Home > First Farmers & Merchants National Bank > Performance and Condition Ratios
First Farmers & Merchants National 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 | 4.7208% | 2,629 |
| Cost of funding earning assets | 0.9314% | 3,455 |
| Net interest margin | 3.7894% | 1,578 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.0439% | 3,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.5930% | 226 |
| Return on assets (ROA) | 2.5930% | 220 |
| Pretax return on assets | 1.7983% | 891 |
| Return on Equity (ROE) | 30.7200% | 173 |
| Retained earnings to average equity (ytd only) | 8.2855% | 1,463 |
| Net charge-offs to loans | 0.3025% | 355 |
| Credit loss provision to net charge-offs | -1.6064% | 4,408 |
| Earnings coverage of net charge-offs (x) | 8.1747% | 2,359 |
| Efficiency ratio | 53.1961% | 3,738 |
| Assets per employee ($millions) | 8.6726% | 1,126 |
| Cash dividends to net income (ytd only)* | 73.0324% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 1,734 |
| Loan loss allowance to noncurrent loans | 416.5049% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,125 |
| Noncurrent loans to loans | 0.3136% | 2,067 |
| Net loans and leases to total assets | 69.2200% | 1,897 |
| Net loans and leases to deposits | 84.3462% | 1,748 |
| Net loans and leases to core deposits | 96.6841% | 1,620 |
| Total domestic deposits to total assets | 82.0700% | 3,117 |
| Equity capital to assets | 9.1049% | 2,607 |
| Core capital (leverage) ratio | 11.3106% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8242% | 1,590 |
| Memoranda: | ||
| Average total assets | $226,377,200 | 2,805 |
| Average earning assets | $219,032,600 | 2,749 |
| Average equity | $19,105,600 | 2,932 |
| Average total loans | $164,604,800 | 2,560 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 2,566 |
| Cost of funding earning assets | 0.7702% | 3,603 |
| Net interest margin | 3.8820% | 1,441 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.0662% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8826% | 576 |
| Return on assets (ROA) | 1.8826% | 568 |
| Pretax return on assets | 1.8826% | 885 |
| Return on Equity (ROE) | 22.7800% | 504 |
| Retained earnings to average equity (ytd only) | -6.7412% | 4,461 |
| Net charge-offs to loans | 0.4048% | 210 |
| Credit loss provision to net charge-offs | -1.6000% | 4,459 |
| Earnings coverage of net charge-offs (x) | 6.3380% | 2,300 |
| Efficiency ratio | 52.3244% | 3,733 |
| Assets per employee ($millions) | 8.1861% | 1,263 |
| Cash dividends to net income (ytd only)* | 129.5992% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,819 |
| Loan loss allowance to noncurrent loans | 416.3107% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 2,092 |
| Noncurrent loans to loans | 0.3151% | 2,104 |
| Net loans and leases to total assets | 72.9900% | 1,466 |
| Net loans and leases to deposits | 89.0734% | 1,299 |
| Net loans and leases to core deposits | 100.2822% | 1,303 |
| Total domestic deposits to total assets | 81.9400% | 3,221 |
| Equity capital to assets | 8.0285% | 3,039 |
| Core capital (leverage) ratio | 10.4058% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7175% | 1,999 |
| Memoranda: | ||
| Average total assets | $224,431,750 | 2,832 |
| Average earning assets | $218,131,250 | 2,766 |
| Average equity | $18,552,000 | 2,963 |
| Average total loans | $164,697,750 | 2,568 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 2,497 |
| Cost of funding earning assets | 0.5829% | 3,793 |
| Net interest margin | 3.9806% | 1,280 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.0393% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0056% | 462 |
| Return on assets (ROA) | 2.0056% | 460 |
| Pretax return on assets | 2.0056% | 740 |
| Return on Equity (ROE) | 24.0400% | 426 |
| Retained earnings to average equity (ytd only) | -0.0531% | 4,108 |
| Net charge-offs to loans | 0.2411% | 342 |
| Credit loss provision to net charge-offs | -4.0201% | 4,496 |
| Earnings coverage of net charge-offs (x) | 11.3668% | 1,966 |
| Efficiency ratio | 50.4165% | 3,885 |
| Assets per employee ($millions) | 8.6493% | 1,024 |
| Cash dividends to net income (ytd only)* | 100.2210% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,228 |
| Loan loss allowance to noncurrent loans | 256.8277% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,264 |
| Noncurrent loans to loans | 0.5780% | 1,294 |
| Net loans and leases to total assets | 72.1500% | 1,513 |
| Net loans and leases to deposits | 87.5763% | 1,384 |
| Net loans and leases to core deposits | 97.3756% | 1,393 |
| Total domestic deposits to total assets | 82.3900% | 3,161 |
| Equity capital to assets | 8.3724% | 2,971 |
| Core capital (leverage) ratio | 10.7873% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2804% | 1,792 |
| Memoranda: | ||
| Average total assets | $225,567,667 | 2,832 |
| Average earning assets | $219,265,000 | 2,764 |
| Average equity | $18,821,000 | 2,965 |
| Average total loans | $165,109,000 | 2,558 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,450 |
| Cost of funding earning assets | 0.4641% | 3,797 |
| Net interest margin | 3.9715% | 1,322 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0876% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9565% | 527 |
| Return on assets (ROA) | 1.9565% | 516 |
| Pretax return on assets | 1.9565% | 838 |
| Return on Equity (ROE) | 23.4900% | 480 |
| Retained earnings to average equity (ytd only) | -14.5609% | 4,544 |
| Net charge-offs to loans | 0.4815% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.5528% | 1,809 |
| Efficiency ratio | 51.6200% | 3,809 |
| Assets per employee ($millions) | 8.0459% | 1,316 |
| Cash dividends to net income (ytd only)* | 161.9910% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,368 |
| Loan loss allowance to noncurrent loans | 125.8594% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 529 |
| Noncurrent loans to loans | 1.1685% | 600 |
| Net loans and leases to total assets | 72.9500% | 1,322 |
| Net loans and leases to deposits | 84.9742% | 1,428 |
| Net loans and leases to core deposits | 93.7058% | 1,409 |
| Total domestic deposits to total assets | 85.8500% | 2,636 |
| Equity capital to assets | 8.3614% | 2,997 |
| Core capital (leverage) ratio | 10.3654% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0803% | 1,953 |
| Memoranda: | ||
| Average total assets | $225,910,500 | 2,865 |
| Average earning assets | $219,766,500 | 2,800 |
| Average equity | $18,817,500 | 2,992 |
| Average total loans | $165,312,500 | 2,585 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 1,721 |
| Cost of funding earning assets | 0.1898% | 3,836 |
| Net interest margin | 3.8094% | 1,143 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.9795% | 3,638 |
| Loan and lease loss provision to assets | -0.4900% | 4,693 |
| Net operating income to assets | 2.3918% | 165 |
| Return on assets (ROA) | 2.3918% | 159 |
| Pretax return on assets | 2.3918% | 236 |
| Return on Equity (ROE) | 21.5700% | 361 |
| Retained earnings to average equity (ytd only) | -29.3695% | 4,709 |
| Net charge-offs to loans | 0.0013% | 2,522 |
| Credit loss provision to net charge-offs | -56,250.0000% | 4,721 |
| Earnings coverage of net charge-offs (x) | 2,184.5000% | 77 |
| Efficiency ratio | 50.9982% | 4,065 |
| Assets per employee ($millions) | 8.7129% | 1,012 |
| Cash dividends to net income (ytd only)* | 236.1667% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 1,053 |
| Loan loss allowance to noncurrent loans | 141.8566% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 597 |
| Noncurrent loans to loans | 1.0981% | 656 |
| Net loans and leases to total assets | 71.1900% | 1,501 |
| Net loans and leases to deposits | 81.6776% | 1,642 |
| Net loans and leases to core deposits | 89.0102% | 1,551 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 8.2980% | 2,857 |
| Core capital (leverage) ratio | 10.6863% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8119% | 1,688 |
| Memoranda: | ||
| Average total assets | $229,703,000 | 2,846 |
| Average earning assets | $223,893,600 | 2,780 |
| Average equity | $25,472,000 | 2,560 |
| Average total loans | $158,690,800 | 2,550 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 2,152 |
| Cost of funding earning assets | 0.1298% | 4,037 |
| Net interest margin | 3.5346% | 1,562 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.9563% | 3,607 |
| Loan and lease loss provision to assets | -0.5300% | 4,733 |
| Net operating income to assets | 2.1981% | 213 |
| Return on assets (ROA) | 2.1981% | 210 |
| Pretax return on assets | 2.1981% | 321 |
| Return on Equity (ROE) | 18.6700% | 559 |
| Retained earnings to average equity (ytd only) | -43.1079% | 4,751 |
| Net charge-offs to loans | 0.0025% | 2,168 |
| Credit loss provision to net charge-offs | -30,833.3333% | 4,761 |
| Earnings coverage of net charge-offs (x) | 958.3333% | 160 |
| Efficiency ratio | 54.0515% | 3,818 |
| Assets per employee ($millions) | 8.9438% | 910 |
| Cash dividends to net income (ytd only)* | 330.9211% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 851 |
| Loan loss allowance to noncurrent loans | 87.2185% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 253 |
| Noncurrent loans to loans | 1.9645% | 308 |
| Net loans and leases to total assets | 70.5500% | 1,434 |
| Net loans and leases to deposits | 81.5531% | 1,477 |
| Net loans and leases to core deposits | 89.0392% | 1,359 |
| Total domestic deposits to total assets | 86.5100% | 2,921 |
| Equity capital to assets | 7.6057% | 3,152 |
| Core capital (leverage) ratio | 10.1107% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2431% | 1,962 |
| Memoranda: | ||
| Average total assets | $230,494,750 | 2,856 |
| Average earning assets | $224,968,500 | 2,793 |
| Average equity | $27,140,500 | 2,504 |
| Average total loans | $157,407,000 | 2,564 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 1,933 |
| Cost of funding earning assets | 0.1230% | 3,929 |
| Net interest margin | 3.4467% | 1,469 |
| Noninterest income to average assets | 0.1675% | 4,175 |
| Noninterest expense to average assets | 1.9348% | 3,617 |
| Loan and lease loss provision to assets | -0.7947% | 4,760 |
| Net operating income to assets | 2.3987% | 124 |
| Return on assets (ROA) | 2.3987% | 123 |
| Pretax return on assets | 2.3987% | 189 |
| Return on Equity (ROE) | 18.2970% | 437 |
| Retained earnings to average equity (ytd only) | 15.0465% | 258 |
| Net charge-offs to loans | 0.0026% | 2,000 |
| Credit loss provision to net charge-offs | -46,250.0000% | 3,913 |
| Earnings coverage of net charge-offs (x) | 933.5000% | 140 |
| Efficiency ratio | 54.6735% | 3,897 |
| Assets per employee ($millions) | 9.1249% | 847 |
| Cash dividends to net income (ytd only)* | 17.7650% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 888 |
| Loan loss allowance to noncurrent loans | 64.5926% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 167 |
| Noncurrent loans to loans | 2.6968% | 203 |
| Net loans and leases to total assets | 68.0238% | 1,476 |
| Net loans and leases to deposits | 78.9634% | 1,473 |
| Net loans and leases to core deposits | 86.4636% | 1,304 |
| Total domestic deposits to total assets | 86.1461% | 3,210 |
| Equity capital to assets | 13.1526% | 640 |
| Core capital (leverage) ratio | 14.7386% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6966% | 644 |
| Memoranda: | ||
| Average total assets | $232,794,333 | 2,872 |
| Average earning assets | $227,698,667 | 2,812 |
| Average equity | $30,518,667 | 2,392 |
| Average total loans | $156,376,333 | 2,584 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0501% | 3,108 |
| Cost of funding earning assets | 0.1216% | 3,882 |
| Net interest margin | 2.9285% | 2,737 |
| Noninterest income to average assets | 0.1599% | 4,195 |
| Noninterest expense to average assets | 1.8730% | 3,746 |
| Loan and lease loss provision to assets | 0.0425% | 1,593 |
| Net operating income to assets | 1.1126% | 1,498 |
| Return on assets (ROA) | 1.1126% | 1,487 |
| Pretax return on assets | 1.1126% | 2,100 |
| Return on Equity (ROE) | 8.5001% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.5001% | 1,424 |
| Net charge-offs to loans | 0.0026% | 1,711 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 679.0000% | 142 |
| Efficiency ratio | 61.8539% | 3,279 |
| Assets per employee ($millions) | 8.8856% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3640% | 334 |
| Loan loss allowance to noncurrent loans | 72.6595% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.1237% | 129 |
| Noncurrent loans to loans | 3.2535% | 147 |
| Net loans and leases to total assets | 63.7316% | 1,653 |
| Net loans and leases to deposits | 73.4572% | 1,658 |
| Net loans and leases to core deposits | 79.1767% | 1,541 |
| Total domestic deposits to total assets | 86.7601% | 3,012 |
| Equity capital to assets | 12.4792% | 814 |
| Core capital (leverage) ratio | 13.7023% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6629% | 803 |
| Memoranda: | ||
| Average total assets | $235,130,000 | 2,871 |
| Average earning assets | $230,287,000 | 2,802 |
| Average equity | $30,776,000 | 2,442 |
| Average total loans | $155,600,000 | 2,588 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 2,185 |
| Cost of funding earning assets | 0.2012% | 3,452 |
| Net interest margin | 3.4742% | 1,811 |
| Noninterest income to average assets | 0.2843% | 3,693 |
| Noninterest expense to average assets | 2.0001% | 3,674 |
| Loan and lease loss provision to assets | 0.2605% | 342 |
| Net operating income to assets | 1.4078% | 1,252 |
| Return on assets (ROA) | 1.4370% | 1,241 |
| Pretax return on assets | 1.4379% | 1,924 |
| Return on Equity (ROE) | 10.3020% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.6741% | 1,666 |
| Net charge-offs to loans | 0.8792% | 72 |
| Credit loss provision to net charge-offs | 41.7889% | 2,188 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 2,578 |
| Efficiency ratio | 54.5092% | 3,874 |
| Assets per employee ($millions) | 9.2140% | 861 |
| Cash dividends to net income (ytd only)* | 25.5089% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 335 |
| Loan loss allowance to noncurrent loans | 71.9906% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.2179% | 131 |
| Noncurrent loans to loans | 3.3047% | 160 |
| Net loans and leases to total assets | 65.5184% | 1,528 |
| Net loans and leases to deposits | 76.6357% | 1,518 |
| Net loans and leases to core deposits | 82.9706% | 1,385 |
| Total domestic deposits to total assets | 85.4933% | 3,095 |
| Equity capital to assets | 13.7240% | 720 |
| Core capital (leverage) ratio | 14.3247% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3830% | 840 |
| Memoranda: | ||
| Average total assets | $218,786,800 | 2,914 |
| Average earning assets | $213,171,000 | 2,847 |
| Average equity | $30,518,400 | 2,500 |
| Average total loans | $155,135,800 | 2,585 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 1,993 |
| Cost of funding earning assets | 0.2279% | 3,346 |
| Net interest margin | 3.5836% | 1,640 |
| Noninterest income to average assets | 0.2402% | 3,961 |
| Noninterest expense to average assets | 2.0553% | 3,503 |
| Loan and lease loss provision to assets | 0.3150% | 244 |
| Net operating income to assets | 1.3549% | 1,672 |
| Return on assets (ROA) | 1.3549% | 1,729 |
| Pretax return on assets | 1.3562% | 2,475 |
| Return on Equity (ROE) | 9.6720% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.2826% | 2,314 |
| Net charge-offs to loans | 1.1687% | 53 |
| Credit loss provision to net charge-offs | 37.4724% | 1,929 |
| Earnings coverage of net charge-offs (x) | 1.9882% | 2,362 |
| Efficiency ratio | 55.1541% | 3,636 |
| Assets per employee ($millions) | 7.9872% | 1,275 |
| Cash dividends to net income (ytd only)* | 24.7037% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4635% | 304 |
| Loan loss allowance to noncurrent loans | 58.7825% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.8564% | 93 |
| Noncurrent loans to loans | 4.1909% | 116 |
| Net loans and leases to total assets | 66.4779% | 1,489 |
| Net loans and leases to deposits | 78.7060% | 1,413 |
| Net loans and leases to core deposits | 85.7865% | 1,309 |
| Total domestic deposits to total assets | 84.4636% | 3,316 |
| Equity capital to assets | 14.5557% | 631 |
| Core capital (leverage) ratio | 14.6573% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3277% | 770 |
| Memoranda: | ||
| Average total assets | $215,896,250 | 2,971 |
| Average earning assets | $210,027,500 | 2,901 |
| Average equity | $30,244,750 | 2,547 |
| Average total loans | $155,270,000 | 2,622 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 2,734 |
| Cost of funding earning assets | 0.2769% | 3,021 |
| Net interest margin | 3.2873% | 2,484 |
| Noninterest income to average assets | 0.1852% | 4,273 |
| Noninterest expense to average assets | 2.0789% | 3,456 |
| Loan and lease loss provision to assets | 0.3148% | 263 |
| Net operating income to assets | 0.9899% | 2,924 |
| Return on assets (ROA) | 0.9899% | 3,012 |
| Pretax return on assets | 0.9908% | 3,461 |
| Return on Equity (ROE) | 7.1594% | 3,617 |
| Retained earnings to average equity (ytd only) | 3.5295% | 3,675 |
| Net charge-offs to loans | 1.7224% | 36 |
| Credit loss provision to net charge-offs | 24.9816% | 1,717 |
| Earnings coverage of net charge-offs (x) | 1.0360% | 2,176 |
| Efficiency ratio | 61.4227% | 2,809 |
| Assets per employee ($millions) | 8.0056% | 1,209 |
| Cash dividends to net income (ytd only)* | 50.7016% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 400 |
| Loan loss allowance to noncurrent loans | 34.3486% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 4.6481% | 43 |
| Noncurrent loans to loans | 6.5579% | 49 |
| Net loans and leases to total assets | 69.2818% | 1,289 |
| Net loans and leases to deposits | 81.6730% | 1,261 |
| Net loans and leases to core deposits | 88.9656% | 1,210 |
| Total domestic deposits to total assets | 84.8283% | 3,171 |
| Equity capital to assets | 13.9346% | 728 |
| Core capital (leverage) ratio | 14.0416% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7609% | 999 |
| Memoranda: | ||
| Average total assets | $215,976,667 | 2,967 |
| Average earning assets | $210,202,000 | 2,904 |
| Average equity | $29,863,000 | 2,566 |
| Average total loans | $158,032,000 | 2,613 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 2,640 |
| Cost of funding earning assets | 0.3275% | 2,732 |
| Net interest margin | 3.2714% | 2,479 |
| Noninterest income to average assets | 0.1871% | 4,259 |
| Noninterest expense to average assets | 2.0844% | 3,474 |
| Loan and lease loss provision to assets | 0.2131% | 551 |
| Net operating income to assets | 1.0709% | 2,572 |
| Return on assets (ROA) | 1.0709% | 2,652 |
| Pretax return on assets | 1.0728% | 3,184 |
| Return on Equity (ROE) | 7.7755% | 3,396 |
| Retained earnings to average equity (ytd only) | 2.4214% | 3,927 |
| Net charge-offs to loans | 0.0075% | 1,633 |
| Credit loss provision to net charge-offs | 3,833.3333% | 148 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 361 |
| Efficiency ratio | 61.8472% | 2,784 |
| Assets per employee ($millions) | 7.5082% | 1,449 |
| Cash dividends to net income (ytd only)* | 68.8581% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8317% | 175 |
| Loan loss allowance to noncurrent loans | 55.4159% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 3.7991% | 66 |
| Noncurrent loans to loans | 5.1099% | 77 |
| Net loans and leases to total assets | 72.2427% | 984 |
| Net loans and leases to deposits | 84.9576% | 1,052 |
| Net loans and leases to core deposits | 93.3691% | 1,019 |
| Total domestic deposits to total assets | 85.0338% | 3,078 |
| Equity capital to assets | 13.5737% | 775 |
| Core capital (leverage) ratio | 14.0430% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0423% | 1,066 |
| Memoranda: | ||
| Average total assets | $215,889,000 | 2,960 |
| Average earning assets | $210,064,500 | 2,893 |
| Average equity | $29,734,500 | 2,565 |
| Average total loans | $160,445,500 | 2,599 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,223 |
| Cost of funding earning assets | 0.4958% | 2,977 |
| Net interest margin | 4.0414% | 891 |
| Noninterest income to average assets | 0.2284% | 4,132 |
| Noninterest expense to average assets | 2.2551% | 3,524 |
| Loan and lease loss provision to assets | 0.2900% | 1,308 |
| Net operating income to assets | 1.5774% | 672 |
| Return on assets (ROA) | 1.5774% | 731 |
| Pretax return on assets | 1.5784% | 1,118 |
| Return on Equity (ROE) | 10.2272% | 1,920 |
| Retained earnings to average equity (ytd only) | 5.4205% | 2,084 |
| Net charge-offs to loans | 0.2642% | 654 |
| Credit loss provision to net charge-offs | 132.7982% | 2,532 |
| Earnings coverage of net charge-offs (x) | 8.5550% | 2,593 |
| Efficiency ratio | 54.6890% | 4,133 |
| Assets per employee ($millions) | 7.4435% | 1,317 |
| Cash dividends to net income (ytd only)* | 46.9990% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 1,113 |
| Loan loss allowance to noncurrent loans | 54.0342% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.2737% | 224 |
| Noncurrent loans to loans | 3.0866% | 271 |
| Net loans and leases to total assets | 72.4336% | 1,234 |
| Net loans and leases to deposits | 86.5394% | 1,212 |
| Net loans and leases to core deposits | 98.7445% | 972 |
| Total domestic deposits to total assets | 83.7002% | 3,204 |
| Equity capital to assets | 14.7011% | 629 |
| Core capital (leverage) ratio | 15.2400% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6341% | 957 |
| Memoranda: | ||
| Average total assets | $199,636,800 | 2,946 |
| Average earning assets | $192,407,400 | 2,888 |
| Average equity | $30,790,400 | 2,443 |
| Average total loans | $165,040,200 | 2,525 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 1,255 |
| Cost of funding earning assets | 0.5375% | 3,007 |
| Net interest margin | 4.0814% | 930 |
| Noninterest income to average assets | 0.1991% | 4,283 |
| Noninterest expense to average assets | 2.3308% | 3,336 |
| Loan and lease loss provision to assets | 0.2265% | 1,793 |
| Net operating income to assets | 1.5591% | 796 |
| Return on assets (ROA) | 1.5591% | 874 |
| Pretax return on assets | 1.5604% | 1,301 |
| Return on Equity (ROE) | 9.9797% | 2,025 |
| Retained earnings to average equity (ytd only) | 4.2633% | 2,918 |
| Net charge-offs to loans | 0.3226% | 489 |
| Credit loss provision to net charge-offs | 82.3821% | 2,744 |
| Earnings coverage of net charge-offs (x) | 6.5037% | 2,645 |
| Efficiency ratio | 56.6060% | 3,844 |
| Assets per employee ($millions) | 7.0320% | 1,478 |
| Cash dividends to net income (ytd only)* | 57.2803% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,572 |
| Loan loss allowance to noncurrent loans | 59.5604% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 279 |
| Noncurrent loans to loans | 2.4171% | 445 |
| Net loans and leases to total assets | 81.8803% | 444 |
| Net loans and leases to deposits | 98.9863% | 576 |
| Net loans and leases to core deposits | 114.0469% | 554 |
| Total domestic deposits to total assets | 82.7188% | 3,215 |
| Equity capital to assets | 15.2648% | 576 |
| Core capital (leverage) ratio | 15.2888% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5649% | 1,120 |
| Memoranda: | ||
| Average total assets | $195,580,750 | 2,959 |
| Average earning assets | $187,772,250 | 2,911 |
| Average equity | $30,554,500 | 2,445 |
| Average total loans | $166,548,250 | 2,518 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,239 |
| Cost of funding earning assets | 0.5826% | 3,065 |
| Net interest margin | 4.1886% | 950 |
| Noninterest income to average assets | 0.2002% | 4,271 |
| Noninterest expense to average assets | 2.4160% | 3,212 |
| Loan and lease loss provision to assets | 0.2334% | 1,805 |
| Net operating income to assets | 1.5695% | 807 |
| Return on assets (ROA) | 1.5695% | 877 |
| Pretax return on assets | 1.5706% | 1,292 |
| Return on Equity (ROE) | 9.9661% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.1617% | 3,319 |
| Net charge-offs to loans | 0.0085% | 2,645 |
| Credit loss provision to net charge-offs | 3,214.2857% | 343 |
| Earnings coverage of net charge-offs (x) | 248.4286% | 374 |
| Efficiency ratio | 57.2517% | 3,778 |
| Assets per employee ($millions) | 6.4245% | 1,846 |
| Cash dividends to net income (ytd only)* | 68.2750% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,068 |
| Loan loss allowance to noncurrent loans | 59.9209% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.7250% | 193 |
| Noncurrent loans to loans | 2.6271% | 428 |
| Net loans and leases to total assets | 85.6120% | 153 |
| Net loans and leases to deposits | 103.2800% | 402 |
| Net loans and leases to core deposits | 120.1917% | 421 |
| Total domestic deposits to total assets | 82.8931% | 3,114 |
| Equity capital to assets | 15.4058% | 553 |
| Core capital (leverage) ratio | 15.4349% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1858% | 1,210 |
| Memoranda: | ||
| Average total assets | $192,798,667 | 2,963 |
| Average earning assets | $185,025,000 | 2,912 |
| Average equity | $30,363,000 | 2,445 |
| Average total loans | $165,592,667 | 2,511 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 893 |
| Cost of funding earning assets | 0.6507% | 3,168 |
| Net interest margin | 4.3875% | 642 |
| Noninterest income to average assets | 0.2109% | 4,286 |
| Noninterest expense to average assets | 2.5230% | 3,202 |
| Loan and lease loss provision to assets | 0.2953% | 1,047 |
| Net operating income to assets | 1.5863% | 641 |
| Return on assets (ROA) | 1.5863% | 708 |
| Pretax return on assets | 1.5885% | 1,087 |
| Return on Equity (ROE) | 9.9591% | 1,757 |
| Retained earnings to average equity (ytd only) | 2.0660% | 3,427 |
| Net charge-offs to loans | 0.0742% | 1,283 |
| Credit loss provision to net charge-offs | 466.6667% | 919 |
| Earnings coverage of net charge-offs (x) | 29.7667% | 1,186 |
| Efficiency ratio | 57.2523% | 4,087 |
| Assets per employee ($millions) | 6.1392% | 1,571 |
| Cash dividends to net income (ytd only)* | 79.2553% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 969 |
| Loan loss allowance to noncurrent loans | 58.9334% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 3.0613% | 190 |
| Noncurrent loans to loans | 2.7890% | 406 |
| Net loans and leases to total assets | 82.3476% | 408 |
| Net loans and leases to deposits | 99.7911% | 570 |
| Net loans and leases to core deposits | 117.0681% | 553 |
| Total domestic deposits to total assets | 82.5199% | 3,257 |
| Equity capital to assets | 15.9321% | 596 |
| Core capital (leverage) ratio | 16.0077% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4825% | 1,238 |
| Memoranda: | ||
| Average total assets | $189,618,500 | 2,960 |
| Average earning assets | $181,331,500 | 2,910 |
| Average equity | $30,203,500 | 2,440 |
| Average total loans | $161,773,500 | 2,525 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4085% | 657 |
| Cost of funding earning assets | 0.5747% | 3,744 |
| Net interest margin | 4.8338% | 377 |
| Noninterest income to average assets | 0.1189% | 4,863 |
| Noninterest expense to average assets | 2.5072% | 3,433 |
| Loan and lease loss provision to assets | 0.2654% | 681 |
| Net operating income to assets | 1.9404% | 399 |
| Return on assets (ROA) | 1.9404% | 415 |
| Pretax return on assets | 1.9415% | 675 |
| Return on Equity (ROE) | 11.9369% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.4565% | 2,186 |
| Net charge-offs to loans | 0.0019% | 3,640 |
| Credit loss provision to net charge-offs | 16,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,330.3333% | 69 |
| Efficiency ratio | 53.1848% | 4,501 |
| Assets per employee ($millions) | 6.2974% | 1,420 |
| Cash dividends to net income (ytd only)* | 54.2890% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 1,149 |
| Loan loss allowance to noncurrent loans | 78.8994% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 2.4147% | 277 |
| Noncurrent loans to loans | 1.9366% | 674 |
| Net loans and leases to total assets | 85.5904% | 192 |
| Net loans and leases to deposits | 103.7430% | 385 |
| Net loans and leases to core deposits | 121.8446% | 430 |
| Total domestic deposits to total assets | 82.5024% | 3,358 |
| Equity capital to assets | 15.9250% | 622 |
| Core capital (leverage) ratio | 16.5978% | 459 |
| Tier 1 risk-based capital ratio | 16.0906% | 2,372 |
| Total risk-based capital ratio | 17.3420% | 2,318 |
| Memoranda: | ||
| Average total assets | $180,838,800 | 3,015 |
| Average earning assets | $171,915,800 | 2,962 |
| Average equity | $29,396,200 | 2,429 |
| Average total loans | $159,177,200 | 2,520 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 631 |
| Cost of funding earning assets | 0.5538% | 3,906 |
| Net interest margin | 4.9099% | 338 |
| Noninterest income to average assets | 0.0731% | 5,065 |
| Noninterest expense to average assets | 2.4978% | 3,443 |
| Loan and lease loss provision to assets | 0.2774% | 551 |
| Net operating income to assets | 1.9572% | 433 |
| Return on assets (ROA) | 1.9572% | 449 |
| Pretax return on assets | 1.9580% | 754 |
| Return on Equity (ROE) | 11.9763% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,892 |
| Net charge-offs to loans | -0.0008% | 3,992 |
| Credit loss provision to net charge-offs | -37,200.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7725% | 4,530 |
| Assets per employee ($millions) | 6.1318% | 1,509 |
| Cash dividends to net income (ytd only)* | 58.2858% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,220 |
| Loan loss allowance to noncurrent loans | 73.8037% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 3.0272% | 186 |
| Noncurrent loans to loans | 2.0459% | 656 |
| Net loans and leases to total assets | 88.2540% | 83 |
| Net loans and leases to deposits | 108.4562% | 254 |
| Net loans and leases to core deposits | 123.0834% | 437 |
| Total domestic deposits to total assets | 81.3729% | 3,643 |
| Equity capital to assets | 16.6610% | 529 |
| Core capital (leverage) ratio | 16.7699% | 466 |
| Tier 1 risk-based capital ratio | 15.9393% | 2,458 |
| Total risk-based capital ratio | 17.1894% | 2,397 |
| Memoranda: | ||
| Average total assets | $178,817,750 | 3,058 |
| Average earning assets | $169,721,500 | 3,013 |
| Average equity | $29,223,750 | 2,451 |
| Average total loans | $157,919,250 | 2,557 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4525% | 616 |
| Cost of funding earning assets | 0.5276% | 3,997 |
| Net interest margin | 4.9249% | 337 |
| Noninterest income to average assets | 0.2356% | 4,346 |
| Noninterest expense to average assets | 2.5063% | 3,457 |
| Loan and lease loss provision to assets | 0.2947% | 472 |
| Net operating income to assets | 2.0999% | 324 |
| Return on assets (ROA) | 2.0999% | 336 |
| Pretax return on assets | 2.1033% | 547 |
| Return on Equity (ROE) | 12.9326% | 1,267 |
| Retained earnings to average equity (ytd only) | 5.8234% | 2,358 |
| Net charge-offs to loans | 0.0114% | 2,726 |
| Credit loss provision to net charge-offs | 2,933.3333% | 129 |
| Earnings coverage of net charge-offs (x) | 238.6667% | 340 |
| Efficiency ratio | 51.1040% | 4,718 |
| Assets per employee ($millions) | 5.9054% | 1,614 |
| Cash dividends to net income (ytd only)* | 54.9708% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,446 |
| Loan loss allowance to noncurrent loans | 62.0287% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.4053% | 154 |
| Noncurrent loans to loans | 2.3282% | 553 |
| Net loans and leases to total assets | 88.0968% | 111 |
| Net loans and leases to deposits | 108.0238% | 271 |
| Net loans and leases to core deposits | 115.9555% | 687 |
| Total domestic deposits to total assets | 81.5531% | 3,648 |
| Equity capital to assets | 16.5746% | 521 |
| Core capital (leverage) ratio | 16.5020% | 486 |
| Tier 1 risk-based capital ratio | 15.7352% | 2,527 |
| Total risk-based capital ratio | 16.9610% | 2,481 |
| Memoranda: | ||
| Average total assets | $179,149,670 | 3,066 |
| Average earning assets | $169,829,330 | 3,019 |
| Average equity | $29,089,330 | 2,451 |
| Average total loans | $157,445,330 | 2,576 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 651 |
| Cost of funding earning assets | 0.4919% | 4,093 |
| Net interest margin | 4.8957% | 338 |
| Noninterest income to average assets | 0.2220% | 4,411 |
| Noninterest expense to average assets | 2.4447% | 3,642 |
| Loan and lease loss provision to assets | 0.3197% | 389 |
| Net operating income to assets | 2.0939% | 328 |
| Return on assets (ROA) | 2.0939% | 344 |
| Pretax return on assets | 2.0983% | 527 |
| Return on Equity (ROE) | 13.0285% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.0285% | 459 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2740% | 4,804 |
| Assets per employee ($millions) | 6.1839% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,774 |
| Loan loss allowance to noncurrent loans | 53.6225% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 3.5710% | 149 |
| Noncurrent loans to loans | 2.5595% | 504 |
| Net loans and leases to total assets | 87.1970% | 136 |
| Net loans and leases to deposits | 106.5385% | 307 |
| Net loans and leases to core deposits | 114.1917% | 732 |
| Total domestic deposits to total assets | 81.8455% | 3,765 |
| Equity capital to assets | 16.4136% | 512 |
| Core capital (leverage) ratio | 16.6454% | 463 |
| Tier 1 risk-based capital ratio | 16.0573% | 2,415 |
| Total risk-based capital ratio | 17.2437% | 2,389 |
| Memoranda: | ||
| Average total assets | $180,143,000 | 3,088 |
| Average earning assets | $170,763,000 | 3,046 |
| Average equity | $28,952,000 | 2,467 |
| Average total loans | $156,987,000 | 2,609 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 645 |
| Cost of funding earning assets | 0.3571% | 4,236 |
| Net interest margin | 4.8875% | 326 |
| Noninterest income to average assets | 0.3210% | 3,955 |
| Noninterest expense to average assets | 2.5172% | 3,563 |
| Loan and lease loss provision to assets | 0.2493% | 690 |
| Net operating income to assets | 2.1877% | 259 |
| Return on assets (ROA) | 2.1877% | 250 |
| Pretax return on assets | 2.1899% | 365 |
| Return on Equity (ROE) | 13.8033% | 1,096 |
| Retained earnings to average equity (ytd only) | 6.5925% | 1,870 |
| Net charge-offs to loans | 0.0187% | 3,075 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 146.7586% | 574 |
| Efficiency ratio | 50.7863% | 4,887 |
| Assets per employee ($millions) | 6.4626% | 1,237 |
| Cash dividends to net income (ytd only)* | 52.2400% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,003 |
| Loan loss allowance to noncurrent loans | 57.2233% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 3.2589% | 174 |
| Noncurrent loans to loans | 2.2847% | 557 |
| Net loans and leases to total assets | 84.7695% | 339 |
| Net loans and leases to deposits | 103.4029% | 516 |
| Net loans and leases to core deposits | 112.3692% | 862 |
| Total domestic deposits to total assets | 81.9799% | 3,648 |
| Equity capital to assets | 15.7328% | 576 |
| Core capital (leverage) ratio | 16.0846% | 502 |
| Tier 1 risk-based capital ratio | 16.0386% | 2,393 |
| Total risk-based capital ratio | 17.1817% | 2,372 |
| Memoranda: | ||
| Average total assets | $174,479,200 | 3,118 |
| Average earning assets | $165,485,000 | 3,073 |
| Average equity | $27,652,800 | 2,475 |
| Average total loans | $155,443,000 | 2,576 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1841% | 646 |
| Cost of funding earning assets | 0.3097% | 4,455 |
| Net interest margin | 4.8744% | 330 |
| Noninterest income to average assets | 0.3301% | 3,944 |
| Noninterest expense to average assets | 2.5546% | 3,426 |
| Loan and lease loss provision to assets | 0.2314% | 700 |
| Net operating income to assets | 2.1674% | 275 |
| Return on assets (ROA) | 2.1674% | 272 |
| Pretax return on assets | 2.1697% | 418 |
| Return on Equity (ROE) | 13.6493% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.5818% | 2,347 |
| Net charge-offs to loans | 0.0257% | 2,605 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 103.7640% | 727 |
| Efficiency ratio | 51.5486% | 4,848 |
| Assets per employee ($millions) | 6.1017% | 1,417 |
| Cash dividends to net income (ytd only)* | 51.7794% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,535 |
| Loan loss allowance to noncurrent loans | 53.3615% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 3.4540% | 168 |
| Noncurrent loans to loans | 2.2791% | 608 |
| Net loans and leases to total assets | 90.1895% | 66 |
| Net loans and leases to deposits | 111.2751% | 258 |
| Net loans and leases to core deposits | 118.3102% | 634 |
| Total domestic deposits to total assets | 81.0509% | 3,853 |
| Equity capital to assets | 16.3772% | 475 |
| Core capital (leverage) ratio | 16.4814% | 455 |
| Tier 1 risk-based capital ratio | 16.6034% | 2,245 |
| Total risk-based capital ratio | 17.7266% | 2,223 |
| Memoranda: | ||
| Average total assets | $172,860,750 | 3,164 |
| Average earning assets | $164,036,500 | 3,112 |
| Average equity | $27,448,750 | 2,492 |
| Average total loans | $155,447,500 | 2,587 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 689 |
| Cost of funding earning assets | 0.2901% | 4,496 |
| Net interest margin | 4.7902% | 366 |
| Noninterest income to average assets | 0.3273% | 4,003 |
| Noninterest expense to average assets | 2.5390% | 3,515 |
| Loan and lease loss provision to assets | 0.1902% | 917 |
| Net operating income to assets | 2.1448% | 280 |
| Return on assets (ROA) | 2.1448% | 275 |
| Pretax return on assets | 2.1472% | 436 |
| Return on Equity (ROE) | 13.6479% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.1136% | 2,025 |
| Net charge-offs to loans | 0.0064% | 2,910 |
| Credit loss provision to net charge-offs | 3,300.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 405.6000% | 228 |
| Efficiency ratio | 52.0681% | 4,885 |
| Assets per employee ($millions) | 5.8934% | 1,555 |
| Cash dividends to net income (ytd only)* | 47.8775% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,945 |
| Loan loss allowance to noncurrent loans | 44.6054% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 3.7154% | 168 |
| Noncurrent loans to loans | 2.5948% | 486 |
| Net loans and leases to total assets | 89.2439% | 95 |
| Net loans and leases to deposits | 108.7895% | 321 |
| Net loans and leases to core deposits | 114.9241% | 747 |
| Total domestic deposits to total assets | 82.0336% | 3,713 |
| Equity capital to assets | 16.1490% | 481 |
| Core capital (leverage) ratio | 16.2204% | 469 |
| Tier 1 risk-based capital ratio | 16.5847% | 2,232 |
| Total risk-based capital ratio | 17.6557% | 2,238 |
| Memoranda: | ||
| Average total assets | $173,532,000 | 3,173 |
| Average earning assets | $164,795,000 | 3,119 |
| Average equity | $27,271,670 | 2,516 |
| Average total loans | $155,269,000 | 2,603 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 745 |
| Cost of funding earning assets | 0.2756% | 4,540 |
| Net interest margin | 4.6920% | 410 |
| Noninterest income to average assets | 0.3226% | 3,997 |
| Noninterest expense to average assets | 2.4891% | 3,681 |
| Loan and lease loss provision to assets | 0.1716% | 1,023 |
| Net operating income to assets | 2.1024% | 292 |
| Return on assets (ROA) | 2.1024% | 292 |
| Pretax return on assets | 2.1024% | 461 |
| Return on Equity (ROE) | 13.5608% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.5608% | 452 |
| Net charge-offs to loans | 0.0154% | 2,212 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 165.6667% | 390 |
| Efficiency ratio | 52.2574% | 4,940 |
| Assets per employee ($millions) | 5.8276% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,488 |
| Loan loss allowance to noncurrent loans | 41.7837% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 3.6636% | 190 |
| Noncurrent loans to loans | 2.5934% | 509 |
| Net loans and leases to total assets | 88.5534% | 106 |
| Net loans and leases to deposits | 106.6079% | 358 |
| Net loans and leases to core deposits | 112.3719% | 872 |
| Total domestic deposits to total assets | 83.0646% | 3,647 |
| Equity capital to assets | 15.7605% | 525 |
| Core capital (leverage) ratio | 15.9581% | 494 |
| Tier 1 risk-based capital ratio | 16.6515% | 2,226 |
| Total risk-based capital ratio | 17.6745% | 2,248 |
| Memoranda: | ||
| Average total assets | $174,844,000 | 3,194 |
| Average earning assets | $165,472,000 | 3,144 |
| Average equity | $27,107,500 | 2,543 |
| Average total loans | $155,748,000 | 2,617 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 736 |
| Cost of funding earning assets | 0.2394% | 4,654 |
| Net interest margin | 4.6974% | 424 |
| Noninterest income to average assets | 2.0390% | 292 |
| Noninterest expense to average assets | 4.4510% | 329 |
| Loan and lease loss provision to assets | 0.2609% | 702 |
| Net operating income to assets | 1.7503% | 478 |
| Return on assets (ROA) | 1.7503% | 482 |
| Pretax return on assets | 1.7515% | 892 |
| Return on Equity (ROE) | 11.3332% | 1,383 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,130 |
| Net charge-offs to loans | 0.1857% | 1,359 |
| Credit loss provision to net charge-offs | 159.5668% | 1,672 |
| Earnings coverage of net charge-offs (x) | 12.3069% | 2,485 |
| Efficiency ratio | 68.8647% | 2,730 |
| Assets per employee ($millions) | 3.7204% | 4,404 |
| Cash dividends to net income (ytd only)* | 55.9191% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,624 |
| Loan loss allowance to noncurrent loans | 73.2883% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.6112% | 343 |
| Noncurrent loans to loans | 1.4324% | 1,199 |
| Net loans and leases to total assets | 87.7027% | 154 |
| Net loans and leases to deposits | 105.0024% | 448 |
| Net loans and leases to core deposits | 110.4401% | 974 |
| Total domestic deposits to total assets | 83.5244% | 3,379 |
| Equity capital to assets | 15.2471% | 635 |
| Core capital (leverage) ratio | 15.4454% | 547 |
| Tier 1 risk-based capital ratio | 16.1657% | 2,374 |
| Total risk-based capital ratio | 17.1513% | 2,413 |
| Memoranda: | ||
| Average total assets | $169,399,800 | 3,251 |
| Average earning assets | $159,556,000 | 3,205 |
| Average equity | $26,162,000 | 2,597 |
| Average total loans | $149,174,400 | 2,663 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 730 |
| Cost of funding earning assets | 0.2351% | 4,704 |
| Net interest margin | 4.6842% | 419 |
| Noninterest income to average assets | 2.2384% | 260 |
| Noninterest expense to average assets | 4.5037% | 316 |
| Loan and lease loss provision to assets | 0.2420% | 729 |
| Net operating income to assets | 1.9027% | 388 |
| Return on assets (ROA) | 1.9027% | 393 |
| Pretax return on assets | 1.9035% | 683 |
| Return on Equity (ROE) | 12.2795% | 1,247 |
| Retained earnings to average equity (ytd only) | 6.1807% | 2,124 |
| Net charge-offs to loans | 0.2356% | 909 |
| Credit loss provision to net charge-offs | 116.8582% | 2,048 |
| Earnings coverage of net charge-offs (x) | 10.3602% | 2,603 |
| Efficiency ratio | 67.7327% | 2,925 |
| Assets per employee ($millions) | 3.9940% | 4,004 |
| Cash dividends to net income (ytd only)* | 49.6664% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 4,034 |
| Loan loss allowance to noncurrent loans | 380.5556% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 840 |
| Noncurrent loans to loans | 0.2637% | 4,018 |
| Net loans and leases to total assets | 88.6306% | 129 |
| Net loans and leases to deposits | 108.4071% | 327 |
| Net loans and leases to core deposits | 114.7608% | 795 |
| Total domestic deposits to total assets | 81.7572% | 3,849 |
| Equity capital to assets | 15.8506% | 568 |
| Core capital (leverage) ratio | 15.8207% | 518 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,293 |
| Total risk-based capital ratio | 17.5308% | 2,343 |
| Memoranda: | ||
| Average total assets | $168,035,000 | 3,298 |
| Average earning assets | $158,229,500 | 3,252 |
| Average equity | $26,037,250 | 2,627 |
| Average total loans | $147,722,250 | 2,693 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 827 |
| Cost of funding earning assets | 0.2246% | 4,760 |
| Net interest margin | 4.5976% | 478 |
| Noninterest income to average assets | 2.2245% | 270 |
| Noninterest expense to average assets | 4.5001% | 322 |
| Loan and lease loss provision to assets | 0.2736% | 578 |
| Net operating income to assets | 1.7831% | 465 |
| Return on assets (ROA) | 1.7831% | 478 |
| Pretax return on assets | 1.7843% | 875 |
| Return on Equity (ROE) | 11.5962% | 1,428 |
| Retained earnings to average equity (ytd only) | 4.4946% | 3,035 |
| Net charge-offs to loans | 0.3444% | 584 |
| Credit loss provision to net charge-offs | 90.9091% | 2,130 |
| Earnings coverage of net charge-offs (x) | 6.8379% | 2,665 |
| Efficiency ratio | 68.6196% | 2,903 |
| Assets per employee ($millions) | 3.5916% | 4,592 |
| Cash dividends to net income (ytd only)* | 61.2408% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 4,385 |
| Loan loss allowance to noncurrent loans | 342.0428% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 833 |
| Noncurrent loans to loans | 0.2794% | 4,041 |
| Net loans and leases to total assets | 88.4139% | 129 |
| Net loans and leases to deposits | 108.2433% | 311 |
| Net loans and leases to core deposits | 114.5480% | 774 |
| Total domestic deposits to total assets | 81.6807% | 3,980 |
| Equity capital to assets | 15.3899% | 635 |
| Core capital (leverage) ratio | 15.0671% | 616 |
| Tier 1 risk-based capital ratio | 16.0436% | 2,484 |
| Total risk-based capital ratio | 16.9335% | 2,564 |
| Memoranda: | ||
| Average total assets | $168,130,670 | 3,307 |
| Average earning assets | $158,474,000 | 3,265 |
| Average equity | $25,853,330 | 2,643 |
| Average total loans | $146,902,000 | 2,707 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,107 |
| Cost of funding earning assets | 0.2021% | 4,959 |
| Net interest margin | 4.4107% | 625 |
| Noninterest income to average assets | 2.3100% | 260 |
| Noninterest expense to average assets | 4.4722% | 343 |
| Loan and lease loss provision to assets | 0.1788% | 975 |
| Net operating income to assets | 1.8213% | 429 |
| Return on assets (ROA) | 1.8213% | 440 |
| Pretax return on assets | 1.8213% | 754 |
| Return on Equity (ROE) | 11.8493% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.8493% | 488 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0976% | 3,026 |
| Assets per employee ($millions) | 3.5504% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,899 |
| Loan loss allowance to noncurrent loans | 36.2309% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.4796% | 243 |
| Noncurrent loans to loans | 2.9438% | 475 |
| Net loans and leases to total assets | 83.7127% | 400 |
| Net loans and leases to deposits | 100.2283% | 602 |
| Net loans and leases to core deposits | 104.8376% | 1,168 |
| Total domestic deposits to total assets | 83.5220% | 3,648 |
| Equity capital to assets | 15.3561% | 583 |
| Core capital (leverage) ratio | 15.5038% | 524 |
| Tier 1 risk-based capital ratio | 16.6400% | 2,302 |
| Total risk-based capital ratio | 17.6190% | 2,353 |
| Memoranda: | ||
| Average total assets | $167,793,000 | 3,333 |
| Average earning assets | $158,342,500 | 3,292 |
| Average equity | $25,790,500 | 2,663 |
| Average total loans | $145,009,000 | 2,756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,054 |
| Cost of funding earning assets | 0.2240% | 4,796 |
| Net interest margin | 4.4797% | 652 |
| Noninterest income to average assets | 2.2867% | 285 |
| Noninterest expense to average assets | 4.4859% | 385 |
| Loan and lease loss provision to assets | 0.0304% | 3,745 |
| Net operating income to assets | 2.0171% | 305 |
| Return on assets (ROA) | 2.0171% | 319 |
| Pretax return on assets | 2.0184% | 476 |
| Return on Equity (ROE) | 13.4329% | 896 |
| Retained earnings to average equity (ytd only) | 6.7185% | 1,347 |
| Net charge-offs to loans | 0.0949% | 2,345 |
| Credit loss provision to net charge-offs | 37.3134% | 3,519 |
| Earnings coverage of net charge-offs (x) | 25.1866% | 1,597 |
| Efficiency ratio | 68.6484% | 3,141 |
| Assets per employee ($millions) | 3.3707% | 4,942 |
| Cash dividends to net income (ytd only)* | 49.9850% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,300 |
| Loan loss allowance to noncurrent loans | 118.9431% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.7649% | 848 |
| Noncurrent loans to loans | 0.8435% | 2,418 |
| Net loans and leases to total assets | 87.3993% | 154 |
| Net loans and leases to deposits | 104.7250% | 402 |
| Net loans and leases to core deposits | 110.2554% | 885 |
| Total domestic deposits to total assets | 83.4559% | 3,613 |
| Equity capital to assets | 15.3852% | 584 |
| Core capital (leverage) ratio | 15.1322% | 584 |
| Tier 1 risk-based capital ratio | 15.9647% | 2,562 |
| Total risk-based capital ratio | 16.8851% | 2,622 |
| Memoranda: | ||
| Average total assets | $164,738,200 | 3,352 |
| Average earning assets | $156,217,000 | 3,294 |
| Average equity | $24,737,800 | 2,743 |
| Average total loans | $141,253,200 | 2,764 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 1,060 |
| Cost of funding earning assets | 0.2270% | 4,816 |
| Net interest margin | 4.4744% | 667 |
| Noninterest income to average assets | 2.2976% | 292 |
| Noninterest expense to average assets | 4.4284% | 407 |
| Loan and lease loss provision to assets | 0.0405% | 3,427 |
| Net operating income to assets | 2.0741% | 305 |
| Return on assets (ROA) | 2.0741% | 317 |
| Pretax return on assets | 2.0749% | 488 |
| Return on Equity (ROE) | 13.8976% | 845 |
| Retained earnings to average equity (ytd only) | 7.9446% | 1,196 |
| Net charge-offs to loans | 0.0114% | 3,535 |
| Credit loss provision to net charge-offs | 416.6667% | 815 |
| Earnings coverage of net charge-offs (x) | 217.6613% | 352 |
| Efficiency ratio | 67.6733% | 3,286 |
| Assets per employee ($millions) | 3.3839% | 4,929 |
| Cash dividends to net income (ytd only)* | 42.8348% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,717 |
| Loan loss allowance to noncurrent loans | 62.6830% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.5558% | 1,132 |
| Noncurrent loans to loans | 1.7909% | 1,156 |
| Net loans and leases to total assets | 85.8951% | 260 |
| Net loans and leases to deposits | 102.9061% | 511 |
| Net loans and leases to core deposits | 108.7691% | 1,002 |
| Total domestic deposits to total assets | 83.4694% | 3,407 |
| Equity capital to assets | 15.5659% | 620 |
| Core capital (leverage) ratio | 15.3128% | 578 |
| Tier 1 risk-based capital ratio | 16.2580% | 2,520 |
| Total risk-based capital ratio | 17.2807% | 2,557 |
| Memoranda: | ||
| Average total assets | $164,631,500 | 3,366 |
| Average earning assets | $156,234,500 | 3,307 |
| Average equity | $24,569,500 | 2,777 |
| Average total loans | $140,112,500 | 2,783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6628% | 1,138 |
| Cost of funding earning assets | 0.2304% | 4,848 |
| Net interest margin | 4.4324% | 711 |
| Noninterest income to average assets | 2.2834% | 288 |
| Noninterest expense to average assets | 4.5390% | 374 |
| Loan and lease loss provision to assets | 0.0605% | 2,930 |
| Net operating income to assets | 1.8940% | 402 |
| Return on assets (ROA) | 1.8940% | 420 |
| Pretax return on assets | 1.8952% | 705 |
| Return on Equity (ROE) | 12.8721% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.2909% | 1,476 |
| Net charge-offs to loans | 0.0215% | 3,065 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 107.8000% | 531 |
| Efficiency ratio | 69.8883% | 2,997 |
| Assets per employee ($millions) | 3.2891% | 5,081 |
| Cash dividends to net income (ytd only)* | 43.3589% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,839 |
| Loan loss allowance to noncurrent loans | 51.8361% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 888 |
| Noncurrent loans to loans | 2.1610% | 885 |
| Net loans and leases to total assets | 86.5919% | 209 |
| Net loans and leases to deposits | 103.6743% | 472 |
| Net loans and leases to core deposits | 109.0248% | 980 |
| Total domestic deposits to total assets | 83.5230% | 3,456 |
| Equity capital to assets | 15.3403% | 657 |
| Core capital (leverage) ratio | 14.5165% | 707 |
| Tier 1 risk-based capital ratio | 15.8593% | 2,709 |
| Total risk-based capital ratio | 16.8783% | 2,746 |
| Memoranda: | ||
| Average total assets | $165,366,670 | 3,372 |
| Average earning assets | $157,114,670 | 3,310 |
| Average equity | $24,331,670 | 2,803 |
| Average total loans | $139,783,330 | 2,793 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 1,155 |
| Cost of funding earning assets | 0.2328% | 4,875 |
| Net interest margin | 4.4103% | 722 |
| Noninterest income to average assets | 2.2715% | 290 |
| Noninterest expense to average assets | 4.5860% | 367 |
| Loan and lease loss provision to assets | 0.1194% | 1,765 |
| Net operating income to assets | 1.7293% | 534 |
| Return on assets (ROA) | 1.7293% | 570 |
| Pretax return on assets | 1.7293% | 992 |
| Return on Equity (ROE) | 11.9987% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.9987% | 508 |
| Net charge-offs to loans | 0.0345% | 2,279 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 739 |
| Efficiency ratio | 71.2695% | 2,909 |
| Assets per employee ($millions) | 3.4682% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,874 |
| Loan loss allowance to noncurrent loans | 51.7805% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 996 |
| Noncurrent loans to loans | 2.1874% | 941 |
| Net loans and leases to total assets | 83.1095% | 446 |
| Net loans and leases to deposits | 104.1862% | 402 |
| Net loans and leases to core deposits | 110.9967% | 807 |
| Total domestic deposits to total assets | 79.7702% | 4,799 |
| Equity capital to assets | 14.7364% | 764 |
| Core capital (leverage) ratio | 14.4129% | 712 |
| Tier 1 risk-based capital ratio | 15.6898% | 2,826 |
| Total risk-based capital ratio | 16.7072% | 2,875 |
| Memoranda: | ||
| Average total assets | $167,468,000 | 3,365 |
| Average earning assets | $158,085,000 | 3,307 |
| Average equity | $24,136,000 | 2,820 |
| Average total loans | $139,107,000 | 2,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,806 |
| Cost of funding earning assets | 0.2251% | 5,045 |
| Net interest margin | 4.2030% | 1,166 |
| Noninterest income to average assets | 2.1864% | 312 |
| Noninterest expense to average assets | 4.2720% | 509 |
| Loan and lease loss provision to assets | 0.4504% | 271 |
| Net operating income to assets | 1.4276% | 991 |
| Return on assets (ROA) | 1.4276% | 1,023 |
| Pretax return on assets | 1.4288% | 1,793 |
| Return on Equity (ROE) | 10.2056% | 1,927 |
| Retained earnings to average equity (ytd only) | 3.8852% | 3,272 |
| Net charge-offs to loans | 0.3612% | 812 |
| Credit loss provision to net charge-offs | 154.7131% | 1,725 |
| Earnings coverage of net charge-offs (x) | 6.4549% | 3,225 |
| Efficiency ratio | 69.4501% | 3,314 |
| Assets per employee ($millions) | 3.5843% | 4,667 |
| Cash dividends to net income (ytd only)* | 61.9306% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,950 |
| Loan loss allowance to noncurrent loans | 33.7186% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.7216% | 533 |
| Noncurrent loans to loans | 3.3159% | 447 |
| Net loans and leases to total assets | 81.1621% | 684 |
| Net loans and leases to deposits | 96.4102% | 971 |
| Net loans and leases to core deposits | 101.2680% | 1,421 |
| Total domestic deposits to total assets | 84.1842% | 3,408 |
| Equity capital to assets | 14.0920% | 901 |
| Core capital (leverage) ratio | 14.0026% | 817 |
| Tier 1 risk-based capital ratio | 15.5820% | 2,892 |
| Total risk-based capital ratio | 16.5977% | 2,957 |
| Memoranda: | ||
| Average total assets | $167,626,800 | 3,342 |
| Average earning assets | $158,125,400 | 3,277 |
| Average equity | $23,448,000 | 2,841 |
| Average total loans | $135,117,400 | 2,799 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,837 |
| Cost of funding earning assets | 0.2246% | 5,139 |
| Net interest margin | 4.1987% | 1,168 |
| Noninterest income to average assets | 2.2012% | 313 |
| Noninterest expense to average assets | 4.2288% | 529 |
| Loan and lease loss provision to assets | 0.4420% | 252 |
| Net operating income to assets | 1.4893% | 936 |
| Return on assets (ROA) | 1.4893% | 970 |
| Pretax return on assets | 1.4908% | 1,707 |
| Return on Equity (ROE) | 10.6664% | 1,838 |
| Retained earnings to average equity (ytd only) | 4.0555% | 3,573 |
| Net charge-offs to loans | 0.4844% | 503 |
| Credit loss provision to net charge-offs | 113.7295% | 2,070 |
| Earnings coverage of net charge-offs (x) | 4.9734% | 3,269 |
| Efficiency ratio | 68.6313% | 3,430 |
| Assets per employee ($millions) | 3.4566% | 4,879 |
| Cash dividends to net income (ytd only)* | 61.9784% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 4,686 |
| Loan loss allowance to noncurrent loans | 50.6205% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 1,347 |
| Noncurrent loans to loans | 1.9979% | 1,161 |
| Net loans and leases to total assets | 81.0918% | 691 |
| Net loans and leases to deposits | 98.0216% | 814 |
| Net loans and leases to core deposits | 102.9227% | 1,304 |
| Total domestic deposits to total assets | 82.7286% | 3,908 |
| Equity capital to assets | 14.5600% | 844 |
| Core capital (leverage) ratio | 13.9626% | 877 |
| Tier 1 risk-based capital ratio | 15.9981% | 2,795 |
| Total risk-based capital ratio | 16.9137% | 2,901 |
| Memoranda: | ||
| Average total assets | $167,417,500 | 3,375 |
| Average earning assets | $157,917,500 | 3,315 |
| Average equity | $23,375,000 | 2,868 |
| Average total loans | $134,328,000 | 2,829 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,070 |
| Cost of funding earning assets | 0.2216% | 5,239 |
| Net interest margin | 4.1128% | 1,323 |
| Noninterest income to average assets | 2.1624% | 331 |
| Noninterest expense to average assets | 4.0705% | 623 |
| Loan and lease loss provision to assets | 0.3016% | 510 |
| Net operating income to assets | 1.6537% | 680 |
| Return on assets (ROA) | 1.6537% | 707 |
| Pretax return on assets | 1.6549% | 1,184 |
| Return on Equity (ROE) | 12.0093% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.8106% | 2,980 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5368% | 3,741 |
| Assets per employee ($millions) | 3.5192% | 4,750 |
| Cash dividends to net income (ytd only)* | 59.9428% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,200 |
| Loan loss allowance to noncurrent loans | 48.0113% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8902% | 1,203 |
| Noncurrent loans to loans | 2.3432% | 999 |
| Net loans and leases to total assets | 79.7598% | 834 |
| Net loans and leases to deposits | 102.2945% | 536 |
| Net loans and leases to core deposits | 107.5585% | 987 |
| Total domestic deposits to total assets | 77.9708% | 5,289 |
| Equity capital to assets | 13.8396% | 1,035 |
| Core capital (leverage) ratio | 14.0107% | 834 |
| Tier 1 risk-based capital ratio | 15.5284% | 3,088 |
| Total risk-based capital ratio | 16.5472% | 3,140 |
| Memoranda: | ||
| Average total assets | $169,070,330 | 3,366 |
| Average earning assets | $158,868,000 | 3,310 |
| Average equity | $23,282,000 | 2,891 |
| Average total loans | $134,741,670 | 2,835 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,087 |
| Cost of funding earning assets | 0.2140% | 5,374 |
| Net interest margin | 4.0905% | 1,303 |
| Noninterest income to average assets | 2.0881% | 348 |
| Noninterest expense to average assets | 4.0131% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9155% | 395 |
| Return on assets (ROA) | 1.9155% | 420 |
| Pretax return on assets | 1.9179% | 692 |
| Return on Equity (ROE) | 13.9451% | 891 |
| Retained earnings to average equity (ytd only) | 12.2579% | 540 |
| Net charge-offs to loans | 0.0030% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 811.0000% | 53 |
| Efficiency ratio | 67.6635% | 3,881 |
| Assets per employee ($millions) | 3.4216% | 5,043 |
| Cash dividends to net income (ytd only)* | 12.0988% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 5,187 |
| Loan loss allowance to noncurrent loans | 342.6273% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 5,028 |
| Noncurrent loans to loans | 0.2821% | 4,764 |
| Net loans and leases to total assets | 79.7262% | 715 |
| Net loans and leases to deposits | 97.5439% | 716 |
| Net loans and leases to core deposits | 102.5139% | 1,144 |
| Total domestic deposits to total assets | 81.7337% | 4,593 |
| Equity capital to assets | 14.4322% | 849 |
| Core capital (leverage) ratio | 14.0352% | 812 |
| Tier 1 risk-based capital ratio | 16.3677% | 2,747 |
| Total risk-based capital ratio | 17.2572% | 2,849 |
| Memoranda: | ||
| Average total assets | $169,145,000 | 3,379 |
| Average earning assets | $158,903,500 | 3,340 |
| Average equity | $23,234,000 | 2,911 |
| Average total loans | $133,980,500 | 2,850 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,958 |
| Cost of funding earning assets | 0.2334% | 5,485 |
| Net interest margin | 4.2461% | 1,175 |
| Noninterest income to average assets | 2.0498% | 326 |
| Noninterest expense to average assets | 3.9601% | 790 |
| Loan and lease loss provision to assets | 0.0721% | 3,041 |
| Net operating income to assets | 1.9969% | 330 |
| Return on assets (ROA) | 1.9969% | 341 |
| Pretax return on assets | 1.9975% | 517 |
| Return on Equity (ROE) | 15.2513% | 738 |
| Retained earnings to average equity (ytd only) | 8.6953% | 774 |
| Net charge-offs to loans | 0.0071% | 4,783 |
| Credit loss provision to net charge-offs | 1,333.3333% | 214 |
| Earnings coverage of net charge-offs (x) | 382.5556% | 142 |
| Efficiency ratio | 65.6764% | 4,307 |
| Assets per employee ($millions) | 3.7033% | 4,520 |
| Cash dividends to net income (ytd only)* | 42.9862% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 5,328 |
| Loan loss allowance to noncurrent loans | 338.0952% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,155 |
| Noncurrent loans to loans | 0.2785% | 4,854 |
| Net loans and leases to total assets | 77.2552% | 1,100 |
| Net loans and leases to deposits | 95.2147% | 967 |
| Net loans and leases to core deposits | 99.7618% | 1,407 |
| Total domestic deposits to total assets | 81.1379% | 4,701 |
| Equity capital to assets | 13.0793% | 1,330 |
| Core capital (leverage) ratio | 13.4617% | 982 |
| Tier 1 risk-based capital ratio | 15.1895% | 3,383 |
| Total risk-based capital ratio | 16.0406% | 3,540 |
| Memoranda: | ||
| Average total assets | $166,360,000 | 3,389 |
| Average earning assets | $155,932,200 | 3,342 |
| Average equity | $21,781,800 | 2,976 |
| Average total loans | $127,559,200 | 2,908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 2,020 |
| Cost of funding earning assets | 0.2346% | 5,558 |
| Net interest margin | 4.2236% | 1,214 |
| Noninterest income to average assets | 2.0628% | 329 |
| Noninterest expense to average assets | 3.9633% | 784 |
| Loan and lease loss provision to assets | 0.0973% | 2,420 |
| Net operating income to assets | 1.9727% | 356 |
| Return on assets (ROA) | 1.9727% | 369 |
| Pretax return on assets | 1.9736% | 607 |
| Return on Equity (ROE) | 15.0628% | 816 |
| Retained earnings to average equity (ytd only) | 8.0607% | 1,330 |
| Net charge-offs to loans | 0.0096% | 4,396 |
| Credit loss provision to net charge-offs | 1,333.3333% | 259 |
| Earnings coverage of net charge-offs (x) | 283.7708% | 241 |
| Efficiency ratio | 65.6813% | 4,260 |
| Assets per employee ($millions) | 3.5880% | 4,700 |
| Cash dividends to net income (ytd only)* | 46.4857% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 5,258 |
| Loan loss allowance to noncurrent loans | 300.7059% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 5,209 |
| Noncurrent loans to loans | 0.3291% | 4,922 |
| Net loans and leases to total assets | 77.4796% | 1,023 |
| Net loans and leases to deposits | 96.5095% | 843 |
| Net loans and leases to core deposits | 100.8359% | 1,305 |
| Total domestic deposits to total assets | 80.2819% | 5,023 |
| Equity capital to assets | 13.3920% | 1,235 |
| Core capital (leverage) ratio | 13.2495% | 1,084 |
| Tier 1 risk-based capital ratio | 15.6396% | 3,242 |
| Total risk-based capital ratio | 16.5394% | 3,367 |
| Memoranda: | ||
| Average total assets | $164,436,750 | 3,448 |
| Average earning assets | $154,617,750 | 3,390 |
| Average equity | $21,536,000 | 3,004 |
| Average total loans | $125,513,250 | 2,967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 2,095 |
| Cost of funding earning assets | 0.2336% | 5,635 |
| Net interest margin | 4.1894% | 1,275 |
| Noninterest income to average assets | 2.0653% | 329 |
| Noninterest expense to average assets | 3.9225% | 833 |
| Loan and lease loss provision to assets | 0.0731% | 2,808 |
| Net operating income to assets | 2.0008% | 336 |
| Return on assets (ROA) | 2.0008% | 347 |
| Pretax return on assets | 2.0008% | 553 |
| Return on Equity (ROE) | 15.3933% | 732 |
| Retained earnings to average equity (ytd only) | 8.2728% | 1,224 |
| Net charge-offs to loans | 0.0177% | 3,869 |
| Credit loss provision to net charge-offs | 545.4545% | 549 |
| Earnings coverage of net charge-offs (x) | 154.8182% | 401 |
| Efficiency ratio | 65.4143% | 4,459 |
| Assets per employee ($millions) | 3.6621% | 4,521 |
| Cash dividends to net income (ytd only)* | 46.2568% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 5,592 |
| Loan loss allowance to noncurrent loans | 282.1346% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 5,221 |
| Noncurrent loans to loans | 0.3340% | 5,011 |
| Net loans and leases to total assets | 77.5605% | 967 |
| Net loans and leases to deposits | 96.6158% | 764 |
| Net loans and leases to core deposits | 100.9541% | 1,207 |
| Total domestic deposits to total assets | 80.2772% | 5,185 |
| Equity capital to assets | 13.1898% | 1,273 |
| Core capital (leverage) ratio | 13.3291% | 1,039 |
| Tier 1 risk-based capital ratio | 15.5084% | 3,350 |
| Total risk-based capital ratio | 16.3736% | 3,518 |
| Memoranda: | ||
| Average total assets | $164,233,670 | 3,476 |
| Average earning assets | $154,104,000 | 3,411 |
| Average equity | $21,347,000 | 3,012 |
| Average total loans | $124,299,330 | 2,984 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 2,121 |
| Cost of funding earning assets | 0.2330% | 5,730 |
| Net interest margin | 4.1708% | 1,293 |
| Noninterest income to average assets | 2.1006% | 309 |
| Noninterest expense to average assets | 3.9084% | 853 |
| Loan and lease loss provision to assets | 0.0366% | 3,328 |
| Net operating income to assets | 2.0420% | 312 |
| Return on assets (ROA) | 2.0420% | 326 |
| Pretax return on assets | 2.0420% | 489 |
| Return on Equity (ROE) | 15.8279% | 658 |
| Retained earnings to average equity (ytd only) | 15.8279% | 279 |
| Net charge-offs to loans | 0.0361% | 2,882 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 77.4545% | 557 |
| Efficiency ratio | 65.2812% | 4,645 |
| Assets per employee ($millions) | 3.5374% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 5,676 |
| Loan loss allowance to noncurrent loans | 268.1922% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 5,239 |
| Noncurrent loans to loans | 0.3570% | 5,050 |
| Net loans and leases to total assets | 74.5139% | 1,188 |
| Net loans and leases to deposits | 90.1312% | 1,129 |
| Net loans and leases to core deposits | 94.3227% | 1,523 |
| Total domestic deposits to total assets | 82.6727% | 4,727 |
| Equity capital to assets | 13.2829% | 1,176 |
| Core capital (leverage) ratio | 13.4013% | 1,005 |
| Tier 1 risk-based capital ratio | 16.1465% | 3,090 |
| Total risk-based capital ratio | 17.0166% | 3,255 |
| Memoranda: | ||
| Average total assets | $163,953,500 | 3,498 |
| Average earning assets | $152,776,000 | 3,464 |
| Average equity | $21,152,500 | 3,031 |
| Average total loans | $121,933,500 | 3,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 2,416 |
| Cost of funding earning assets | 0.2647% | 5,875 |
| Net interest margin | 4.1801% | 1,423 |
| Noninterest income to average assets | 2.1212% | 359 |
| Noninterest expense to average assets | 4.0495% | 827 |
| Loan and lease loss provision to assets | 0.0467% | 4,190 |
| Net operating income to assets | 1.9363% | 374 |
| Return on assets (ROA) | 1.9363% | 377 |
| Pretax return on assets | 1.9382% | 555 |
| Return on Equity (ROE) | 15.1118% | 741 |
| Retained earnings to average equity (ytd only) | 6.7638% | 1,551 |
| Net charge-offs to loans | 0.0129% | 5,196 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 212.5333% | 210 |
| Efficiency ratio | 67.1069% | 4,356 |
| Assets per employee ($millions) | 3.5910% | 4,703 |
| Cash dividends to net income (ytd only)* | 55.2412% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 5,719 |
| Loan loss allowance to noncurrent loans | 264.2534% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 5,351 |
| Noncurrent loans to loans | 0.3639% | 5,098 |
| Net loans and leases to total assets | 72.8132% | 1,545 |
| Net loans and leases to deposits | 87.8917% | 1,478 |
| Net loans and leases to core deposits | 91.9058% | 1,803 |
| Total domestic deposits to total assets | 82.8443% | 4,594 |
| Equity capital to assets | 12.5258% | 1,499 |
| Core capital (leverage) ratio | 13.1776% | 1,065 |
| Tier 1 risk-based capital ratio | 15.6070% | 3,301 |
| Total risk-based capital ratio | 16.4787% | 3,474 |
| Memoranda: | ||
| Average total assets | $160,613,400 | 3,555 |
| Average earning assets | $150,356,400 | 3,494 |
| Average equity | $20,580,000 | 3,096 |
| Average total loans | $116,082,600 | 3,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 2,298 |
| Cost of funding earning assets | 0.2724% | 5,944 |
| Net interest margin | 4.2104% | 1,300 |
| Noninterest income to average assets | 2.1362% | 378 |
| Noninterest expense to average assets | 4.0174% | 840 |
| Loan and lease loss provision to assets | 0.0376% | 4,257 |
| Net operating income to assets | 2.0342% | 341 |
| Return on assets (ROA) | 2.0342% | 353 |
| Pretax return on assets | 2.0359% | 537 |
| Return on Equity (ROE) | 15.7838% | 670 |
| Retained earnings to average equity (ytd only) | 7.9795% | 1,415 |
| Net charge-offs to loans | 0.0163% | 4,801 |
| Credit loss provision to net charge-offs | 321.4286% | 796 |
| Earnings coverage of net charge-offs (x) | 177.1066% | 322 |
| Efficiency ratio | 65.9574% | 4,490 |
| Assets per employee ($millions) | 3.3636% | 5,150 |
| Cash dividends to net income (ytd only)* | 49.4451% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 5,861 |
| Loan loss allowance to noncurrent loans | 275.5448% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 5,528 |
| Noncurrent loans to loans | 0.3507% | 5,331 |
| Net loans and leases to total assets | 73.7727% | 1,322 |
| Net loans and leases to deposits | 89.2638% | 1,245 |
| Net loans and leases to core deposits | 93.7417% | 1,597 |
| Total domestic deposits to total assets | 82.6456% | 4,703 |
| Equity capital to assets | 13.0542% | 1,312 |
| Core capital (leverage) ratio | 12.8374% | 1,265 |
| Tier 1 risk-based capital ratio | 15.8367% | 3,281 |
| Total risk-based capital ratio | 16.7052% | 3,447 |
| Memoranda: | ||
| Average total assets | $159,470,000 | 3,599 |
| Average earning assets | $149,785,500 | 3,536 |
| Average equity | $20,552,250 | 3,132 |
| Average total loans | $114,741,750 | 3,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,602 |
| Cost of funding earning assets | 0.2757% | 6,017 |
| Net interest margin | 4.1148% | 1,500 |
| Noninterest income to average assets | 2.1259% | 408 |
| Noninterest expense to average assets | 3.9705% | 896 |
| Loan and lease loss provision to assets | 0.0188% | 4,521 |
| Net operating income to assets | 1.9984% | 361 |
| Return on assets (ROA) | 1.9984% | 384 |
| Pretax return on assets | 1.9996% | 608 |
| Return on Equity (ROE) | 15.5720% | 724 |
| Retained earnings to average equity (ytd only) | 7.9419% | 1,510 |
| Net charge-offs to loans | 0.0018% | 4,885 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 1,614.0000% | 16 |
| Efficiency ratio | 66.2978% | 4,495 |
| Assets per employee ($millions) | 3.4182% | 5,021 |
| Cash dividends to net income (ytd only)* | 48.9987% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 6,000 |
| Loan loss allowance to noncurrent loans | 188.0872% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 5,333 |
| Noncurrent loans to loans | 0.5038% | 5,009 |
| Net loans and leases to total assets | 72.9333% | 1,417 |
| Net loans and leases to deposits | 86.4271% | 1,532 |
| Net loans and leases to core deposits | 90.5978% | 1,853 |
| Total domestic deposits to total assets | 84.3870% | 4,171 |
| Equity capital to assets | 12.6625% | 1,491 |
| Core capital (leverage) ratio | 12.8861% | 1,207 |
| Tier 1 risk-based capital ratio | 15.5697% | 3,444 |
| Total risk-based capital ratio | 16.4280% | 3,628 |
| Memoranda: | ||
| Average total assets | $159,931,000 | 3,613 |
| Average earning assets | $150,140,330 | 3,550 |
| Average equity | $20,524,000 | 3,152 |
| Average total loans | $113,734,670 | 3,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,486 |
| Cost of funding earning assets | 0.2844% | 6,077 |
| Net interest margin | 4.1265% | 1,386 |
| Noninterest income to average assets | 2.1332% | 397 |
| Noninterest expense to average assets | 3.8830% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1057% | 289 |
| Return on assets (ROA) | 2.1057% | 316 |
| Pretax return on assets | 2.1057% | 487 |
| Return on Equity (ROE) | 16.2992% | 575 |
| Retained earnings to average equity (ytd only) | 14.5335% | 395 |
| Net charge-offs to loans | 0.0036% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 840.0000% | 29 |
| Efficiency ratio | 64.8388% | 4,855 |
| Assets per employee ($millions) | 3.3441% | 5,344 |
| Cash dividends to net income (ytd only)* | 10.8333% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,956 |
| Loan loss allowance to noncurrent loans | 225.2546% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 5,392 |
| Noncurrent loans to loans | 0.4476% | 5,302 |
| Net loans and leases to total assets | 67.6516% | 2,084 |
| Net loans and leases to deposits | 80.5410% | 2,015 |
| Net loans and leases to core deposits | 84.4409% | 2,274 |
| Total domestic deposits to total assets | 83.9965% | 4,480 |
| Equity capital to assets | 13.0630% | 1,396 |
| Core capital (leverage) ratio | 12.8160% | 1,187 |
| Tier 1 risk-based capital ratio | 16.5661% | 2,970 |
| Total risk-based capital ratio | 17.4700% | 3,094 |
| Memoranda: | ||
| Average total assets | $159,569,000 | 3,656 |
| Average earning assets | $149,085,500 | 3,611 |
| Average equity | $20,614,500 | 3,188 |
| Average total loans | $111,456,000 | 3,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 2,193 |
| Cost of funding earning assets | 0.3883% | 5,990 |
| Net interest margin | 4.4120% | 1,140 |
| Noninterest income to average assets | 2.0307% | 427 |
| Noninterest expense to average assets | 4.0628% | 908 |
| Loan and lease loss provision to assets | 0.0587% | 5,041 |
| Net operating income to assets | 1.9622% | 385 |
| Return on assets (ROA) | 1.9622% | 416 |
| Pretax return on assets | 1.9635% | 648 |
| Return on Equity (ROE) | 15.3466% | 754 |
| Retained earnings to average equity (ytd only) | 7.4947% | 1,342 |
| Net charge-offs to loans | 0.0037% | 5,930 |
| Credit loss provision to net charge-offs | 2,250.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 775.0000% | 48 |
| Efficiency ratio | 66.7667% | 4,369 |
| Assets per employee ($millions) | 3.3046% | 5,411 |
| Cash dividends to net income (ytd only)* | 51.1636% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,038 |
| Loan loss allowance to noncurrent loans | 295.7219% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,721 |
| Noncurrent loans to loans | 0.3303% | 5,659 |
| Net loans and leases to total assets | 70.6764% | 1,707 |
| Net loans and leases to deposits | 83.9686% | 1,758 |
| Net loans and leases to core deposits | 87.8680% | 2,102 |
| Total domestic deposits to total assets | 84.1700% | 4,242 |
| Equity capital to assets | 12.7731% | 1,551 |
| Core capital (leverage) ratio | 12.6500% | 1,256 |
| Tier 1 risk-based capital ratio | 15.6712% | 3,337 |
| Total risk-based capital ratio | 16.5599% | 3,492 |
| Memoranda: | ||
| Average total assets | $153,295,000 | 3,722 |
| Average earning assets | $140,865,000 | 3,711 |
| Average equity | $19,600,400 | 3,249 |
| Average total loans | $108,424,800 | 3,325 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 2,240 |
| Cost of funding earning assets | 0.4078% | 6,074 |
| Net interest margin | 4.4319% | 1,135 |
| Noninterest income to average assets | 2.0662% | 402 |
| Noninterest expense to average assets | 4.0368% | 895 |
| Loan and lease loss provision to assets | 0.0702% | 4,791 |
| Net operating income to assets | 2.0285% | 375 |
| Return on assets (ROA) | 2.0285% | 413 |
| Pretax return on assets | 2.0303% | 665 |
| Return on Equity (ROE) | 15.8608% | 760 |
| Retained earnings to average equity (ytd only) | 9.0143% | 1,223 |
| Net charge-offs to loans | 0.0037% | 5,713 |
| Credit loss provision to net charge-offs | 2,666.6667% | 102 |
| Earnings coverage of net charge-offs (x) | 797.9800% | 50 |
| Efficiency ratio | 65.7756% | 4,489 |
| Assets per employee ($millions) | 3.1522% | 5,728 |
| Cash dividends to net income (ytd only)* | 43.1660% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 6,072 |
| Loan loss allowance to noncurrent loans | 316.1383% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 4,836 |
| Noncurrent loans to loans | 0.3168% | 5,846 |
| Net loans and leases to total assets | 71.6658% | 1,609 |
| Net loans and leases to deposits | 85.8645% | 1,615 |
| Net loans and leases to core deposits | 89.7179% | 2,016 |
| Total domestic deposits to total assets | 83.4639% | 4,451 |
| Equity capital to assets | 13.3545% | 1,409 |
| Core capital (leverage) ratio | 12.9435% | 1,209 |
| Tier 1 risk-based capital ratio | 15.9594% | 3,287 |
| Total risk-based capital ratio | 16.8635% | 3,433 |
| Memoranda: | ||
| Average total assets | $151,963,000 | 3,785 |
| Average earning assets | $139,591,000 | 3,772 |
| Average equity | $19,435,250 | 3,300 |
| Average total loans | $107,227,250 | 3,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 2,663 |
| Cost of funding earning assets | 0.4219% | 6,153 |
| Net interest margin | 4.3421% | 1,358 |
| Noninterest income to average assets | 2.0804% | 379 |
| Noninterest expense to average assets | 4.0267% | 910 |
| Loan and lease loss provision to assets | 0.0657% | 4,816 |
| Net operating income to assets | 1.9766% | 406 |
| Return on assets (ROA) | 1.9766% | 469 |
| Pretax return on assets | 1.9779% | 720 |
| Return on Equity (ROE) | 15.6844% | 821 |
| Retained earnings to average equity (ytd only) | 7.8735% | 1,687 |
| Net charge-offs to loans | 0.0038% | 5,458 |
| Credit loss provision to net charge-offs | 2,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 777.5000% | 42 |
| Efficiency ratio | 66.3347% | 4,479 |
| Assets per employee ($millions) | 3.2100% | 5,628 |
| Cash dividends to net income (ytd only)* | 49.8005% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,166 |
| Loan loss allowance to noncurrent loans | 299.1597% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 4,617 |
| Noncurrent loans to loans | 0.3340% | 5,881 |
| Net loans and leases to total assets | 70.1418% | 1,894 |
| Net loans and leases to deposits | 84.0259% | 1,852 |
| Net loans and leases to core deposits | 87.8112% | 2,229 |
| Total domestic deposits to total assets | 83.4765% | 4,541 |
| Equity capital to assets | 12.9920% | 1,525 |
| Core capital (leverage) ratio | 12.5984% | 1,310 |
| Tier 1 risk-based capital ratio | 15.7465% | 3,305 |
| Total risk-based capital ratio | 16.6407% | 3,474 |
| Memoranda: | ||
| Average total assets | $152,182,330 | 3,801 |
| Average earning assets | $139,839,670 | 3,789 |
| Average equity | $19,178,330 | 3,331 |
| Average total loans | $106,459,330 | 3,416 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 2,102 |
| Cost of funding earning assets | 0.4455% | 6,176 |
| Net interest margin | 4.4918% | 1,025 |
| Noninterest income to average assets | 2.1199% | 371 |
| Noninterest expense to average assets | 3.9597% | 983 |
| Loan and lease loss provision to assets | 0.0523% | 4,757 |
| Net operating income to assets | 2.2220% | 280 |
| Return on assets (ROA) | 2.2220% | 333 |
| Pretax return on assets | 2.2246% | 518 |
| Return on Equity (ROE) | 17.9048% | 561 |
| Retained earnings to average equity (ytd only) | 7.5921% | 2,129 |
| Net charge-offs to loans | 0.0113% | 4,553 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 112 |
| Efficiency ratio | 63.4914% | 5,019 |
| Assets per employee ($millions) | 3.2949% | 5,578 |
| Cash dividends to net income (ytd only)* | 57.5972% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 6,362 |
| Loan loss allowance to noncurrent loans | 253.1707% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 4,543 |
| Noncurrent loans to loans | 0.3828% | 5,908 |
| Net loans and leases to total assets | 69.9887% | 1,755 |
| Net loans and leases to deposits | 83.4184% | 1,738 |
| Net loans and leases to core deposits | 87.1242% | 2,161 |
| Total domestic deposits to total assets | 83.9007% | 4,542 |
| Equity capital to assets | 12.5846% | 1,665 |
| Core capital (leverage) ratio | 12.4007% | 1,384 |
| Tier 1 risk-based capital ratio | 15.3342% | 3,538 |
| Total risk-based capital ratio | 16.1987% | 3,750 |
| Memoranda: | ||
| Average total assets | $152,838,500 | 3,824 |
| Average earning assets | $140,076,000 | 3,815 |
| Average equity | $18,967,000 | 3,354 |
| Average total loans | $106,243,500 | 3,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 2,912 |
| Cost of funding earning assets | 0.6026% | 6,081 |
| Net interest margin | 4.3897% | 1,417 |
| Noninterest income to average assets | 1.8314% | 433 |
| Noninterest expense to average assets | 3.8681% | 1,228 |
| Loan and lease loss provision to assets | 0.0301% | 6,195 |
| Net operating income to assets | 1.9451% | 345 |
| Return on assets (ROA) | 1.9545% | 360 |
| Pretax return on assets | 1.9565% | 582 |
| Return on Equity (ROE) | 16.3154% | 562 |
| Retained earnings to average equity (ytd only) | 7.1725% | 1,417 |
| Net charge-offs to loans | 0.0303% | 6,022 |
| Credit loss provision to net charge-offs | 145.1613% | 1,984 |
| Earnings coverage of net charge-offs (x) | 95.3871% | 318 |
| Efficiency ratio | 66.1748% | 4,737 |
| Assets per employee ($millions) | 3.3502% | 5,374 |
| Cash dividends to net income (ytd only)* | 56.0383% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 6,342 |
| Loan loss allowance to noncurrent loans | 251.2315% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 4,639 |
| Noncurrent loans to loans | 0.3853% | 5,940 |
| Net loans and leases to total assets | 67.7109% | 2,452 |
| Net loans and leases to deposits | 80.5493% | 2,422 |
| Net loans and leases to core deposits | 84.1078% | 2,880 |
| Total domestic deposits to total assets | 84.0615% | 4,294 |
| Equity capital to assets | 12.2379% | 1,943 |
| Core capital (leverage) ratio | 12.2138% | 1,485 |
| Tier 1 risk-based capital ratio | 15.0889% | 3,589 |
| Total risk-based capital ratio | 15.9415% | 3,818 |
| Memoranda: | ||
| Average total assets | $149,555,600 | 3,810 |
| Average earning assets | $136,751,000 | 3,807 |
| Average equity | $17,915,600 | 3,437 |
| Average total loans | $102,327,400 | 3,562 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 2,906 |
| Cost of funding earning assets | 0.6388% | 6,100 |
| Net interest margin | 4.3979% | 1,412 |
| Noninterest income to average assets | 1.7805% | 452 |
| Noninterest expense to average assets | 3.8934% | 1,165 |
| Loan and lease loss provision to assets | 0.0404% | 5,935 |
| Net operating income to assets | 1.8587% | 460 |
| Return on assets (ROA) | 1.8713% | 489 |
| Pretax return on assets | 1.8731% | 829 |
| Return on Equity (ROE) | 15.7089% | 717 |
| Retained earnings to average equity (ytd only) | 7.1267% | 1,902 |
| Net charge-offs to loans | 0.0407% | 5,587 |
| Credit loss provision to net charge-offs | 145.1613% | 2,178 |
| Earnings coverage of net charge-offs (x) | 68.2618% | 485 |
| Efficiency ratio | 67.1938% | 4,484 |
| Assets per employee ($millions) | 3.1539% | 5,773 |
| Cash dividends to net income (ytd only)* | 54.6330% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,286 |
| Loan loss allowance to noncurrent loans | 257.4307% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 4,670 |
| Noncurrent loans to loans | 0.3873% | 6,082 |
| Net loans and leases to total assets | 68.4649% | 2,385 |
| Net loans and leases to deposits | 83.5507% | 2,079 |
| Net loans and leases to core deposits | 87.9264% | 2,506 |
| Total domestic deposits to total assets | 81.9442% | 5,112 |
| Equity capital to assets | 12.5409% | 1,897 |
| Core capital (leverage) ratio | 11.8584% | 1,784 |
| Tier 1 risk-based capital ratio | 15.2201% | 3,540 |
| Total risk-based capital ratio | 16.0983% | 3,725 |
| Memoranda: | ||
| Average total assets | $148,416,750 | 3,855 |
| Average earning assets | $135,455,250 | 3,848 |
| Average equity | $17,679,500 | 3,473 |
| Average total loans | $101,566,750 | 3,604 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 2,928 |
| Cost of funding earning assets | 0.6631% | 6,156 |
| Net interest margin | 4.3869% | 1,408 |
| Noninterest income to average assets | 1.6326% | 494 |
| Noninterest expense to average assets | 3.8646% | 1,254 |
| Loan and lease loss provision to assets | 0.0606% | 5,549 |
| Net operating income to assets | 1.6972% | 606 |
| Return on assets (ROA) | 1.6972% | 654 |
| Pretax return on assets | 1.6999% | 1,058 |
| Return on Equity (ROE) | 14.5028% | 887 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,445 |
| Net charge-offs to loans | 0.0928% | 4,745 |
| Credit loss provision to net charge-offs | 95.7447% | 3,282 |
| Earnings coverage of net charge-offs (x) | 27.8085% | 982 |
| Efficiency ratio | 68.7021% | 4,391 |
| Assets per employee ($millions) | 3.2641% | 5,496 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 6,297 |
| Loan loss allowance to noncurrent loans | 207.4227% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,720 |
| Noncurrent loans to loans | 0.4855% | 5,935 |
| Net loans and leases to total assets | 65.8694% | 3,054 |
| Net loans and leases to deposits | 80.1694% | 2,759 |
| Net loans and leases to core deposits | 84.3002% | 3,171 |
| Total domestic deposits to total assets | 82.1628% | 5,111 |
| Equity capital to assets | 12.0042% | 2,083 |
| Core capital (leverage) ratio | 11.8098% | 1,716 |
| Tier 1 risk-based capital ratio | 15.3697% | 3,315 |
| Total risk-based capital ratio | 16.2550% | 3,468 |
| Memoranda: | ||
| Average total assets | $148,477,330 | 3,875 |
| Average earning assets | $135,130,670 | 3,881 |
| Average equity | $17,376,000 | 3,515 |
| Average total loans | $101,252,000 | 3,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 2,923 |
| Cost of funding earning assets | 0.6613% | 6,341 |
| Net interest margin | 4.3751% | 1,351 |
| Noninterest income to average assets | 1.9236% | 378 |
| Noninterest expense to average assets | 3.8092% | 1,323 |
| Loan and lease loss provision to assets | 0.0813% | 4,992 |
| Net operating income to assets | 2.0482% | 323 |
| Return on assets (ROA) | 2.0482% | 338 |
| Pretax return on assets | 2.0482% | 514 |
| Return on Equity (ROE) | 17.7340% | 504 |
| Retained earnings to average equity (ytd only) | 8.7732% | 1,461 |
| Net charge-offs to loans | 0.1413% | 3,657 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,070 |
| Efficiency ratio | 64.1423% | 5,346 |
| Assets per employee ($millions) | 3.4209% | 5,187 |
| Cash dividends to net income (ytd only)* | 50.5291% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 6,382 |
| Loan loss allowance to noncurrent loans | 193.2432% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 4,398 |
| Noncurrent loans to loans | 0.5200% | 5,987 |
| Net loans and leases to total assets | 65.5197% | 3,127 |
| Net loans and leases to deposits | 79.3587% | 2,834 |
| Net loans and leases to core deposits | 83.0952% | 3,294 |
| Total domestic deposits to total assets | 82.5616% | 5,083 |
| Equity capital to assets | 11.4883% | 2,283 |
| Core capital (leverage) ratio | 11.8116% | 1,672 |
| Tier 1 risk-based capital ratio | 14.9603% | 3,449 |
| Total risk-based capital ratio | 15.8340% | 3,644 |
| Memoranda: | ||
| Average total assets | $147,642,500 | 3,921 |
| Average earning assets | $135,494,000 | 3,908 |
| Average equity | $17,052,000 | 3,553 |
| Average total loans | $101,924,500 | 3,673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 2,666 |
| Cost of funding earning assets | 0.8798% | 6,244 |
| Net interest margin | 4.5216% | 1,180 |
| Noninterest income to average assets | 1.6426% | 540 |
| Noninterest expense to average assets | 3.7246% | 1,646 |
| Loan and lease loss provision to assets | 0.2193% | 5,072 |
| Net operating income to assets | 1.9065% | 334 |
| Return on assets (ROA) | 1.9065% | 356 |
| Pretax return on assets | 1.9072% | 600 |
| Return on Equity (ROE) | 14.4313% | 807 |
| Retained earnings to average equity (ytd only) | -9.3345% | 6,626 |
| Net charge-offs to loans | 0.2295% | 4,907 |
| Credit loss provision to net charge-offs | 132.3529% | 2,967 |
| Earnings coverage of net charge-offs (x) | 12.8319% | 1,463 |
| Efficiency ratio | 63.6558% | 5,410 |
| Assets per employee ($millions) | 3.2902% | 5,452 |
| Cash dividends to net income (ytd only)* | 164.6822% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,509 |
| Loan loss allowance to noncurrent loans | 95.8135% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.7290% | 3,706 |
| Noncurrent loans to loans | 1.0084% | 5,049 |
| Net loans and leases to total assets | 71.3022% | 2,237 |
| Net loans and leases to deposits | 86.8251% | 1,963 |
| Net loans and leases to core deposits | 91.5909% | 2,545 |
| Total domestic deposits to total assets | 82.1216% | 5,153 |
| Equity capital to assets | 11.6131% | 2,179 |
| Core capital (leverage) ratio | 11.3630% | 1,916 |
| Tier 1 risk-based capital ratio | 14.3676% | 3,635 |
| Total risk-based capital ratio | 15.2306% | 3,851 |
| Memoranda: | ||
| Average total assets | $143,614,400 | 3,992 |
| Average earning assets | $133,668,200 | 3,937 |
| Average equity | $18,972,600 | 3,283 |
| Average total loans | $103,704,000 | 3,684 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4576% | 2,615 |
| Cost of funding earning assets | 0.9214% | 6,305 |
| Net interest margin | 4.5362% | 1,179 |
| Noninterest income to average assets | 1.6345% | 524 |
| Noninterest expense to average assets | 3.7192% | 1,530 |
| Loan and lease loss provision to assets | 0.2837% | 4,312 |
| Net operating income to assets | 1.8577% | 445 |
| Return on assets (ROA) | 1.8577% | 493 |
| Pretax return on assets | 1.8586% | 834 |
| Return on Equity (ROE) | 13.6454% | 1,110 |
| Retained earnings to average equity (ytd only) | 6.7510% | 1,970 |
| Net charge-offs to loans | 0.3051% | 4,144 |
| Credit loss provision to net charge-offs | 128.6920% | 3,156 |
| Earnings coverage of net charge-offs (x) | 9.7174% | 1,979 |
| Efficiency ratio | 63.4502% | 5,353 |
| Assets per employee ($millions) | 3.7102% | 4,487 |
| Cash dividends to net income (ytd only)* | 50.5258% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,553 |
| Loan loss allowance to noncurrent loans | 103.5270% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5382% | 4,140 |
| Noncurrent loans to loans | 0.9215% | 5,396 |
| Net loans and leases to total assets | 64.9444% | 3,915 |
| Net loans and leases to deposits | 80.8444% | 3,297 |
| Net loans and leases to core deposits | 85.4651% | 3,733 |
| Total domestic deposits to total assets | 80.3326% | 5,600 |
| Equity capital to assets | 12.6935% | 1,759 |
| Core capital (leverage) ratio | 13.8862% | 942 |
| Tier 1 risk-based capital ratio | 16.2218% | 2,661 |
| Total risk-based capital ratio | 17.0509% | 2,808 |
| Memoranda: | ||
| Average total assets | $143,326,250 | 4,050 |
| Average earning assets | $133,560,500 | 3,996 |
| Average equity | $19,512,750 | 3,250 |
| Average total loans | $103,572,750 | 3,746 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 2,254 |
| Cost of funding earning assets | 0.8913% | 6,620 |
| Net interest margin | 4.6775% | 847 |
| Noninterest income to average assets | 1.6908% | 456 |
| Noninterest expense to average assets | 3.8456% | 1,272 |
| Loan and lease loss provision to assets | 0.2900% | 4,065 |
| Net operating income to assets | 1.9141% | 385 |
| Return on assets (ROA) | 1.9141% | 426 |
| Pretax return on assets | 1.9156% | 719 |
| Return on Equity (ROE) | 13.7024% | 1,097 |
| Retained earnings to average equity (ytd only) | 7.8374% | 1,496 |
| Net charge-offs to loans | 0.0174% | 6,097 |
| Credit loss provision to net charge-offs | 2,222.2222% | 184 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 210 |
| Efficiency ratio | 63.5514% | 5,423 |
| Assets per employee ($millions) | 3.2281% | 5,609 |
| Cash dividends to net income (ytd only)* | 42.8030% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 6,110 |
| Loan loss allowance to noncurrent loans | 81.6000% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.6094% | 4,026 |
| Noncurrent loans to loans | 1.3047% | 4,770 |
| Net loans and leases to total assets | 75.1153% | 1,669 |
| Net loans and leases to deposits | 95.0560% | 1,143 |
| Net loans and leases to core deposits | 102.0785% | 1,820 |
| Total domestic deposits to total assets | 79.0221% | 6,033 |
| Equity capital to assets | 14.2708% | 1,078 |
| Core capital (leverage) ratio | 14.0701% | 913 |
| Tier 1 risk-based capital ratio | 16.5068% | 2,466 |
| Total risk-based capital ratio | 17.4668% | 2,538 |
| Memoranda: | ||
| Average total assets | $137,922,330 | 4,174 |
| Average earning assets | $128,571,670 | 4,118 |
| Average equity | $19,266,670 | 3,273 |
| Average total loans | $103,227,330 | 3,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 2,270 |
| Cost of funding earning assets | 0.8980% | 6,779 |
| Net interest margin | 4.6754% | 827 |
| Noninterest income to average assets | 1.6817% | 449 |
| Noninterest expense to average assets | 3.8406% | 1,257 |
| Loan and lease loss provision to assets | 0.4364% | 2,780 |
| Net operating income to assets | 1.7341% | 570 |
| Return on assets (ROA) | 1.7341% | 627 |
| Pretax return on assets | 1.7370% | 991 |
| Return on Equity (ROE) | 12.5503% | 1,362 |
| Retained earnings to average equity (ytd only) | 9.9392% | 1,153 |
| Net charge-offs to loans | 0.0313% | 5,135 |
| Credit loss provision to net charge-offs | 1,875.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 93.3750% | 349 |
| Efficiency ratio | 63.8607% | 5,524 |
| Assets per employee ($millions) | 3.1681% | 5,840 |
| Cash dividends to net income (ytd only)* | 20.8054% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,252 |
| Loan loss allowance to noncurrent loans | 77.2334% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6818% | 3,951 |
| Noncurrent loans to loans | 1.3538% | 4,711 |
| Net loans and leases to total assets | 74.4764% | 1,865 |
| Net loans and leases to deposits | 94.2690% | 1,321 |
| Net loans and leases to core deposits | 100.8298% | 2,049 |
| Total domestic deposits to total assets | 79.0042% | 6,079 |
| Equity capital to assets | 14.0846% | 1,114 |
| Core capital (leverage) ratio | 14.0801% | 943 |
| Tier 1 risk-based capital ratio | 17.2280% | 2,186 |
| Total risk-based capital ratio | 18.1995% | 2,230 |
| Memoranda: | ||
| Average total assets | $137,479,500 | 4,236 |
| Average earning assets | $127,389,500 | 4,201 |
| Average equity | $18,995,500 | 3,323 |
| Average total loans | $102,147,000 | 3,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7266% | 2,980 |
| Cost of funding earning assets | 1.1634% | 6,786 |
| Net interest margin | 4.5632% | 1,050 |
| Noninterest income to average assets | 1.7358% | 482 |
| Noninterest expense to average assets | 3.8803% | 1,540 |
| Loan and lease loss provision to assets | 0.2082% | 5,678 |
| Net operating income to assets | 1.9264% | 272 |
| Return on assets (ROA) | 1.9264% | 278 |
| Pretax return on assets | 1.9279% | 476 |
| Return on Equity (ROE) | 14.1099% | 764 |
| Retained earnings to average equity (ytd only) | 11.6377% | 240 |
| Net charge-offs to loans | 0.2998% | 4,753 |
| Credit loss provision to net charge-offs | 92.8328% | 5,900 |
| Earnings coverage of net charge-offs (x) | 9.5256% | 1,785 |
| Efficiency ratio | 64.4956% | 5,676 |
| Assets per employee ($millions) | 3.2263% | 5,662 |
| Cash dividends to net income (ytd only)* | 17.5209% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 6,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6509% | 5,838 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.6833% | 2,586 |
| Net loans and leases to deposits | 91.2286% | 2,009 |
| Net loans and leases to core deposits | 104.6962% | 3,490 |
| Total domestic deposits to total assets | 79.6716% | 5,785 |
| Equity capital to assets | 13.5542% | 1,298 |
| Core capital (leverage) ratio | 13.9224% | 999 |
| Tier 1 risk-based capital ratio | 16.3626% | 2,370 |
| Total risk-based capital ratio | 17.1835% | 2,478 |
| Memoranda: | ||
| Average total assets | $130,659,000 | 4,322 |
| Average earning assets | $122,567,800 | 4,255 |
| Average equity | $17,838,600 | 3,527 |
| Average total loans | $97,730,600 | 4,016 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 3,094 |
| Cost of funding earning assets | 1.2139% | 6,850 |
| Net interest margin | 4.5371% | 1,104 |
| Noninterest income to average assets | 1.7381% | 486 |
| Noninterest expense to average assets | 3.9986% | 1,274 |
| Loan and lease loss provision to assets | 0.2042% | 5,356 |
| Net operating income to assets | 1.8138% | 430 |
| Return on assets (ROA) | 1.8138% | 463 |
| Pretax return on assets | 1.8159% | 777 |
| Return on Equity (ROE) | 13.2593% | 1,057 |
| Retained earnings to average equity (ytd only) | 12.1304% | 334 |
| Net charge-offs to loans | 0.4025% | 3,642 |
| Credit loss provision to net charge-offs | 67.4658% | 6,032 |
| Earnings coverage of net charge-offs (x) | 6.6747% | 2,557 |
| Efficiency ratio | 66.4371% | 5,300 |
| Assets per employee ($millions) | 3.0789% | 5,965 |
| Cash dividends to net income (ytd only)* | 8.5142% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,786 |
| Loan loss allowance to noncurrent loans | 85,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 5,766 |
| Noncurrent loans to loans | 0.0010% | 7,539 |
| Net loans and leases to total assets | 71.7238% | 3,102 |
| Net loans and leases to deposits | 91.3005% | 2,345 |
| Net loans and leases to core deposits | 103.3714% | 4,015 |
| Total domestic deposits to total assets | 78.5579% | 5,939 |
| Equity capital to assets | 13.8707% | 1,349 |
| Core capital (leverage) ratio | 14.0858% | 1,072 |
| Tier 1 risk-based capital ratio | 17.5937% | 2,098 |
| Total risk-based capital ratio | 18.4275% | 2,166 |
| Memoranda: | ||
| Average total assets | $128,640,750 | 4,397 |
| Average earning assets | $121,365,500 | 4,312 |
| Average equity | $17,597,250 | 3,593 |
| Average total loans | $96,722,000 | 4,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8002% | 3,042 |
| Cost of funding earning assets | 1.2606% | 6,924 |
| Net interest margin | 4.5397% | 1,078 |
| Noninterest income to average assets | 1.6610% | 533 |
| Noninterest expense to average assets | 3.9783% | 1,353 |
| Loan and lease loss provision to assets | 0.1915% | 5,130 |
| Net operating income to assets | 1.7584% | 508 |
| Return on assets (ROA) | 1.7584% | 549 |
| Pretax return on assets | 1.7600% | 913 |
| Return on Equity (ROE) | 12.9169% | 1,196 |
| Retained earnings to average equity (ytd only) | 11.6136% | 489 |
| Net charge-offs to loans | 0.5998% | 2,540 |
| Credit loss provision to net charge-offs | 41.9244% | 5,874 |
| Earnings coverage of net charge-offs (x) | 4.2715% | 3,154 |
| Efficiency ratio | 67.0903% | 5,345 |
| Assets per employee ($millions) | 2.8866% | 6,427 |
| Cash dividends to net income (ytd only)* | 10.0893% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 7,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,541 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.6228% | 2,281 |
| Net loans and leases to deposits | 96.1789% | 1,769 |
| Net loans and leases to core deposits | 110.3883% | 3,339 |
| Total domestic deposits to total assets | 78.6272% | 5,919 |
| Equity capital to assets | 13.9444% | 1,333 |
| Core capital (leverage) ratio | 13.7706% | 1,199 |
| Tier 1 risk-based capital ratio | 16.8753% | 2,336 |
| Total risk-based capital ratio | 17.6308% | 2,437 |
| Memoranda: | ||
| Average total assets | $127,389,670 | 4,447 |
| Average earning assets | $119,788,000 | 4,373 |
| Average equity | $17,341,670 | 3,649 |
| Average total loans | $97,024,670 | 4,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7827% | 3,391 |
| Cost of funding earning assets | 1.2906% | 7,043 |
| Net interest margin | 4.4921% | 1,142 |
| Noninterest income to average assets | 1.5332% | 592 |
| Noninterest expense to average assets | 3.9568% | 1,235 |
| Loan and lease loss provision to assets | 0.1474% | 5,058 |
| Net operating income to assets | 1.6272% | 750 |
| Return on assets (ROA) | 1.6272% | 821 |
| Pretax return on assets | 1.6304% | 1,331 |
| Return on Equity (ROE) | 12.1000% | 1,633 |
| Retained earnings to average equity (ytd only) | 9.4655% | 1,348 |
| Net charge-offs to loans | 0.0206% | 5,275 |
| Credit loss provision to net charge-offs | 940.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 382 |
| Efficiency ratio | 68.9995% | 4,775 |
| Assets per employee ($millions) | 2.9765% | 6,223 |
| Cash dividends to net income (ytd only)* | 21.7726% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,003 |
| Loan loss allowance to noncurrent loans | 343.5986% | 994 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 4,590 |
| Noncurrent loans to loans | 0.2979% | 6,698 |
| Net loans and leases to total assets | 76.8134% | 2,084 |
| Net loans and leases to deposits | 98.9235% | 1,545 |
| Net loans and leases to core deposits | 113.5583% | 3,052 |
| Total domestic deposits to total assets | 77.6493% | 6,116 |
| Equity capital to assets | 13.8451% | 1,411 |
| Core capital (leverage) ratio | 13.4153% | 1,353 |
| Tier 1 risk-based capital ratio | 16.2458% | 2,595 |
| Total risk-based capital ratio | 17.2022% | 2,644 |
| Memoranda: | ||
| Average total assets | $127,578,500 | 4,454 |
| Average earning assets | $119,320,500 | 4,406 |
| Average equity | $17,157,000 | 3,705 |
| Average total loans | $97,121,000 | 4,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1308% | 4,893 |
| Cost of funding earning assets | 1.7435% | 7,151 |
| Net interest margin | 4.3873% | 1,724 |
| Noninterest income to average assets | 1.7853% | 425 |
| Noninterest expense to average assets | 3.8916% | 1,575 |
| Loan and lease loss provision to assets | 0.1805% | 5,090 |
| Net operating income to assets | 1.8246% | 528 |
| Return on assets (ROA) | 1.8246% | 507 |
| Pretax return on assets | 1.8262% | 892 |
| Return on Equity (ROE) | 13.8321% | 1,139 |
| Retained earnings to average equity (ytd only) | 2.2628% | 3,802 |
| Net charge-offs to loans | 0.3063% | 3,353 |
| Credit loss provision to net charge-offs | 79.5053% | 5,911 |
| Earnings coverage of net charge-offs (x) | 8.8375% | 2,811 |
| Efficiency ratio | 65.9774% | 5,130 |
| Assets per employee ($millions) | 3.0987% | 5,769 |
| Cash dividends to net income (ytd only)* | 83.6412% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 6,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 3,923 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.9729% | 3,105 |
| Net loans and leases to deposits | 95.2349% | 2,573 |
| Net loans and leases to core deposits | 110.6931% | 3,716 |
| Total domestic deposits to total assets | 77.6741% | 5,814 |
| Equity capital to assets | 13.0670% | 1,758 |
| Core capital (leverage) ratio | 13.1495% | 1,499 |
| Tier 1 risk-based capital ratio | 15.6490% | 2,799 |
| Total risk-based capital ratio | 16.5531% | 2,853 |
| Memoranda: | ||
| Average total assets | $124,628,200 | 4,404 |
| Average earning assets | $116,836,600 | 4,344 |
| Average equity | $16,440,000 | 3,836 |
| Average total loans | $92,406,000 | 4,146 |