Home > First Farmers & Merchants Bank > Performance and Condition Ratios
First Farmers & Merchants 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 | 4.1229% | 3,764 |
| Cost of funding earning assets | 1.1800% | 2,856 |
| Net interest margin | 2.9430% | 3,406 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.0041% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1625% | 363 |
| Return on assets (ROA) | 2.1625% | 354 |
| Pretax return on assets | 1.2289% | 2,067 |
| Return on Equity (ROE) | 35.9900% | 117 |
| Retained earnings to average equity (ytd only) | 18.0841% | 189 |
| Net charge-offs to loans | 0.0485% | 1,390 |
| Credit loss provision to net charge-offs | -16.2963% | 4,430 |
| Earnings coverage of net charge-offs (x) | 42.0222% | 1,419 |
| Efficiency ratio | 61.9899% | 2,832 |
| Assets per employee ($millions) | 8.9164% | 1,015 |
| Cash dividends to net income (ytd only)* | 49.7546% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.1600% | 2,929 |
| Net loans and leases to deposits | 69.0772% | 2,947 |
| Net loans and leases to core deposits | 72.7964% | 3,139 |
| Total domestic deposits to total assets | 85.6400% | 2,128 |
| Equity capital to assets | 7.1727% | 3,867 |
| Core capital (leverage) ratio | 9.0720% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6275% | 2,019 |
| Memoranda: | ||
| Average total assets | $461,648,600 | 1,820 |
| Average earning assets | $441,797,200 | 1,770 |
| Average equity | $27,737,000 | 2,379 |
| Average total loans | $278,557,200 | 1,880 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,792 |
| Cost of funding earning assets | 1.1004% | 2,739 |
| Net interest margin | 2.9333% | 3,469 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.0064% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2074% | 1,779 |
| Return on assets (ROA) | 1.2074% | 1,765 |
| Pretax return on assets | 1.2074% | 2,283 |
| Return on Equity (ROE) | 21.1500% | 624 |
| Retained earnings to average equity (ytd only) | 0.9619% | 3,961 |
| Net charge-offs to loans | 0.0663% | 1,010 |
| Credit loss provision to net charge-offs | -15.9420% | 4,479 |
| Earnings coverage of net charge-offs (x) | 30.1159% | 1,593 |
| Efficiency ratio | 62.4299% | 2,669 |
| Assets per employee ($millions) | 8.6202% | 1,072 |
| Cash dividends to net income (ytd only)* | 95.4524% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,297 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.1300% | 2,739 |
| Net loans and leases to deposits | 70.6298% | 2,799 |
| Net loans and leases to core deposits | 74.3975% | 2,970 |
| Total domestic deposits to total assets | 86.5500% | 2,025 |
| Equity capital to assets | 5.7642% | 4,066 |
| Core capital (leverage) ratio | 8.1858% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3584% | 2,493 |
| Memoranda: | ||
| Average total assets | $458,918,250 | 1,828 |
| Average earning assets | $440,083,000 | 1,774 |
| Average equity | $26,197,250 | 2,435 |
| Average total loans | $277,589,250 | 1,885 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,819 |
| Cost of funding earning assets | 0.9950% | 2,620 |
| Net interest margin | 2.9349% | 3,586 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.0200% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2028% | 1,828 |
| Return on assets (ROA) | 1.2028% | 1,815 |
| Pretax return on assets | 1.2028% | 2,350 |
| Return on Equity (ROE) | 21.1400% | 611 |
| Retained earnings to average equity (ytd only) | 3.3880% | 3,379 |
| Net charge-offs to loans | 0.1043% | 661 |
| Credit loss provision to net charge-offs | -15.2778% | 4,508 |
| Earnings coverage of net charge-offs (x) | 19.1944% | 1,750 |
| Efficiency ratio | 62.6789% | 2,629 |
| Assets per employee ($millions) | 8.6407% | 1,028 |
| Cash dividends to net income (ytd only)* | 83.9725% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,326 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.3700% | 2,740 |
| Net loans and leases to deposits | 69.6285% | 2,814 |
| Net loans and leases to core deposits | 72.9678% | 2,963 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | 5.7067% | 4,233 |
| Core capital (leverage) ratio | 8.2420% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5376% | 2,448 |
| Memoranda: | ||
| Average total assets | $459,601,667 | 1,832 |
| Average earning assets | $440,219,667 | 1,782 |
| Average equity | $26,151,333 | 2,456 |
| Average total loans | $276,072,000 | 1,884 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,835 |
| Cost of funding earning assets | 0.7794% | 2,805 |
| Net interest margin | 3.0335% | 3,517 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.9408% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2962% | 1,685 |
| Return on assets (ROA) | 1.2962% | 1,658 |
| Pretax return on assets | 1.2962% | 2,190 |
| Return on Equity (ROE) | 22.8100% | 519 |
| Retained earnings to average equity (ytd only) | -4.2966% | 4,300 |
| Net charge-offs to loans | 0.2142% | 339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.1497% | 1,666 |
| Efficiency ratio | 59.9571% | 2,964 |
| Assets per employee ($millions) | 8.6528% | 1,072 |
| Cash dividends to net income (ytd only)* | 118.8338% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,113.9535% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,224 |
| Noncurrent loans to loans | 0.0936% | 3,082 |
| Net loans and leases to total assets | 59.5000% | 2,714 |
| Net loans and leases to deposits | 68.2957% | 2,747 |
| Net loans and leases to core deposits | 71.3394% | 2,862 |
| Total domestic deposits to total assets | 87.1200% | 2,219 |
| Equity capital to assets | 5.9093% | 4,234 |
| Core capital (leverage) ratio | 8.0728% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4721% | 2,579 |
| Memoranda: | ||
| Average total assets | $460,424,500 | 1,852 |
| Average earning assets | $441,341,500 | 1,801 |
| Average equity | $26,160,000 | 2,479 |
| Average total loans | $274,453,500 | 1,908 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 3,080 |
| Cost of funding earning assets | 0.2693% | 3,161 |
| Net interest margin | 3.2284% | 2,777 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.0297% | 3,503 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.5438% | 789 |
| Return on assets (ROA) | 1.5438% | 763 |
| Pretax return on assets | 1.5438% | 1,311 |
| Return on Equity (ROE) | 18.5600% | 623 |
| Retained earnings to average equity (ytd only) | -34.0380% | 4,714 |
| Net charge-offs to loans | -0.0055% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.3259% | 3,425 |
| Assets per employee ($millions) | 8.7217% | 1,009 |
| Cash dividends to net income (ytd only)* | 283.4185% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,116 |
| Loan loss allowance to noncurrent loans | 605.6962% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,823 |
| Noncurrent loans to loans | 0.1735% | 2,615 |
| Net loans and leases to total assets | 58.4700% | 2,778 |
| Net loans and leases to deposits | 63.5822% | 3,072 |
| Net loans and leases to core deposits | 66.0150% | 3,132 |
| Total domestic deposits to total assets | 91.9600% | 653 |
| Equity capital to assets | 5.4559% | 4,251 |
| Core capital (leverage) ratio | 8.1147% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6259% | 2,519 |
| Memoranda: | ||
| Average total assets | $456,281,400 | 1,840 |
| Average earning assets | $436,723,600 | 1,798 |
| Average equity | $37,957,600 | 2,000 |
| Average total loans | $256,001,600 | 1,908 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 3,190 |
| Cost of funding earning assets | 0.1842% | 3,463 |
| Net interest margin | 3.1101% | 2,902 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.0047% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4371% | 988 |
| Return on assets (ROA) | 1.4371% | 965 |
| Pretax return on assets | 1.4371% | 1,607 |
| Return on Equity (ROE) | 15.8900% | 1,001 |
| Retained earnings to average equity (ytd only) | -47.7586% | 4,753 |
| Net charge-offs to loans | -0.0058% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2453% | 3,359 |
| Assets per employee ($millions) | 8.0750% | 1,285 |
| Cash dividends to net income (ytd only)* | 400.6324% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 2,948 |
| Loan loss allowance to noncurrent loans | 186.1282% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 1,511 |
| Noncurrent loans to loans | 0.5988% | 1,349 |
| Net loans and leases to total assets | 59.2300% | 2,582 |
| Net loans and leases to deposits | 65.8017% | 2,736 |
| Net loans and leases to core deposits | 68.2400% | 2,784 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 5.0029% | 4,297 |
| Core capital (leverage) ratio | 7.8768% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2320% | 2,741 |
| Memoranda: | ||
| Average total assets | $454,789,000 | 1,852 |
| Average earning assets | $435,694,250 | 1,808 |
| Average equity | $41,142,000 | 1,910 |
| Average total loans | $251,712,750 | 1,932 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 3,027 |
| Cost of funding earning assets | 0.1573% | 3,487 |
| Net interest margin | 3.0480% | 2,726 |
| Noninterest income to average assets | 0.5052% | 2,172 |
| Noninterest expense to average assets | 1.9901% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4331% | 828 |
| Return on assets (ROA) | 1.4331% | 811 |
| Pretax return on assets | 1.4331% | 1,349 |
| Return on Equity (ROE) | 13.8011% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.3211% | 1,874 |
| Net charge-offs to loans | -0.0065% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1357% | 3,541 |
| Assets per employee ($millions) | 8.5503% | 1,045 |
| Cash dividends to net income (ytd only)* | 46.9525% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,734 |
| Loan loss allowance to noncurrent loans | 126.4990% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 1,106 |
| Noncurrent loans to loans | 0.9413% | 890 |
| Net loans and leases to total assets | 54.2223% | 2,939 |
| Net loans and leases to deposits | 60.1293% | 3,041 |
| Net loans and leases to core deposits | 62.2799% | 3,091 |
| Total domestic deposits to total assets | 90.1762% | 1,638 |
| Equity capital to assets | 9.4431% | 2,064 |
| Core capital (leverage) ratio | 11.3956% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2622% | 957 |
| Memoranda: | ||
| Average total assets | $455,651,667 | 1,858 |
| Average earning assets | $436,220,333 | 1,822 |
| Average equity | $47,315,000 | 1,751 |
| Average total loans | $245,332,000 | 1,962 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9658% | 3,354 |
| Cost of funding earning assets | 0.1602% | 3,367 |
| Net interest margin | 2.8056% | 3,119 |
| Noninterest income to average assets | 0.4428% | 2,427 |
| Noninterest expense to average assets | 1.9327% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1878% | 1,275 |
| Return on assets (ROA) | 1.1878% | 1,273 |
| Pretax return on assets | 1.1878% | 1,845 |
| Return on Equity (ROE) | 10.9329% | 1,638 |
| Retained earnings to average equity (ytd only) | 6.8656% | 1,935 |
| Net charge-offs to loans | -0.0116% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9371% | 3,265 |
| Assets per employee ($millions) | 7.9835% | 1,386 |
| Cash dividends to net income (ytd only)* | 37.2024% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,695 |
| Loan loss allowance to noncurrent loans | 111.1726% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 970 |
| Noncurrent loans to loans | 1.1074% | 809 |
| Net loans and leases to total assets | 54.1022% | 2,745 |
| Net loans and leases to deposits | 60.6401% | 2,837 |
| Net loans and leases to core deposits | 62.9021% | 2,902 |
| Total domestic deposits to total assets | 89.2186% | 1,966 |
| Equity capital to assets | 10.3699% | 1,643 |
| Core capital (leverage) ratio | 11.5964% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7997% | 1,079 |
| Memoranda: | ||
| Average total assets | $452,620,500 | 1,872 |
| Average earning assets | $431,985,500 | 1,850 |
| Average equity | $49,172,500 | 1,760 |
| Average total loans | $241,313,500 | 1,984 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4897% | 2,686 |
| Cost of funding earning assets | 0.2102% | 3,365 |
| Net interest margin | 3.2796% | 2,367 |
| Noninterest income to average assets | 0.7497% | 1,599 |
| Noninterest expense to average assets | 2.0856% | 3,423 |
| Loan and lease loss provision to assets | 0.0567% | 1,917 |
| Net operating income to assets | 1.7368% | 588 |
| Return on assets (ROA) | 1.7937% | 536 |
| Pretax return on assets | 1.7947% | 924 |
| Return on Equity (ROE) | 15.4506% | 852 |
| Retained earnings to average equity (ytd only) | 8.9889% | 1,208 |
| Net charge-offs to loans | 0.2497% | 367 |
| Credit loss provision to net charge-offs | 42.3012% | 2,185 |
| Earnings coverage of net charge-offs (x) | 13.3807% | 2,080 |
| Efficiency ratio | 53.7517% | 3,958 |
| Assets per employee ($millions) | 8.4846% | 1,091 |
| Cash dividends to net income (ytd only)* | 41.8216% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,531 |
| Loan loss allowance to noncurrent loans | 110.8736% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 986 |
| Noncurrent loans to loans | 1.1412% | 847 |
| Net loans and leases to total assets | 51.2318% | 3,149 |
| Net loans and leases to deposits | 58.0772% | 3,252 |
| Net loans and leases to core deposits | 60.2137% | 3,299 |
| Total domestic deposits to total assets | 88.2132% | 1,931 |
| Equity capital to assets | 11.3461% | 1,576 |
| Core capital (leverage) ratio | 11.2274% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8723% | 1,074 |
| Memoranda: | ||
| Average total assets | $440,697,600 | 1,862 |
| Average earning assets | $420,633,400 | 1,837 |
| Average equity | $51,163,000 | 1,726 |
| Average total loans | $236,708,800 | 2,011 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6360% | 2,461 |
| Cost of funding earning assets | 0.2162% | 3,457 |
| Net interest margin | 3.4198% | 2,099 |
| Noninterest income to average assets | 0.7691% | 1,619 |
| Noninterest expense to average assets | 2.1057% | 3,343 |
| Loan and lease loss provision to assets | 0.0688% | 1,632 |
| Net operating income to assets | 1.8609% | 595 |
| Return on assets (ROA) | 1.8609% | 619 |
| Pretax return on assets | 1.8618% | 1,017 |
| Return on Equity (ROE) | 15.9344% | 965 |
| Retained earnings to average equity (ytd only) | 8.7731% | 1,776 |
| Net charge-offs to loans | 0.3338% | 233 |
| Credit loss provision to net charge-offs | 38.0068% | 1,927 |
| Earnings coverage of net charge-offs (x) | 10.6723% | 2,030 |
| Efficiency ratio | 52.1690% | 4,012 |
| Assets per employee ($millions) | 7.9042% | 1,313 |
| Cash dividends to net income (ytd only)* | 44.9425% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,576 |
| Loan loss allowance to noncurrent loans | 97.9304% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 985 |
| Noncurrent loans to loans | 1.3100% | 822 |
| Net loans and leases to total assets | 50.9148% | 3,304 |
| Net loans and leases to deposits | 57.9372% | 3,410 |
| Net loans and leases to core deposits | 59.7653% | 3,483 |
| Total domestic deposits to total assets | 87.8794% | 1,914 |
| Equity capital to assets | 11.6772% | 1,552 |
| Core capital (leverage) ratio | 11.2277% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8544% | 989 |
| Memoranda: | ||
| Average total assets | $436,330,250 | 1,902 |
| Average earning assets | $416,861,000 | 1,865 |
| Average equity | $50,957,750 | 1,750 |
| Average total loans | $236,452,250 | 2,049 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 2,433 |
| Cost of funding earning assets | 0.2228% | 3,533 |
| Net interest margin | 3.4402% | 2,033 |
| Noninterest income to average assets | 0.7984% | 1,538 |
| Noninterest expense to average assets | 2.1358% | 3,280 |
| Loan and lease loss provision to assets | 0.1043% | 1,210 |
| Net operating income to assets | 1.8494% | 649 |
| Return on assets (ROA) | 1.8494% | 677 |
| Pretax return on assets | 1.8503% | 1,122 |
| Return on Equity (ROE) | 15.8351% | 985 |
| Retained earnings to average equity (ytd only) | 9.2805% | 1,628 |
| Net charge-offs to loans | 0.5004% | 162 |
| Credit loss provision to net charge-offs | 37.8151% | 1,671 |
| Earnings coverage of net charge-offs (x) | 7.0891% | 1,931 |
| Efficiency ratio | 52.2148% | 4,023 |
| Assets per employee ($millions) | 7.7368% | 1,335 |
| Cash dividends to net income (ytd only)* | 41.3931% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,643 |
| Loan loss allowance to noncurrent loans | 84.5782% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 1,016 |
| Noncurrent loans to loans | 1.4892% | 764 |
| Net loans and leases to total assets | 52.9395% | 3,256 |
| Net loans and leases to deposits | 60.2400% | 3,374 |
| Net loans and leases to core deposits | 62.2466% | 3,441 |
| Total domestic deposits to total assets | 87.8809% | 1,898 |
| Equity capital to assets | 11.6468% | 1,549 |
| Core capital (leverage) ratio | 11.1907% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0684% | 947 |
| Memoranda: | ||
| Average total assets | $431,594,667 | 1,904 |
| Average earning assets | $413,002,333 | 1,869 |
| Average equity | $50,407,000 | 1,759 |
| Average total loans | $237,812,667 | 2,051 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 2,992 |
| Cost of funding earning assets | 0.2268% | 3,664 |
| Net interest margin | 3.2499% | 2,548 |
| Noninterest income to average assets | 0.8480% | 1,470 |
| Noninterest expense to average assets | 2.1064% | 3,406 |
| Loan and lease loss provision to assets | 0.0937% | 1,428 |
| Net operating income to assets | 1.7606% | 846 |
| Return on assets (ROA) | 1.7606% | 897 |
| Pretax return on assets | 1.7625% | 1,374 |
| Return on Equity (ROE) | 15.0532% | 1,200 |
| Retained earnings to average equity (ytd only) | 8.3798% | 2,128 |
| Net charge-offs to loans | 0.0050% | 1,729 |
| Credit loss provision to net charge-offs | 3,333.3333% | 167 |
| Earnings coverage of net charge-offs (x) | 660.3333% | 150 |
| Efficiency ratio | 53.1568% | 3,891 |
| Assets per employee ($millions) | 7.7857% | 1,294 |
| Cash dividends to net income (ytd only)* | 44.3321% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,720 |
| Loan loss allowance to noncurrent loans | 81.8139% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 859 |
| Noncurrent loans to loans | 1.7905% | 652 |
| Net loans and leases to total assets | 53.1639% | 3,325 |
| Net loans and leases to deposits | 60.3491% | 3,454 |
| Net loans and leases to core deposits | 62.3284% | 3,557 |
| Total domestic deposits to total assets | 88.0938% | 1,797 |
| Equity capital to assets | 11.4406% | 1,576 |
| Core capital (leverage) ratio | 11.3298% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3842% | 869 |
| Memoranda: | ||
| Average total assets | $426,893,000 | 1,912 |
| Average earning assets | $409,125,500 | 1,874 |
| Average equity | $49,929,500 | 1,761 |
| Average total loans | $238,499,000 | 2,042 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,027 |
| Cost of funding earning assets | 0.3146% | 4,059 |
| Net interest margin | 3.9260% | 1,146 |
| Noninterest income to average assets | 0.8874% | 1,301 |
| Noninterest expense to average assets | 2.4571% | 2,968 |
| Loan and lease loss provision to assets | 0.3253% | 1,120 |
| Net operating income to assets | 1.8353% | 360 |
| Return on assets (ROA) | 1.8361% | 386 |
| Pretax return on assets | 1.8372% | 629 |
| Return on Equity (ROE) | 13.8201% | 855 |
| Retained earnings to average equity (ytd only) | 6.3959% | 1,635 |
| Net charge-offs to loans | 0.5504% | 278 |
| Credit loss provision to net charge-offs | 88.1057% | 2,941 |
| Earnings coverage of net charge-offs (x) | 5.8554% | 2,829 |
| Efficiency ratio | 53.1984% | 4,293 |
| Assets per employee ($millions) | 7.6120% | 1,215 |
| Cash dividends to net income (ytd only)* | 53.7201% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,786 |
| Loan loss allowance to noncurrent loans | 68.0693% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 1,151 |
| Noncurrent loans to loans | 1.5040% | 884 |
| Net loans and leases to total assets | 57.1544% | 3,183 |
| Net loans and leases to deposits | 65.5918% | 3,310 |
| Net loans and leases to core deposits | 67.9080% | 3,419 |
| Total domestic deposits to total assets | 87.1365% | 1,870 |
| Equity capital to assets | 12.1464% | 1,501 |
| Core capital (leverage) ratio | 11.9542% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2831% | 865 |
| Memoranda: | ||
| Average total assets | $368,935,400 | 1,963 |
| Average earning assets | $350,635,400 | 1,936 |
| Average equity | $49,015,400 | 1,727 |
| Average total loans | $247,453,800 | 1,934 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 1,884 |
| Cost of funding earning assets | 0.3387% | 4,108 |
| Net interest margin | 4.0483% | 1,014 |
| Noninterest income to average assets | 0.8119% | 1,445 |
| Noninterest expense to average assets | 2.5072% | 2,815 |
| Loan and lease loss provision to assets | 0.3927% | 916 |
| Net operating income to assets | 1.7465% | 517 |
| Return on assets (ROA) | 1.7477% | 578 |
| Pretax return on assets | 1.7488% | 873 |
| Return on Equity (ROE) | 12.8315% | 1,161 |
| Retained earnings to average equity (ytd only) | 4.9838% | 2,566 |
| Net charge-offs to loans | 0.3809% | 414 |
| Credit loss provision to net charge-offs | 147.6793% | 2,339 |
| Earnings coverage of net charge-offs (x) | 8.0492% | 2,528 |
| Efficiency ratio | 53.9471% | 4,155 |
| Assets per employee ($millions) | 7.0062% | 1,497 |
| Cash dividends to net income (ytd only)* | 61.1599% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,858 |
| Loan loss allowance to noncurrent loans | 43.0347% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.8394% | 407 |
| Noncurrent loans to loans | 2.7118% | 371 |
| Net loans and leases to total assets | 65.4495% | 2,585 |
| Net loans and leases to deposits | 75.8657% | 2,765 |
| Net loans and leases to core deposits | 78.7769% | 2,937 |
| Total domestic deposits to total assets | 86.2702% | 1,950 |
| Equity capital to assets | 12.9007% | 1,226 |
| Core capital (leverage) ratio | 12.2819% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4043% | 988 |
| Memoranda: | ||
| Average total assets | $356,504,500 | 2,000 |
| Average earning assets | $337,775,500 | 1,967 |
| Average equity | $48,556,250 | 1,732 |
| Average total loans | $248,878,000 | 1,926 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 1,662 |
| Cost of funding earning assets | 0.3691% | 4,177 |
| Net interest margin | 4.2229% | 877 |
| Noninterest income to average assets | 0.7605% | 1,548 |
| Noninterest expense to average assets | 2.5950% | 2,681 |
| Loan and lease loss provision to assets | 0.3748% | 1,112 |
| Net operating income to assets | 1.7740% | 529 |
| Return on assets (ROA) | 1.7740% | 579 |
| Pretax return on assets | 1.7752% | 853 |
| Return on Equity (ROE) | 12.7753% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.7171% | 2,189 |
| Net charge-offs to loans | 0.0575% | 1,680 |
| Credit loss provision to net charge-offs | 915.4930% | 840 |
| Earnings coverage of net charge-offs (x) | 52.5211% | 1,066 |
| Efficiency ratio | 54.6902% | 4,100 |
| Assets per employee ($millions) | 6.4128% | 1,854 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,375 |
| Loan loss allowance to noncurrent loans | 42.0853% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 308 |
| Noncurrent loans to loans | 2.9136% | 345 |
| Net loans and leases to total assets | 69.6713% | 2,082 |
| Net loans and leases to deposits | 81.2692% | 2,285 |
| Net loans and leases to core deposits | 83.8125% | 2,623 |
| Total domestic deposits to total assets | 85.7291% | 2,115 |
| Equity capital to assets | 13.2584% | 1,056 |
| Core capital (leverage) ratio | 12.8088% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7769% | 1,091 |
| Memoranda: | ||
| Average total assets | $346,891,667 | 2,018 |
| Average earning assets | $327,314,000 | 1,987 |
| Average equity | $48,171,000 | 1,730 |
| Average total loans | $246,776,333 | 1,926 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 1,435 |
| Cost of funding earning assets | 0.4246% | 4,260 |
| Net interest margin | 4.3695% | 665 |
| Noninterest income to average assets | 0.6077% | 2,010 |
| Noninterest expense to average assets | 2.6259% | 2,905 |
| Loan and lease loss provision to assets | 0.5981% | 465 |
| Net operating income to assets | 1.4942% | 795 |
| Return on assets (ROA) | 1.4942% | 872 |
| Pretax return on assets | 1.4954% | 1,319 |
| Return on Equity (ROE) | 10.4959% | 1,577 |
| Retained earnings to average equity (ytd only) | 3.6219% | 2,836 |
| Net charge-offs to loans | 0.1423% | 886 |
| Credit loss provision to net charge-offs | 588.2353% | 802 |
| Earnings coverage of net charge-offs (x) | 20.5882% | 1,409 |
| Efficiency ratio | 55.6401% | 4,244 |
| Assets per employee ($millions) | 5.8767% | 1,777 |
| Cash dividends to net income (ytd only)* | 65.4924% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,328 |
| Loan loss allowance to noncurrent loans | 39.6673% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.5032% | 270 |
| Noncurrent loans to loans | 3.1813% | 319 |
| Net loans and leases to total assets | 71.2897% | 2,040 |
| Net loans and leases to deposits | 84.1772% | 2,202 |
| Net loans and leases to core deposits | 87.0576% | 2,592 |
| Total domestic deposits to total assets | 84.6900% | 2,531 |
| Equity capital to assets | 14.3723% | 933 |
| Core capital (leverage) ratio | 13.6753% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5138% | 1,233 |
| Memoranda: | ||
| Average total assets | $334,365,000 | 2,024 |
| Average earning assets | $314,639,000 | 2,002 |
| Average equity | $47,599,500 | 1,739 |
| Average total loans | $238,986,500 | 1,932 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,926 |
| Cost of funding earning assets | 0.4234% | 4,368 |
| Net interest margin | 4.4154% | 868 |
| Noninterest income to average assets | 0.6855% | 1,863 |
| Noninterest expense to average assets | 2.7005% | 2,882 |
| Loan and lease loss provision to assets | 0.2117% | 946 |
| Net operating income to assets | 1.9122% | 423 |
| Return on assets (ROA) | 1.9122% | 441 |
| Pretax return on assets | 1.9134% | 728 |
| Return on Equity (ROE) | 13.3708% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.4837% | 1,618 |
| Net charge-offs to loans | 0.1468% | 1,343 |
| Credit loss provision to net charge-offs | 200.2967% | 1,323 |
| Earnings coverage of net charge-offs (x) | 20.1098% | 1,955 |
| Efficiency ratio | 55.9621% | 4,208 |
| Assets per employee ($millions) | 5.6569% | 1,917 |
| Cash dividends to net income (ytd only)* | 51.5087% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 2,845 |
| Loan loss allowance to noncurrent loans | 46.0706% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 426 |
| Noncurrent loans to loans | 2.4250% | 457 |
| Net loans and leases to total assets | 69.9557% | 2,400 |
| Net loans and leases to deposits | 82.3510% | 2,516 |
| Net loans and leases to core deposits | 85.0855% | 2,867 |
| Total domestic deposits to total assets | 84.9482% | 2,513 |
| Equity capital to assets | 14.0988% | 1,061 |
| Core capital (leverage) ratio | 13.6448% | 1,012 |
| Tier 1 risk-based capital ratio | 16.6582% | 2,165 |
| Total risk-based capital ratio | 17.6475% | 2,199 |
| Memoranda: | ||
| Average total assets | $318,905,200 | 2,048 |
| Average earning assets | $299,019,000 | 2,032 |
| Average equity | $45,606,800 | 1,738 |
| Average total loans | $229,557,000 | 1,957 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 1,713 |
| Cost of funding earning assets | 0.4127% | 4,457 |
| Net interest margin | 4.5239% | 731 |
| Noninterest income to average assets | 0.6223% | 2,100 |
| Noninterest expense to average assets | 2.7102% | 2,838 |
| Loan and lease loss provision to assets | 0.2750% | 566 |
| Net operating income to assets | 1.8786% | 522 |
| Return on assets (ROA) | 1.8786% | 540 |
| Pretax return on assets | 1.8799% | 913 |
| Return on Equity (ROE) | 13.0871% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.0824% | 2,333 |
| Net charge-offs to loans | 0.2282% | 773 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 13.0615% | 2,318 |
| Efficiency ratio | 55.7082% | 4,190 |
| Assets per employee ($millions) | 5.6794% | 1,863 |
| Cash dividends to net income (ytd only)* | 53.5239% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 2,917 |
| Loan loss allowance to noncurrent loans | 44.4348% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1443% | 385 |
| Noncurrent loans to loans | 2.5268% | 457 |
| Net loans and leases to total assets | 70.8573% | 2,346 |
| Net loans and leases to deposits | 84.0338% | 2,450 |
| Net loans and leases to core deposits | 87.3167% | 2,800 |
| Total domestic deposits to total assets | 84.3200% | 2,703 |
| Equity capital to assets | 14.5817% | 959 |
| Core capital (leverage) ratio | 13.9908% | 985 |
| Tier 1 risk-based capital ratio | 16.7686% | 2,160 |
| Total risk-based capital ratio | 17.7544% | 2,200 |
| Memoranda: | ||
| Average total assets | $315,191,500 | 2,080 |
| Average earning assets | $295,605,750 | 2,065 |
| Average equity | $45,244,500 | 1,748 |
| Average total loans | $227,915,750 | 1,984 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,699 |
| Cost of funding earning assets | 0.3987% | 4,515 |
| Net interest margin | 4.5207% | 735 |
| Noninterest income to average assets | 0.6110% | 2,095 |
| Noninterest expense to average assets | 2.7374% | 2,790 |
| Loan and lease loss provision to assets | 0.1909% | 921 |
| Net operating income to assets | 1.9176% | 456 |
| Return on assets (ROA) | 1.9176% | 478 |
| Pretax return on assets | 1.9189% | 800 |
| Return on Equity (ROE) | 13.4308% | 1,118 |
| Retained earnings to average equity (ytd only) | 6.4502% | 2,078 |
| Net charge-offs to loans | 0.1527% | 1,023 |
| Credit loss provision to net charge-offs | 172.4138% | 1,355 |
| Earnings coverage of net charge-offs (x) | 19.0517% | 1,834 |
| Efficiency ratio | 56.4732% | 4,192 |
| Assets per employee ($millions) | 5.1920% | 2,261 |
| Cash dividends to net income (ytd only)* | 51.9748% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,288 |
| Loan loss allowance to noncurrent loans | 39.0444% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.4121% | 316 |
| Noncurrent loans to loans | 2.7123% | 398 |
| Net loans and leases to total assets | 74.0232% | 1,886 |
| Net loans and leases to deposits | 88.1457% | 1,991 |
| Net loans and leases to core deposits | 91.1519% | 2,491 |
| Total domestic deposits to total assets | 83.9782% | 2,877 |
| Equity capital to assets | 14.9099% | 838 |
| Core capital (leverage) ratio | 14.0938% | 941 |
| Tier 1 risk-based capital ratio | 16.5480% | 2,218 |
| Total risk-based capital ratio | 17.4839% | 2,262 |
| Memoranda: | ||
| Average total assets | $314,239,000 | 2,089 |
| Average earning assets | $294,468,330 | 2,075 |
| Average equity | $44,867,000 | 1,762 |
| Average total loans | $227,914,330 | 1,995 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 1,258 |
| Cost of funding earning assets | 0.3952% | 4,504 |
| Net interest margin | 4.6369% | 566 |
| Noninterest income to average assets | 0.5581% | 2,236 |
| Noninterest expense to average assets | 2.6902% | 2,935 |
| Loan and lease loss provision to assets | 0.0629% | 2,407 |
| Net operating income to assets | 2.1270% | 305 |
| Return on assets (ROA) | 2.1270% | 321 |
| Pretax return on assets | 2.1270% | 502 |
| Return on Equity (ROE) | 15.2213% | 708 |
| Retained earnings to average equity (ytd only) | 15.2213% | 265 |
| Net charge-offs to loans | -0.0106% | 4,246 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1262% | 4,419 |
| Assets per employee ($millions) | 5.3019% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,489 |
| Loan loss allowance to noncurrent loans | 98.9912% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 1,201 |
| Noncurrent loans to loans | 1.0467% | 1,592 |
| Net loans and leases to total assets | 71.9057% | 2,181 |
| Net loans and leases to deposits | 85.1734% | 2,232 |
| Net loans and leases to core deposits | 88.1654% | 2,663 |
| Total domestic deposits to total assets | 84.4227% | 2,886 |
| Equity capital to assets | 14.5575% | 867 |
| Core capital (leverage) ratio | 13.8732% | 983 |
| Tier 1 risk-based capital ratio | 17.0331% | 2,096 |
| Total risk-based capital ratio | 17.9626% | 2,149 |
| Memoranda: | ||
| Average total assets | $318,195,000 | 2,070 |
| Average earning assets | $296,577,000 | 2,068 |
| Average equity | $44,464,000 | 1,762 |
| Average total loans | $227,281,500 | 2,010 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 1,246 |
| Cost of funding earning assets | 0.3492% | 4,286 |
| Net interest margin | 4.5642% | 666 |
| Noninterest income to average assets | 0.6830% | 1,920 |
| Noninterest expense to average assets | 2.7752% | 2,769 |
| Loan and lease loss provision to assets | 0.0491% | 3,203 |
| Net operating income to assets | 2.1034% | 296 |
| Return on assets (ROA) | 2.1030% | 292 |
| Pretax return on assets | 2.1043% | 435 |
| Return on Equity (ROE) | 15.4023% | 740 |
| Retained earnings to average equity (ytd only) | 7.7814% | 1,335 |
| Net charge-offs to loans | -0.0031% | 4,286 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3048% | 4,371 |
| Assets per employee ($millions) | 5.6768% | 1,792 |
| Cash dividends to net income (ytd only)* | 49.4789% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,601 |
| Loan loss allowance to noncurrent loans | 55.2088% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.6500% | 665 |
| Noncurrent loans to loans | 1.8330% | 765 |
| Net loans and leases to total assets | 69.5283% | 2,648 |
| Net loans and leases to deposits | 81.2417% | 2,826 |
| Net loans and leases to core deposits | 84.1146% | 3,082 |
| Total domestic deposits to total assets | 85.5821% | 2,400 |
| Equity capital to assets | 13.4095% | 1,179 |
| Core capital (leverage) ratio | 13.0975% | 1,205 |
| Tier 1 risk-based capital ratio | 16.2145% | 2,337 |
| Total risk-based capital ratio | 17.1139% | 2,394 |
| Memoranda: | ||
| Average total assets | $305,702,800 | 2,118 |
| Average earning assets | $284,388,200 | 2,110 |
| Average equity | $41,740,600 | 1,790 |
| Average total loans | $227,520,200 | 1,968 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 1,177 |
| Cost of funding earning assets | 0.3333% | 4,292 |
| Net interest margin | 4.5590% | 649 |
| Noninterest income to average assets | 0.6953% | 1,881 |
| Noninterest expense to average assets | 2.7849% | 2,687 |
| Loan and lease loss provision to assets | 0.0443% | 3,107 |
| Net operating income to assets | 2.1214% | 294 |
| Return on assets (ROA) | 2.1210% | 290 |
| Pretax return on assets | 2.1219% | 459 |
| Return on Equity (ROE) | 15.4596% | 790 |
| Retained earnings to average equity (ytd only) | 7.9330% | 1,686 |
| Net charge-offs to loans | -0.0023% | 4,108 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2439% | 4,356 |
| Assets per employee ($millions) | 5.3451% | 2,078 |
| Cash dividends to net income (ytd only)* | 48.6854% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,920 |
| Loan loss allowance to noncurrent loans | 86.6230% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,070 |
| Noncurrent loans to loans | 1.1249% | 1,513 |
| Net loans and leases to total assets | 73.6595% | 2,045 |
| Net loans and leases to deposits | 86.3484% | 2,335 |
| Net loans and leases to core deposits | 89.4711% | 2,705 |
| Total domestic deposits to total assets | 85.3050% | 2,486 |
| Equity capital to assets | 13.6396% | 1,081 |
| Core capital (leverage) ratio | 13.2142% | 1,201 |
| Tier 1 risk-based capital ratio | 16.4426% | 2,290 |
| Total risk-based capital ratio | 17.3509% | 2,350 |
| Memoranda: | ||
| Average total assets | $301,234,500 | 2,157 |
| Average earning assets | $281,224,000 | 2,135 |
| Average equity | $41,328,250 | 1,810 |
| Average total loans | $227,581,000 | 1,969 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 1,180 |
| Cost of funding earning assets | 0.3218% | 4,260 |
| Net interest margin | 4.5068% | 690 |
| Noninterest income to average assets | 0.6738% | 1,983 |
| Noninterest expense to average assets | 2.7757% | 2,738 |
| Loan and lease loss provision to assets | 0.0670% | 2,553 |
| Net operating income to assets | 2.0268% | 361 |
| Return on assets (ROA) | 2.0261% | 360 |
| Pretax return on assets | 2.0274% | 574 |
| Return on Equity (ROE) | 14.7381% | 906 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,981 |
| Net charge-offs to loans | -0.0026% | 3,988 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9855% | 4,364 |
| Assets per employee ($millions) | 5.2429% | 2,155 |
| Cash dividends to net income (ytd only)* | 51.1913% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,999 |
| Loan loss allowance to noncurrent loans | 77.2087% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 969 |
| Noncurrent loans to loans | 1.2595% | 1,359 |
| Net loans and leases to total assets | 75.2165% | 1,758 |
| Net loans and leases to deposits | 88.2614% | 2,079 |
| Net loans and leases to core deposits | 91.2000% | 2,470 |
| Total domestic deposits to total assets | 85.2202% | 2,595 |
| Equity capital to assets | 13.6108% | 1,062 |
| Core capital (leverage) ratio | 13.4496% | 1,078 |
| Tier 1 risk-based capital ratio | 16.0895% | 2,405 |
| Total risk-based capital ratio | 17.0000% | 2,477 |
| Memoranda: | ||
| Average total assets | $298,307,000 | 2,185 |
| Average earning assets | $277,800,670 | 2,169 |
| Average equity | $41,009,330 | 1,824 |
| Average total loans | $226,573,330 | 1,980 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 1,267 |
| Cost of funding earning assets | 0.3196% | 4,199 |
| Net interest margin | 4.3983% | 770 |
| Noninterest income to average assets | 0.6323% | 2,119 |
| Noninterest expense to average assets | 2.7568% | 2,855 |
| Loan and lease loss provision to assets | 0.0677% | 2,408 |
| Net operating income to assets | 1.9078% | 446 |
| Return on assets (ROA) | 1.9065% | 447 |
| Pretax return on assets | 1.9065% | 714 |
| Return on Equity (ROE) | 13.7973% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.7973% | 424 |
| Net charge-offs to loans | 0.0018% | 2,669 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,459.0000% | 39 |
| Efficiency ratio | 58.2546% | 4,309 |
| Assets per employee ($millions) | 4.8823% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,128 |
| Loan loss allowance to noncurrent loans | 81.4567% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 1,048 |
| Noncurrent loans to loans | 1.1882% | 1,538 |
| Net loans and leases to total assets | 76.5624% | 1,445 |
| Net loans and leases to deposits | 90.2354% | 1,662 |
| Net loans and leases to core deposits | 93.3652% | 2,186 |
| Total domestic deposits to total assets | 84.8474% | 2,991 |
| Equity capital to assets | 14.1190% | 860 |
| Core capital (leverage) ratio | 13.7327% | 937 |
| Tier 1 risk-based capital ratio | 16.9303% | 2,134 |
| Total risk-based capital ratio | 17.8669% | 2,181 |
| Memoranda: | ||
| Average total assets | $295,415,500 | 2,216 |
| Average earning assets | $275,379,500 | 2,208 |
| Average equity | $40,819,500 | 1,837 |
| Average total loans | $224,374,000 | 2,005 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,381 |
| Cost of funding earning assets | 0.3319% | 3,855 |
| Net interest margin | 4.2843% | 997 |
| Noninterest income to average assets | 0.8317% | 1,459 |
| Noninterest expense to average assets | 3.0360% | 2,054 |
| Loan and lease loss provision to assets | 0.0687% | 2,828 |
| Net operating income to assets | 1.7214% | 505 |
| Return on assets (ROA) | 1.7214% | 517 |
| Pretax return on assets | 1.7227% | 955 |
| Return on Equity (ROE) | 12.6765% | 1,029 |
| Retained earnings to average equity (ytd only) | 5.5806% | 1,784 |
| Net charge-offs to loans | 0.0392% | 3,018 |
| Credit loss provision to net charge-offs | 238.0952% | 1,165 |
| Earnings coverage of net charge-offs (x) | 62.0833% | 932 |
| Efficiency ratio | 62.6841% | 3,833 |
| Assets per employee ($millions) | 4.3808% | 3,364 |
| Cash dividends to net income (ytd only)* | 55.9769% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,142 |
| Loan loss allowance to noncurrent loans | 78.7868% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 951 |
| Noncurrent loans to loans | 1.2237% | 1,444 |
| Net loans and leases to total assets | 73.8966% | 1,938 |
| Net loans and leases to deposits | 86.5030% | 2,193 |
| Net loans and leases to core deposits | 89.1584% | 2,641 |
| Total domestic deposits to total assets | 85.4266% | 2,681 |
| Equity capital to assets | 13.5213% | 1,052 |
| Core capital (leverage) ratio | 13.0146% | 1,138 |
| Tier 1 risk-based capital ratio | 16.1073% | 2,392 |
| Total risk-based capital ratio | 17.0106% | 2,470 |
| Memoranda: | ||
| Average total assets | $291,107,800 | 2,212 |
| Average earning assets | $271,503,600 | 2,199 |
| Average equity | $39,529,800 | 1,875 |
| Average total loans | $214,278,400 | 2,045 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,377 |
| Cost of funding earning assets | 0.3319% | 3,833 |
| Net interest margin | 4.2649% | 1,009 |
| Noninterest income to average assets | 0.9007% | 1,268 |
| Noninterest expense to average assets | 3.0756% | 1,876 |
| Loan and lease loss provision to assets | 0.0346% | 3,427 |
| Net operating income to assets | 1.7737% | 491 |
| Return on assets (ROA) | 1.7737% | 506 |
| Pretax return on assets | 1.7746% | 945 |
| Return on Equity (ROE) | 13.0475% | 1,049 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,294 |
| Net charge-offs to loans | 0.0176% | 3,149 |
| Credit loss provision to net charge-offs | 267.8571% | 1,074 |
| Earnings coverage of net charge-offs (x) | 140.2590% | 566 |
| Efficiency ratio | 62.6898% | 3,777 |
| Assets per employee ($millions) | 4.3848% | 3,334 |
| Cash dividends to net income (ytd only)* | 54.5454% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,271 |
| Loan loss allowance to noncurrent loans | 362.7622% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 2,183 |
| Noncurrent loans to loans | 0.2652% | 4,012 |
| Net loans and leases to total assets | 72.7032% | 2,147 |
| Net loans and leases to deposits | 85.3206% | 2,391 |
| Net loans and leases to core deposits | 87.7443% | 2,801 |
| Total domestic deposits to total assets | 85.2118% | 2,633 |
| Equity capital to assets | 13.6741% | 1,091 |
| Core capital (leverage) ratio | 12.9965% | 1,209 |
| Tier 1 risk-based capital ratio | 16.3927% | 2,354 |
| Total risk-based capital ratio | 17.2936% | 2,421 |
| Memoranda: | ||
| Average total assets | $289,411,750 | 2,237 |
| Average earning assets | $270,353,750 | 2,224 |
| Average equity | $39,342,500 | 1,901 |
| Average total loans | $212,279,250 | 2,071 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 1,618 |
| Cost of funding earning assets | 0.3298% | 3,793 |
| Net interest margin | 4.1320% | 1,247 |
| Noninterest income to average assets | 0.8710% | 1,362 |
| Noninterest expense to average assets | 3.1033% | 1,835 |
| Loan and lease loss provision to assets | 0.0208% | 3,565 |
| Net operating income to assets | 1.6086% | 692 |
| Return on assets (ROA) | 1.6086% | 713 |
| Pretax return on assets | 1.6100% | 1,311 |
| Return on Equity (ROE) | 11.8569% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.4523% | 2,437 |
| Net charge-offs to loans | 0.0341% | 2,507 |
| Credit loss provision to net charge-offs | 83.3333% | 2,220 |
| Earnings coverage of net charge-offs (x) | 65.2222% | 888 |
| Efficiency ratio | 65.1262% | 3,486 |
| Assets per employee ($millions) | 4.2313% | 3,556 |
| Cash dividends to net income (ytd only)* | 54.0155% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,393 |
| Loan loss allowance to noncurrent loans | 416.0494% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 2,217 |
| Noncurrent loans to loans | 0.2294% | 4,206 |
| Net loans and leases to total assets | 72.9159% | 2,057 |
| Net loans and leases to deposits | 85.5700% | 2,278 |
| Net loans and leases to core deposits | 87.9350% | 2,705 |
| Total domestic deposits to total assets | 85.2120% | 2,730 |
| Equity capital to assets | 13.7475% | 1,060 |
| Core capital (leverage) ratio | 13.0340% | 1,163 |
| Tier 1 risk-based capital ratio | 16.3939% | 2,361 |
| Total risk-based capital ratio | 17.2880% | 2,425 |
| Memoranda: | ||
| Average total assets | $287,955,000 | 2,251 |
| Average earning assets | $269,213,330 | 2,241 |
| Average equity | $39,066,000 | 1,911 |
| Average total loans | $211,151,000 | 2,078 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,658 |
| Cost of funding earning assets | 0.3279% | 3,773 |
| Net interest margin | 4.0682% | 1,305 |
| Noninterest income to average assets | 0.8470% | 1,410 |
| Noninterest expense to average assets | 3.0979% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5566% | 738 |
| Return on assets (ROA) | 1.5566% | 759 |
| Pretax return on assets | 1.5566% | 1,354 |
| Return on Equity (ROE) | 11.5503% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.5503% | 525 |
| Net charge-offs to loans | -0.0076% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1396% | 3,472 |
| Assets per employee ($millions) | 4.2571% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,486 |
| Loan loss allowance to noncurrent loans | 136.8598% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 1,880 |
| Noncurrent loans to loans | 0.7024% | 2,736 |
| Net loans and leases to total assets | 73.3558% | 1,845 |
| Net loans and leases to deposits | 86.2791% | 2,009 |
| Net loans and leases to core deposits | 88.7434% | 2,475 |
| Total domestic deposits to total assets | 85.0215% | 3,082 |
| Equity capital to assets | 13.8247% | 959 |
| Core capital (leverage) ratio | 13.2360% | 1,060 |
| Tier 1 risk-based capital ratio | 16.3302% | 2,422 |
| Total risk-based capital ratio | 17.2237% | 2,512 |
| Memoranda: | ||
| Average total assets | $288,069,500 | 2,268 |
| Average earning assets | $269,606,000 | 2,251 |
| Average equity | $38,821,500 | 1,931 |
| Average total loans | $210,816,500 | 2,092 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,546 |
| Cost of funding earning assets | 0.3470% | 3,547 |
| Net interest margin | 4.1502% | 1,242 |
| Noninterest income to average assets | 1.0094% | 1,117 |
| Noninterest expense to average assets | 3.1957% | 1,798 |
| Loan and lease loss provision to assets | 0.1703% | 1,433 |
| Net operating income to assets | 1.5263% | 787 |
| Return on assets (ROA) | 1.5263% | 815 |
| Pretax return on assets | 1.5278% | 1,500 |
| Return on Equity (ROE) | 11.3015% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.5924% | 1,955 |
| Net charge-offs to loans | 0.1814% | 1,526 |
| Credit loss provision to net charge-offs | 128.3784% | 2,087 |
| Earnings coverage of net charge-offs (x) | 12.8027% | 2,419 |
| Efficiency ratio | 64.8769% | 3,782 |
| Assets per employee ($millions) | 4.2781% | 3,477 |
| Cash dividends to net income (ytd only)* | 50.5167% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 4,507 |
| Loan loss allowance to noncurrent loans | 161.0008% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 1,993 |
| Noncurrent loans to loans | 0.5985% | 3,056 |
| Net loans and leases to total assets | 71.6177% | 2,217 |
| Net loans and leases to deposits | 83.5481% | 2,473 |
| Net loans and leases to core deposits | 86.0051% | 2,851 |
| Total domestic deposits to total assets | 85.7203% | 2,717 |
| Equity capital to assets | 13.1350% | 1,202 |
| Core capital (leverage) ratio | 12.6553% | 1,271 |
| Tier 1 risk-based capital ratio | 15.7407% | 2,654 |
| Total risk-based capital ratio | 16.6272% | 2,736 |
| Memoranda: | ||
| Average total assets | $278,969,400 | 2,290 |
| Average earning assets | $261,094,600 | 2,274 |
| Average equity | $37,676,400 | 1,940 |
| Average total loans | $204,007,800 | 2,087 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 1,500 |
| Cost of funding earning assets | 0.3490% | 3,553 |
| Net interest margin | 4.1622% | 1,223 |
| Noninterest income to average assets | 0.9363% | 1,290 |
| Noninterest expense to average assets | 3.2445% | 1,694 |
| Loan and lease loss provision to assets | 0.0604% | 3,043 |
| Net operating income to assets | 1.5252% | 838 |
| Return on assets (ROA) | 1.5252% | 886 |
| Pretax return on assets | 1.5266% | 1,629 |
| Return on Equity (ROE) | 11.2118% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.7625% | 2,982 |
| Net charge-offs to loans | 0.0586% | 2,514 |
| Credit loss provision to net charge-offs | 140.4494% | 1,864 |
| Earnings coverage of net charge-offs (x) | 36.9113% | 1,301 |
| Efficiency ratio | 66.7233% | 3,467 |
| Assets per employee ($millions) | 4.2060% | 3,580 |
| Cash dividends to net income (ytd only)* | 57.5229% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,761 |
| Loan loss allowance to noncurrent loans | 84.9761% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 1,908 |
| Noncurrent loans to loans | 1.0925% | 2,070 |
| Net loans and leases to total assets | 75.2297% | 1,667 |
| Net loans and leases to deposits | 88.3880% | 1,965 |
| Net loans and leases to core deposits | 91.1323% | 2,471 |
| Total domestic deposits to total assets | 85.1131% | 2,750 |
| Equity capital to assets | 13.7392% | 1,148 |
| Core capital (leverage) ratio | 12.7692% | 1,285 |
| Tier 1 risk-based capital ratio | 15.3780% | 2,879 |
| Total risk-based capital ratio | 16.2325% | 2,990 |
| Memoranda: | ||
| Average total assets | $275,984,250 | 2,319 |
| Average earning assets | $258,286,500 | 2,300 |
| Average equity | $37,542,750 | 1,962 |
| Average total loans | $202,417,250 | 2,103 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 1,597 |
| Cost of funding earning assets | 0.3459% | 3,613 |
| Net interest margin | 4.1263% | 1,307 |
| Noninterest income to average assets | 0.8953% | 1,387 |
| Noninterest expense to average assets | 3.2181% | 1,769 |
| Loan and lease loss provision to assets | 0.0545% | 3,062 |
| Net operating income to assets | 1.4841% | 921 |
| Return on assets (ROA) | 1.4841% | 965 |
| Pretax return on assets | 1.4856% | 1,722 |
| Return on Equity (ROE) | 10.9470% | 1,667 |
| Retained earnings to average equity (ytd only) | 4.9486% | 2,771 |
| Net charge-offs to loans | 0.1002% | 1,828 |
| Credit loss provision to net charge-offs | 75.0000% | 2,423 |
| Earnings coverage of net charge-offs (x) | 21.2100% | 1,691 |
| Efficiency ratio | 67.1906% | 3,503 |
| Assets per employee ($millions) | 4.3953% | 3,224 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 4,804 |
| Loan loss allowance to noncurrent loans | 69.0572% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.1835% | 1,761 |
| Noncurrent loans to loans | 1.3618% | 1,645 |
| Net loans and leases to total assets | 72.1613% | 2,139 |
| Net loans and leases to deposits | 84.6312% | 2,393 |
| Net loans and leases to core deposits | 86.8256% | 2,834 |
| Total domestic deposits to total assets | 85.2655% | 2,750 |
| Equity capital to assets | 13.6355% | 1,167 |
| Core capital (leverage) ratio | 12.7929% | 1,236 |
| Tier 1 risk-based capital ratio | 15.7218% | 2,775 |
| Total risk-based capital ratio | 16.5791% | 2,864 |
| Memoranda: | ||
| Average total assets | $275,446,000 | 2,332 |
| Average earning assets | $257,860,330 | 2,312 |
| Average equity | $37,343,670 | 1,974 |
| Average total loans | $199,625,000 | 2,129 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,702 |
| Cost of funding earning assets | 0.3460% | 3,647 |
| Net interest margin | 4.0877% | 1,377 |
| Noninterest income to average assets | 0.8008% | 1,611 |
| Noninterest expense to average assets | 3.1727% | 1,899 |
| Loan and lease loss provision to assets | 0.1092% | 1,901 |
| Net operating income to assets | 1.3381% | 1,158 |
| Return on assets (ROA) | 1.3381% | 1,242 |
| Pretax return on assets | 1.3381% | 2,141 |
| Return on Equity (ROE) | 9.8985% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.8985% | 868 |
| Net charge-offs to loans | 0.0121% | 2,722 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 165.6667% | 366 |
| Efficiency ratio | 68.2320% | 3,423 |
| Assets per employee ($millions) | 3.9807% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 4,627 |
| Loan loss allowance to noncurrent loans | 66.6778% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,802 |
| Noncurrent loans to loans | 1.4960% | 1,568 |
| Net loans and leases to total assets | 71.8722% | 2,062 |
| Net loans and leases to deposits | 84.5256% | 2,248 |
| Net loans and leases to core deposits | 86.6560% | 2,691 |
| Total domestic deposits to total assets | 85.0301% | 3,125 |
| Equity capital to assets | 13.7168% | 1,082 |
| Core capital (leverage) ratio | 13.0369% | 1,144 |
| Tier 1 risk-based capital ratio | 16.1329% | 2,620 |
| Total risk-based capital ratio | 17.0556% | 2,707 |
| Memoranda: | ||
| Average total assets | $274,718,000 | 2,348 |
| Average earning assets | $256,675,000 | 2,335 |
| Average equity | $37,137,000 | 1,974 |
| Average total loans | $198,581,000 | 2,141 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,138 |
| Cost of funding earning assets | 0.3587% | 3,604 |
| Net interest margin | 4.3259% | 914 |
| Noninterest income to average assets | 0.8607% | 1,568 |
| Noninterest expense to average assets | 3.1580% | 2,068 |
| Loan and lease loss provision to assets | 0.0930% | 2,451 |
| Net operating income to assets | 1.6380% | 650 |
| Return on assets (ROA) | 1.6406% | 664 |
| Pretax return on assets | 1.6421% | 1,131 |
| Return on Equity (ROE) | 12.3421% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.0493% | 1,770 |
| Net charge-offs to loans | 0.1564% | 1,816 |
| Credit loss provision to net charge-offs | 81.1688% | 2,929 |
| Earnings coverage of net charge-offs (x) | 15.1169% | 2,229 |
| Efficiency ratio | 64.1330% | 4,230 |
| Assets per employee ($millions) | 3.8699% | 4,176 |
| Cash dividends to net income (ytd only)* | 50.9866% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,759 |
| Loan loss allowance to noncurrent loans | 63.3575% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 1,744 |
| Noncurrent loans to loans | 1.5332% | 1,512 |
| Net loans and leases to total assets | 71.2755% | 2,159 |
| Net loans and leases to deposits | 83.4484% | 2,428 |
| Net loans and leases to core deposits | 85.9917% | 2,797 |
| Total domestic deposits to total assets | 85.4126% | 2,897 |
| Equity capital to assets | 13.3197% | 1,201 |
| Core capital (leverage) ratio | 12.3336% | 1,433 |
| Tier 1 risk-based capital ratio | 15.6134% | 2,875 |
| Total risk-based capital ratio | 16.4990% | 2,993 |
| Memoranda: | ||
| Average total assets | $268,741,800 | 2,352 |
| Average earning assets | $250,352,800 | 2,335 |
| Average equity | $35,723,400 | 1,994 |
| Average total loans | $196,923,200 | 2,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 1,135 |
| Cost of funding earning assets | 0.3592% | 3,659 |
| Net interest margin | 4.3200% | 924 |
| Noninterest income to average assets | 0.8776% | 1,519 |
| Noninterest expense to average assets | 3.1557% | 2,072 |
| Loan and lease loss provision to assets | 0.1247% | 1,817 |
| Net operating income to assets | 1.6220% | 733 |
| Return on assets (ROA) | 1.6255% | 753 |
| Pretax return on assets | 1.6270% | 1,309 |
| Return on Equity (ROE) | 12.2347% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.7343% | 2,415 |
| Net charge-offs to loans | 0.1823% | 1,393 |
| Credit loss provision to net charge-offs | 92.9368% | 2,428 |
| Earnings coverage of net charge-offs (x) | 13.0259% | 2,358 |
| Efficiency ratio | 63.9129% | 4,264 |
| Assets per employee ($millions) | 3.7909% | 4,285 |
| Cash dividends to net income (ytd only)* | 53.1307% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,917 |
| Loan loss allowance to noncurrent loans | 60.3698% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,726 |
| Noncurrent loans to loans | 1.5968% | 1,552 |
| Net loans and leases to total assets | 74.7749% | 1,592 |
| Net loans and leases to deposits | 87.7427% | 1,937 |
| Net loans and leases to core deposits | 90.5235% | 2,412 |
| Total domestic deposits to total assets | 85.2207% | 2,920 |
| Equity capital to assets | 13.4633% | 1,242 |
| Core capital (leverage) ratio | 12.5210% | 1,408 |
| Tier 1 risk-based capital ratio | 14.9617% | 3,313 |
| Total risk-based capital ratio | 15.8438% | 3,428 |
| Memoranda: | ||
| Average total assets | $267,236,000 | 2,382 |
| Average earning assets | $249,068,500 | 2,366 |
| Average equity | $35,504,750 | 2,016 |
| Average total loans | $196,713,750 | 2,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,169 |
| Cost of funding earning assets | 0.3612% | 3,681 |
| Net interest margin | 4.2898% | 936 |
| Noninterest income to average assets | 0.8620% | 1,566 |
| Noninterest expense to average assets | 3.1201% | 2,187 |
| Loan and lease loss provision to assets | 0.1875% | 1,071 |
| Net operating income to assets | 1.5447% | 832 |
| Return on assets (ROA) | 1.5499% | 861 |
| Pretax return on assets | 1.5507% | 1,481 |
| Return on Equity (ROE) | 11.7184% | 1,466 |
| Retained earnings to average equity (ytd only) | 5.2977% | 2,673 |
| Net charge-offs to loans | 0.0278% | 3,112 |
| Credit loss provision to net charge-offs | 925.9259% | 387 |
| Earnings coverage of net charge-offs (x) | 85.5556% | 669 |
| Efficiency ratio | 63.8429% | 4,382 |
| Assets per employee ($millions) | 3.6679% | 4,498 |
| Cash dividends to net income (ytd only)* | 54.7919% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 4,328 |
| Loan loss allowance to noncurrent loans | 60.3950% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 1,593 |
| Noncurrent loans to loans | 1.8196% | 1,400 |
| Net loans and leases to total assets | 75.0399% | 1,497 |
| Net loans and leases to deposits | 88.4097% | 1,779 |
| Net loans and leases to core deposits | 90.6904% | 2,273 |
| Total domestic deposits to total assets | 84.8775% | 3,179 |
| Equity capital to assets | 13.4299% | 1,203 |
| Core capital (leverage) ratio | 12.4231% | 1,418 |
| Tier 1 risk-based capital ratio | 14.8498% | 3,446 |
| Total risk-based capital ratio | 15.8519% | 3,509 |
| Memoranda: | ||
| Average total assets | $266,597,000 | 2,404 |
| Average earning assets | $248,030,670 | 2,385 |
| Average equity | $35,260,670 | 2,036 |
| Average total loans | $194,545,670 | 2,133 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,138 |
| Cost of funding earning assets | 0.3637% | 3,707 |
| Net interest margin | 4.2796% | 921 |
| Noninterest income to average assets | 0.8109% | 1,671 |
| Noninterest expense to average assets | 3.0823% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6980% | 591 |
| Return on assets (ROA) | 1.6980% | 618 |
| Pretax return on assets | 1.6995% | 1,049 |
| Return on Equity (ROE) | 12.9361% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.8337% | 466 |
| Net charge-offs to loans | 0.0271% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 87.5385% | 549 |
| Efficiency ratio | 64.0225% | 4,478 |
| Assets per employee ($millions) | 3.7785% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.7916% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 4,869 |
| Loan loss allowance to noncurrent loans | 103.2563% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8817% | 2,871 |
| Noncurrent loans to loans | 0.9968% | 2,770 |
| Net loans and leases to total assets | 71.4724% | 1,900 |
| Net loans and leases to deposits | 84.0864% | 2,058 |
| Net loans and leases to core deposits | 86.0468% | 2,547 |
| Total domestic deposits to total assets | 84.9988% | 3,405 |
| Equity capital to assets | 13.5854% | 1,136 |
| Core capital (leverage) ratio | 12.4622% | 1,375 |
| Tier 1 risk-based capital ratio | 15.3885% | 3,202 |
| Total risk-based capital ratio | 16.3104% | 3,324 |
| Memoranda: | ||
| Average total assets | $267,850,500 | 2,401 |
| Average earning assets | $248,527,000 | 2,390 |
| Average equity | $35,157,500 | 2,057 |
| Average total loans | $191,631,000 | 2,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,557 |
| Cost of funding earning assets | 0.4070% | 3,617 |
| Net interest margin | 4.1931% | 1,323 |
| Noninterest income to average assets | 0.8207% | 1,790 |
| Noninterest expense to average assets | 3.0081% | 2,818 |
| Loan and lease loss provision to assets | 0.0373% | 3,831 |
| Net operating income to assets | 1.6712% | 612 |
| Return on assets (ROA) | 1.7186% | 578 |
| Pretax return on assets | 1.7200% | 946 |
| Return on Equity (ROE) | 13.7873% | 972 |
| Retained earnings to average equity (ytd only) | 6.5749% | 1,609 |
| Net charge-offs to loans | -0.0767% | 6,047 |
| Credit loss provision to net charge-offs | -69.4444% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2985% | 4,706 |
| Assets per employee ($millions) | 3.8743% | 4,218 |
| Cash dividends to net income (ytd only)* | 52.3117% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,906 |
| Loan loss allowance to noncurrent loans | 100.5589% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 2,984 |
| Noncurrent loans to loans | 1.0237% | 2,779 |
| Net loans and leases to total assets | 70.1593% | 2,212 |
| Net loans and leases to deposits | 81.6648% | 2,515 |
| Net loans and leases to core deposits | 83.6792% | 2,929 |
| Total domestic deposits to total assets | 85.9113% | 2,890 |
| Equity capital to assets | 12.6776% | 1,551 |
| Core capital (leverage) ratio | 11.7093% | 1,819 |
| Tier 1 risk-based capital ratio | 14.7466% | 3,633 |
| Total risk-based capital ratio | 15.6702% | 3,760 |
| Memoranda: | ||
| Average total assets | $268,074,200 | 2,367 |
| Average earning assets | $249,169,000 | 2,351 |
| Average equity | $33,414,800 | 2,082 |
| Average total loans | $187,807,800 | 2,137 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,634 |
| Cost of funding earning assets | 0.4131% | 3,648 |
| Net interest margin | 4.1601% | 1,398 |
| Noninterest income to average assets | 0.8061% | 1,873 |
| Noninterest expense to average assets | 2.9904% | 2,834 |
| Loan and lease loss provision to assets | 0.0374% | 3,653 |
| Net operating income to assets | 1.6496% | 674 |
| Return on assets (ROA) | 1.7129% | 625 |
| Pretax return on assets | 1.7144% | 1,035 |
| Return on Equity (ROE) | 13.8020% | 1,027 |
| Retained earnings to average equity (ytd only) | 7.1663% | 1,730 |
| Net charge-offs to loans | 0.0164% | 4,212 |
| Credit loss provision to net charge-offs | 326.0870% | 855 |
| Earnings coverage of net charge-offs (x) | 147.1542% | 421 |
| Efficiency ratio | 63.4542% | 4,637 |
| Assets per employee ($millions) | 3.9237% | 4,039 |
| Cash dividends to net income (ytd only)* | 48.0781% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 5,548 |
| Loan loss allowance to noncurrent loans | 97.7024% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 3,069 |
| Noncurrent loans to loans | 0.9398% | 3,213 |
| Net loans and leases to total assets | 71.1834% | 1,996 |
| Net loans and leases to deposits | 82.7546% | 2,329 |
| Net loans and leases to core deposits | 84.8347% | 2,796 |
| Total domestic deposits to total assets | 86.0174% | 2,837 |
| Equity capital to assets | 12.5417% | 1,669 |
| Core capital (leverage) ratio | 11.7506% | 1,863 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,872 |
| Total risk-based capital ratio | 15.3452% | 4,086 |
| Memoranda: | ||
| Average total assets | $267,292,000 | 2,394 |
| Average earning assets | $248,835,500 | 2,369 |
| Average equity | $33,173,000 | 2,105 |
| Average total loans | $186,696,500 | 2,161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,655 |
| Cost of funding earning assets | 0.4193% | 3,670 |
| Net interest margin | 4.1363% | 1,407 |
| Noninterest income to average assets | 0.7800% | 1,913 |
| Noninterest expense to average assets | 2.9803% | 2,901 |
| Loan and lease loss provision to assets | 0.0376% | 3,544 |
| Net operating income to assets | 1.6082% | 695 |
| Return on assets (ROA) | 1.7036% | 601 |
| Pretax return on assets | 1.7051% | 1,009 |
| Return on Equity (ROE) | 13.7760% | 998 |
| Retained earnings to average equity (ytd only) | 7.2313% | 1,647 |
| Net charge-offs to loans | -0.0054% | 5,189 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9331% | 4,699 |
| Assets per employee ($millions) | 3.9643% | 3,915 |
| Cash dividends to net income (ytd only)* | 47.5077% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 5,604 |
| Loan loss allowance to noncurrent loans | 97.0732% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 3,085 |
| Noncurrent loans to loans | 0.9685% | 3,301 |
| Net loans and leases to total assets | 71.0504% | 1,913 |
| Net loans and leases to deposits | 82.6479% | 2,175 |
| Net loans and leases to core deposits | 84.9753% | 2,621 |
| Total domestic deposits to total assets | 85.9676% | 3,058 |
| Equity capital to assets | 12.5935% | 1,586 |
| Core capital (leverage) ratio | 11.7855% | 1,797 |
| Tier 1 risk-based capital ratio | 14.4558% | 3,956 |
| Total risk-based capital ratio | 15.3029% | 4,153 |
| Memoranda: | ||
| Average total assets | $266,144,000 | 2,399 |
| Average earning assets | $247,566,670 | 2,382 |
| Average equity | $32,912,330 | 2,105 |
| Average total loans | $184,093,670 | 2,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 1,750 |
| Cost of funding earning assets | 0.4284% | 3,661 |
| Net interest margin | 4.0907% | 1,484 |
| Noninterest income to average assets | 0.7642% | 1,893 |
| Noninterest expense to average assets | 3.0359% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5119% | 792 |
| Return on assets (ROA) | 1.5224% | 814 |
| Pretax return on assets | 1.5239% | 1,359 |
| Return on Equity (ROE) | 12.4249% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.5992% | 817 |
| Net charge-offs to loans | -0.0221% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2706% | 4,490 |
| Assets per employee ($millions) | 3.9539% | 4,038 |
| Cash dividends to net income (ytd only)* | 14.6943% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 5,643 |
| Loan loss allowance to noncurrent loans | 104.5536% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 3,390 |
| Noncurrent loans to loans | 0.9259% | 3,567 |
| Net loans and leases to total assets | 67.3869% | 2,323 |
| Net loans and leases to deposits | 78.3712% | 2,497 |
| Net loans and leases to core deposits | 81.5047% | 2,790 |
| Total domestic deposits to total assets | 85.9842% | 3,373 |
| Equity capital to assets | 12.4945% | 1,579 |
| Core capital (leverage) ratio | 11.5979% | 1,898 |
| Tier 1 risk-based capital ratio | 14.9213% | 3,754 |
| Total risk-based capital ratio | 15.7828% | 3,942 |
| Memoranda: | ||
| Average total assets | $266,413,000 | 2,408 |
| Average earning assets | $246,513,000 | 2,383 |
| Average equity | $32,644,000 | 2,113 |
| Average total loans | $180,888,000 | 2,225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 1,603 |
| Cost of funding earning assets | 0.4918% | 3,687 |
| Net interest margin | 4.1957% | 1,362 |
| Noninterest income to average assets | 0.9479% | 1,528 |
| Noninterest expense to average assets | 3.0512% | 2,896 |
| Loan and lease loss provision to assets | 0.3151% | 1,055 |
| Net operating income to assets | 1.4458% | 927 |
| Return on assets (ROA) | 1.4458% | 968 |
| Pretax return on assets | 1.4473% | 1,633 |
| Return on Equity (ROE) | 12.2725% | 1,335 |
| Retained earnings to average equity (ytd only) | 6.4512% | 1,716 |
| Net charge-offs to loans | 0.5525% | 1,195 |
| Credit loss provision to net charge-offs | 88.9474% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.9747% | 3,413 |
| Efficiency ratio | 62.9377% | 5,070 |
| Assets per employee ($millions) | 4.0593% | 3,739 |
| Cash dividends to net income (ytd only)* | 47.4336% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 5,739 |
| Loan loss allowance to noncurrent loans | 114.8246% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 3,717 |
| Noncurrent loans to loans | 0.8324% | 3,901 |
| Net loans and leases to total assets | 67.1036% | 2,505 |
| Net loans and leases to deposits | 77.7140% | 2,762 |
| Net loans and leases to core deposits | 80.9927% | 3,009 |
| Total domestic deposits to total assets | 86.3469% | 3,083 |
| Equity capital to assets | 12.0145% | 1,795 |
| Core capital (leverage) ratio | 10.9563% | 2,432 |
| Tier 1 risk-based capital ratio | 14.3523% | 4,046 |
| Total risk-based capital ratio | 15.2010% | 4,266 |
| Memoranda: | ||
| Average total assets | $268,160,400 | 2,365 |
| Average earning assets | $247,059,600 | 2,359 |
| Average equity | $31,591,000 | 2,150 |
| Average total loans | $171,952,800 | 2,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,726 |
| Cost of funding earning assets | 0.5001% | 3,762 |
| Net interest margin | 4.1585% | 1,459 |
| Noninterest income to average assets | 0.9644% | 1,568 |
| Noninterest expense to average assets | 3.0780% | 2,733 |
| Loan and lease loss provision to assets | 0.3952% | 775 |
| Net operating income to assets | 1.3178% | 1,302 |
| Return on assets (ROA) | 1.3178% | 1,360 |
| Pretax return on assets | 1.3188% | 2,268 |
| Return on Equity (ROE) | 11.2418% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.2201% | 2,919 |
| Net charge-offs to loans | 0.7431% | 803 |
| Credit loss provision to net charge-offs | 84.1270% | 2,746 |
| Earnings coverage of net charge-offs (x) | 3.6487% | 3,645 |
| Efficiency ratio | 63.7863% | 4,837 |
| Assets per employee ($millions) | 3.7212% | 4,416 |
| Cash dividends to net income (ytd only)* | 53.5648% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 5,869 |
| Loan loss allowance to noncurrent loans | 112.0027% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 3,953 |
| Noncurrent loans to loans | 0.8605% | 4,099 |
| Net loans and leases to total assets | 63.8891% | 3,015 |
| Net loans and leases to deposits | 73.5626% | 3,304 |
| Net loans and leases to core deposits | 76.5746% | 3,557 |
| Total domestic deposits to total assets | 86.8499% | 2,774 |
| Equity capital to assets | 11.5951% | 2,227 |
| Core capital (leverage) ratio | 10.6309% | 2,858 |
| Tier 1 risk-based capital ratio | 14.3565% | 4,178 |
| Total risk-based capital ratio | 15.2067% | 4,415 |
| Memoranda: | ||
| Average total assets | $268,221,250 | 2,381 |
| Average earning assets | $246,875,000 | 2,371 |
| Average equity | $31,441,500 | 2,180 |
| Average total loans | $169,561,750 | 2,317 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 1,307 |
| Cost of funding earning assets | 0.5441% | 3,472 |
| Net interest margin | 4.2671% | 1,097 |
| Noninterest income to average assets | 1.0718% | 1,335 |
| Noninterest expense to average assets | 3.1614% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8191% | 495 |
| Return on assets (ROA) | 1.8191% | 532 |
| Pretax return on assets | 1.8203% | 894 |
| Return on Equity (ROE) | 16.4148% | 617 |
| Retained earnings to average equity (ytd only) | 7.5215% | 1,661 |
| Net charge-offs to loans | 0.0234% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 128.4545% | 377 |
| Efficiency ratio | 62.7101% | 5,063 |
| Assets per employee ($millions) | 3.2566% | 5,364 |
| Cash dividends to net income (ytd only)* | 54.1785% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,360 |
| Loan loss allowance to noncurrent loans | 888.5057% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,171 |
| Noncurrent loans to loans | 0.0897% | 6,129 |
| Net loans and leases to total assets | 60.2949% | 3,608 |
| Net loans and leases to deposits | 68.9446% | 3,866 |
| Net loans and leases to core deposits | 72.9001% | 3,947 |
| Total domestic deposits to total assets | 87.4541% | 2,561 |
| Equity capital to assets | 10.6189% | 3,149 |
| Core capital (leverage) ratio | 11.1186% | 2,237 |
| Tier 1 risk-based capital ratio | 15.0011% | 3,776 |
| Total risk-based capital ratio | 15.6845% | 4,105 |
| Memoranda: | ||
| Average total assets | $155,245,670 | 3,685 |
| Average earning assets | $142,251,000 | 3,686 |
| Average equity | $17,204,000 | 3,593 |
| Average total loans | $94,063,330 | 3,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,289 |
| Cost of funding earning assets | 0.5692% | 3,390 |
| Net interest margin | 4.2320% | 1,115 |
| Noninterest income to average assets | 1.0243% | 1,414 |
| Noninterest expense to average assets | 3.1617% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7481% | 522 |
| Return on assets (ROA) | 1.7481% | 580 |
| Pretax return on assets | 1.7481% | 976 |
| Return on Equity (ROE) | 15.4383% | 688 |
| Retained earnings to average equity (ytd only) | 15.4383% | 319 |
| Net charge-offs to loans | 0.0432% | 3,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 66.9000% | 541 |
| Efficiency ratio | 63.6509% | 5,061 |
| Assets per employee ($millions) | 3.3287% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 6,420 |
| Loan loss allowance to noncurrent loans | 274.1135% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 4,663 |
| Noncurrent loans to loans | 0.2997% | 5,650 |
| Net loans and leases to total assets | 60.9498% | 3,258 |
| Net loans and leases to deposits | 69.7584% | 3,523 |
| Net loans and leases to core deposits | 73.9148% | 3,588 |
| Total domestic deposits to total assets | 87.3727% | 2,708 |
| Equity capital to assets | 11.5268% | 2,386 |
| Core capital (leverage) ratio | 11.3179% | 2,006 |
| Tier 1 risk-based capital ratio | 15.4174% | 3,582 |
| Total risk-based capital ratio | 16.1195% | 3,890 |
| Memoranda: | ||
| Average total assets | $153,081,500 | 3,757 |
| Average earning assets | $140,547,000 | 3,758 |
| Average equity | $17,333,500 | 3,612 |
| Average total loans | $92,601,000 | 3,685 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 946 |
| Cost of funding earning assets | 0.6570% | 3,856 |
| Net interest margin | 4.6312% | 740 |
| Noninterest income to average assets | 0.8552% | 2,016 |
| Noninterest expense to average assets | 3.1466% | 2,787 |
| Loan and lease loss provision to assets | 0.1650% | 3,546 |
| Net operating income to assets | 1.7813% | 530 |
| Return on assets (ROA) | 1.7998% | 573 |
| Pretax return on assets | 1.8026% | 915 |
| Return on Equity (ROE) | 15.4438% | 740 |
| Retained earnings to average equity (ytd only) | 4.1647% | 3,297 |
| Net charge-offs to loans | 0.0341% | 5,440 |
| Credit loss provision to net charge-offs | 774.1935% | 317 |
| Earnings coverage of net charge-offs (x) | 91.4516% | 426 |
| Efficiency ratio | 60.9687% | 5,390 |
| Assets per employee ($millions) | 3.4009% | 5,215 |
| Cash dividends to net income (ytd only)* | 73.0328% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,373 |
| Loan loss allowance to noncurrent loans | 257.5658% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 4,653 |
| Noncurrent loans to loans | 0.3337% | 5,653 |
| Net loans and leases to total assets | 59.0158% | 3,794 |
| Net loans and leases to deposits | 67.2086% | 4,102 |
| Net loans and leases to core deposits | 71.3589% | 4,122 |
| Total domestic deposits to total assets | 87.8099% | 2,341 |
| Equity capital to assets | 11.1192% | 2,812 |
| Core capital (leverage) ratio | 10.6708% | 2,576 |
| Tier 1 risk-based capital ratio | 15.2050% | 3,609 |
| Total risk-based capital ratio | 15.9358% | 3,863 |
| Memoranda: | ||
| Average total assets | $145,458,000 | 3,854 |
| Average earning assets | $133,184,200 | 3,839 |
| Average equity | $16,951,800 | 3,639 |
| Average total loans | $90,865,000 | 3,728 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4245% | 791 |
| Cost of funding earning assets | 0.6730% | 3,992 |
| Net interest margin | 4.7515% | 606 |
| Noninterest income to average assets | 0.8897% | 1,870 |
| Noninterest expense to average assets | 3.1902% | 2,598 |
| Loan and lease loss provision to assets | 0.2229% | 2,833 |
| Net operating income to assets | 1.8277% | 538 |
| Return on assets (ROA) | 1.8287% | 600 |
| Pretax return on assets | 1.8315% | 980 |
| Return on Equity (ROE) | 15.5016% | 818 |
| Retained earnings to average equity (ytd only) | 6.8415% | 2,213 |
| Net charge-offs to loans | 0.0441% | 5,037 |
| Credit loss provision to net charge-offs | 800.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 73.6983% | 564 |
| Efficiency ratio | 60.0779% | 5,482 |
| Assets per employee ($millions) | 3.3190% | 5,399 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 6,454 |
| Loan loss allowance to noncurrent loans | 76.8400% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 3,767 |
| Noncurrent loans to loans | 1.1349% | 4,161 |
| Net loans and leases to total assets | 59.5920% | 3,858 |
| Net loans and leases to deposits | 68.1822% | 4,156 |
| Net loans and leases to core deposits | 72.8410% | 4,149 |
| Total domestic deposits to total assets | 87.4011% | 2,423 |
| Equity capital to assets | 11.5886% | 2,661 |
| Core capital (leverage) ratio | 11.1182% | 2,283 |
| Tier 1 risk-based capital ratio | 15.8536% | 3,346 |
| Total risk-based capital ratio | 16.6086% | 3,573 |
| Memoranda: | ||
| Average total assets | $143,562,000 | 3,926 |
| Average earning assets | $131,548,750 | 3,903 |
| Average equity | $16,935,500 | 3,672 |
| Average total loans | $90,805,750 | 3,768 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 685 |
| Cost of funding earning assets | 0.6681% | 4,292 |
| Net interest margin | 4.8546% | 512 |
| Noninterest income to average assets | 0.8586% | 1,938 |
| Noninterest expense to average assets | 3.2027% | 2,581 |
| Loan and lease loss provision to assets | 0.3107% | 2,123 |
| Net operating income to assets | 1.8047% | 558 |
| Return on assets (ROA) | 1.8047% | 625 |
| Pretax return on assets | 1.8089% | 1,026 |
| Return on Equity (ROE) | 15.2040% | 905 |
| Retained earnings to average equity (ytd only) | 9.2676% | 1,187 |
| Net charge-offs to loans | 0.0724% | 4,421 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 45.4848% | 791 |
| Efficiency ratio | 59.4057% | 5,677 |
| Assets per employee ($millions) | 3.2900% | 5,463 |
| Cash dividends to net income (ytd only)* | 39.0454% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 6,584 |
| Loan loss allowance to noncurrent loans | 62.2240% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4458% | 3,540 |
| Noncurrent loans to loans | 1.3506% | 3,901 |
| Net loans and leases to total assets | 62.0257% | 3,433 |
| Net loans and leases to deposits | 71.1820% | 3,741 |
| Net loans and leases to core deposits | 76.2177% | 3,747 |
| Total domestic deposits to total assets | 87.1367% | 2,692 |
| Equity capital to assets | 11.8513% | 2,267 |
| Core capital (leverage) ratio | 11.5413% | 1,873 |
| Tier 1 risk-based capital ratio | 15.9814% | 3,177 |
| Total risk-based capital ratio | 16.7259% | 3,422 |
| Memoranda: | ||
| Average total assets | $141,631,330 | 3,980 |
| Average earning assets | $130,227,670 | 3,952 |
| Average equity | $16,811,330 | 3,679 |
| Average total loans | $91,145,670 | 3,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8692% | 372 |
| Cost of funding earning assets | 0.6331% | 4,865 |
| Net interest margin | 5.2361% | 280 |
| Noninterest income to average assets | 0.8139% | 2,097 |
| Noninterest expense to average assets | 3.2642% | 2,407 |
| Loan and lease loss provision to assets | 0.4998% | 1,218 |
| Net operating income to assets | 1.8391% | 555 |
| Return on assets (ROA) | 1.8391% | 628 |
| Pretax return on assets | 1.8448% | 985 |
| Return on Equity (ROE) | 15.4817% | 893 |
| Retained earnings to average equity (ytd only) | 15.4817% | 406 |
| Net charge-offs to loans | 0.0744% | 3,755 |
| Credit loss provision to net charge-offs | 1,029.4118% | 332 |
| Earnings coverage of net charge-offs (x) | 48.2941% | 654 |
| Efficiency ratio | 57.4847% | 5,974 |
| Assets per employee ($millions) | 3.1735% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 6,752 |
| Loan loss allowance to noncurrent loans | 48.9290% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6959% | 3,314 |
| Noncurrent loans to loans | 1.6250% | 3,675 |
| Net loans and leases to total assets | 65.3188% | 2,593 |
| Net loans and leases to deposits | 75.5154% | 2,885 |
| Net loans and leases to core deposits | 80.8284% | 2,967 |
| Total domestic deposits to total assets | 86.4974% | 3,246 |
| Equity capital to assets | 12.1269% | 1,955 |
| Core capital (leverage) ratio | 11.7612% | 1,728 |
| Tier 1 risk-based capital ratio | 15.6817% | 3,343 |
| Total risk-based capital ratio | 16.3899% | 3,625 |
| Memoranda: | ||
| Average total assets | $140,066,500 | 4,033 |
| Average earning assets | $128,263,000 | 4,018 |
| Average equity | $16,639,000 | 3,706 |
| Average total loans | $91,443,500 | 3,791 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4742% | 186 |
| Cost of funding earning assets | 0.2274% | 7,205 |
| Net interest margin | 6.2467% | 75 |
| Noninterest income to average assets | 0.8882% | 1,716 |
| Noninterest expense to average assets | 3.6671% | 1,602 |
| Loan and lease loss provision to assets | 0.3902% | 2,651 |
| Net operating income to assets | 2.4846% | 134 |
| Return on assets (ROA) | 2.4846% | 142 |
| Pretax return on assets | 2.4854% | 211 |
| Return on Equity (ROE) | 25.3315% | 97 |
| Retained earnings to average equity (ytd only) | 25.3315% | 22 |
| Net charge-offs to loans | -0.0066% | 6,855 |
| Credit loss provision to net charge-offs | -8,750.0000% | 6,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2880% | 6,389 |
| Assets per employee ($millions) | 3.1932% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 6,986 |
| Loan loss allowance to noncurrent loans | 36.3521% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 3,102 |
| Noncurrent loans to loans | 1.7361% | 3,567 |
| Net loans and leases to total assets | 64.3241% | 3,117 |
| Net loans and leases to deposits | 74.0981% | 3,489 |
| Net loans and leases to core deposits | 79.7726% | 3,472 |
| Total domestic deposits to total assets | 86.8093% | 2,872 |
| Equity capital to assets | 11.6334% | 2,403 |
| Core capital (leverage) ratio | 11.2784% | 2,060 |
| Tier 1 risk-based capital ratio | 15.2768% | 3,463 |
| Total risk-based capital ratio | 15.8416% | 3,888 |
| Memoranda: | ||
| Average total assets | $134,546,600 | 4,085 |
| Average earning assets | $121,791,400 | 4,098 |
| Average equity | $13,197,000 | 4,304 |
| Average total loans | $90,257,600 | 3,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1419% | 369 |
| Cost of funding earning assets | 0.3394% | 7,146 |
| Net interest margin | 5.8025% | 116 |
| Noninterest income to average assets | 0.7986% | 2,059 |
| Noninterest expense to average assets | 3.7647% | 1,373 |
| Loan and lease loss provision to assets | 0.3006% | 3,119 |
| Net operating income to assets | 1.9750% | 360 |
| Return on assets (ROA) | 1.9750% | 391 |
| Pretax return on assets | 1.9760% | 657 |
| Return on Equity (ROE) | 21.1759% | 253 |
| Retained earnings to average equity (ytd only) | 21.1759% | 62 |
| Net charge-offs to loans | 0.0044% | 6,131 |
| Credit loss provision to net charge-offs | 10,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 757.3150% | 41 |
| Efficiency ratio | 62.3155% | 5,365 |
| Assets per employee ($millions) | 3.0724% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3916% | 7,236 |
| Loan loss allowance to noncurrent loans | 48.2955% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 4,468 |
| Noncurrent loans to loans | 0.8109% | 5,246 |
| Net loans and leases to total assets | 63.9669% | 3,313 |
| Net loans and leases to deposits | 72.7446% | 3,841 |
| Net loans and leases to core deposits | 78.0929% | 3,894 |
| Total domestic deposits to total assets | 87.9335% | 2,070 |
| Equity capital to assets | 10.3333% | 3,916 |
| Core capital (leverage) ratio | 10.2090% | 3,182 |
| Tier 1 risk-based capital ratio | 13.8359% | 4,466 |
| Total risk-based capital ratio | 14.1857% | 5,124 |
| Memoranda: | ||
| Average total assets | $133,058,000 | 4,129 |
| Average earning assets | $120,220,500 | 4,147 |
| Average equity | $12,410,000 | 4,469 |
| Average total loans | $90,084,500 | 3,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1423% | 359 |
| Cost of funding earning assets | 0.2080% | 7,406 |
| Net interest margin | 5.9343% | 99 |
| Noninterest income to average assets | 0.6936% | 2,587 |
| Noninterest expense to average assets | 3.9910% | 1,066 |
| Loan and lease loss provision to assets | 0.2418% | 3,488 |
| Net operating income to assets | 1.8497% | 446 |
| Return on assets (ROA) | 1.8497% | 473 |
| Pretax return on assets | 1.8497% | 792 |
| Return on Equity (ROE) | 20.5882% | 279 |
| Retained earnings to average equity (ytd only) | 20.5882% | 86 |
| Net charge-offs to loans | 0.0022% | 5,854 |
| Credit loss provision to net charge-offs | 16,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,384.0000% | 10 |
| Efficiency ratio | 65.6149% | 4,950 |
| Assets per employee ($millions) | 2.8814% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2271% | 7,384 |
| Loan loss allowance to noncurrent loans | 8.2483% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 2.3395% | 2,816 |
| Noncurrent loans to loans | 2.7529% | 2,646 |
| Net loans and leases to total assets | 70.0110% | 2,216 |
| Net loans and leases to deposits | 79.6054% | 2,866 |
| Net loans and leases to core deposits | 85.3782% | 3,014 |
| Total domestic deposits to total assets | 87.9476% | 2,170 |
| Equity capital to assets | 10.2311% | 3,841 |
| Core capital (leverage) ratio | 9.9992% | 3,266 |
| Tier 1 risk-based capital ratio | 12.6708% | 5,203 |
| Total risk-based capital ratio | 12.8741% | 6,072 |
| Memoranda: | ||
| Average total assets | $132,349,330 | 4,175 |
| Average earning assets | $120,183,330 | 4,181 |
| Average equity | $11,890,330 | 4,581 |
| Average total loans | $91,175,000 | 3,916 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 860 |
| Cost of funding earning assets | 0.1243% | 7,515 |
| Net interest margin | 5.5881% | 145 |
| Noninterest income to average assets | 0.7163% | 2,479 |
| Noninterest expense to average assets | 4.2417% | 782 |
| Loan and lease loss provision to assets | 0.2960% | 2,792 |
| Net operating income to assets | 1.2373% | 1,434 |
| Return on assets (ROA) | 1.2373% | 1,488 |
| Pretax return on assets | 1.2373% | 2,242 |
| Return on Equity (ROE) | 14.7313% | 868 |
| Retained earnings to average equity (ytd only) | 14.7313% | 417 |
| Net charge-offs to loans | -0.0043% | 6,226 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4495% | 3,613 |
| Assets per employee ($millions) | 2.0115% | 7,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1575% | 7,460 |
| Loan loss allowance to noncurrent loans | 5.3711% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 2.4888% | 2,739 |
| Noncurrent loans to loans | 2.9315% | 2,561 |
| Net loans and leases to total assets | 72.0539% | 1,716 |
| Net loans and leases to deposits | 80.9954% | 2,525 |
| Net loans and leases to core deposits | 86.1685% | 2,845 |
| Total domestic deposits to total assets | 88.9604% | 1,797 |
| Equity capital to assets | 9.3233% | 4,689 |
| Core capital (leverage) ratio | 9.1688% | 4,340 |
| Tier 1 risk-based capital ratio | 11.7708% | 5,878 |
| Total risk-based capital ratio | 11.9166% | 6,696 |
| Memoranda: | ||
| Average total assets | $135,134,000 | 4,152 |
| Average earning assets | $122,330,500 | 4,176 |
| Average equity | $11,350,000 | 4,706 |
| Average total loans | $92,281,500 | 3,921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8189% | 7,606 |
| Cost of funding earning assets | -0.0015% | 7,658 |
| Net interest margin | 0.8204% | 7,593 |
| Noninterest income to average assets | 0.4928% | 4,225 |
| Noninterest expense to average assets | 0.3254% | 7,626 |
| Loan and lease loss provision to assets | 0.0282% | 6,847 |
| Net operating income to assets | 0.8686% | 2,518 |
| Return on assets (ROA) | 0.8686% | 2,651 |
| Pretax return on assets | 0.8686% | 3,412 |
| Return on Equity (ROE) | 15.9223% | 594 |
| Retained earnings to average equity (ytd only) | 15.9223% | 100 |
| Net charge-offs to loans | -0.0010% | 7,229 |
| Credit loss provision to net charge-offs | -4,200.0000% | 7,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6227% | 7,597 |
| Assets per employee ($millions) | 3.1898% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0462% | 7,565 |
| Loan loss allowance to noncurrent loans | 1.7725% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 2.1290% | 3,176 |
| Noncurrent loans to loans | 2.6056% | 2,919 |
| Net loans and leases to total assets | 64.8347% | 3,703 |
| Net loans and leases to deposits | 77.3678% | 3,609 |
| Net loans and leases to core deposits | 86.1617% | 3,301 |
| Total domestic deposits to total assets | 83.8006% | 4,450 |
| Equity capital to assets | 7.5831% | 6,828 |
| Core capital (leverage) ratio | 7.3241% | 6,828 |
| Tier 1 risk-based capital ratio | 10.4843% | 6,711 |
| Total risk-based capital ratio | 10.5245% | 7,194 |
| Memoranda: | ||
| Average total assets | $148,746,400 | 3,893 |
| Average earning assets | $132,250,200 | 3,968 |
| Average equity | $8,114,400 | 5,680 |
| Average total loans | $102,489,600 | 3,727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 1,779 |
| Cost of funding earning assets | 1.3881% | 3,646 |
| Net interest margin | 4.2922% | 1,871 |
| Noninterest income to average assets | 0.6922% | 2,863 |
| Noninterest expense to average assets | 3.4424% | 2,180 |
| Loan and lease loss provision to assets | 0.4843% | 3,054 |
| Net operating income to assets | 0.5508% | 4,087 |
| Return on assets (ROA) | 0.6229% | 3,951 |
| Pretax return on assets | 0.6273% | 4,499 |
| Return on Equity (ROE) | 12.5933% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.5933% | 390 |
| Net charge-offs to loans | 2.2893% | 778 |
| Credit loss provision to net charge-offs | 30.2778% | 6,150 |
| Earnings coverage of net charge-offs (x) | 0.6494% | 5,394 |
| Efficiency ratio | 76.8194% | 2,791 |
| Assets per employee ($millions) | 3.2155% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4636% | 1,384 |
| Loan loss allowance to noncurrent loans | 121.4908% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 3.9449% | 1,780 |
| Noncurrent loans to loans | 2.0278% | 3,644 |
| Net loans and leases to total assets | 67.1839% | 3,413 |
| Net loans and leases to deposits | 81.4199% | 3,196 |
| Net loans and leases to core deposits | 96.2115% | 2,232 |
| Total domestic deposits to total assets | 82.5153% | 4,795 |
| Equity capital to assets | 5.2869% | 7,550 |
| Core capital (leverage) ratio | 5.0652% | 7,539 |
| Tier 1 risk-based capital ratio | 6.8757% | 7,555 |
| Total risk-based capital ratio | 8.1368% | 7,563 |
| Memoranda: | ||
| Average total assets | $150,047,500 | 3,926 |
| Average earning assets | $132,453,000 | 4,020 |
| Average equity | $7,421,750 | 5,976 |
| Average total loans | $104,835,000 | 3,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7340% | 1,623 |
| Cost of funding earning assets | 1.4422% | 3,603 |
| Net interest margin | 4.2918% | 1,806 |
| Noninterest income to average assets | 0.6792% | 2,822 |
| Noninterest expense to average assets | 3.4970% | 2,037 |
| Loan and lease loss provision to assets | 0.3980% | 3,335 |
| Net operating income to assets | 0.5532% | 4,075 |
| Return on assets (ROA) | 0.6620% | 3,724 |
| Pretax return on assets | 0.6633% | 4,358 |
| Return on Equity (ROE) | 13.6919% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.6919% | 327 |
| Net charge-offs to loans | 3.1129% | 501 |
| Credit loss provision to net charge-offs | 18.2149% | 5,873 |
| Earnings coverage of net charge-offs (x) | 0.4359% | 5,286 |
| Efficiency ratio | 78.5927% | 2,642 |
| Assets per employee ($millions) | 3.0936% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2942% | 1,594 |
| Loan loss allowance to noncurrent loans | 190.8445% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 2.9994% | 2,379 |
| Noncurrent loans to loans | 1.2021% | 4,956 |
| Net loans and leases to total assets | 69.3491% | 3,049 |
| Net loans and leases to deposits | 83.8524% | 2,892 |
| Net loans and leases to core deposits | 100.0427% | 2,011 |
| Total domestic deposits to total assets | 82.7038% | 4,693 |
| Equity capital to assets | 5.1187% | 7,626 |
| Core capital (leverage) ratio | 4.9278% | 7,612 |
| Tier 1 risk-based capital ratio | 6.5492% | 7,632 |
| Total risk-based capital ratio | 7.8107% | 7,635 |
| Memoranda: | ||
| Average total assets | $150,759,330 | 3,939 |
| Average earning assets | $132,437,670 | 4,050 |
| Average equity | $7,289,000 | 6,036 |
| Average total loans | $105,819,000 | 3,722 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 1,847 |
| Cost of funding earning assets | 1.5246% | 3,403 |
| Net interest margin | 4.1561% | 2,204 |
| Noninterest income to average assets | 0.6399% | 2,994 |
| Noninterest expense to average assets | 3.3313% | 2,426 |
| Loan and lease loss provision to assets | 0.3950% | 2,998 |
| Net operating income to assets | 0.5004% | 4,388 |
| Return on assets (ROA) | 0.7163% | 3,475 |
| Pretax return on assets | 0.7189% | 4,169 |
| Return on Equity (ROE) | 15.2530% | 829 |
| Retained earnings to average equity (ytd only) | 15.2530% | 390 |
| Net charge-offs to loans | 3.3915% | 426 |
| Credit loss provision to net charge-offs | 16.6852% | 4,981 |
| Earnings coverage of net charge-offs (x) | 0.3793% | 4,701 |
| Efficiency ratio | 78.7671% | 2,766 |
| Assets per employee ($millions) | 3.2757% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8738% | 919 |
| Loan loss allowance to noncurrent loans | 153.8776% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 3.3997% | 2,089 |
| Noncurrent loans to loans | 1.8676% | 3,972 |
| Net loans and leases to total assets | 66.2074% | 3,804 |
| Net loans and leases to deposits | 80.7905% | 3,494 |
| Net loans and leases to core deposits | 102.0831% | 1,894 |
| Total domestic deposits to total assets | 81.9495% | 5,091 |
| Equity capital to assets | 4.6909% | 7,745 |
| Core capital (leverage) ratio | 4.7431% | 7,722 |
| Tier 1 risk-based capital ratio | 6.3111% | 7,736 |
| Total risk-based capital ratio | 7.5784% | 7,736 |
| Memoranda: | ||
| Average total assets | $151,891,500 | 3,981 |
| Average earning assets | $131,181,000 | 4,129 |
| Average equity | $7,133,000 | 6,142 |
| Average total loans | $106,029,500 | 3,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0272% | 1,763 |
| Cost of funding earning assets | 1.8415% | 3,776 |
| Net interest margin | 4.1856% | 2,121 |
| Noninterest income to average assets | 0.7387% | 2,743 |
| Noninterest expense to average assets | 5.5910% | 371 |
| Loan and lease loss provision to assets | 1.9624% | 1,120 |
| Net operating income to assets | -3.0966% | 7,421 |
| Return on assets (ROA) | -2.8945% | 7,380 |
| Pretax return on assets | -2.8932% | 7,262 |
| Return on Equity (ROE) | -38.4446% | 7,546 |
| Retained earnings to average equity (ytd only) | -50.4734% | 7,677 |
| Net charge-offs to loans | 0.4450% | 4,015 |
| Credit loss provision to net charge-offs | 581.9253% | 517 |
| Earnings coverage of net charge-offs (x) | -3.3595% | 7,070 |
| Efficiency ratio | 125.4124% | 518 |
| Assets per employee ($millions) | 3.0577% | 6,074 |
| Cash dividends to net income (ytd only)* | -31.2886% | 7,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5150% | 521 |
| Loan loss allowance to noncurrent loans | 110.7679% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 3.7964% | 1,750 |
| Noncurrent loans to loans | 3.1733% | 2,414 |
| Net loans and leases to total assets | 68.9780% | 3,496 |
| Net loans and leases to deposits | 78.4620% | 4,280 |
| Net loans and leases to core deposits | 94.6913% | 4,602 |
| Total domestic deposits to total assets | 87.9126% | 2,006 |
| Equity capital to assets | 4.7015% | 7,809 |
| Core capital (leverage) ratio | 4.5591% | 7,800 |
| Tier 1 risk-based capital ratio | 6.0372% | 7,811 |
| Total risk-based capital ratio | 7.3122% | 7,814 |
| Memoranda: | ||
| Average total assets | $150,940,200 | 3,946 |
| Average earning assets | $134,126,400 | 4,007 |
| Average equity | $11,364,400 | 4,917 |
| Average total loans | $114,373,600 | 3,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 2,216 |
| Cost of funding earning assets | 1.8525% | 4,137 |
| Net interest margin | 4.1009% | 2,392 |
| Noninterest income to average assets | 0.7495% | 2,713 |
| Noninterest expense to average assets | 3.1345% | 3,520 |
| Loan and lease loss provision to assets | 0.8896% | 2,164 |
| Net operating income to assets | 0.4400% | 4,231 |
| Return on assets (ROA) | 0.6119% | 3,614 |
| Pretax return on assets | 0.6137% | 4,148 |
| Return on Equity (ROE) | 7.4355% | 2,892 |
| Retained earnings to average equity (ytd only) | -7.2105% | 6,531 |
| Net charge-offs to loans | 0.1962% | 4,838 |
| Credit loss provision to net charge-offs | 590.0585% | 654 |
| Earnings coverage of net charge-offs (x) | 8.8306% | 2,189 |
| Efficiency ratio | 70.1876% | 4,554 |
| Assets per employee ($millions) | 3.1976% | 5,652 |
| Cash dividends to net income (ytd only)* | 196.9740% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,037 |
| Loan loss allowance to noncurrent loans | 39.8591% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 6.3265% | 815 |
| Noncurrent loans to loans | 4.7634% | 1,431 |
| Net loans and leases to total assets | 73.9167% | 2,549 |
| Net loans and leases to deposits | 89.9411% | 2,592 |
| Net loans and leases to core deposits | 110.3695% | 3,199 |
| Total domestic deposits to total assets | 82.1835% | 4,595 |
| Equity capital to assets | 8.2102% | 6,629 |
| Core capital (leverage) ratio | 7.8851% | 6,523 |
| Tier 1 risk-based capital ratio | 9.6459% | 7,281 |
| Total risk-based capital ratio | 10.9018% | 7,235 |
| Memoranda: | ||
| Average total assets | $151,218,750 | 3,961 |
| Average earning assets | $137,040,000 | 3,986 |
| Average equity | $12,444,500 | 4,671 |
| Average total loans | $116,189,000 | 3,591 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 2,612 |
| Cost of funding earning assets | 1.8858% | 4,342 |
| Net interest margin | 4.0077% | 2,667 |
| Noninterest income to average assets | 0.7259% | 2,837 |
| Noninterest expense to average assets | 3.1334% | 3,567 |
| Loan and lease loss provision to assets | 0.3999% | 3,520 |
| Net operating income to assets | 0.8421% | 2,691 |
| Return on assets (ROA) | 1.0216% | 2,120 |
| Pretax return on assets | 1.0242% | 2,910 |
| Return on Equity (ROE) | 12.4042% | 1,307 |
| Retained earnings to average equity (ytd only) | -9.5035% | 6,816 |
| Net charge-offs to loans | 0.2936% | 3,720 |
| Credit loss provision to net charge-offs | 176.1628% | 2,601 |
| Earnings coverage of net charge-offs (x) | 5.4826% | 2,826 |
| Efficiency ratio | 71.5707% | 4,490 |
| Assets per employee ($millions) | 3.2351% | 5,495 |
| Cash dividends to net income (ytd only)* | 176.6150% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,543 |
| Loan loss allowance to noncurrent loans | 27.0986% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 6.2814% | 755 |
| Noncurrent loans to loans | 4.6475% | 1,374 |
| Net loans and leases to total assets | 74.4055% | 2,592 |
| Net loans and leases to deposits | 91.3300% | 2,594 |
| Net loans and leases to core deposits | 113.3663% | 2,980 |
| Total domestic deposits to total assets | 81.4688% | 4,908 |
| Equity capital to assets | 8.0755% | 6,658 |
| Core capital (leverage) ratio | 7.9547% | 6,413 |
| Tier 1 risk-based capital ratio | 9.4650% | 7,422 |
| Total risk-based capital ratio | 10.6003% | 7,492 |
| Memoranda: | ||
| Average total assets | $151,529,000 | 3,971 |
| Average earning assets | $138,085,000 | 3,989 |
| Average equity | $12,479,670 | 4,686 |
| Average total loans | $117,172,670 | 3,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 3,628 |
| Cost of funding earning assets | 1.9187% | 4,540 |
| Net interest margin | 3.8143% | 3,389 |
| Noninterest income to average assets | 0.7431% | 2,641 |
| Noninterest expense to average assets | 3.0621% | 3,513 |
| Loan and lease loss provision to assets | 0.2777% | 3,735 |
| Net operating income to assets | 0.8991% | 2,706 |
| Return on assets (ROA) | 1.0683% | 2,206 |
| Pretax return on assets | 1.0683% | 3,109 |
| Return on Equity (ROE) | 12.8458% | 1,428 |
| Retained earnings to average equity (ytd only) | -22.7663% | 7,716 |
| Net charge-offs to loans | 0.0371% | 4,992 |
| Credit loss provision to net charge-offs | 954.5455% | 652 |
| Earnings coverage of net charge-offs (x) | 40.4545% | 840 |
| Efficiency ratio | 72.2396% | 4,150 |
| Assets per employee ($millions) | 3.2138% | 5,560 |
| Cash dividends to net income (ytd only)* | 277.2277% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 4,824 |
| Loan loss allowance to noncurrent loans | 18.8144% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 6.3827% | 594 |
| Noncurrent loans to loans | 6.3633% | 717 |
| Net loans and leases to total assets | 76.8181% | 2,083 |
| Net loans and leases to deposits | 95.1667% | 2,083 |
| Net loans and leases to core deposits | 117.3924% | 2,647 |
| Total domestic deposits to total assets | 80.7195% | 5,083 |
| Equity capital to assets | 8.1225% | 6,647 |
| Core capital (leverage) ratio | 7.9816% | 6,483 |
| Tier 1 risk-based capital ratio | 9.4119% | 7,501 |
| Total risk-based capital ratio | 10.5232% | 7,586 |
| Memoranda: | ||
| Average total assets | $151,267,500 | 3,990 |
| Average earning assets | $138,636,500 | 3,982 |
| Average equity | $12,580,000 | 4,684 |
| Average total loans | $118,470,000 | 3,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7399% | 1,904 |
| Cost of funding earning assets | 2.5134% | 4,135 |
| Net interest margin | 4.2265% | 2,203 |
| Noninterest income to average assets | 0.8240% | 2,388 |
| Noninterest expense to average assets | 3.2700% | 3,074 |
| Loan and lease loss provision to assets | 0.1198% | 5,833 |
| Net operating income to assets | 1.3278% | 1,409 |
| Return on assets (ROA) | 1.3385% | 1,330 |
| Pretax return on assets | 1.3398% | 2,170 |
| Return on Equity (ROE) | 16.2800% | 733 |
| Retained earnings to average equity (ytd only) | 4.1934% | 2,513 |
| Net charge-offs to loans | 0.0544% | 6,008 |
| Credit loss provision to net charge-offs | 276.9231% | 1,650 |
| Earnings coverage of net charge-offs (x) | 33.4923% | 1,080 |
| Efficiency ratio | 69.2948% | 4,481 |
| Assets per employee ($millions) | 3.0916% | 5,797 |
| Cash dividends to net income (ytd only)* | 74.2417% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,311 |
| Loan loss allowance to noncurrent loans | 21.3750% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 5.4830% | 595 |
| Noncurrent loans to loans | 5.1364% | 837 |
| Net loans and leases to total assets | 78.0198% | 2,130 |
| Net loans and leases to deposits | 97.5060% | 2,194 |
| Net loans and leases to core deposits | 116.3415% | 3,087 |
| Total domestic deposits to total assets | 80.0153% | 5,017 |
| Equity capital to assets | 8.5097% | 6,068 |
| Core capital (leverage) ratio | 8.4358% | 5,684 |
| Tier 1 risk-based capital ratio | 9.8580% | 6,893 |
| Total risk-based capital ratio | 10.8826% | 7,059 |
| Memoranda: | ||
| Average total assets | $150,244,200 | 3,894 |
| Average earning assets | $138,459,000 | 3,880 |
| Average equity | $12,352,600 | 4,739 |
| Average total loans | $119,430,800 | 3,474 |