |
| Core capital (leverage) ratio | 10.5789% | 2,807 |
| Tier 1 risk-based capital ratio | 13.3984% | 4,721 |
| Total risk-based capital ratio | 14.6544% | 4,667 |
| Memoranda: | ||
| Average total assets | $162,952,800 | 3,515 |
| Average earning assets | $153,715,800 | 3,440 |
| Average equity | $17,322,200 | 3,515 |
| Average total loans | $122,019,800 | 3,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 3,406 |
| Cost of funding earning assets | 0.7571% | 1,557 |
| Net interest margin | 3.4367% | 4,137 |
| Noninterest income to average assets | 0.5891% | 3,228 |
| Noninterest expense to average assets | 2.7070% | 3,996 |
| Loan and lease loss provision to assets | 0.2896% | 1,188 |
| Net operating income to assets | 0.5725% | 4,460 |
| Return on assets (ROA) | 0.5725% | 4,604 |
| Pretax return on assets | 0.8298% | 4,187 |
| Return on Equity (ROE) | 5.3314% | 4,547 |
| Retained earnings to average equity (ytd only) | 5.3314% | 2,850 |
| Net charge-offs to loans | 0.1573% | 2,980 |
| Credit loss provision to net charge-offs | 244.7552% | 1,009 |
| Earnings coverage of net charge-offs (x) | 9.4616% | 2,483 |
| Efficiency ratio | 70.7459% | 3,638 |
| Assets per employee ($millions) | 4.2899% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,210 |
| Loan loss allowance to noncurrent loans | 95.9748% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 1,818 |
| Noncurrent loans to loans | 1.9052% | 2,361 |
| Net loans and leases to total assets | 77.4265% | 816 |
| Net loans and leases to deposits | 109.3838% | 162 |
| Net loans and leases to core deposits | 111.9149% | 511 |
| Total domestic deposits to total assets | 70.7842% | 6,559 |
| Equity capital to assets | 11.0788% | 2,689 |
| Core capital (leverage) ratio | 10.9370% | 2,542 |
| Tier 1 risk-based capital ratio | 13.8189% | 4,559 |
| Total risk-based capital ratio | 15.0205% | 4,545 |
| Memoranda: | ||
| Average total assets | $161,158,000 | 3,580 |
| Average earning assets | $151,809,000 | 3,503 |
| Average equity | $17,305,750 | 3,562 |
| Average total loans | $121,211,500 | 3,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 3,614 |
| Cost of funding earning assets | 0.7614% | 1,640 |
| Net interest margin | 3.3724% | 4,297 |
| Noninterest income to average assets | 0.7767% | 2,292 |
| Noninterest expense to average assets | 2.8191% | 3,611 |
| Loan and lease loss provision to assets | 0.3704% | 881 |
| Net operating income to assets | 0.5310% | 4,662 |
| Return on assets (ROA) | 0.5310% | 4,827 |
| Pretax return on assets | 0.7594% | 4,471 |
| Return on Equity (ROE) | 4.9963% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.9963% | 3,058 |
| Net charge-offs to loans | 0.2285% | 2,359 |
| Credit loss provision to net charge-offs | 218.9781% | 1,108 |
| Earnings coverage of net charge-offs (x) | 6.6788% | 2,674 |
| Efficiency ratio | 71.3884% | 3,580 |
| Assets per employee ($millions) | 4.2218% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 2,355 |
| Loan loss allowance to noncurrent loans | 84.5893% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.5095% | 1,687 |
| Noncurrent loans to loans | 2.1549% | 2,227 |
| Net loans and leases to total assets | 77.4083% | 814 |
| Net loans and leases to deposits | 106.9919% | 199 |
| Net loans and leases to core deposits | 109.4528% | 582 |
| Total domestic deposits to total assets | 72.3497% | 6,543 |
| Equity capital to assets | 11.1070% | 2,653 |
| Core capital (leverage) ratio | 10.8959% | 2,459 |
| Tier 1 risk-based capital ratio | 13.8077% | 4,558 |
| Total risk-based capital ratio | 15.0657% | 4,520 |
| Memoranda: | ||
| Average total assets | $161,968,670 | 3,580 |
| Average earning assets | $152,355,330 | 3,508 |
| Average equity | $17,212,670 | 3,590 |
| Average total loans | $119,887,000 | 3,070 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,858 |
| Cost of funding earning assets | 0.7762% | 1,666 |
| Net interest margin | 3.2912% | 4,548 |
| Noninterest income to average assets | 0.5824% | 3,234 |
| Noninterest expense to average assets | 2.8754% | 3,439 |
| Loan and lease loss provision to assets | 0.3640% | 890 |
| Net operating income to assets | 0.3324% | 5,434 |
| Return on assets (ROA) | 0.3324% | 5,572 |
| Pretax return on assets | 0.4295% | 5,474 |
| Return on Equity (ROE) | 3.1965% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.1965% | 4,336 |
| Net charge-offs to loans | 0.5649% | 1,076 |
| Credit loss provision to net charge-offs | 89.8204% | 2,028 |
| Earnings coverage of net charge-offs (x) | 1.9581% | 3,183 |
| Efficiency ratio | 78.3730% | 2,554 |
| Assets per employee ($millions) | 4.1267% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 2,876 |
| Loan loss allowance to noncurrent loans | 87.0573% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.6419% | 1,719 |
| Noncurrent loans to loans | 1.9881% | 2,631 |
| Net loans and leases to total assets | 72.8498% | 1,226 |
| Net loans and leases to deposits | 97.9540% | 445 |
| Net loans and leases to core deposits | 100.8507% | 902 |
| Total domestic deposits to total assets | 74.3715% | 6,511 |
| Equity capital to assets | 10.6809% | 3,341 |
| Core capital (leverage) ratio | 10.2300% | 3,106 |
| Tier 1 risk-based capital ratio | 13.6269% | 4,773 |
| Total risk-based capital ratio | 14.8583% | 4,753 |
| Memoranda: | ||
| Average total assets | $164,849,000 | 3,582 |
| Average earning assets | $154,592,000 | 3,521 |
| Average equity | $17,144,000 | 3,643 |
| Average total loans | $118,249,000 | 3,123 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 2,838 |
| Cost of funding earning assets | 0.9793% | 1,472 |
| Net interest margin | 3.6623% | 3,817 |
| Noninterest income to average assets | 0.8071% | 2,235 |
| Noninterest expense to average assets | 2.7331% | 4,277 |
| Loan and lease loss provision to assets | 0.5631% | 1,009 |
| Net operating income to assets | 0.6777% | 3,843 |
| Return on assets (ROA) | 0.6777% | 4,112 |
| Pretax return on assets | 0.9580% | 3,711 |
| Return on Equity (ROE) | 5.9485% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.1831% | 3,986 |
| Net charge-offs to loans | 0.4166% | 2,578 |
| Credit loss provision to net charge-offs | 179.1045% | 1,468 |
| Earnings coverage of net charge-offs (x) | 4.8380% | 3,235 |
| Efficiency ratio | 64.2452% | 4,839 |
| Assets per employee ($millions) | 4.3271% | 3,298 |
| Cash dividends to net income (ytd only)* | 46.4886% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 2,666 |
| Loan loss allowance to noncurrent loans | 114.5845% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 2,375 |
| Noncurrent loans to loans | 1.5505% | 3,295 |
| Net loans and leases to total assets | 68.2079% | 2,151 |
| Net loans and leases to deposits | 90.2282% | 1,058 |
| Net loans and leases to core deposits | 92.7219% | 1,577 |
| Total domestic deposits to total assets | 75.5949% | 6,401 |
| Equity capital to assets | 10.1318% | 3,997 |
| Core capital (leverage) ratio | 11.0005% | 2,252 |
| Tier 1 risk-based capital ratio | 13.4871% | 4,755 |
| Total risk-based capital ratio | 14.7427% | 4,711 |
| Memoranda: | ||
| Average total assets | $149,170,400 | 3,792 |
| Average earning assets | $140,403,400 | 3,718 |
| Average equity | $16,995,800 | 3,632 |
| Average total loans | $112,566,800 | 3,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,539 |
| Cost of funding earning assets | 1.0405% | 1,333 |
| Net interest margin | 3.7189% | 3,711 |
| Noninterest income to average assets | 0.8521% | 2,026 |
| Noninterest expense to average assets | 2.7817% | 4,049 |
| Loan and lease loss provision to assets | 0.7107% | 711 |
| Net operating income to assets | 0.6284% | 4,252 |
| Return on assets (ROA) | 0.6284% | 4,507 |
| Pretax return on assets | 0.8641% | 4,245 |
| Return on Equity (ROE) | 5.3425% | 4,667 |
| Retained earnings to average equity (ytd only) | 5.3425% | 3,130 |
| Net charge-offs to loans | 0.4739% | 2,200 |
| Credit loss provision to net charge-offs | 194.1919% | 1,431 |
| Earnings coverage of net charge-offs (x) | 4.3030% | 3,345 |
| Efficiency ratio | 63.8524% | 4,827 |
| Assets per employee ($millions) | 4.0917% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 2,898 |
| Loan loss allowance to noncurrent loans | 67.4870% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.8343% | 1,855 |
| Noncurrent loans to loans | 2.6237% | 2,166 |
| Net loans and leases to total assets | 78.4869% | 673 |
| Net loans and leases to deposits | 109.1524% | 175 |
| Net loans and leases to core deposits | 112.5200% | 480 |
| Total domestic deposits to total assets | 71.9058% | 6,747 |
| Equity capital to assets | 11.7698% | 2,464 |
| Core capital (leverage) ratio | 11.5600% | 1,945 |
| Tier 1 risk-based capital ratio | 14.0856% | 4,466 |
| Total risk-based capital ratio | 15.3416% | 4,421 |
| Memoranda: | ||
| Average total assets | $144,274,000 | 3,916 |
| Average earning assets | $135,951,250 | 3,829 |
| Average equity | $16,970,250 | 3,662 |
| Average total loans | $111,411,750 | 3,292 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 2,846 |
| Cost of funding earning assets | 1.0914% | 1,252 |
| Net interest margin | 3.6273% | 4,155 |
| Noninterest income to average assets | 0.7706% | 2,331 |
| Noninterest expense to average assets | 2.6552% | 4,591 |
| Loan and lease loss provision to assets | 0.9744% | 459 |
| Net operating income to assets | 0.4481% | 5,046 |
| Return on assets (ROA) | 0.4481% | 5,276 |
| Pretax return on assets | 0.5556% | 5,293 |
| Return on Equity (ROE) | 3.8105% | 5,356 |
| Retained earnings to average equity (ytd only) | 3.8105% | 4,081 |
| Net charge-offs to loans | 0.6952% | 1,593 |
| Credit loss provision to net charge-offs | 183.6842% | 1,546 |
| Earnings coverage of net charge-offs (x) | 2.8842% | 3,588 |
| Efficiency ratio | 63.4423% | 4,997 |
| Assets per employee ($millions) | 3.6977% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 2,765 |
| Loan loss allowance to noncurrent loans | 63.5652% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 3.0581% | 1,794 |
| Noncurrent loans to loans | 2.8724% | 2,087 |
| Net loans and leases to total assets | 77.6432% | 767 |
| Net loans and leases to deposits | 101.8817% | 347 |
| Net loans and leases to core deposits | 104.8314% | 802 |
| Total domestic deposits to total assets | 76.2091% | 6,433 |
| Equity capital to assets | 12.0901% | 2,080 |
| Core capital (leverage) ratio | 11.5723% | 1,860 |
| Tier 1 risk-based capital ratio | 14.3853% | 4,184 |
| Total risk-based capital ratio | 15.5986% | 4,170 |
| Memoranda: | ||
| Average total assets | $143,265,000 | 3,947 |
| Average earning assets | $134,868,000 | 3,870 |
| Average equity | $16,848,000 | 3,670 |
| Average total loans | $109,317,000 | 3,354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 3,333 |
| Cost of funding earning assets | 1.1304% | 1,250 |
| Net interest margin | 3.5058% | 4,667 |
| Noninterest income to average assets | 0.7909% | 2,207 |
| Noninterest expense to average assets | 2.6272% | 4,718 |
| Loan and lease loss provision to assets | 1.1477% | 343 |
| Net operating income to assets | 0.3097% | 5,631 |
| Return on assets (ROA) | 0.3097% | 5,795 |
| Pretax return on assets | 0.3180% | 5,935 |
| Return on Equity (ROE) | 2.6702% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.6702% | 4,924 |
| Net charge-offs to loans | 1.3098% | 778 |
| Credit loss provision to net charge-offs | 116.9014% | 2,023 |
| Earnings coverage of net charge-offs (x) | 1.4930% | 3,579 |
| Efficiency ratio | 64.1892% | 4,890 |
| Assets per employee ($millions) | 4.2791% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 3,632 |
| Loan loss allowance to noncurrent loans | 64.4234% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 2.6723% | 2,209 |
| Noncurrent loans to loans | 2.5204% | 2,587 |
| Net loans and leases to total assets | 73.7489% | 1,105 |
| Net loans and leases to deposits | 97.6902% | 452 |
| Net loans and leases to core deposits | 100.4456% | 964 |
| Total domestic deposits to total assets | 75.4926% | 6,593 |
| Equity capital to assets | 11.5526% | 2,394 |
| Core capital (leverage) ratio | 11.2823% | 2,044 |
| Tier 1 risk-based capital ratio | 13.8493% | 4,570 |
| Total risk-based capital ratio | 15.0634% | 4,574 |
| Memoranda: | ||
| Average total assets | $144,641,500 | 3,964 |
| Average earning assets | $136,231,500 | 3,878 |
| Average equity | $16,778,000 | 3,681 |
| Average total loans | $108,412,000 | 3,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 3,584 |
| Cost of funding earning assets | 1.3634% | 1,191 |
| Net interest margin | 3.4873% | 5,194 |
| Noninterest income to average assets | 0.6772% | 2,742 |
| Noninterest expense to average assets | 2.8239% | 4,260 |
| Loan and lease loss provision to assets | 0.6385% | 1,600 |
| Net operating income to assets | 0.4188% | 4,778 |
| Return on assets (ROA) | 0.4188% | 4,964 |
| Pretax return on assets | 0.4772% | 5,055 |
| Return on Equity (ROE) | 3.4176% | 5,113 |
| Retained earnings to average equity (ytd only) | 0.3215% | 5,684 |
| Net charge-offs to loans | 0.9957% | 1,746 |
| Credit loss provision to net charge-offs | 91.9118% | 3,927 |
| Earnings coverage of net charge-offs (x) | 1.6061% | 4,569 |
| Efficiency ratio | 71.6799% | 3,640 |
| Assets per employee ($millions) | 4.1083% | 3,632 |
| Cash dividends to net income (ytd only)* | 90.5923% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,635 |
| Loan loss allowance to noncurrent loans | 72.1636% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.4522% | 2,484 |
| Noncurrent loans to loans | 2.2004% | 2,949 |
| Net loans and leases to total assets | 73.7482% | 1,319 |
| Net loans and leases to deposits | 98.2007% | 548 |
| Net loans and leases to core deposits | 100.4833% | 1,137 |
| Total domestic deposits to total assets | 75.0994% | 6,593 |
| Equity capital to assets | 11.6474% | 2,388 |
| Core capital (leverage) ratio | 11.5019% | 1,889 |
| Tier 1 risk-based capital ratio | 13.5953% | 4,624 |
| Total risk-based capital ratio | 14.8478% | 4,594 |
| Memoranda: | ||
| Average total assets | $137,043,400 | 4,030 |
| Average earning assets | $128,207,600 | 3,966 |
| Average equity | $16,795,600 | 3,609 |
| Average total loans | $95,615,400 | 3,731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 3,695 |
| Cost of funding earning assets | 1.4182% | 1,158 |
| Net interest margin | 3.4490% | 5,397 |
| Noninterest income to average assets | 0.5989% | 3,165 |
| Noninterest expense to average assets | 2.8438% | 4,174 |
| Loan and lease loss provision to assets | 0.7634% | 1,238 |
| Net operating income to assets | 0.2719% | 5,502 |
| Return on assets (ROA) | 0.2719% | 5,662 |
| Pretax return on assets | 0.2138% | 5,871 |
| Return on Equity (ROE) | 2.1894% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.1894% | 5,028 |
| Net charge-offs to loans | 1.3869% | 1,091 |
| Credit loss provision to net charge-offs | 80.4777% | 4,128 |
| Earnings coverage of net charge-offs (x) | 1.0301% | 4,859 |
| Efficiency ratio | 74.4264% | 3,100 |
| Assets per employee ($millions) | 3.8657% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 3,443 |
| Loan loss allowance to noncurrent loans | 66.5557% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.6717% | 2,419 |
| Noncurrent loans to loans | 2.4811% | 2,792 |
| Net loans and leases to total assets | 68.4753% | 2,382 |
| Net loans and leases to deposits | 92.5202% | 965 |
| Net loans and leases to core deposits | 94.7727% | 1,721 |
| Total domestic deposits to total assets | 74.0112% | 6,758 |
| Equity capital to assets | 12.2194% | 2,078 |
| Core capital (leverage) ratio | 11.8169% | 1,817 |
| Tier 1 risk-based capital ratio | 14.3244% | 4,108 |
| Total risk-based capital ratio | 15.5759% | 4,072 |
| Memoranda: | ||
| Average total assets | $135,356,250 | 4,090 |
| Average earning assets | $126,447,000 | 4,030 |
| Average equity | $16,807,500 | 3,616 |
| Average total loans | $92,580,500 | 3,832 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 3,968 |
| Cost of funding earning assets | 1.4780% | 1,079 |
| Net interest margin | 3.3494% | 5,711 |
| Noninterest income to average assets | 0.5220% | 3,687 |
| Noninterest expense to average assets | 2.8206% | 4,345 |
| Loan and lease loss provision to assets | 0.6712% | 1,434 |
| Net operating income to assets | 0.2327% | 5,625 |
| Return on assets (ROA) | 0.2327% | 5,742 |
| Pretax return on assets | 0.1536% | 6,012 |
| Return on Equity (ROE) | 1.8636% | 5,837 |
| Retained earnings to average equity (ytd only) | 1.8636% | 5,051 |
| Net charge-offs to loans | 1.4746% | 1,012 |
| Credit loss provision to net charge-offs | 66.9643% | 4,142 |
| Earnings coverage of net charge-offs (x) | 0.8229% | 4,686 |
| Efficiency ratio | 77.3732% | 2,800 |
| Assets per employee ($millions) | 3.6271% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,424 |
| Loan loss allowance to noncurrent loans | 54.2056% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.2770% | 2,038 |
| Noncurrent loans to loans | 3.0786% | 2,342 |
| Net loans and leases to total assets | 70.6690% | 2,082 |
| Net loans and leases to deposits | 91.0523% | 1,151 |
| Net loans and leases to core deposits | 93.2580% | 1,990 |
| Total domestic deposits to total assets | 77.6136% | 6,353 |
| Equity capital to assets | 12.9228% | 1,558 |
| Core capital (leverage) ratio | 12.0638% | 1,570 |
| Tier 1 risk-based capital ratio | 14.3668% | 3,889 |
| Total risk-based capital ratio | 15.6189% | 3,858 |
| Memoranda: | ||
| Average total assets | $134,087,000 | 4,144 |
| Average earning assets | $125,036,000 | 4,091 |
| Average equity | $16,741,670 | 3,615 |
| Average total loans | $91,143,000 | 3,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 4,171 |
| Cost of funding earning assets | 1.5257% | 1,068 |
| Net interest margin | 3.2504% | 5,920 |
| Noninterest income to average assets | 0.4976% | 3,912 |
| Noninterest expense to average assets | 2.7885% | 4,498 |
| Loan and lease loss provision to assets | 0.5889% | 1,464 |
| Net operating income to assets | 0.2238% | 5,706 |
| Return on assets (ROA) | 0.2238% | 5,768 |
| Pretax return on assets | 0.1502% | 6,054 |
| Return on Equity (ROE) | 1.8230% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.8230% | 5,019 |
| Net charge-offs to loans | 1.5280% | 889 |
| Credit loss provision to net charge-offs | 58.3090% | 3,577 |
| Earnings coverage of net charge-offs (x) | 0.7318% | 4,085 |
| Efficiency ratio | 79.0484% | 2,685 |
| Assets per employee ($millions) | 3.6597% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 3,000 |
| Loan loss allowance to noncurrent loans | 41.9964% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 3.7457% | 1,803 |
| Noncurrent loans to loans | 4.2949% | 1,657 |
| Net loans and leases to total assets | 66.1369% | 2,975 |
| Net loans and leases to deposits | 86.8649% | 1,603 |
| Net loans and leases to core deposits | 88.9812% | 2,484 |
| Total domestic deposits to total assets | 76.1377% | 6,647 |
| Equity capital to assets | 12.3462% | 1,715 |
| Core capital (leverage) ratio | 11.8111% | 1,673 |
| Tier 1 risk-based capital ratio | 14.5584% | 3,699 |
| Total risk-based capital ratio | 15.8109% | 3,661 |
| Memoranda: | ||
| Average total assets | $135,843,000 | 4,139 |
| Average earning assets | $126,631,500 | 4,093 |
| Average equity | $16,675,500 | 3,611 |
| Average total loans | $89,793,500 | 3,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 4,439 |
| Cost of funding earning assets | 1.8084% | 1,137 |
| Net interest margin | 3.2142% | 6,235 |
| Noninterest income to average assets | 0.7122% | 2,772 |
| Noninterest expense to average assets | 2.6412% | 5,258 |
| Loan and lease loss provision to assets | 0.6354% | 2,592 |
| Net operating income to assets | 0.4012% | 4,531 |
| Return on assets (ROA) | 0.4012% | 4,669 |
| Pretax return on assets | 0.4507% | 4,795 |
| Return on Equity (ROE) | 3.2204% | 4,854 |
| Retained earnings to average equity (ytd only) | 0.5516% | 5,301 |
| Net charge-offs to loans | 1.1084% | 2,011 |
| Credit loss provision to net charge-offs | 86.2588% | 5,271 |
| Earnings coverage of net charge-offs (x) | 1.4744% | 4,650 |
| Efficiency ratio | 70.8622% | 4,007 |
| Assets per employee ($millions) | 3.7854% | 4,291 |
| Cash dividends to net income (ytd only)* | 82.8729% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 2,244 |
| Loan loss allowance to noncurrent loans | 39.4964% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 4.6384% | 1,433 |
| Noncurrent loans to loans | 5.1219% | 1,297 |
| Net loans and leases to total assets | 63.5460% | 3,963 |
| Net loans and leases to deposits | 83.6138% | 2,510 |
| Net loans and leases to core deposits | 85.3990% | 3,413 |
| Total domestic deposits to total assets | 75.9994% | 6,635 |
| Equity capital to assets | 12.2054% | 1,787 |
| Core capital (leverage) ratio | 12.0215% | 1,535 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,390 |
| Total risk-based capital ratio | 16.0167% | 3,342 |
| Memoranda: | ||
| Average total assets | $135,352,600 | 4,147 |
| Average earning assets | $126,966,400 | 4,082 |
| Average equity | $16,861,000 | 3,616 |
| Average total loans | $89,950,600 | 4,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 4,377 |
| Cost of funding earning assets | 1.8801% | 1,085 |
| Net interest margin | 3.2086% | 6,310 |
| Noninterest income to average assets | 0.6582% | 3,084 |
| Noninterest expense to average assets | 2.6770% | 4,976 |
| Loan and lease loss provision to assets | 0.6019% | 2,538 |
| Net operating income to assets | 0.3878% | 4,804 |
| Return on assets (ROA) | 0.3878% | 4,987 |
| Pretax return on assets | 0.3986% | 5,220 |
| Return on Equity (ROE) | 3.0972% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.0972% | 4,269 |
| Net charge-offs to loans | 1.3297% | 1,532 |
| Credit loss provision to net charge-offs | 67.7026% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.1254% | 4,926 |
| Efficiency ratio | 72.7931% | 3,558 |
| Assets per employee ($millions) | 3.6720% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 2,892 |
| Loan loss allowance to noncurrent loans | 40.4957% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.9783% | 1,762 |
| Noncurrent loans to loans | 4.3723% | 1,663 |
| Net loans and leases to total assets | 68.5755% | 3,077 |
| Net loans and leases to deposits | 93.0766% | 1,323 |
| Net loans and leases to core deposits | 94.8938% | 2,402 |
| Total domestic deposits to total assets | 73.6764% | 6,962 |
| Equity capital to assets | 12.9719% | 1,590 |
| Core capital (leverage) ratio | 12.1676% | 1,580 |
| Tier 1 risk-based capital ratio | 14.8709% | 3,319 |
| Total risk-based capital ratio | 16.1236% | 3,295 |
| Memoranda: | ||
| Average total assets | $135,121,750 | 4,207 |
| Average earning assets | $127,153,250 | 4,134 |
| Average equity | $16,918,000 | 3,652 |
| Average total loans | $90,341,750 | 4,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 4,887 |
| Cost of funding earning assets | 1.9463% | 1,055 |
| Net interest margin | 3.0669% | 6,687 |
| Noninterest income to average assets | 0.5687% | 3,554 |
| Noninterest expense to average assets | 2.5540% | 5,511 |
| Loan and lease loss provision to assets | 0.6760% | 2,138 |
| Net operating income to assets | 0.2866% | 5,232 |
| Return on assets (ROA) | 0.2866% | 5,383 |
| Pretax return on assets | 0.2263% | 5,711 |
| Return on Equity (ROE) | 2.3157% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.3157% | 4,683 |
| Net charge-offs to loans | 0.0914% | 5,221 |
| Credit loss provision to net charge-offs | 1,121.9512% | 339 |
| Earnings coverage of net charge-offs (x) | 14.9756% | 1,486 |
| Efficiency ratio | 73.8946% | 3,494 |
| Assets per employee ($millions) | 3.7406% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5572% | 1,229 |
| Loan loss allowance to noncurrent loans | 43.4235% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 4.6963% | 1,378 |
| Noncurrent loans to loans | 5.8889% | 1,097 |
| Net loans and leases to total assets | 66.3300% | 3,763 |
| Net loans and leases to deposits | 91.3619% | 1,640 |
| Net loans and leases to core deposits | 93.1377% | 2,828 |
| Total domestic deposits to total assets | 72.6014% | 7,131 |
| Equity capital to assets | 12.5977% | 1,741 |
| Core capital (leverage) ratio | 11.7213% | 1,792 |
| Tier 1 risk-based capital ratio | 14.4186% | 3,485 |
| Total risk-based capital ratio | 15.6786% | 3,447 |
| Memoranda: | ||
| Average total assets | $136,098,000 | 4,209 |
| Average earning assets | $128,143,330 | 4,129 |
| Average equity | $16,841,330 | 3,659 |
| Average total loans | $89,693,670 | 4,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 5,268 |
| Cost of funding earning assets | 2.0006% | 1,081 |
| Net interest margin | 2.9405% | 6,950 |
| Noninterest income to average assets | 0.5760% | 3,449 |
| Noninterest expense to average assets | 2.4500% | 5,911 |
| Loan and lease loss provision to assets | 0.4385% | 2,770 |
| Net operating income to assets | 0.4268% | 4,724 |
| Return on assets (ROA) | 0.4268% | 4,858 |
| Pretax return on assets | 0.4590% | 5,091 |
| Return on Equity (ROE) | 3.4803% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.4803% | 4,061 |
| Net charge-offs to loans | 0.0090% | 5,471 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 215 |
| Efficiency ratio | 73.1878% | 3,728 |
| Assets per employee ($millions) | 3.7708% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3190% | 1,545 |
| Loan loss allowance to noncurrent loans | 35.3513% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 4.6468% | 1,434 |
| Noncurrent loans to loans | 6.5599% | 947 |
| Net loans and leases to total assets | 64.3231% | 4,256 |
| Net loans and leases to deposits | 90.7813% | 1,786 |
| Net loans and leases to core deposits | 92.2370% | 3,076 |
| Total domestic deposits to total assets | 70.8550% | 7,352 |
| Equity capital to assets | 12.4207% | 1,796 |
| Core capital (leverage) ratio | 11.8200% | 1,734 |
| Tier 1 risk-based capital ratio | 14.4680% | 3,398 |
| Total risk-based capital ratio | 15.7253% | 3,360 |
| Memoranda: | ||
| Average total assets | $136,817,000 | 4,253 |
| Average earning assets | $128,959,000 | 4,173 |
| Average equity | $16,780,000 | 3,700 |
| Average total loans | $88,708,500 | 4,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 5,387 |
| Cost of funding earning assets | 2.3191% | 1,584 |
| Net interest margin | 2.9364% | 6,788 |
| Noninterest income to average assets | 0.6074% | 3,573 |
| Noninterest expense to average assets | 2.4754% | 6,220 |
| Loan and lease loss provision to assets | 0.7135% | 2,980 |
| Net operating income to assets | 0.3084% | 4,501 |
| Return on assets (ROA) | 0.3084% | 4,588 |
| Pretax return on assets | 0.1951% | 5,014 |
| Return on Equity (ROE) | 2.5757% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.2633% | 4,975 |
| Credit loss provision to net charge-offs | 425.2137% | 735 |
| Earnings coverage of net charge-offs (x) | 5.4145% | 2,608 |
| Efficiency ratio | 73.1511% | 4,064 |
| Assets per employee ($millions) | 3.8301% | 4,209 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,670 |
| Loan loss allowance to noncurrent loans | 31.6360% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 4.9679% | 1,244 |
| Noncurrent loans to loans | 6.9161% | 822 |
| Net loans and leases to total assets | 62.4433% | 4,905 |
| Net loans and leases to deposits | 86.7559% | 2,781 |
| Net loans and leases to core deposits | 97.8098% | 4,244 |
| Total domestic deposits to total assets | 71.9759% | 7,246 |
| Equity capital to assets | 12.1108% | 1,971 |
| Core capital (leverage) ratio | 11.6836% | 1,823 |
| Tier 1 risk-based capital ratio | 14.4236% | 3,250 |
| Total risk-based capital ratio | 15.6795% | 3,196 |
| Memoranda: | ||
| Average total assets | $139,450,600 | 4,136 |
| Average earning assets | $131,860,400 | 4,048 |
| Average equity | $16,694,400 | 3,731 |
| Average total loans | $88,888,400 | 4,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 4,998 |
| Cost of funding earning assets | 2.3721% | 1,735 |
| Net interest margin | 3.0185% | 6,554 |
| Noninterest income to average assets | 0.6302% | 3,491 |
| Noninterest expense to average assets | 2.4503% | 6,248 |
| Loan and lease loss provision to assets | 0.8200% | 2,323 |
| Net operating income to assets | 0.3232% | 4,705 |
| Return on assets (ROA) | 0.3232% | 4,812 |
| Pretax return on assets | 0.2183% | 5,257 |
| Return on Equity (ROE) | 2.7076% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.5095% | 4,469 |
| Net charge-offs to loans | 0.2334% | 4,595 |
| Credit loss provision to net charge-offs | 551.2821% | 709 |
| Earnings coverage of net charge-offs (x) | 6.9809% | 2,503 |
| Efficiency ratio | 70.2378% | 4,543 |
| Assets per employee ($millions) | 3.7765% | 4,238 |
| Cash dividends to net income (ytd only)* | 44.2488% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 1,482 |
| Loan loss allowance to noncurrent loans | 33.6757% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 4.6023% | 1,313 |
| Noncurrent loans to loans | 6.4329% | 897 |
| Net loans and leases to total assets | 62.0847% | 5,229 |
| Net loans and leases to deposits | 91.2211% | 2,358 |
| Net loans and leases to core deposits | 103.7515% | 3,969 |
| Total domestic deposits to total assets | 68.0595% | 7,563 |
| Equity capital to assets | 12.4727% | 1,974 |
| Core capital (leverage) ratio | 11.7532% | 1,936 |
| Tier 1 risk-based capital ratio | 14.7799% | 3,144 |
| Total risk-based capital ratio | 16.0353% | 3,087 |
| Memoranda: | ||
| Average total assets | $139,842,000 | 4,142 |
| Average earning assets | $132,424,000 | 4,061 |
| Average equity | $16,693,250 | 3,771 |
| Average total loans | $89,104,000 | 4,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 5,066 |
| Cost of funding earning assets | 2.4015% | 1,965 |
| Net interest margin | 3.0131% | 6,516 |
| Noninterest income to average assets | 0.6745% | 3,160 |
| Noninterest expense to average assets | 2.4246% | 6,388 |
| Loan and lease loss provision to assets | 0.9778% | 1,726 |
| Net operating income to assets | 0.2622% | 5,038 |
| Return on assets (ROA) | 0.2622% | 5,136 |
| Pretax return on assets | 0.1275% | 5,607 |
| Return on Equity (ROE) | 2.2282% | 5,208 |
| Retained earnings to average equity (ytd only) | 1.0238% | 4,760 |
| Net charge-offs to loans | 0.2910% | 3,738 |
| Credit loss provision to net charge-offs | 526.7176% | 875 |
| Earnings coverage of net charge-offs (x) | 5.9542% | 2,720 |
| Efficiency ratio | 68.6873% | 5,037 |
| Assets per employee ($millions) | 3.7864% | 4,131 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 1,704 |
| Loan loss allowance to noncurrent loans | 33.7774% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 3.9287% | 1,526 |
| Noncurrent loans to loans | 5.7307% | 981 |
| Net loans and leases to total assets | 62.3425% | 5,298 |
| Net loans and leases to deposits | 89.3678% | 2,925 |
| Net loans and leases to core deposits | 100.8662% | 4,416 |
| Total domestic deposits to total assets | 69.7595% | 7,497 |
| Equity capital to assets | 11.8775% | 2,274 |
| Core capital (leverage) ratio | 11.4352% | 2,113 |
| Tier 1 risk-based capital ratio | 14.3101% | 3,353 |
| Total risk-based capital ratio | 15.5638% | 3,281 |
| Memoranda: | ||
| Average total assets | $141,138,330 | 4,155 |
| Average earning assets | $133,747,670 | 4,072 |
| Average equity | $16,605,330 | 3,793 |
| Average total loans | $90,047,000 | 4,278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5969% | 4,373 |
| Cost of funding earning assets | 2.4455% | 2,122 |
| Net interest margin | 3.1514% | 6,015 |
| Noninterest income to average assets | 0.6692% | 3,080 |
| Noninterest expense to average assets | 2.3719% | 6,284 |
| Loan and lease loss provision to assets | 0.3812% | 3,034 |
| Net operating income to assets | 0.7342% | 3,413 |
| Return on assets (ROA) | 0.7342% | 3,603 |
| Pretax return on assets | 0.9036% | 3,697 |
| Return on Equity (ROE) | 6.2696% | 3,923 |
| Retained earnings to average equity (ytd only) | 6.2696% | 2,514 |
| Net charge-offs to loans | 0.0133% | 5,418 |
| Credit loss provision to net charge-offs | 4,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 151.6667% | 293 |
| Efficiency ratio | 64.8649% | 5,525 |
| Assets per employee ($millions) | 3.9761% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 3,315 |
| Loan loss allowance to noncurrent loans | 64.9149% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.6753% | 3,412 |
| Noncurrent loans to loans | 2.2122% | 2,959 |
| Net loans and leases to total assets | 62.1916% | 5,287 |
| Net loans and leases to deposits | 89.8240% | 2,958 |
| Net loans and leases to core deposits | 101.3595% | 4,406 |
| Total domestic deposits to total assets | 69.2371% | 7,491 |
| Equity capital to assets | 11.7682% | 2,399 |
| Core capital (leverage) ratio | 11.4917% | 2,154 |
| Tier 1 risk-based capital ratio | 14.0910% | 3,530 |
| Total risk-based capital ratio | 15.2110% | 3,538 |
| Memoranda: | ||
| Average total assets | $141,659,000 | 4,157 |
| Average earning assets | $134,289,500 | 4,066 |
| Average equity | $16,588,000 | 3,814 |
| Average total loans | $90,538,500 | 4,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0673% | 5,219 |
| Cost of funding earning assets | 2.8653% | 2,412 |
| Net interest margin | 3.2020% | 6,362 |
| Noninterest income to average assets | 0.4830% | 4,775 |
| Noninterest expense to average assets | 2.2631% | 6,806 |
| Loan and lease loss provision to assets | 0.4365% | 3,107 |
| Net operating income to assets | 0.6765% | 3,999 |
| Return on assets (ROA) | 0.6765% | 3,836 |
| Pretax return on assets | 0.7995% | 4,075 |
| Return on Equity (ROE) | 5.3079% | 4,233 |
| Retained earnings to average equity (ytd only) | -12.3850% | 7,276 |
| Net charge-offs to loans | 0.9503% | 1,302 |
| Credit loss provision to net charge-offs | 69.0449% | 6,085 |
| Earnings coverage of net charge-offs (x) | 1.9551% | 5,088 |
| Efficiency ratio | 64.6778% | 5,399 |
| Assets per employee ($millions) | 3.7886% | 3,982 |
| Cash dividends to net income (ytd only)* | 333.3333% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,902 |
| Loan loss allowance to noncurrent loans | 42.3328% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0346% | 2,420 |
| Noncurrent loans to loans | 3.0322% | 1,764 |
| Net loans and leases to total assets | 63.9145% | 5,287 |
| Net loans and leases to deposits | 94.8798% | 2,639 |
| Net loans and leases to core deposits | 106.7345% | 4,111 |
| Total domestic deposits to total assets | 67.3636% | 7,529 |
| Equity capital to assets | 11.6502% | 2,532 |
| Core capital (leverage) ratio | 11.4569% | 2,281 |
| Tier 1 risk-based capital ratio | 13.7861% | 3,649 |
| Total risk-based capital ratio | 14.7951% | 3,693 |
| Memoranda: | ||
| Average total assets | $137,468,800 | 4,131 |
| Average earning assets | $129,481,600 | 4,050 |
| Average equity | $17,521,200 | 3,639 |
| Average total loans | $91,446,400 | 4,178 |