Home > Merchants and Farmers Bank > Performance and Condition Ratios
Merchants and Farmers 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 | 6.4053% | 386 |
| Cost of funding earning assets | 1.7075% | 1,437 |
| Net interest margin | 4.6977% | 478 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.9834% | 1,149 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.1877% | 1,674 |
| Return on assets (ROA) | 1.2006% | 1,624 |
| Pretax return on assets | 1.5928% | 1,246 |
| Return on Equity (ROE) | 11.6000% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,450 |
| Net charge-offs to loans | 0.3253% | 334 |
| Credit loss provision to net charge-offs | 99.1736% | 1,861 |
| Earnings coverage of net charge-offs (x) | 7.0777% | 2,431 |
| Efficiency ratio | 61.9378% | 2,838 |
| Assets per employee ($millions) | 5.6309% | 3,130 |
| Cash dividends to net income (ytd only)* | 53.4950% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 1,937 |
| Loan loss allowance to noncurrent loans | 402.5084% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 1,487 |
| Noncurrent loans to loans | 0.3148% | 2,062 |
| Net loans and leases to total assets | 79.3100% | 726 |
| Net loans and leases to deposits | 93.4598% | 981 |
| Net loans and leases to core deposits | 105.6225% | 1,131 |
| Total domestic deposits to total assets | 84.8600% | 2,351 |
| Equity capital to assets | 10.4284% | 1,764 |
| Core capital (leverage) ratio | 10.4156% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0022% | 1,527 |
| Memoranda: | ||
| Average total assets | $233,555,200 | 2,774 |
| Average earning assets | $212,995,800 | 2,782 |
| Average equity | $24,163,000 | 2,570 |
| Average total loans | $185,964,400 | 2,385 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1685% | 437 |
| Cost of funding earning assets | 1.5555% | 1,471 |
| Net interest margin | 4.6130% | 513 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.9882% | 1,086 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.1619% | 1,897 |
| Return on assets (ROA) | 1.1791% | 1,835 |
| Pretax return on assets | 1.5497% | 1,467 |
| Return on Equity (ROE) | 11.4200% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.4205% | 1,085 |
| Net charge-offs to loans | 0.0447% | 1,251 |
| Credit loss provision to net charge-offs | 451.6129% | 681 |
| Earnings coverage of net charge-offs (x) | 47.5484% | 1,339 |
| Efficiency ratio | 63.8991% | 2,501 |
| Assets per employee ($millions) | 5.8886% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,777 |
| Loan loss allowance to noncurrent loans | 241.8583% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 1,327 |
| Noncurrent loans to loans | 0.5456% | 1,461 |
| Net loans and leases to total assets | 79.5000% | 704 |
| Net loans and leases to deposits | 93.2627% | 949 |
| Net loans and leases to core deposits | 103.4528% | 1,144 |
| Total domestic deposits to total assets | 85.2400% | 2,433 |
| Equity capital to assets | 10.0917% | 1,772 |
| Core capital (leverage) ratio | 11.0006% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7677% | 1,984 |
| Memoranda: | ||
| Average total assets | $232,819,500 | 2,790 |
| Average earning assets | $212,408,500 | 2,797 |
| Average equity | $24,038,000 | 2,565 |
| Average total loans | $184,964,750 | 2,401 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 462 |
| Cost of funding earning assets | 1.3453% | 1,598 |
| Net interest margin | 4.6219% | 506 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.9405% | 1,142 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.2148% | 1,792 |
| Return on assets (ROA) | 1.1974% | 1,830 |
| Pretax return on assets | 1.5834% | 1,443 |
| Return on Equity (ROE) | 11.5000% | 2,296 |
| Retained earnings to average equity (ytd only) | 11.5039% | 1,074 |
| Net charge-offs to loans | -0.0011% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.5140% | 2,643 |
| Assets per employee ($millions) | 5.0058% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,625 |
| Loan loss allowance to noncurrent loans | 213.3333% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 1,030 |
| Noncurrent loans to loans | 0.6445% | 1,161 |
| Net loans and leases to total assets | 80.7400% | 551 |
| Net loans and leases to deposits | 95.4950% | 763 |
| Net loans and leases to core deposits | 104.5445% | 1,033 |
| Total domestic deposits to total assets | 84.5500% | 2,673 |
| Equity capital to assets | 10.5577% | 1,569 |
| Core capital (leverage) ratio | 10.8939% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8645% | 1,953 |
| Memoranda: | ||
| Average total assets | $227,985,333 | 2,818 |
| Average earning assets | $208,139,333 | 2,837 |
| Average equity | $23,731,000 | 2,583 |
| Average total loans | $180,206,667 | 2,438 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 675 |
| Cost of funding earning assets | 0.9728% | 2,143 |
| Net interest margin | 4.4684% | 610 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.0047% | 1,054 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.0911% | 2,260 |
| Return on assets (ROA) | 1.0562% | 2,331 |
| Pretax return on assets | 1.3860% | 1,916 |
| Return on Equity (ROE) | 10.2200% | 2,721 |
| Retained earnings to average equity (ytd only) | 10.2214% | 1,644 |
| Net charge-offs to loans | 0.0068% | 1,699 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 300.3333% | 366 |
| Efficiency ratio | 65.4127% | 2,283 |
| Assets per employee ($millions) | 5.6485% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 1,586 |
| Loan loss allowance to noncurrent loans | 129.6989% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 571 |
| Noncurrent loans to loans | 1.0862% | 656 |
| Net loans and leases to total assets | 75.4900% | 1,021 |
| Net loans and leases to deposits | 94.5281% | 754 |
| Net loans and leases to core deposits | 103.7482% | 933 |
| Total domestic deposits to total assets | 79.8600% | 3,779 |
| Equity capital to assets | 10.2120% | 1,717 |
| Core capital (leverage) ratio | 11.4285% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9100% | 1,999 |
| Memoranda: | ||
| Average total assets | $226,843,500 | 2,858 |
| Average earning assets | $207,234,000 | 2,885 |
| Average equity | $23,441,000 | 2,626 |
| Average total loans | $176,052,500 | 2,500 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 364 |
| Cost of funding earning assets | 0.4963% | 1,415 |
| Net interest margin | 4.4042% | 349 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.0089% | 957 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0610% | 2,330 |
| Return on assets (ROA) | 1.0610% | 2,274 |
| Pretax return on assets | 1.3986% | 1,775 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 10.2922% | 1,069 |
| Net charge-offs to loans | 0.0326% | 1,420 |
| Credit loss provision to net charge-offs | 470.5882% | 708 |
| Earnings coverage of net charge-offs (x) | 62.0588% | 1,229 |
| Efficiency ratio | 66.5363% | 2,143 |
| Assets per employee ($millions) | 5.0477% | 3,642 |
| Cash dividends to net income (ytd only)* | 5.4078% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,346 |
| Loan loss allowance to noncurrent loans | 115.5446% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.8226% | 571 |
| Noncurrent loans to loans | 1.0453% | 694 |
| Net loans and leases to total assets | 77.7500% | 822 |
| Net loans and leases to deposits | 91.6897% | 928 |
| Net loans and leases to core deposits | 97.1049% | 1,147 |
| Total domestic deposits to total assets | 84.7900% | 3,045 |
| Equity capital to assets | 10.4603% | 1,465 |
| Core capital (leverage) ratio | 11.0336% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1099% | 1,934 |
| Memoranda: | ||
| Average total assets | $209,144,000 | 2,983 |
| Average earning assets | $190,021,200 | 3,001 |
| Average equity | $20,394,000 | 2,919 |
| Average total loans | $156,632,400 | 2,568 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 347 |
| Cost of funding earning assets | 0.4120% | 1,214 |
| Net interest margin | 4.2997% | 335 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.0427% | 860 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9519% | 2,662 |
| Return on assets (ROA) | 0.9519% | 2,630 |
| Pretax return on assets | 1.2465% | 2,217 |
| Return on Equity (ROE) | 9.9600% | 2,735 |
| Retained earnings to average equity (ytd only) | 9.1440% | 1,604 |
| Net charge-offs to loans | 0.0175% | 1,491 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 105.2500% | 926 |
| Efficiency ratio | 69.0623% | 1,880 |
| Assets per employee ($millions) | 5.3938% | 3,332 |
| Cash dividends to net income (ytd only)* | 8.1633% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 2,884 |
| Loan loss allowance to noncurrent loans | 121.2580% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 664 |
| Noncurrent loans to loans | 0.9316% | 837 |
| Net loans and leases to total assets | 80.4400% | 496 |
| Net loans and leases to deposits | 98.1504% | 452 |
| Net loans and leases to core deposits | 103.7644% | 661 |
| Total domestic deposits to total assets | 81.9600% | 3,846 |
| Equity capital to assets | 9.8221% | 1,709 |
| Core capital (leverage) ratio | 10.9837% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0373% | 2,460 |
| Memoranda: | ||
| Average total assets | $205,905,750 | 3,026 |
| Average earning assets | $187,045,750 | 3,042 |
| Average equity | $19,684,500 | 3,020 |
| Average total loans | $152,095,000 | 2,616 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 362 |
| Cost of funding earning assets | 0.3587% | 1,199 |
| Net interest margin | 4.1654% | 357 |
| Noninterest income to average assets | 0.5487% | 1,956 |
| Noninterest expense to average assets | 3.1001% | 731 |
| Loan and lease loss provision to assets | 0.1206% | 825 |
| Net operating income to assets | 0.8552% | 2,754 |
| Return on assets (ROA) | 0.8552% | 2,731 |
| Pretax return on assets | 1.1084% | 2,376 |
| Return on Equity (ROE) | 9.0392% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.7646% | 1,707 |
| Net charge-offs to loans | 0.0113% | 1,564 |
| Credit loss provision to net charge-offs | 1,500.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 152.8750% | 633 |
| Efficiency ratio | 71.6110% | 1,763 |
| Assets per employee ($millions) | 5.0129% | 3,665 |
| Cash dividends to net income (ytd only)* | 14.1011% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,227 |
| Loan loss allowance to noncurrent loans | 113.1257% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 560 |
| Noncurrent loans to loans | 1.1418% | 711 |
| Net loans and leases to total assets | 77.5195% | 591 |
| Net loans and leases to deposits | 91.3348% | 643 |
| Net loans and leases to core deposits | 98.4352% | 742 |
| Total domestic deposits to total assets | 84.8740% | 3,506 |
| Equity capital to assets | 9.8905% | 1,775 |
| Core capital (leverage) ratio | 10.6001% | 1,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2595% | 2,390 |
| Memoranda: | ||
| Average total assets | $199,027,667 | 3,102 |
| Average earning assets | $180,633,000 | 3,130 |
| Average equity | $18,829,000 | 3,161 |
| Average total loans | $141,355,333 | 2,739 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 536 |
| Cost of funding earning assets | 0.3333% | 1,340 |
| Net interest margin | 3.8529% | 565 |
| Noninterest income to average assets | 0.5306% | 1,993 |
| Noninterest expense to average assets | 3.1914% | 610 |
| Loan and lease loss provision to assets | 0.1210% | 689 |
| Net operating income to assets | 0.5770% | 3,477 |
| Return on assets (ROA) | 0.5770% | 3,452 |
| Pretax return on assets | 0.7161% | 3,346 |
| Return on Equity (ROE) | 6.2420% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.2420% | 2,161 |
| Net charge-offs to loans | -0.0030% | 3,184 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2188% | 1,209 |
| Assets per employee ($millions) | 5.0679% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,608 |
| Loan loss allowance to noncurrent loans | 91.1724% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 430 |
| Noncurrent loans to loans | 1.6268% | 492 |
| Net loans and leases to total assets | 66.6400% | 1,347 |
| Net loans and leases to deposits | 77.8923% | 1,296 |
| Net loans and leases to core deposits | 85.9414% | 1,134 |
| Total domestic deposits to total assets | 85.5540% | 3,403 |
| Equity capital to assets | 9.1906% | 2,532 |
| Core capital (leverage) ratio | 9.3993% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2663% | 2,497 |
| Memoranda: | ||
| Average total assets | $198,283,500 | 3,117 |
| Average earning assets | $180,019,500 | 3,143 |
| Average equity | $18,327,500 | 3,295 |
| Average total loans | $133,296,500 | 2,816 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 525 |
| Cost of funding earning assets | 0.4462% | 1,231 |
| Net interest margin | 4.1315% | 560 |
| Noninterest income to average assets | 0.5320% | 2,429 |
| Noninterest expense to average assets | 2.9398% | 1,079 |
| Loan and lease loss provision to assets | 0.1243% | 985 |
| Net operating income to assets | 0.9525% | 2,858 |
| Return on assets (ROA) | 0.9525% | 2,931 |
| Pretax return on assets | 1.2266% | 2,580 |
| Return on Equity (ROE) | 9.8282% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.3070% | 1,808 |
| Net charge-offs to loans | 0.2232% | 417 |
| Credit loss provision to net charge-offs | 79.0378% | 1,958 |
| Earnings coverage of net charge-offs (x) | 8.5876% | 2,293 |
| Efficiency ratio | 68.5146% | 1,920 |
| Assets per employee ($millions) | 5.1005% | 3,644 |
| Cash dividends to net income (ytd only)* | 25.6527% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,742 |
| Loan loss allowance to noncurrent loans | 91.2631% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 503 |
| Noncurrent loans to loans | 1.5847% | 558 |
| Net loans and leases to total assets | 65.8436% | 1,485 |
| Net loans and leases to deposits | 76.9944% | 1,487 |
| Net loans and leases to core deposits | 85.0731% | 1,254 |
| Total domestic deposits to total assets | 85.5173% | 3,084 |
| Equity capital to assets | 9.2952% | 3,325 |
| Core capital (leverage) ratio | 9.4975% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4663% | 2,465 |
| Memoranda: | ||
| Average total assets | $184,978,400 | 3,168 |
| Average earning assets | $168,293,000 | 3,203 |
| Average equity | $17,928,000 | 3,393 |
| Average total loans | $130,390,600 | 2,849 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 598 |
| Cost of funding earning assets | 0.4727% | 1,200 |
| Net interest margin | 4.0950% | 664 |
| Noninterest income to average assets | 0.5091% | 2,581 |
| Noninterest expense to average assets | 2.9150% | 1,103 |
| Loan and lease loss provision to assets | 0.1322% | 870 |
| Net operating income to assets | 0.9176% | 3,189 |
| Return on assets (ROA) | 0.9176% | 3,260 |
| Pretax return on assets | 1.1908% | 2,962 |
| Return on Equity (ROE) | 9.3621% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.6126% | 1,830 |
| Net charge-offs to loans | 0.3031% | 256 |
| Credit loss provision to net charge-offs | 61.0169% | 1,799 |
| Earnings coverage of net charge-offs (x) | 6.1051% | 2,193 |
| Efficiency ratio | 68.7814% | 1,731 |
| Assets per employee ($millions) | 5.0357% | 3,665 |
| Cash dividends to net income (ytd only)* | 8.0064% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,541 |
| Loan loss allowance to noncurrent loans | 79.6249% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 460 |
| Noncurrent loans to loans | 1.6207% | 632 |
| Net loans and leases to total assets | 76.6863% | 494 |
| Net loans and leases to deposits | 90.6853% | 568 |
| Net loans and leases to core deposits | 98.3284% | 647 |
| Total domestic deposits to total assets | 84.5631% | 3,274 |
| Equity capital to assets | 9.8583% | 3,040 |
| Core capital (leverage) ratio | 9.9441% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8586% | 2,753 |
| Memoranda: | ||
| Average total assets | $181,493,000 | 3,229 |
| Average earning assets | $165,272,000 | 3,261 |
| Average equity | $17,787,500 | 3,446 |
| Average total loans | $129,763,750 | 2,894 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 864 |
| Cost of funding earning assets | 0.4959% | 1,226 |
| Net interest margin | 3.8927% | 984 |
| Noninterest income to average assets | 0.5537% | 2,391 |
| Noninterest expense to average assets | 2.8474% | 1,260 |
| Loan and lease loss provision to assets | 0.1334% | 925 |
| Net operating income to assets | 0.8750% | 3,287 |
| Return on assets (ROA) | 0.8750% | 3,366 |
| Pretax return on assets | 1.1252% | 3,131 |
| Return on Equity (ROE) | 8.9462% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.8095% | 2,147 |
| Net charge-offs to loans | 0.3318% | 261 |
| Credit loss provision to net charge-offs | 57.9710% | 1,569 |
| Earnings coverage of net charge-offs (x) | 5.4686% | 1,993 |
| Efficiency ratio | 69.3474% | 1,722 |
| Assets per employee ($millions) | 5.1932% | 3,461 |
| Cash dividends to net income (ytd only)* | 12.7065% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,848 |
| Loan loss allowance to noncurrent loans | 169.7404% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 1,358 |
| Noncurrent loans to loans | 0.8433% | 1,459 |
| Net loans and leases to total assets | 71.8262% | 990 |
| Net loans and leases to deposits | 85.0862% | 979 |
| Net loans and leases to core deposits | 92.3157% | 988 |
| Total domestic deposits to total assets | 84.4158% | 3,304 |
| Equity capital to assets | 9.8530% | 3,004 |
| Core capital (leverage) ratio | 9.8019% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6362% | 2,502 |
| Memoranda: | ||
| Average total assets | $179,884,000 | 3,251 |
| Average earning assets | $164,153,667 | 3,271 |
| Average equity | $17,594,000 | 3,466 |
| Average total loans | $124,768,333 | 2,961 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 748 |
| Cost of funding earning assets | 0.5119% | 1,320 |
| Net interest margin | 4.0141% | 826 |
| Noninterest income to average assets | 0.5745% | 2,312 |
| Noninterest expense to average assets | 2.8657% | 1,223 |
| Loan and lease loss provision to assets | 0.1341% | 1,009 |
| Net operating income to assets | 0.9612% | 2,925 |
| Return on assets (ROA) | 0.9612% | 3,022 |
| Pretax return on assets | 1.2384% | 2,738 |
| Return on Equity (ROE) | 9.8644% | 2,742 |
| Retained earnings to average equity (ytd only) | 9.8644% | 1,692 |
| Net charge-offs to loans | 0.0463% | 1,022 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 950 |
| Efficiency ratio | 67.6160% | 1,992 |
| Assets per employee ($millions) | 5.3914% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 1,032 |
| Loan loss allowance to noncurrent loans | 480.8057% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,956 |
| Noncurrent loans to loans | 0.3550% | 2,807 |
| Net loans and leases to total assets | 65.6806% | 1,833 |
| Net loans and leases to deposits | 78.0149% | 1,713 |
| Net loans and leases to core deposits | 84.2152% | 1,660 |
| Total domestic deposits to total assets | 84.1898% | 3,374 |
| Equity capital to assets | 9.8658% | 2,830 |
| Core capital (leverage) ratio | 9.9633% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0282% | 2,284 |
| Memoranda: | ||
| Average total assets | $178,945,500 | 3,254 |
| Average earning assets | $163,326,000 | 3,277 |
| Average equity | $17,436,500 | 3,474 |
| Average total loans | $120,928,500 | 3,008 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 434 |
| Cost of funding earning assets | 0.6994% | 1,719 |
| Net interest margin | 4.3664% | 438 |
| Noninterest income to average assets | 0.5310% | 2,507 |
| Noninterest expense to average assets | 3.1256% | 1,185 |
| Loan and lease loss provision to assets | 0.1422% | 2,579 |
| Net operating income to assets | 0.9541% | 2,461 |
| Return on assets (ROA) | 0.9630% | 2,576 |
| Pretax return on assets | 1.2410% | 2,189 |
| Return on Equity (ROE) | 9.8995% | 2,041 |
| Retained earnings to average equity (ytd only) | 4.4167% | 2,583 |
| Net charge-offs to loans | 0.0520% | 2,048 |
| Credit loss provision to net charge-offs | 369.2308% | 1,527 |
| Earnings coverage of net charge-offs (x) | 35.6154% | 1,477 |
| Efficiency ratio | 69.4953% | 2,018 |
| Assets per employee ($millions) | 5.2934% | 3,054 |
| Cash dividends to net income (ytd only)* | 55.3846% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,262 |
| Loan loss allowance to noncurrent loans | 499.4962% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,186 |
| Noncurrent loans to loans | 0.3228% | 3,048 |
| Net loans and leases to total assets | 67.2253% | 1,928 |
| Net loans and leases to deposits | 79.5137% | 1,925 |
| Net loans and leases to core deposits | 85.4942% | 1,909 |
| Total domestic deposits to total assets | 84.5455% | 2,934 |
| Equity capital to assets | 9.6236% | 3,482 |
| Core capital (leverage) ratio | 9.7143% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9385% | 2,259 |
| Memoranda: | ||
| Average total assets | $168,737,200 | 3,204 |
| Average earning assets | $153,284,200 | 3,234 |
| Average equity | $16,415,000 | 3,510 |
| Average total loans | $124,956,400 | 2,922 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 516 |
| Cost of funding earning assets | 0.7363% | 1,824 |
| Net interest margin | 4.3507% | 524 |
| Noninterest income to average assets | 0.5046% | 2,602 |
| Noninterest expense to average assets | 3.1185% | 1,204 |
| Loan and lease loss provision to assets | 0.1446% | 2,574 |
| Net operating income to assets | 0.9088% | 2,657 |
| Return on assets (ROA) | 0.9088% | 2,792 |
| Pretax return on assets | 1.1917% | 2,416 |
| Return on Equity (ROE) | 9.3149% | 2,275 |
| Retained earnings to average equity (ytd only) | 6.0205% | 2,098 |
| Net charge-offs to loans | 0.0138% | 2,625 |
| Credit loss provision to net charge-offs | 1,384.6154% | 657 |
| Earnings coverage of net charge-offs (x) | 127.9231% | 667 |
| Efficiency ratio | 70.0036% | 1,888 |
| Assets per employee ($millions) | 5.6253% | 2,604 |
| Cash dividends to net income (ytd only)* | 35.3669% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,660 |
| Loan loss allowance to noncurrent loans | 110.3352% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 1,123 |
| Noncurrent loans to loans | 1.2848% | 1,158 |
| Net loans and leases to total assets | 76.2995% | 1,054 |
| Net loans and leases to deposits | 90.4538% | 1,226 |
| Net loans and leases to core deposits | 96.5722% | 1,409 |
| Total domestic deposits to total assets | 84.3519% | 2,693 |
| Equity capital to assets | 9.6367% | 3,565 |
| Core capital (leverage) ratio | 9.7768% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6973% | 2,725 |
| Memoranda: | ||
| Average total assets | $165,928,000 | 3,208 |
| Average earning assets | $150,653,250 | 3,237 |
| Average equity | $16,188,750 | 3,532 |
| Average total loans | $125,452,750 | 2,921 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 662 |
| Cost of funding earning assets | 0.7778% | 1,948 |
| Net interest margin | 4.3445% | 683 |
| Noninterest income to average assets | 0.5582% | 2,313 |
| Noninterest expense to average assets | 3.2239% | 1,114 |
| Loan and lease loss provision to assets | 0.1489% | 2,518 |
| Net operating income to assets | 0.8695% | 2,807 |
| Return on assets (ROA) | 0.8695% | 2,928 |
| Pretax return on assets | 1.1139% | 2,671 |
| Return on Equity (ROE) | 8.8719% | 2,411 |
| Retained earnings to average equity (ytd only) | 3.8095% | 3,008 |
| Net charge-offs to loans | 0.0232% | 2,254 |
| Credit loss provision to net charge-offs | 857.1429% | 872 |
| Earnings coverage of net charge-offs (x) | 72.7143% | 861 |
| Efficiency ratio | 71.8551% | 1,702 |
| Assets per employee ($millions) | 5.3261% | 2,806 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 1,395 |
| Loan loss allowance to noncurrent loans | 123.6434% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 1,398 |
| Noncurrent loans to loans | 1.1755% | 1,331 |
| Net loans and leases to total assets | 73.8349% | 1,434 |
| Net loans and leases to deposits | 92.1539% | 1,142 |
| Net loans and leases to core deposits | 101.3464% | 1,163 |
| Total domestic deposits to total assets | 80.1213% | 3,809 |
| Equity capital to assets | 9.6284% | 3,542 |
| Core capital (leverage) ratio | 9.5176% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8014% | 2,689 |
| Memoranda: | ||
| Average total assets | $161,234,333 | 3,235 |
| Average earning assets | $145,792,667 | 3,268 |
| Average equity | $15,802,667 | 3,570 |
| Average total loans | $120,830,000 | 2,970 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 690 |
| Cost of funding earning assets | 0.8377% | 2,185 |
| Net interest margin | 4.3385% | 705 |
| Noninterest income to average assets | 0.6755% | 1,750 |
| Noninterest expense to average assets | 3.2552% | 1,303 |
| Loan and lease loss provision to assets | 0.1559% | 1,842 |
| Net operating income to assets | 0.9119% | 2,483 |
| Return on assets (ROA) | 0.9119% | 2,591 |
| Pretax return on assets | 1.1665% | 2,317 |
| Return on Equity (ROE) | 9.2111% | 2,023 |
| Retained earnings to average equity (ytd only) | -1.2859% | 4,174 |
| Net charge-offs to loans | 0.0728% | 1,297 |
| Credit loss provision to net charge-offs | 285.7143% | 1,211 |
| Earnings coverage of net charge-offs (x) | 24.2381% | 1,305 |
| Efficiency ratio | 71.1124% | 2,200 |
| Assets per employee ($millions) | 4.5801% | 3,155 |
| Cash dividends to net income (ytd only)* | 113.9601% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 983 |
| Loan loss allowance to noncurrent loans | 99.1944% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2079% | 1,026 |
| Noncurrent loans to loans | 1.6505% | 932 |
| Net loans and leases to total assets | 71.2603% | 2,044 |
| Net loans and leases to deposits | 83.7570% | 2,262 |
| Net loans and leases to core deposits | 92.4687% | 2,113 |
| Total domestic deposits to total assets | 85.0798% | 2,386 |
| Equity capital to assets | 9.9016% | 3,881 |
| Core capital (leverage) ratio | 10.6445% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6701% | 2,409 |
| Memoranda: | ||
| Average total assets | $153,971,000 | 3,276 |
| Average earning assets | $138,481,000 | 3,330 |
| Average equity | $15,242,500 | 3,637 |
| Average total loans | $115,401,500 | 3,007 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5524% | 510 |
| Cost of funding earning assets | 0.9574% | 1,920 |
| Net interest margin | 4.5950% | 579 |
| Noninterest income to average assets | 0.6309% | 2,090 |
| Noninterest expense to average assets | 3.5162% | 946 |
| Loan and lease loss provision to assets | 0.1639% | 1,272 |
| Net operating income to assets | 0.8601% | 3,356 |
| Return on assets (ROA) | 0.8596% | 3,449 |
| Pretax return on assets | 1.0890% | 3,197 |
| Return on Equity (ROE) | 9.1062% | 2,704 |
| Retained earnings to average equity (ytd only) | 6.9363% | 1,416 |
| Net charge-offs to loans | 0.0755% | 2,014 |
| Credit loss provision to net charge-offs | 275.8621% | 1,021 |
| Earnings coverage of net charge-offs (x) | 21.1034% | 1,902 |
| Efficiency ratio | 73.7189% | 1,636 |
| Assets per employee ($millions) | 4.3491% | 3,437 |
| Cash dividends to net income (ytd only)* | 23.8284% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,134 |
| Loan loss allowance to noncurrent loans | 100.9492% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 1,009 |
| Noncurrent loans to loans | 1.5180% | 945 |
| Net loans and leases to total assets | 76.3237% | 1,358 |
| Net loans and leases to deposits | 85.1872% | 2,187 |
| Net loans and leases to core deposits | 93.8131% | 2,082 |
| Total domestic deposits to total assets | 89.5953% | 462 |
| Equity capital to assets | 9.8975% | 4,012 |
| Core capital (leverage) ratio | 9.6814% | 3,872 |
| Tier 1 risk-based capital ratio | 11.7710% | 4,484 |
| Total risk-based capital ratio | 13.0231% | 4,359 |
| Memoranda: | ||
| Average total assets | $146,463,800 | 3,339 |
| Average earning assets | $131,925,000 | 3,392 |
| Average equity | $13,825,800 | 3,776 |
| Average total loans | $115,288,400 | 3,001 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 659 |
| Cost of funding earning assets | 0.9360% | 2,057 |
| Net interest margin | 4.4953% | 778 |
| Noninterest income to average assets | 0.5764% | 2,327 |
| Noninterest expense to average assets | 3.4504% | 1,009 |
| Loan and lease loss provision to assets | 0.1655% | 1,128 |
| Net operating income to assets | 0.7877% | 3,710 |
| Return on assets (ROA) | 0.7870% | 3,782 |
| Pretax return on assets | 1.0085% | 3,570 |
| Return on Equity (ROE) | 8.4442% | 3,138 |
| Retained earnings to average equity (ytd only) | 5.4848% | 2,630 |
| Net charge-offs to loans | 0.0896% | 1,572 |
| Credit loss provision to net charge-offs | 233.7662% | 1,153 |
| Earnings coverage of net charge-offs (x) | 16.5981% | 2,135 |
| Efficiency ratio | 74.5975% | 1,479 |
| Assets per employee ($millions) | 4.7229% | 2,884 |
| Cash dividends to net income (ytd only)* | 35.0469% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,775 |
| Loan loss allowance to noncurrent loans | 150.5137% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 1,881 |
| Noncurrent loans to loans | 0.8959% | 1,785 |
| Net loans and leases to total assets | 80.0975% | 832 |
| Net loans and leases to deposits | 97.0849% | 905 |
| Net loans and leases to core deposits | 106.8442% | 1,122 |
| Total domestic deposits to total assets | 82.5026% | 3,314 |
| Equity capital to assets | 8.6606% | 4,943 |
| Core capital (leverage) ratio | 8.8737% | 4,728 |
| Tier 1 risk-based capital ratio | 10.1507% | 5,165 |
| Total risk-based capital ratio | 11.4011% | 5,093 |
| Memoranda: | ||
| Average total assets | $145,024,750 | 3,397 |
| Average earning assets | $130,623,000 | 3,449 |
| Average equity | $13,515,750 | 3,854 |
| Average total loans | $114,613,500 | 3,048 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 823 |
| Cost of funding earning assets | 0.8591% | 2,359 |
| Net interest margin | 4.4353% | 878 |
| Noninterest income to average assets | 0.5792% | 2,250 |
| Noninterest expense to average assets | 3.5884% | 862 |
| Loan and lease loss provision to assets | 0.1716% | 1,061 |
| Net operating income to assets | 0.6493% | 4,169 |
| Return on assets (ROA) | 0.6493% | 4,217 |
| Pretax return on assets | 0.8066% | 4,071 |
| Return on Equity (ROE) | 6.7835% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.3010% | 4,014 |
| Net charge-offs to loans | 0.0567% | 1,832 |
| Credit loss provision to net charge-offs | 387.0968% | 740 |
| Earnings coverage of net charge-offs (x) | 22.0645% | 1,709 |
| Efficiency ratio | 78.5781% | 1,087 |
| Assets per employee ($millions) | 4.2418% | 3,507 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,325 |
| Loan loss allowance to noncurrent loans | 130.5389% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 1,543 |
| Noncurrent loans to loans | 1.1370% | 1,431 |
| Net loans and leases to total assets | 77.9708% | 1,224 |
| Net loans and leases to deposits | 87.4562% | 2,064 |
| Net loans and leases to core deposits | 96.4593% | 2,023 |
| Total domestic deposits to total assets | 89.1541% | 604 |
| Equity capital to assets | 9.0683% | 4,760 |
| Core capital (leverage) ratio | 9.5210% | 4,122 |
| Tier 1 risk-based capital ratio | 10.4702% | 5,115 |
| Total risk-based capital ratio | 11.7214% | 5,033 |
| Memoranda: | ||
| Average total assets | $139,840,330 | 3,495 |
| Average earning assets | $125,719,330 | 3,538 |
| Average equity | $13,385,330 | 3,873 |
| Average total loans | $109,359,000 | 3,146 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 925 |
| Cost of funding earning assets | 0.8175% | 2,438 |
| Net interest margin | 4.3741% | 957 |
| Noninterest income to average assets | 0.5549% | 2,261 |
| Noninterest expense to average assets | 3.4561% | 1,030 |
| Loan and lease loss provision to assets | 0.1771% | 946 |
| Net operating income to assets | 0.6877% | 3,979 |
| Return on assets (ROA) | 0.6877% | 4,018 |
| Pretax return on assets | 0.8382% | 3,949 |
| Return on Equity (ROE) | 6.9831% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.9831% | 2,052 |
| Net charge-offs to loans | 0.0418% | 1,675 |
| Credit loss provision to net charge-offs | 545.4545% | 582 |
| Earnings coverage of net charge-offs (x) | 31.2727% | 1,309 |
| Efficiency ratio | 77.2937% | 1,349 |
| Assets per employee ($millions) | 3.7525% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 999 |
| Loan loss allowance to noncurrent loans | 91.1230% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4238% | 864 |
| Noncurrent loans to loans | 1.7953% | 861 |
| Net loans and leases to total assets | 78.0111% | 1,144 |
| Net loans and leases to deposits | 87.6302% | 1,917 |
| Net loans and leases to core deposits | 98.4378% | 1,746 |
| Total domestic deposits to total assets | 89.0231% | 847 |
| Equity capital to assets | 10.2650% | 3,559 |
| Core capital (leverage) ratio | 10.0911% | 3,499 |
| Tier 1 risk-based capital ratio | 11.6322% | 4,668 |
| Total risk-based capital ratio | 12.8851% | 4,545 |
| Memoranda: | ||
| Average total assets | $135,529,500 | 3,588 |
| Average earning assets | $121,350,500 | 3,641 |
| Average equity | $13,346,500 | 3,897 |
| Average total loans | $105,288,000 | 3,234 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 693 |
| Cost of funding earning assets | 0.6961% | 2,115 |
| Net interest margin | 4.5095% | 747 |
| Noninterest income to average assets | 0.7149% | 1,788 |
| Noninterest expense to average assets | 3.4010% | 1,149 |
| Loan and lease loss provision to assets | 0.1735% | 1,148 |
| Net operating income to assets | 0.8963% | 3,451 |
| Return on assets (ROA) | 0.8963% | 3,443 |
| Pretax return on assets | 1.1818% | 2,954 |
| Return on Equity (ROE) | 9.3763% | 2,797 |
| Retained earnings to average equity (ytd only) | 2.5709% | 4,112 |
| Net charge-offs to loans | 0.0577% | 2,313 |
| Credit loss provision to net charge-offs | 387.0968% | 848 |
| Earnings coverage of net charge-offs (x) | 30.2419% | 1,592 |
| Efficiency ratio | 71.5046% | 1,968 |
| Assets per employee ($millions) | 3.9920% | 3,900 |
| Cash dividends to net income (ytd only)* | 72.5806% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,130 |
| Loan loss allowance to noncurrent loans | 176.6275% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,050 |
| Noncurrent loans to loans | 0.8805% | 1,829 |
| Net loans and leases to total assets | 74.9771% | 1,778 |
| Net loans and leases to deposits | 83.4346% | 2,575 |
| Net loans and leases to core deposits | 92.3833% | 2,378 |
| Total domestic deposits to total assets | 89.8633% | 521 |
| Equity capital to assets | 9.4553% | 4,166 |
| Core capital (leverage) ratio | 9.1706% | 4,484 |
| Tier 1 risk-based capital ratio | 11.3747% | 4,782 |
| Total risk-based capital ratio | 12.6265% | 4,685 |
| Memoranda: | ||
| Average total assets | $138,343,200 | 3,530 |
| Average earning assets | $123,982,000 | 3,588 |
| Average equity | $13,224,800 | 3,852 |
| Average total loans | $107,484,200 | 3,181 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 790 |
| Cost of funding earning assets | 0.6021% | 2,461 |
| Net interest margin | 4.4809% | 769 |
| Noninterest income to average assets | 0.6763% | 1,952 |
| Noninterest expense to average assets | 3.3207% | 1,260 |
| Loan and lease loss provision to assets | 0.1739% | 1,062 |
| Net operating income to assets | 0.9497% | 3,307 |
| Return on assets (ROA) | 0.9497% | 3,320 |
| Pretax return on assets | 1.2009% | 2,976 |
| Return on Equity (ROE) | 9.9078% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.3960% | 1,472 |
| Net charge-offs to loans | 0.0557% | 2,023 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 31.6215% | 1,563 |
| Efficiency ratio | 70.7202% | 2,085 |
| Assets per employee ($millions) | 4.4824% | 3,150 |
| Cash dividends to net income (ytd only)* | 15.2598% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,854 |
| Loan loss allowance to noncurrent loans | 181.5315% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 2,431 |
| Noncurrent loans to loans | 0.7479% | 2,219 |
| Net loans and leases to total assets | 76.8508% | 1,523 |
| Net loans and leases to deposits | 101.2413% | 688 |
| Net loans and leases to core deposits | 113.1088% | 863 |
| Total domestic deposits to total assets | 75.9086% | 4,797 |
| Equity capital to assets | 8.9801% | 4,565 |
| Core capital (leverage) ratio | 9.3886% | 4,290 |
| Tier 1 risk-based capital ratio | 10.6489% | 5,193 |
| Total risk-based capital ratio | 11.8948% | 5,107 |
| Memoranda: | ||
| Average total assets | $137,999,000 | 3,570 |
| Average earning assets | $123,781,000 | 3,625 |
| Average equity | $13,228,250 | 3,883 |
| Average total loans | $107,752,000 | 3,197 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 820 |
| Cost of funding earning assets | 0.5190% | 2,853 |
| Net interest margin | 4.4815% | 722 |
| Noninterest income to average assets | 0.7057% | 1,851 |
| Noninterest expense to average assets | 3.4730% | 1,034 |
| Loan and lease loss provision to assets | 0.1802% | 999 |
| Net operating income to assets | 0.8439% | 3,705 |
| Return on assets (ROA) | 0.8439% | 3,705 |
| Pretax return on assets | 1.0586% | 3,481 |
| Return on Equity (ROE) | 8.5961% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.3018% | 2,413 |
| Net charge-offs to loans | 0.0538% | 1,837 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 29.4643% | 1,520 |
| Efficiency ratio | 73.7094% | 1,746 |
| Assets per employee ($millions) | 4.0236% | 3,857 |
| Cash dividends to net income (ytd only)* | 26.6904% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 1,659 |
| Loan loss allowance to noncurrent loans | 230.0587% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 2,766 |
| Noncurrent loans to loans | 0.6201% | 2,559 |
| Net loans and leases to total assets | 79.2423% | 1,122 |
| Net loans and leases to deposits | 91.4316% | 1,658 |
| Net loans and leases to core deposits | 102.6116% | 1,517 |
| Total domestic deposits to total assets | 86.6683% | 1,987 |
| Equity capital to assets | 9.7118% | 3,906 |
| Core capital (leverage) ratio | 9.9347% | 3,656 |
| Tier 1 risk-based capital ratio | 11.1113% | 4,996 |
| Total risk-based capital ratio | 12.3617% | 4,893 |
| Memoranda: | ||
| Average total assets | $133,197,670 | 3,658 |
| Average earning assets | $119,067,670 | 3,728 |
| Average equity | $13,075,670 | 3,923 |
| Average total loans | $104,091,000 | 3,262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 841 |
| Cost of funding earning assets | 0.4403% | 3,281 |
| Net interest margin | 4.4780% | 648 |
| Noninterest income to average assets | 0.7671% | 1,552 |
| Noninterest expense to average assets | 3.4035% | 1,159 |
| Loan and lease loss provision to assets | 0.1827% | 935 |
| Net operating income to assets | 0.9376% | 3,121 |
| Return on assets (ROA) | 0.9376% | 3,138 |
| Pretax return on assets | 1.1751% | 2,869 |
| Return on Equity (ROE) | 9.4985% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.8726% | 3,235 |
| Net charge-offs to loans | 0.0791% | 1,338 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 1,402 |
| Efficiency ratio | 71.4834% | 2,266 |
| Assets per employee ($millions) | 3.8187% | 4,262 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,497 |
| Loan loss allowance to noncurrent loans | 296.8689% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,262 |
| Noncurrent loans to loans | 0.5017% | 3,009 |
| Net loans and leases to total assets | 77.2750% | 1,347 |
| Net loans and leases to deposits | 86.5892% | 2,090 |
| Net loans and leases to core deposits | 97.3142% | 1,880 |
| Total domestic deposits to total assets | 89.2433% | 989 |
| Equity capital to assets | 10.0297% | 3,565 |
| Core capital (leverage) ratio | 9.8946% | 3,655 |
| Tier 1 risk-based capital ratio | 11.4508% | 4,883 |
| Total risk-based capital ratio | 12.7013% | 4,781 |
| Memoranda: | ||
| Average total assets | $131,395,500 | 3,728 |
| Average earning assets | $117,195,000 | 3,798 |
| Average equity | $12,970,500 | 3,973 |
| Average total loans | $101,149,500 | 3,339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 844 |
| Cost of funding earning assets | 0.4313% | 2,949 |
| Net interest margin | 4.4441% | 692 |
| Noninterest income to average assets | 0.7331% | 1,830 |
| Noninterest expense to average assets | 3.4318% | 1,150 |
| Loan and lease loss provision to assets | 0.3464% | 458 |
| Net operating income to assets | 0.6760% | 3,701 |
| Return on assets (ROA) | 0.6760% | 3,753 |
| Pretax return on assets | 0.9554% | 3,716 |
| Return on Equity (ROE) | 6.8393% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.2181% | 3,994 |
| Net charge-offs to loans | 0.1154% | 1,895 |
| Credit loss provision to net charge-offs | 395.6522% | 766 |
| Earnings coverage of net charge-offs (x) | 14.8696% | 2,291 |
| Efficiency ratio | 72.4992% | 2,148 |
| Assets per employee ($millions) | 3.9105% | 4,108 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,509 |
| Loan loss allowance to noncurrent loans | 341.1085% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,574 |
| Noncurrent loans to loans | 0.4311% | 3,245 |
| Net loans and leases to total assets | 74.4419% | 1,848 |
| Net loans and leases to deposits | 83.0620% | 2,598 |
| Net loans and leases to core deposits | 94.0755% | 2,187 |
| Total domestic deposits to total assets | 89.6221% | 722 |
| Equity capital to assets | 9.7167% | 4,010 |
| Core capital (leverage) ratio | 9.3984% | 4,161 |
| Tier 1 risk-based capital ratio | 11.6825% | 4,734 |
| Total risk-based capital ratio | 12.9333% | 4,616 |
| Memoranda: | ||
| Average total assets | $131,360,800 | 3,725 |
| Average earning assets | $118,245,800 | 3,779 |
| Average equity | $12,983,800 | 3,987 |
| Average total loans | $99,627,200 | 3,357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 923 |
| Cost of funding earning assets | 0.4158% | 3,033 |
| Net interest margin | 4.3881% | 743 |
| Noninterest income to average assets | 0.7025% | 1,990 |
| Noninterest expense to average assets | 3.3037% | 1,336 |
| Loan and lease loss provision to assets | 0.2596% | 650 |
| Net operating income to assets | 0.7676% | 3,657 |
| Return on assets (ROA) | 0.7676% | 3,711 |
| Pretax return on assets | 1.1036% | 3,287 |
| Return on Equity (ROE) | 7.7332% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.7332% | 1,329 |
| Net charge-offs to loans | 0.1354% | 1,439 |
| Credit loss provision to net charge-offs | 252.4752% | 1,124 |
| Earnings coverage of net charge-offs (x) | 13.2578% | 2,363 |
| Efficiency ratio | 70.7897% | 2,401 |
| Assets per employee ($millions) | 4.0341% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 3,086 |
| Loan loss allowance to noncurrent loans | 140.0217% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 2,424 |
| Noncurrent loans to loans | 0.8357% | 2,272 |
| Net loans and leases to total assets | 79.4939% | 1,055 |
| Net loans and leases to deposits | 98.6938% | 848 |
| Net loans and leases to core deposits | 107.6571% | 1,157 |
| Total domestic deposits to total assets | 80.5459% | 4,193 |
| Equity capital to assets | 9.8061% | 4,138 |
| Core capital (leverage) ratio | 9.8094% | 3,809 |
| Tier 1 risk-based capital ratio | 11.2106% | 5,126 |
| Total risk-based capital ratio | 12.2898% | 5,113 |
| Memoranda: | ||
| Average total assets | $130,962,000 | 3,771 |
| Average earning assets | $118,316,500 | 3,815 |
| Average equity | $13,000,000 | 4,024 |
| Average total loans | $99,421,000 | 3,390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,184 |
| Cost of funding earning assets | 0.3684% | 3,398 |
| Net interest margin | 4.2683% | 941 |
| Noninterest income to average assets | 0.7246% | 1,888 |
| Noninterest expense to average assets | 3.4183% | 1,132 |
| Loan and lease loss provision to assets | 0.3026% | 505 |
| Net operating income to assets | 0.6000% | 4,306 |
| Return on assets (ROA) | 0.5989% | 4,353 |
| Pretax return on assets | 0.8674% | 4,050 |
| Return on Equity (ROE) | 6.0078% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.0078% | 2,110 |
| Net charge-offs to loans | 0.1524% | 1,238 |
| Credit loss provision to net charge-offs | 267.1233% | 1,037 |
| Earnings coverage of net charge-offs (x) | 10.3425% | 2,347 |
| Efficiency ratio | 74.4760% | 1,927 |
| Assets per employee ($millions) | 4.0012% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,905 |
| Loan loss allowance to noncurrent loans | 176.3305% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,964 |
| Noncurrent loans to loans | 0.6912% | 2,689 |
| Net loans and leases to total assets | 77.2778% | 1,353 |
| Net loans and leases to deposits | 91.9409% | 1,500 |
| Net loans and leases to core deposits | 102.1658% | 1,493 |
| Total domestic deposits to total assets | 84.0516% | 3,178 |
| Equity capital to assets | 9.9153% | 4,005 |
| Core capital (leverage) ratio | 10.1394% | 3,350 |
| Tier 1 risk-based capital ratio | 11.2875% | 5,096 |
| Total risk-based capital ratio | 12.3770% | 5,073 |
| Memoranda: | ||
| Average total assets | $128,896,330 | 3,827 |
| Average earning assets | $116,720,330 | 3,867 |
| Average equity | $12,850,000 | 4,057 |
| Average total loans | $95,786,670 | 3,457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,472 |
| Cost of funding earning assets | 0.3499% | 3,533 |
| Net interest margin | 4.1090% | 1,198 |
| Noninterest income to average assets | 0.7571% | 1,721 |
| Noninterest expense to average assets | 3.2264% | 1,534 |
| Loan and lease loss provision to assets | 0.4241% | 259 |
| Net operating income to assets | 0.6000% | 4,164 |
| Return on assets (ROA) | 0.6000% | 4,215 |
| Pretax return on assets | 0.8325% | 3,998 |
| Return on Equity (ROE) | 6.0020% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.0020% | 2,335 |
| Net charge-offs to loans | 0.3260% | 566 |
| Credit loss provision to net charge-offs | 180.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,306 |
| Efficiency ratio | 71.9692% | 2,583 |
| Assets per employee ($millions) | 3.8436% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,589 |
| Loan loss allowance to noncurrent loans | 63.0664% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 1,074 |
| Noncurrent loans to loans | 2.0445% | 863 |
| Net loans and leases to total assets | 72.2481% | 2,041 |
| Net loans and leases to deposits | 84.1349% | 2,268 |
| Net loans and leases to core deposits | 93.4357% | 2,027 |
| Total domestic deposits to total assets | 85.8717% | 2,733 |
| Equity capital to assets | 10.1216% | 3,601 |
| Core capital (leverage) ratio | 10.0483% | 3,433 |
| Tier 1 risk-based capital ratio | 11.7813% | 4,865 |
| Total risk-based capital ratio | 12.8789% | 4,855 |
| Memoranda: | ||
| Average total assets | $127,325,500 | 3,887 |
| Average earning assets | $115,455,000 | 3,924 |
| Average equity | $12,729,000 | 4,106 |
| Average total loans | $92,032,500 | 3,552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,055 |
| Cost of funding earning assets | 0.3202% | 3,845 |
| Net interest margin | 4.3830% | 805 |
| Noninterest income to average assets | 0.8206% | 1,679 |
| Noninterest expense to average assets | 3.5180% | 1,136 |
| Loan and lease loss provision to assets | 0.1477% | 1,686 |
| Net operating income to assets | 0.7884% | 3,359 |
| Return on assets (ROA) | 0.7993% | 3,411 |
| Pretax return on assets | 1.1464% | 2,913 |
| Return on Equity (ROE) | 7.7158% | 3,106 |
| Retained earnings to average equity (ytd only) | 3.7549% | 3,244 |
| Net charge-offs to loans | 0.1606% | 1,678 |
| Credit loss provision to net charge-offs | 125.8741% | 2,125 |
| Earnings coverage of net charge-offs (x) | 10.8951% | 2,590 |
| Efficiency ratio | 73.3447% | 2,370 |
| Assets per employee ($millions) | 3.8731% | 4,186 |
| Cash dividends to net income (ytd only)* | 51.3347% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,844 |
| Loan loss allowance to noncurrent loans | 357.5472% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,314 |
| Noncurrent loans to loans | 0.3486% | 3,881 |
| Net loans and leases to total assets | 70.4881% | 2,406 |
| Net loans and leases to deposits | 81.7853% | 2,695 |
| Net loans and leases to core deposits | 90.4884% | 2,454 |
| Total domestic deposits to total assets | 86.1869% | 2,500 |
| Equity capital to assets | 9.8738% | 3,855 |
| Core capital (leverage) ratio | 9.8109% | 3,729 |
| Tier 1 risk-based capital ratio | 12.0818% | 4,670 |
| Total risk-based capital ratio | 13.1671% | 4,667 |
| Memoranda: | ||
| Average total assets | $121,857,600 | 3,961 |
| Average earning assets | $110,540,400 | 4,000 |
| Average equity | $12,623,400 | 4,149 |
| Average total loans | $89,060,600 | 3,593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6837% | 1,100 |
| Cost of funding earning assets | 0.3064% | 4,025 |
| Net interest margin | 4.3773% | 809 |
| Noninterest income to average assets | 0.8097% | 1,720 |
| Noninterest expense to average assets | 3.4936% | 1,161 |
| Loan and lease loss provision to assets | 0.1495% | 1,565 |
| Net operating income to assets | 0.7718% | 3,501 |
| Return on assets (ROA) | 0.7853% | 3,573 |
| Pretax return on assets | 1.1586% | 3,007 |
| Return on Equity (ROE) | 7.4880% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.4880% | 1,410 |
| Net charge-offs to loans | 0.1551% | 1,449 |
| Credit loss provision to net charge-offs | 131.0680% | 1,964 |
| Earnings coverage of net charge-offs (x) | 11.2913% | 2,498 |
| Efficiency ratio | 73.0600% | 2,431 |
| Assets per employee ($millions) | 4.1013% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,873 |
| Loan loss allowance to noncurrent loans | 288.7755% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,269 |
| Noncurrent loans to loans | 0.3781% | 3,909 |
| Net loans and leases to total assets | 75.7658% | 1,558 |
| Net loans and leases to deposits | 99.4482% | 740 |
| Net loans and leases to core deposits | 111.2096% | 852 |
| Total domestic deposits to total assets | 76.1863% | 5,215 |
| Equity capital to assets | 9.6075% | 4,551 |
| Core capital (leverage) ratio | 10.5624% | 2,919 |
| Tier 1 risk-based capital ratio | 11.2099% | 5,251 |
| Total risk-based capital ratio | 12.1943% | 5,314 |
| Memoranda: | ||
| Average total assets | $120,368,750 | 4,009 |
| Average earning assets | $109,227,000 | 4,047 |
| Average equity | $12,624,250 | 4,191 |
| Average total loans | $88,518,250 | 3,624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 1,117 |
| Cost of funding earning assets | 0.3043% | 4,074 |
| Net interest margin | 4.3657% | 822 |
| Noninterest income to average assets | 0.8303% | 1,611 |
| Noninterest expense to average assets | 3.6333% | 960 |
| Loan and lease loss provision to assets | 0.1560% | 1,460 |
| Net operating income to assets | 0.6986% | 3,795 |
| Return on assets (ROA) | 0.6986% | 3,953 |
| Pretax return on assets | 0.9950% | 3,605 |
| Return on Equity (ROE) | 6.4490% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.4490% | 1,893 |
| Net charge-offs to loans | 0.2013% | 1,142 |
| Credit loss provision to net charge-offs | 107.1429% | 1,999 |
| Earnings coverage of net charge-offs (x) | 7.9048% | 2,574 |
| Efficiency ratio | 75.9420% | 2,090 |
| Assets per employee ($millions) | 3.9846% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,305 |
| Loan loss allowance to noncurrent loans | 298.1132% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 4,262 |
| Noncurrent loans to loans | 0.4059% | 3,907 |
| Net loans and leases to total assets | 75.5419% | 1,561 |
| Net loans and leases to deposits | 91.9713% | 1,520 |
| Net loans and leases to core deposits | 98.3746% | 1,774 |
| Total domestic deposits to total assets | 82.1364% | 3,964 |
| Equity capital to assets | 10.6509% | 3,468 |
| Core capital (leverage) ratio | 10.8655% | 2,576 |
| Tier 1 risk-based capital ratio | 12.3863% | 4,604 |
| Total risk-based capital ratio | 13.4749% | 4,606 |
| Memoranda: | ||
| Average total assets | $115,377,670 | 4,133 |
| Average earning assets | $104,495,670 | 4,163 |
| Average equity | $12,498,000 | 4,232 |
| Average total loans | $83,466,000 | 3,768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 1,197 |
| Cost of funding earning assets | 0.3157% | 4,000 |
| Net interest margin | 4.3101% | 914 |
| Noninterest income to average assets | 0.8473% | 1,455 |
| Noninterest expense to average assets | 3.4988% | 1,183 |
| Loan and lease loss provision to assets | 0.1589% | 1,315 |
| Net operating income to assets | 0.7661% | 3,411 |
| Return on assets (ROA) | 0.7661% | 3,520 |
| Pretax return on assets | 1.0945% | 3,115 |
| Return on Equity (ROE) | 7.0107% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.0107% | 1,881 |
| Net charge-offs to loans | 0.1459% | 1,240 |
| Credit loss provision to net charge-offs | 155.1724% | 1,249 |
| Earnings coverage of net charge-offs (x) | 12.2414% | 1,809 |
| Efficiency ratio | 73.6256% | 2,538 |
| Assets per employee ($millions) | 3.7503% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 2,438 |
| Loan loss allowance to noncurrent loans | 328.2353% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 4,363 |
| Noncurrent loans to loans | 0.4257% | 3,919 |
| Net loans and leases to total assets | 69.9962% | 2,342 |
| Net loans and leases to deposits | 79.7141% | 2,834 |
| Net loans and leases to core deposits | 85.2101% | 2,821 |
| Total domestic deposits to total assets | 87.8090% | 1,741 |
| Equity capital to assets | 11.1218% | 2,806 |
| Core capital (leverage) ratio | 10.9460% | 2,450 |
| Tier 1 risk-based capital ratio | 13.2969% | 4,097 |
| Total risk-based capital ratio | 14.4938% | 4,053 |
| Memoranda: | ||
| Average total assets | $113,297,000 | 4,192 |
| Average earning assets | $102,642,000 | 4,239 |
| Average equity | $12,381,000 | 4,267 |
| Average total loans | $79,495,000 | 3,867 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,498 |
| Cost of funding earning assets | 0.3023% | 4,219 |
| Net interest margin | 4.2341% | 1,091 |
| Noninterest income to average assets | 0.7969% | 1,799 |
| Noninterest expense to average assets | 3.5004% | 1,286 |
| Loan and lease loss provision to assets | 0.1569% | 1,489 |
| Net operating income to assets | 0.7169% | 3,731 |
| Return on assets (ROA) | 0.7175% | 3,833 |
| Pretax return on assets | 1.0235% | 3,368 |
| Return on Equity (ROE) | 6.8197% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.0908% | 3,857 |
| Net charge-offs to loans | 0.0260% | 3,708 |
| Credit loss provision to net charge-offs | 900.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 67.6500% | 793 |
| Efficiency ratio | 74.7951% | 2,458 |
| Assets per employee ($millions) | 3.8028% | 4,286 |
| Cash dividends to net income (ytd only)* | 54.6780% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,473 |
| Loan loss allowance to noncurrent loans | 428.0156% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 4,632 |
| Noncurrent loans to loans | 0.3248% | 4,295 |
| Net loans and leases to total assets | 68.3894% | 2,645 |
| Net loans and leases to deposits | 77.4866% | 3,105 |
| Net loans and leases to core deposits | 82.4966% | 3,095 |
| Total domestic deposits to total assets | 88.2596% | 1,501 |
| Equity capital to assets | 10.7367% | 3,090 |
| Core capital (leverage) ratio | 10.6511% | 2,771 |
| Tier 1 risk-based capital ratio | 13.9702% | 3,727 |
| Total risk-based capital ratio | 15.2201% | 3,658 |
| Memoranda: | ||
| Average total assets | $114,699,600 | 4,163 |
| Average earning assets | $105,193,600 | 4,162 |
| Average equity | $12,068,000 | 4,293 |
| Average total loans | $76,832,600 | 3,916 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,719 |
| Cost of funding earning assets | 0.3017% | 4,326 |
| Net interest margin | 4.1610% | 1,252 |
| Noninterest income to average assets | 0.7679% | 1,939 |
| Noninterest expense to average assets | 3.4678% | 1,350 |
| Loan and lease loss provision to assets | 0.1564% | 1,387 |
| Net operating income to assets | 0.9139% | 2,897 |
| Return on assets (ROA) | 0.9150% | 2,975 |
| Pretax return on assets | 0.9625% | 3,773 |
| Return on Equity (ROE) | 8.5776% | 2,784 |
| Retained earnings to average equity (ytd only) | 5.8631% | 2,331 |
| Net charge-offs to loans | 0.0385% | 3,126 |
| Credit loss provision to net charge-offs | 613.6364% | 556 |
| Earnings coverage of net charge-offs (x) | 43.8674% | 1,150 |
| Efficiency ratio | 75.6252% | 2,301 |
| Assets per employee ($millions) | 3.9747% | 3,926 |
| Cash dividends to net income (ytd only)* | 31.6460% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 3,730 |
| Loan loss allowance to noncurrent loans | 608.6705% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 5,095 |
| Noncurrent loans to loans | 0.1950% | 4,866 |
| Net loans and leases to total assets | 73.5269% | 1,816 |
| Net loans and leases to deposits | 90.2842% | 1,605 |
| Net loans and leases to core deposits | 97.4275% | 1,752 |
| Total domestic deposits to total assets | 81.4394% | 4,354 |
| Equity capital to assets | 10.5449% | 3,558 |
| Core capital (leverage) ratio | 10.4564% | 3,090 |
| Tier 1 risk-based capital ratio | 12.9275% | 4,471 |
| Total risk-based capital ratio | 14.0158% | 4,481 |
| Memoranda: | ||
| Average total assets | $115,112,750 | 4,195 |
| Average earning assets | $105,612,250 | 4,190 |
| Average equity | $12,279,750 | 4,304 |
| Average total loans | $76,260,250 | 3,970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,455 |
| Cost of funding earning assets | 0.2984% | 4,414 |
| Net interest margin | 3.9264% | 1,892 |
| Noninterest income to average assets | 0.7878% | 1,832 |
| Noninterest expense to average assets | 3.4149% | 1,451 |
| Loan and lease loss provision to assets | 0.1583% | 1,344 |
| Net operating income to assets | 0.7878% | 3,450 |
| Return on assets (ROA) | 0.7878% | 3,553 |
| Pretax return on assets | 0.8247% | 4,230 |
| Return on Equity (ROE) | 7.3553% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.2508% | 3,978 |
| Net charge-offs to loans | 0.0527% | 2,665 |
| Credit loss provision to net charge-offs | 473.6842% | 652 |
| Earnings coverage of net charge-offs (x) | 29.4211% | 1,378 |
| Efficiency ratio | 77.6489% | 2,116 |
| Assets per employee ($millions) | 3.8460% | 4,179 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 3,600 |
| Loan loss allowance to noncurrent loans | 515.8163% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 5,104 |
| Noncurrent loans to loans | 0.2392% | 4,806 |
| Net loans and leases to total assets | 70.1415% | 2,291 |
| Net loans and leases to deposits | 83.2134% | 2,412 |
| Net loans and leases to core deposits | 88.3535% | 2,521 |
| Total domestic deposits to total assets | 84.2912% | 3,454 |
| Equity capital to assets | 10.5546% | 3,383 |
| Core capital (leverage) ratio | 10.6465% | 2,793 |
| Tier 1 risk-based capital ratio | 13.6012% | 4,161 |
| Total risk-based capital ratio | 14.7315% | 4,167 |
| Memoranda: | ||
| Average total assets | $113,736,330 | 4,257 |
| Average earning assets | $104,573,000 | 4,256 |
| Average equity | $12,181,670 | 4,350 |
| Average total loans | $72,104,330 | 4,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 3,357 |
| Cost of funding earning assets | 0.3006% | 4,435 |
| Net interest margin | 3.6648% | 2,756 |
| Noninterest income to average assets | 0.8219% | 1,626 |
| Noninterest expense to average assets | 3.3973% | 1,493 |
| Loan and lease loss provision to assets | 0.1594% | 1,273 |
| Net operating income to assets | 0.6341% | 4,121 |
| Return on assets (ROA) | 0.6341% | 4,245 |
| Pretax return on assets | 0.6341% | 4,814 |
| Return on Equity (ROE) | 5.8768% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8768% | 2,562 |
| Net charge-offs to loans | 0.1191% | 1,558 |
| Credit loss provision to net charge-offs | 225.0000% | 972 |
| Earnings coverage of net charge-offs (x) | 11.2000% | 1,880 |
| Efficiency ratio | 81.0651% | 1,753 |
| Assets per employee ($millions) | 3.6862% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 2,965 |
| Loan loss allowance to noncurrent loans | 1,005.2083% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 5,607 |
| Noncurrent loans to loans | 0.1382% | 5,281 |
| Net loans and leases to total assets | 59.9543% | 3,658 |
| Net loans and leases to deposits | 67.7984% | 3,976 |
| Net loans and leases to core deposits | 71.8152% | 3,984 |
| Total domestic deposits to total assets | 88.4302% | 1,581 |
| Equity capital to assets | 10.7524% | 3,258 |
| Core capital (leverage) ratio | 10.6967% | 2,752 |
| Tier 1 risk-based capital ratio | 15.1147% | 3,373 |
| Total risk-based capital ratio | 16.3155% | 3,316 |
| Memoranda: | ||
| Average total assets | $112,914,000 | 4,315 |
| Average earning assets | $103,799,000 | 4,308 |
| Average equity | $12,183,500 | 4,381 |
| Average total loans | $67,186,000 | 4,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,099 |
| Cost of funding earning assets | 0.3379% | 4,387 |
| Net interest margin | 3.8183% | 2,557 |
| Noninterest income to average assets | 0.9031% | 1,496 |
| Noninterest expense to average assets | 3.5681% | 1,361 |
| Loan and lease loss provision to assets | 0.1105% | 2,322 |
| Net operating income to assets | 0.6961% | 3,911 |
| Return on assets (ROA) | 0.7052% | 3,983 |
| Pretax return on assets | 0.7180% | 4,563 |
| Return on Equity (ROE) | 6.8276% | 3,736 |
| Retained earnings to average equity (ytd only) | 5.0449% | 2,572 |
| Net charge-offs to loans | 0.1043% | 3,018 |
| Credit loss provision to net charge-offs | 179.1045% | 1,354 |
| Earnings coverage of net charge-offs (x) | 13.2836% | 2,282 |
| Efficiency ratio | 81.3261% | 1,732 |
| Assets per employee ($millions) | 3.5986% | 4,722 |
| Cash dividends to net income (ytd only)* | 26.1097% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 2,703 |
| Loan loss allowance to noncurrent loans | 746.0317% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,582 |
| Noncurrent loans to loans | 0.1942% | 5,126 |
| Net loans and leases to total assets | 57.3308% | 4,146 |
| Net loans and leases to deposits | 64.8911% | 4,442 |
| Net loans and leases to core deposits | 68.8284% | 4,421 |
| Total domestic deposits to total assets | 88.3493% | 1,597 |
| Equity capital to assets | 10.8286% | 3,089 |
| Core capital (leverage) ratio | 10.6110% | 2,823 |
| Tier 1 risk-based capital ratio | 16.0273% | 2,950 |
| Total risk-based capital ratio | 17.2780% | 2,893 |
| Memoranda: | ||
| Average total assets | $108,628,000 | 4,405 |
| Average earning assets | $99,128,400 | 4,418 |
| Average equity | $11,219,200 | 4,519 |
| Average total loans | $64,231,000 | 4,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 3,124 |
| Cost of funding earning assets | 0.3404% | 4,455 |
| Net interest margin | 3.8215% | 2,537 |
| Noninterest income to average assets | 0.8329% | 1,765 |
| Noninterest expense to average assets | 3.5391% | 1,395 |
| Loan and lease loss provision to assets | 0.1112% | 2,187 |
| Net operating income to assets | 0.6502% | 4,220 |
| Return on assets (ROA) | 0.6624% | 4,250 |
| Pretax return on assets | 0.6772% | 4,778 |
| Return on Equity (ROE) | 6.4945% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.4945% | 2,107 |
| Net charge-offs to loans | 0.0728% | 3,152 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 17.9411% | 1,874 |
| Efficiency ratio | 82.0160% | 1,623 |
| Assets per employee ($millions) | 3.3777% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 3,815 |
| Loan loss allowance to noncurrent loans | 682.6087% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 5,658 |
| Noncurrent loans to loans | 0.1860% | 5,354 |
| Net loans and leases to total assets | 67.7624% | 2,574 |
| Net loans and leases to deposits | 77.3792% | 3,019 |
| Net loans and leases to core deposits | 82.2859% | 3,071 |
| Total domestic deposits to total assets | 87.5718% | 1,999 |
| Equity capital to assets | 11.1237% | 2,838 |
| Core capital (leverage) ratio | 11.0248% | 2,461 |
| Tier 1 risk-based capital ratio | 14.6142% | 3,808 |
| Total risk-based capital ratio | 15.7647% | 3,814 |
| Memoranda: | ||
| Average total assets | $107,896,000 | 4,461 |
| Average earning assets | $98,318,500 | 4,487 |
| Average equity | $11,004,000 | 4,595 |
| Average total loans | $64,064,750 | 4,398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,202 |
| Cost of funding earning assets | 0.3477% | 4,462 |
| Net interest margin | 3.5360% | 3,626 |
| Noninterest income to average assets | 0.8550% | 1,638 |
| Noninterest expense to average assets | 3.3867% | 1,707 |
| Loan and lease loss provision to assets | 0.1113% | 2,170 |
| Net operating income to assets | 0.5644% | 4,525 |
| Return on assets (ROA) | 0.5824% | 4,539 |
| Pretax return on assets | 0.6009% | 4,953 |
| Return on Equity (ROE) | 5.8888% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.8888% | 2,390 |
| Net charge-offs to loans | 0.0791% | 2,903 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 15.5833% | 1,839 |
| Efficiency ratio | 83.0000% | 1,630 |
| Assets per employee ($millions) | 3.2140% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 3,610 |
| Loan loss allowance to noncurrent loans | 595.4839% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 5,725 |
| Noncurrent loans to loans | 0.2259% | 5,325 |
| Net loans and leases to total assets | 61.9362% | 3,421 |
| Net loans and leases to deposits | 70.1114% | 3,813 |
| Net loans and leases to core deposits | 72.8539% | 3,959 |
| Total domestic deposits to total assets | 88.3397% | 1,713 |
| Equity capital to assets | 10.7891% | 3,103 |
| Core capital (leverage) ratio | 10.5979% | 2,827 |
| Tier 1 risk-based capital ratio | 15.0805% | 3,589 |
| Total risk-based capital ratio | 16.2658% | 3,578 |
| Memoranda: | ||
| Average total assets | $107,833,000 | 4,491 |
| Average earning assets | $98,359,670 | 4,516 |
| Average equity | $10,664,330 | 4,672 |
| Average total loans | $60,692,000 | 4,527 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,650 |
| Cost of funding earning assets | 0.3525% | 4,512 |
| Net interest margin | 3.4024% | 4,105 |
| Noninterest income to average assets | 0.8888% | 1,434 |
| Noninterest expense to average assets | 3.3237% | 1,896 |
| Loan and lease loss provision to assets | 0.1120% | 2,078 |
| Net operating income to assets | 0.5315% | 4,547 |
| Return on assets (ROA) | 0.5602% | 4,491 |
| Pretax return on assets | 0.5826% | 4,890 |
| Return on Equity (ROE) | 5.9397% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.9397% | 2,574 |
| Net charge-offs to loans | 0.1128% | 2,050 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 11.1250% | 1,804 |
| Efficiency ratio | 83.3333% | 1,751 |
| Assets per employee ($millions) | 3.6574% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 2,629 |
| Loan loss allowance to noncurrent loans | 703.9063% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,912 |
| Noncurrent loans to loans | 0.2294% | 5,413 |
| Net loans and leases to total assets | 48.4159% | 5,071 |
| Net loans and leases to deposits | 54.3780% | 5,249 |
| Net loans and leases to core deposits | 59.4619% | 5,090 |
| Total domestic deposits to total assets | 89.0360% | 1,637 |
| Equity capital to assets | 10.1420% | 3,670 |
| Core capital (leverage) ratio | 10.9895% | 2,402 |
| Tier 1 risk-based capital ratio | 16.9256% | 2,726 |
| Total risk-based capital ratio | 18.1768% | 2,680 |
| Memoranda: | ||
| Average total assets | $107,111,000 | 4,555 |
| Average earning assets | $97,578,500 | 4,582 |
| Average equity | $10,101,500 | 4,795 |
| Average total loans | $56,735,500 | 4,699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,634 |
| Cost of funding earning assets | 0.4371% | 4,244 |
| Net interest margin | 3.9487% | 2,110 |
| Noninterest income to average assets | 0.9973% | 1,400 |
| Noninterest expense to average assets | 3.7491% | 1,216 |
| Loan and lease loss provision to assets | 0.1196% | 2,820 |
| Net operating income to assets | 0.6868% | 3,863 |
| Return on assets (ROA) | 0.7243% | 3,772 |
| Pretax return on assets | 0.7303% | 4,415 |
| Return on Equity (ROE) | 8.3486% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.0519% | 1,936 |
| Net charge-offs to loans | -0.0591% | 6,366 |
| Credit loss provision to net charge-offs | -352.9412% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1975% | 1,857 |
| Assets per employee ($millions) | 3.0558% | 5,752 |
| Cash dividends to net income (ytd only)* | 27.5103% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 3,018 |
| Loan loss allowance to noncurrent loans | 357.6613% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 5,532 |
| Noncurrent loans to loans | 0.4300% | 4,919 |
| Net loans and leases to total assets | 56.3148% | 4,271 |
| Net loans and leases to deposits | 62.2693% | 4,694 |
| Net loans and leases to core deposits | 65.0526% | 4,772 |
| Total domestic deposits to total assets | 90.4375% | 851 |
| Equity capital to assets | 8.6313% | 5,449 |
| Core capital (leverage) ratio | 8.6714% | 5,449 |
| Tier 1 risk-based capital ratio | 13.2035% | 4,849 |
| Total risk-based capital ratio | 14.4545% | 4,792 |
| Memoranda: | ||
| Average total assets | $100,370,200 | 4,731 |
| Average earning assets | $90,587,400 | 4,755 |
| Average equity | $8,708,000 | 5,159 |
| Average total loans | $57,537,600 | 4,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,688 |
| Cost of funding earning assets | 0.4468% | 4,312 |
| Net interest margin | 3.9242% | 2,183 |
| Noninterest income to average assets | 0.9828% | 1,503 |
| Noninterest expense to average assets | 3.7185% | 1,220 |
| Loan and lease loss provision to assets | 0.1197% | 2,800 |
| Net operating income to assets | 0.6775% | 3,966 |
| Return on assets (ROA) | 0.7275% | 3,841 |
| Pretax return on assets | 0.7341% | 4,561 |
| Return on Equity (ROE) | 8.3743% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.3743% | 1,258 |
| Net charge-offs to loans | -0.0464% | 6,286 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2353% | 1,799 |
| Assets per employee ($millions) | 3.2641% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,581 |
| Loan loss allowance to noncurrent loans | 714.4068% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 6,087 |
| Noncurrent loans to loans | 0.1768% | 5,798 |
| Net loans and leases to total assets | 65.1256% | 2,778 |
| Net loans and leases to deposits | 74.1160% | 3,217 |
| Net loans and leases to core deposits | 77.5143% | 3,420 |
| Total domestic deposits to total assets | 87.8699% | 2,211 |
| Equity capital to assets | 8.6899% | 5,536 |
| Core capital (leverage) ratio | 8.9221% | 5,232 |
| Tier 1 risk-based capital ratio | 11.8483% | 5,879 |
| Total risk-based capital ratio | 12.9644% | 5,899 |
| Memoranda: | ||
| Average total assets | $100,252,250 | 4,777 |
| Average earning assets | $90,411,250 | 4,795 |
| Average equity | $8,709,000 | 5,215 |
| Average total loans | $57,503,000 | 4,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,765 |
| Cost of funding earning assets | 0.4534% | 4,396 |
| Net interest margin | 3.6382% | 3,215 |
| Noninterest income to average assets | 1.0386% | 1,410 |
| Noninterest expense to average assets | 3.6782% | 1,286 |
| Loan and lease loss provision to assets | 0.1201% | 2,820 |
| Net operating income to assets | 0.5250% | 4,691 |
| Return on assets (ROA) | 0.5964% | 4,487 |
| Pretax return on assets | 0.6044% | 4,997 |
| Return on Equity (ROE) | 6.8656% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.8656% | 1,950 |
| Net charge-offs to loans | -0.0735% | 6,397 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9353% | 1,539 |
| Assets per employee ($millions) | 2.9314% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,522 |
| Loan loss allowance to noncurrent loans | 655.6452% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1282% | 6,101 |
| Noncurrent loans to loans | 0.1979% | 5,818 |
| Net loans and leases to total assets | 63.9245% | 2,921 |
| Net loans and leases to deposits | 70.9184% | 3,597 |
| Net loans and leases to core deposits | 73.5020% | 3,872 |
| Total domestic deposits to total assets | 90.1381% | 952 |
| Equity capital to assets | 8.8933% | 5,332 |
| Core capital (leverage) ratio | 8.7176% | 5,393 |
| Tier 1 risk-based capital ratio | 12.1794% | 5,690 |
| Total risk-based capital ratio | 13.3176% | 5,705 |
| Memoranda: | ||
| Average total assets | $99,941,000 | 4,818 |
| Average earning assets | $90,430,000 | 4,832 |
| Average equity | $8,681,000 | 5,254 |
| Average total loans | $54,423,670 | 4,870 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,834 |
| Cost of funding earning assets | 0.4571% | 4,511 |
| Net interest margin | 3.3389% | 4,356 |
| Noninterest income to average assets | 1.0675% | 1,306 |
| Noninterest expense to average assets | 3.6635% | 1,310 |
| Loan and lease loss provision to assets | 0.1182% | 2,754 |
| Net operating income to assets | 0.2954% | 5,585 |
| Return on assets (ROA) | 0.2954% | 5,707 |
| Pretax return on assets | 0.3073% | 5,832 |
| Return on Equity (ROE) | 3.4404% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.4404% | 4,187 |
| Net charge-offs to loans | -0.1908% | 6,670 |
| Credit loss provision to net charge-offs | -125.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5954% | 1,177 |
| Assets per employee ($millions) | 3.2780% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,561 |
| Loan loss allowance to noncurrent loans | 619.6850% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 6,198 |
| Noncurrent loans to loans | 0.2522% | 5,784 |
| Net loans and leases to total assets | 48.7832% | 5,144 |
| Net loans and leases to deposits | 53.9970% | 5,437 |
| Net loans and leases to core deposits | 55.8594% | 5,532 |
| Total domestic deposits to total assets | 90.3443% | 854 |
| Equity capital to assets | 8.6086% | 5,910 |
| Core capital (leverage) ratio | 8.2631% | 5,861 |
| Tier 1 risk-based capital ratio | 13.6677% | 4,746 |
| Total risk-based capital ratio | 14.9173% | 4,713 |
| Memoranda: | ||
| Average total assets | $101,543,500 | 4,824 |
| Average earning assets | $91,886,500 | 4,846 |
| Average equity | $8,720,000 | 5,296 |
| Average total loans | $50,310,000 | 5,047 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 4,696 |
| Cost of funding earning assets | 0.5738% | 4,597 |
| Net interest margin | 3.5954% | 4,102 |
| Noninterest income to average assets | 1.0228% | 1,471 |
| Noninterest expense to average assets | 3.6571% | 1,493 |
| Loan and lease loss provision to assets | 0.0207% | 5,642 |
| Net operating income to assets | 0.5658% | 4,400 |
| Return on assets (ROA) | 0.5658% | 4,660 |
| Pretax return on assets | 0.5658% | 5,090 |
| Return on Equity (ROE) | 6.2986% | 4,019 |
| Retained earnings to average equity (ytd only) | 2.8378% | 4,239 |
| Net charge-offs to loans | 0.2124% | 3,689 |
| Credit loss provision to net charge-offs | 19.4175% | 5,295 |
| Earnings coverage of net charge-offs (x) | 5.4951% | 3,020 |
| Efficiency ratio | 86.1783% | 1,415 |
| Assets per employee ($millions) | 3.0748% | 5,895 |
| Cash dividends to net income (ytd only)* | 54.9451% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 3,906 |
| Loan loss allowance to noncurrent loans | 190.3896% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 5,555 |
| Noncurrent loans to loans | 0.7660% | 4,649 |
| Net loans and leases to total assets | 48.8105% | 5,329 |
| Net loans and leases to deposits | 54.0169% | 5,648 |
| Net loans and leases to core deposits | 55.5609% | 5,748 |
| Total domestic deposits to total assets | 90.3615% | 770 |
| Equity capital to assets | 8.5662% | 5,991 |
| Core capital (leverage) ratio | 8.3457% | 5,831 |
| Tier 1 risk-based capital ratio | 13.8102% | 4,528 |
| Total risk-based capital ratio | 15.0150% | 4,506 |
| Memoranda: | ||
| Average total assets | $96,496,000 | 4,926 |
| Average earning assets | $86,443,400 | 4,951 |
| Average equity | $8,668,600 | 5,313 |
| Average total loans | $48,501,400 | 5,160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 4,417 |
| Cost of funding earning assets | 0.5998% | 4,650 |
| Net interest margin | 3.7099% | 3,753 |
| Noninterest income to average assets | 1.0190% | 1,458 |
| Noninterest expense to average assets | 3.7289% | 1,328 |
| Loan and lease loss provision to assets | 0.0070% | 5,720 |
| Net operating income to assets | 0.5991% | 4,402 |
| Return on assets (ROA) | 0.5991% | 4,663 |
| Pretax return on assets | 0.5991% | 5,170 |
| Return on Equity (ROE) | 6.5874% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.5874% | 2,337 |
| Net charge-offs to loans | 0.0805% | 4,593 |
| Credit loss provision to net charge-offs | 17.2414% | 4,993 |
| Earnings coverage of net charge-offs (x) | 14.9294% | 1,808 |
| Efficiency ratio | 86.0187% | 1,374 |
| Assets per employee ($millions) | 2.9248% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 3,508 |
| Loan loss allowance to noncurrent loans | 161.9632% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,404 |
| Noncurrent loans to loans | 0.9892% | 4,465 |
| Net loans and leases to total assets | 50.3979% | 5,265 |
| Net loans and leases to deposits | 56.2972% | 5,608 |
| Net loans and leases to core deposits | 58.0043% | 5,734 |
| Total domestic deposits to total assets | 89.5211% | 1,114 |
| Equity capital to assets | 9.2439% | 5,546 |
| Core capital (leverage) ratio | 9.1539% | 4,825 |
| Tier 1 risk-based capital ratio | 14.2561% | 4,347 |
| Total risk-based capital ratio | 15.5066% | 4,315 |
| Memoranda: | ||
| Average total assets | $95,253,000 | 5,010 |
| Average earning assets | $85,139,250 | 5,039 |
| Average equity | $8,662,750 | 5,363 |
| Average total loans | $48,061,750 | 5,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 5,197 |
| Cost of funding earning assets | 0.6285% | 4,644 |
| Net interest margin | 3.5017% | 4,657 |
| Noninterest income to average assets | 1.0587% | 1,291 |
| Noninterest expense to average assets | 3.6887% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4956% | 4,836 |
| Return on assets (ROA) | 0.4956% | 5,090 |
| Pretax return on assets | 0.4956% | 5,445 |
| Return on Equity (ROE) | 5.4802% | 4,592 |
| Retained earnings to average equity (ytd only) | 5.4802% | 2,998 |
| Net charge-offs to loans | 0.0630% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,638 |
| Efficiency ratio | 88.1552% | 1,223 |
| Assets per employee ($millions) | 2.6952% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,324 |
| Loan loss allowance to noncurrent loans | 162.8049% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 5,314 |
| Noncurrent loans to loans | 0.8808% | 4,728 |
| Net loans and leases to total assets | 58.3647% | 4,103 |
| Net loans and leases to deposits | 65.2090% | 4,615 |
| Net loans and leases to core deposits | 67.2842% | 4,866 |
| Total domestic deposits to total assets | 89.5040% | 1,215 |
| Equity capital to assets | 9.2472% | 5,404 |
| Core capital (leverage) ratio | 8.8772% | 5,081 |
| Tier 1 risk-based capital ratio | 12.7992% | 5,340 |
| Total risk-based capital ratio | 14.0210% | 5,332 |
| Memoranda: | ||
| Average total assets | $94,831,330 | 5,040 |
| Average earning assets | $84,644,330 | 5,084 |
| Average equity | $8,576,330 | 5,393 |
| Average total loans | $47,604,000 | 5,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 5,837 |
| Cost of funding earning assets | 0.6394% | 4,824 |
| Net interest margin | 3.3379% | 5,341 |
| Noninterest income to average assets | 1.0938% | 1,198 |
| Noninterest expense to average assets | 3.7694% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3113% | 5,624 |
| Return on assets (ROA) | 0.3113% | 5,786 |
| Pretax return on assets | 0.3113% | 5,956 |
| Return on Equity (ROE) | 3.4811% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.4811% | 4,492 |
| Net charge-offs to loans | 0.1380% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,475 |
| Efficiency ratio | 92.3711% | 923 |
| Assets per employee ($millions) | 2.7803% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 2,795 |
| Loan loss allowance to noncurrent loans | 151.7045% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,161 |
| Noncurrent loans to loans | 1.2284% | 4,286 |
| Net loans and leases to total assets | 44.6235% | 5,943 |
| Net loans and leases to deposits | 49.7294% | 6,162 |
| Net loans and leases to core deposits | 51.1445% | 6,265 |
| Total domestic deposits to total assets | 89.7325% | 1,227 |
| Equity capital to assets | 9.0214% | 5,462 |
| Core capital (leverage) ratio | 8.6925% | 5,305 |
| Tier 1 risk-based capital ratio | 14.7745% | 3,910 |
| Total risk-based capital ratio | 16.0276% | 3,870 |
| Memoranda: | ||
| Average total assets | $95,081,500 | 5,062 |
| Average earning assets | $85,084,000 | 5,112 |
| Average equity | $8,503,000 | 5,430 |
| Average total loans | $43,477,500 | 5,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 4,389 |
| Cost of funding earning assets | 0.7901% | 4,937 |
| Net interest margin | 3.8762% | 3,439 |
| Noninterest income to average assets | 1.0731% | 1,161 |
| Noninterest expense to average assets | 3.8571% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6642% | 3,666 |
| Return on assets (ROA) | 0.6874% | 3,734 |
| Pretax return on assets | 0.6874% | 4,375 |
| Return on Equity (ROE) | 7.6507% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,301 |
| Net charge-offs to loans | 0.4602% | 3,142 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8084% | 3,813 |
| Efficiency ratio | 85.3092% | 1,643 |
| Assets per employee ($millions) | 2.8979% | 6,291 |
| Cash dividends to net income (ytd only)* | 28.1350% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,690 |
| Loan loss allowance to noncurrent loans | 127.5000% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 5,184 |
| Noncurrent loans to loans | 1.4555% | 3,982 |
| Net loans and leases to total assets | 45.1261% | 6,097 |
| Net loans and leases to deposits | 50.0284% | 6,363 |
| Net loans and leases to core deposits | 51.4853% | 6,455 |
| Total domestic deposits to total assets | 90.2010% | 880 |
| Equity capital to assets | 8.8652% | 5,715 |
| Core capital (leverage) ratio | 8.4857% | 5,584 |
| Tier 1 risk-based capital ratio | 14.4147% | 4,036 |
| Total risk-based capital ratio | 15.6678% | 4,005 |
| Memoranda: | ||
| Average total assets | $90,482,600 | 5,164 |
| Average earning assets | $80,491,200 | 5,214 |
| Average equity | $8,130,000 | 5,532 |
| Average total loans | $46,502,400 | 5,399 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8423% | 3,823 |
| Cost of funding earning assets | 0.8177% | 5,028 |
| Net interest margin | 4.0246% | 2,804 |
| Noninterest income to average assets | 1.0867% | 1,138 |
| Noninterest expense to average assets | 3.9478% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7145% | 3,535 |
| Return on assets (ROA) | 0.7459% | 3,567 |
| Pretax return on assets | 0.7459% | 4,326 |
| Return on Equity (ROE) | 8.2720% | 2,926 |
| Retained earnings to average equity (ytd only) | 5.3710% | 2,931 |
| Net charge-offs to loans | 0.3875% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.4891% | 3,422 |
| Efficiency ratio | 84.6746% | 1,671 |
| Assets per employee ($millions) | 2.6612% | 6,710 |
| Cash dividends to net income (ytd only)* | 35.0703% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 3,473 |
| Loan loss allowance to noncurrent loans | 110.6568% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9549% | 4,835 |
| Noncurrent loans to loans | 1.4851% | 4,073 |
| Net loans and leases to total assets | 59.0703% | 4,308 |
| Net loans and leases to deposits | 65.8624% | 4,926 |
| Net loans and leases to core deposits | 68.2588% | 5,153 |
| Total domestic deposits to total assets | 89.6875% | 1,049 |
| Equity capital to assets | 9.2626% | 5,434 |
| Core capital (leverage) ratio | 9.0008% | 4,923 |
| Tier 1 risk-based capital ratio | 12.5027% | 5,482 |
| Total risk-based capital ratio | 13.7541% | 5,480 |
| Memoranda: | ||
| Average total assets | $89,195,250 | 5,241 |
| Average earning assets | $79,243,750 | 5,293 |
| Average equity | $8,043,000 | 5,585 |
| Average total loans | $47,135,250 | 5,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 5,080 |
| Cost of funding earning assets | 0.8282% | 5,198 |
| Net interest margin | 3.7461% | 4,053 |
| Noninterest income to average assets | 1.1243% | 1,021 |
| Noninterest expense to average assets | 3.8663% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5903% | 4,104 |
| Return on assets (ROA) | 0.6354% | 4,007 |
| Pretax return on assets | 0.6354% | 4,632 |
| Return on Equity (ROE) | 7.1119% | 3,398 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,573 |
| Net charge-offs to loans | 0.5812% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.0154% | 3,855 |
| Efficiency ratio | 86.7543% | 1,530 |
| Assets per employee ($millions) | 2.7423% | 6,579 |
| Cash dividends to net income (ytd only)* | 62.0567% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 3,155 |
| Loan loss allowance to noncurrent loans | 69.7674% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 3,973 |
| Noncurrent loans to loans | 2.5074% | 2,879 |
| Net loans and leases to total assets | 55.8566% | 5,016 |
| Net loans and leases to deposits | 62.0442% | 5,498 |
| Net loans and leases to core deposits | 64.2867% | 5,696 |
| Total domestic deposits to total assets | 90.0272% | 961 |
| Equity capital to assets | 8.9562% | 5,642 |
| Core capital (leverage) ratio | 8.6123% | 5,379 |
| Tier 1 risk-based capital ratio | 12.8133% | 5,078 |
| Total risk-based capital ratio | 14.0658% | 5,050 |
| Memoranda: | ||
| Average total assets | $88,766,330 | 5,295 |
| Average earning assets | $78,963,000 | 5,343 |
| Average equity | $7,930,330 | 5,635 |
| Average total loans | $44,733,330 | 5,578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 5,477 |
| Cost of funding earning assets | 0.8342% | 5,372 |
| Net interest margin | 3.6286% | 4,439 |
| Noninterest income to average assets | 1.2560% | 804 |
| Noninterest expense to average assets | 3.9817% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5006% | 4,490 |
| Return on assets (ROA) | 0.5006% | 4,572 |
| Pretax return on assets | 0.5006% | 5,025 |
| Return on Equity (ROE) | 5.6101% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.6101% | 2,845 |
| Net charge-offs to loans | 1.3534% | 1,022 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 4,052 |
| Efficiency ratio | 88.8325% | 1,433 |
| Assets per employee ($millions) | 2.7778% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 2,184 |
| Loan loss allowance to noncurrent loans | 114.2490% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 5,007 |
| Noncurrent loans to loans | 1.8394% | 3,777 |
| Net loans and leases to total assets | 46.6414% | 6,220 |
| Net loans and leases to deposits | 51.7422% | 6,494 |
| Net loans and leases to core deposits | 53.6407% | 6,579 |
| Total domestic deposits to total assets | 90.1419% | 1,068 |
| Equity capital to assets | 8.9289% | 5,310 |
| Core capital (leverage) ratio | 8.8435% | 4,868 |
| Tier 1 risk-based capital ratio | 14.8732% | 3,492 |
| Total risk-based capital ratio | 16.1287% | 3,450 |
| Memoranda: | ||
| Average total assets | $87,901,500 | 5,359 |
| Average earning assets | $78,156,000 | 5,412 |
| Average equity | $7,843,000 | 5,666 |
| Average total loans | $41,376,000 | 5,792 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 5,171 |
| Cost of funding earning assets | 1.0367% | 5,505 |
| Net interest margin | 3.8281% | 3,829 |
| Noninterest income to average assets | 1.0725% | 1,301 |
| Noninterest expense to average assets | 3.7482% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6967% | 3,237 |
| Return on assets (ROA) | 0.6978% | 3,365 |
| Pretax return on assets | 0.6978% | 3,984 |
| Return on Equity (ROE) | 8.0339% | 2,687 |
| Retained earnings to average equity (ytd only) | 7.2687% | 1,218 |
| Net charge-offs to loans | 0.0047% | 6,799 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 75 |
| Efficiency ratio | 84.3259% | 1,884 |
| Assets per employee ($millions) | 2.6337% | 6,794 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5494% | 1,350 |
| Loan loss allowance to noncurrent loans | 390.1515% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,347 |
| Noncurrent loans to loans | 0.6534% | 5,751 |
| Net loans and leases to total assets | 45.3010% | 6,613 |
| Net loans and leases to deposits | 50.2316% | 6,843 |
| Net loans and leases to core deposits | 51.7712% | 6,919 |
| Total domestic deposits to total assets | 90.1843% | 1,000 |
| Equity capital to assets | 8.9159% | 5,262 |
| Core capital (leverage) ratio | 8.5246% | 5,311 |
| Tier 1 risk-based capital ratio | 15.0784% | 3,199 |
| Total risk-based capital ratio | 16.3381% | 3,143 |
| Memoranda: | ||
| Average total assets | $87,268,800 | 5,368 |
| Average earning assets | $76,878,200 | 5,447 |
| Average equity | $7,580,400 | 5,852 |
| Average total loans | $42,912,400 | 5,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 5,169 |
| Cost of funding earning assets | 1.0755% | 5,569 |
| Net interest margin | 3.8451% | 3,773 |
| Noninterest income to average assets | 1.0348% | 1,352 |
| Noninterest expense to average assets | 3.7668% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6456% | 3,670 |
| Return on assets (ROA) | 0.6471% | 3,824 |
| Pretax return on assets | 0.6471% | 4,434 |
| Return on Equity (ROE) | 7.4994% | 3,106 |
| Retained earnings to average equity (ytd only) | 6.4735% | 2,103 |
| Net charge-offs to loans | 0.0153% | 6,464 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 84.5562% | 366 |
| Efficiency ratio | 85.3684% | 1,692 |
| Assets per employee ($millions) | 2.6150% | 6,914 |
| Cash dividends to net income (ytd only)* | 13.6790% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,929 |
| Loan loss allowance to noncurrent loans | 210.0204% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 6,022 |
| Noncurrent loans to loans | 1.0137% | 5,212 |
| Net loans and leases to total assets | 54.7083% | 5,744 |
| Net loans and leases to deposits | 60.9925% | 6,214 |
| Net loans and leases to core deposits | 62.4653% | 6,414 |
| Total domestic deposits to total assets | 89.6969% | 1,021 |
| Equity capital to assets | 9.1605% | 5,368 |
| Core capital (leverage) ratio | 8.6684% | 5,248 |
| Tier 1 risk-based capital ratio | 13.1504% | 4,457 |
| Total risk-based capital ratio | 14.4071% | 4,436 |
| Memoranda: | ||
| Average total assets | $87,358,000 | 5,430 |
| Average earning assets | $76,736,750 | 5,521 |
| Average equity | $7,538,250 | 5,930 |
| Average total loans | $43,540,000 | 5,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 6,192 |
| Cost of funding earning assets | 1.1168% | 5,589 |
| Net interest margin | 3.5675% | 4,958 |
| Noninterest income to average assets | 1.0534% | 1,208 |
| Noninterest expense to average assets | 3.7098% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4902% | 4,378 |
| Return on assets (ROA) | 0.4925% | 4,522 |
| Pretax return on assets | 0.4925% | 4,924 |
| Return on Equity (ROE) | 5.8252% | 3,882 |
| Retained earnings to average equity (ytd only) | 4.2611% | 3,365 |
| Net charge-offs to loans | -0.0238% | 7,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3279% | 1,481 |
| Assets per employee ($millions) | 2.8484% | 6,456 |
| Cash dividends to net income (ytd only)* | 26.8519% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 1,730 |
| Loan loss allowance to noncurrent loans | 216.4927% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 6,115 |
| Noncurrent loans to loans | 1.0241% | 5,262 |
| Net loans and leases to total assets | 51.7961% | 6,236 |
| Net loans and leases to deposits | 57.3593% | 6,626 |
| Net loans and leases to core deposits | 58.9473% | 6,769 |
| Total domestic deposits to total assets | 90.3012% | 767 |
| Equity capital to assets | 8.6116% | 5,994 |
| Core capital (leverage) ratio | 8.2273% | 5,898 |
| Tier 1 risk-based capital ratio | 12.9836% | 4,460 |
| Total risk-based capital ratio | 14.2401% | 4,413 |
| Memoranda: | ||
| Average total assets | $87,712,670 | 5,459 |
| Average earning assets | $77,365,000 | 5,535 |
| Average equity | $7,416,000 | 5,992 |
| Average total loans | $41,974,330 | 5,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 6,726 |
| Cost of funding earning assets | 1.1668% | 5,570 |
| Net interest margin | 3.3649% | 5,730 |
| Noninterest income to average assets | 1.1302% | 977 |
| Noninterest expense to average assets | 3.8161% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2700% | 5,422 |
| Return on assets (ROA) | 0.2700% | 5,543 |
| Pretax return on assets | 0.2700% | 5,689 |
| Return on Equity (ROE) | 3.2232% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.5843% | 5,154 |
| Net charge-offs to loans | -0.3032% | 7,745 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3931% | 1,173 |
| Assets per employee ($millions) | 2.7206% | 6,821 |
| Cash dividends to net income (ytd only)* | 50.8475% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7133% | 1,075 |
| Loan loss allowance to noncurrent loans | 215.4158% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,090 |
| Noncurrent loans to loans | 1.2595% | 4,878 |
| Net loans and leases to total assets | 43.7388% | 7,012 |
| Net loans and leases to deposits | 48.3261% | 7,218 |
| Net loans and leases to core deposits | 50.0164% | 7,283 |
| Total domestic deposits to total assets | 90.5077% | 735 |
| Equity capital to assets | 8.4585% | 6,062 |
| Core capital (leverage) ratio | 8.2495% | 5,834 |
| Tier 1 risk-based capital ratio | 14.3602% | 3,460 |
| Total risk-based capital ratio | 15.6210% | 3,420 |
| Memoranda: | ||
| Average total assets | $87,419,000 | 5,532 |
| Average earning assets | $76,793,000 | 5,611 |
| Average equity | $7,322,000 | 6,077 |
| Average total loans | $39,575,000 | 6,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 3,926 |
| Cost of funding earning assets | 1.3478% | 6,152 |
| Net interest margin | 4.1928% | 2,091 |
| Noninterest income to average assets | 1.2295% | 1,000 |
| Noninterest expense to average assets | 4.2958% | 995 |
| Loan and lease loss provision to assets | -0.1894% | 7,995 |
| Net operating income to assets | 0.7397% | 2,773 |
| Return on assets (ROA) | 0.7360% | 2,872 |
| Pretax return on assets | 0.7360% | 3,456 |
| Return on Equity (ROE) | 8.1919% | 2,294 |
| Retained earnings to average equity (ytd only) | 4.3980% | 2,170 |
| Net charge-offs to loans | -1.7015% | 7,960 |
| Credit loss provision to net charge-offs | 22.1566% | 6,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6429% | 1,824 |
| Assets per employee ($millions) | 2.6599% | 6,926 |
| Cash dividends to net income (ytd only)* | 46.3122% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5794% | 1,139 |
| Loan loss allowance to noncurrent loans | 186.9565% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 5,895 |
| Noncurrent loans to loans | 1.3797% | 4,615 |
| Net loans and leases to total assets | 44.4041% | 7,092 |
| Net loans and leases to deposits | 48.9495% | 7,316 |
| Net loans and leases to core deposits | 62.3413% | 7,179 |
| Total domestic deposits to total assets | 90.7141% | 657 |
| Equity capital to assets | 8.2936% | 6,206 |
| Core capital (leverage) ratio | 8.4647% | 5,335 |
| Tier 1 risk-based capital ratio | 13.9320% | 3,548 |
| Total risk-based capital ratio | 15.1913% | 3,491 |
| Memoranda: | ||
| Average total assets | $79,216,200 | 5,752 |
| Average earning assets | $68,331,800 | 5,854 |
| Average equity | $7,116,800 | 6,230 |
| Average total loans | $39,788,800 | 6,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 3,457 |
| Cost of funding earning assets | 1.3913% | 6,263 |
| Net interest margin | 4.2827% | 1,773 |
| Noninterest income to average assets | 1.2611% | 970 |
| Noninterest expense to average assets | 4.3662% | 844 |
| Loan and lease loss provision to assets | -0.2595% | 8,083 |
| Net operating income to assets | 0.8338% | 2,685 |
| Return on assets (ROA) | 0.8286% | 2,761 |
| Pretax return on assets | 0.8286% | 3,447 |
| Return on Equity (ROE) | 9.0256% | 2,254 |
| Retained earnings to average equity (ytd only) | 5.0497% | 2,458 |
| Net charge-offs to loans | -2.4966% | 8,044 |
| Credit loss provision to net charge-offs | 20.1613% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3754% | 1,831 |
| Assets per employee ($millions) | 2.2604% | 7,541 |
| Cash dividends to net income (ytd only)* | 44.0507% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4797% | 1,084 |
| Loan loss allowance to noncurrent loans | 131.1456% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 4,899 |
| Noncurrent loans to loans | 1.8908% | 3,782 |
| Net loans and leases to total assets | 56.2378% | 6,116 |
| Net loans and leases to deposits | 63.0007% | 6,587 |
| Net loans and leases to core deposits | 80.5430% | 6,300 |
| Total domestic deposits to total assets | 89.2654% | 1,076 |
| Equity capital to assets | 9.5167% | 4,725 |
| Core capital (leverage) ratio | 9.0952% | 4,498 |
| Tier 1 risk-based capital ratio | 13.6631% | 3,739 |
| Total risk-based capital ratio | 13.6900% | 4,545 |
| Memoranda: | ||
| Average total assets | $77,075,750 | 5,845 |
| Average earning assets | $66,218,000 | 5,960 |
| Average equity | $7,076,000 | 6,296 |
| Average total loans | $39,733,750 | 6,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 4,535 |
| Cost of funding earning assets | 1.4193% | 6,417 |
| Net interest margin | 4.0971% | 2,332 |
| Noninterest income to average assets | 1.3169% | 884 |
| Noninterest expense to average assets | 4.3267% | 918 |
| Loan and lease loss provision to assets | -0.3889% | 8,181 |
| Net operating income to assets | 0.8814% | 2,531 |
| Return on assets (ROA) | 0.8736% | 2,664 |
| Pretax return on assets | 0.8736% | 3,430 |
| Return on Equity (ROE) | 9.6332% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,294 |
| Net charge-offs to loans | -2.7902% | 8,135 |
| Credit loss provision to net charge-offs | 28.1426% | 6,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7795% | 1,834 |
| Assets per employee ($millions) | 2.1966% | 7,676 |
| Cash dividends to net income (ytd only)* | 62.6113% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 1,280 |
| Loan loss allowance to noncurrent loans | 108.6903% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 4,903 |
| Noncurrent loans to loans | 2.0010% | 3,521 |
| Net loans and leases to total assets | 50.5090% | 6,827 |
| Net loans and leases to deposits | 56.2557% | 7,147 |
| Net loans and leases to core deposits | 71.5866% | 6,929 |
| Total domestic deposits to total assets | 89.7846% | 920 |
| Equity capital to assets | 8.9786% | 5,347 |
| Core capital (leverage) ratio | 8.8100% | 4,932 |
| Tier 1 risk-based capital ratio | 13.7775% | 3,635 |
| Total risk-based capital ratio | 13.7992% | 4,406 |
| Memoranda: | ||
| Average total assets | $77,149,670 | 5,890 |
| Average earning assets | $65,949,670 | 6,009 |
| Average equity | $6,996,670 | 6,373 |
| Average total loans | $38,205,000 | 6,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 3,329 |
| Cost of funding earning assets | 1.4567% | 6,555 |
| Net interest margin | 4.3391% | 1,486 |
| Noninterest income to average assets | 1.4281% | 691 |
| Noninterest expense to average assets | 4.2895% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7980% | 3,142 |
| Return on assets (ROA) | 0.7980% | 3,300 |
| Pretax return on assets | 0.7980% | 4,083 |
| Return on Equity (ROE) | 8.7545% | 2,815 |
| Retained earnings to average equity (ytd only) | 0.2304% | 5,567 |
| Net charge-offs to loans | -6.4728% | 8,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3137% | 2,268 |
| Assets per employee ($millions) | 2.2920% | 7,593 |
| Cash dividends to net income (ytd only)* | 97.3684% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9484% | 501 |
| Loan loss allowance to noncurrent loans | 269.4377% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 5,758 |
| Noncurrent loans to loans | 1.0943% | 4,799 |
| Net loans and leases to total assets | 46.5475% | 7,153 |
| Net loans and leases to deposits | 51.8207% | 7,414 |
| Net loans and leases to core deposits | 65.4222% | 7,258 |
| Total domestic deposits to total assets | 89.8241% | 877 |
| Equity capital to assets | 8.9684% | 5,392 |
| Core capital (leverage) ratio | 8.9265% | 4,828 |
| Tier 1 risk-based capital ratio | 14.2688% | 3,446 |
| Total risk-based capital ratio | 15.5313% | 3,367 |
| Memoranda: | ||
| Average total assets | $76,186,000 | 5,941 |
| Average earning assets | $64,253,000 | 6,096 |
| Average equity | $6,945,000 | 6,433 |
| Average total loans | $36,893,000 | 6,385 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4418% | 3,216 |
| Cost of funding earning assets | 1.8210% | 6,952 |
| Net interest margin | 4.6208% | 1,123 |
| Noninterest income to average assets | 1.2219% | 993 |
| Noninterest expense to average assets | 4.3607% | 983 |
| Loan and lease loss provision to assets | 0.1467% | 5,482 |
| Net operating income to assets | 0.5869% | 4,362 |
| Return on assets (ROA) | 0.7630% | 3,451 |
| Pretax return on assets | 0.7630% | 4,205 |
| Return on Equity (ROE) | 8.5788% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.8739% | 884 |
| Net charge-offs to loans | 2.2688% | 455 |
| Credit loss provision to net charge-offs | 12.0350% | 6,615 |
| Earnings coverage of net charge-offs (x) | 0.6018% | 5,864 |
| Efficiency ratio | 85.5983% | 1,899 |
| Assets per employee ($millions) | 2.1895% | 7,729 |
| Cash dividends to net income (ytd only)* | 8.2168% | 4,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 3,276 |
| Loan loss allowance to noncurrent loans | 94.9248% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 4,938 |
| Noncurrent loans to loans | 1.4611% | 3,606 |
| Net loans and leases to total assets | 48.2315% | 7,170 |
| Net loans and leases to deposits | 53.8645% | 7,447 |
| Net loans and leases to core deposits | 63.8652% | 7,450 |
| Total domestic deposits to total assets | 89.5423% | 831 |
| Equity capital to assets | 9.2702% | 4,971 |
| Core capital (leverage) ratio | 9.1566% | 4,513 |
| Tier 1 risk-based capital ratio | 14.5821% | 3,260 |
| Total risk-based capital ratio | 15.6580% | 3,253 |
| Memoranda: | ||
| Average total assets | $74,964,600 | 5,876 |
| Average earning assets | $62,824,000 | 6,060 |
| Average equity | $6,667,600 | 6,578 |
| Average total loans | $40,286,400 | 6,154 |