Home > Merchants & Farmers Bank & Trust Company > Performance and Condition Ratios
Merchants & Farmers Bank & Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 3,772 |
| Cost of funding earning assets | 1.0745% | 3,911 |
| Net interest margin | 3.5098% | 2,287 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.8870% | 1,347 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6825% | 3,154 |
| Return on assets (ROA) | 0.6825% | 3,171 |
| Pretax return on assets | 0.7791% | 3,236 |
| Return on Equity (ROE) | 8.1100% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.1123% | 1,661 |
| Net charge-offs to loans | 0.0471% | 1,193 |
| Credit loss provision to net charge-offs | -666.6667% | 4,436 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,181 |
| Efficiency ratio | 78.4464% | 1,050 |
| Assets per employee ($millions) | 6.9612% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,012 |
| Loan loss allowance to noncurrent loans | 153.6232% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 1,985 |
| Noncurrent loans to loans | 0.6784% | 1,493 |
| Net loans and leases to total assets | 48.1900% | 3,653 |
| Net loans and leases to deposits | 52.9107% | 3,765 |
| Net loans and leases to core deposits | 56.5261% | 3,810 |
| Total domestic deposits to total assets | 91.0800% | 497 |
| Equity capital to assets | 8.4853% | 3,327 |
| Core capital (leverage) ratio | 10.8769% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $509,316,500 | 1,761 |
| Average earning assets | $473,531,000 | 1,752 |
| Average equity | $42,848,500 | 1,930 |
| Average total loans | $254,603,500 | 2,094 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 3,876 |
| Cost of funding earning assets | 1.1527% | 3,870 |
| Net interest margin | 3.3364% | 2,420 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.9486% | 1,235 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.4897% | 3,505 |
| Return on assets (ROA) | 0.4655% | 3,572 |
| Pretax return on assets | 0.5010% | 3,640 |
| Return on Equity (ROE) | 5.4300% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.0702% | 2,605 |
| Net charge-offs to loans | 0.0295% | 1,986 |
| Credit loss provision to net charge-offs | 174.6667% | 1,244 |
| Earnings coverage of net charge-offs (x) | 35.8133% | 1,420 |
| Efficiency ratio | 84.1553% | 780 |
| Assets per employee ($millions) | 6.8036% | 2,296 |
| Cash dividends to net income (ytd only)* | 25.0444% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 2,546 |
| Loan loss allowance to noncurrent loans | 238.6081% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 1,930 |
| Noncurrent loans to loans | 0.4734% | 1,905 |
| Net loans and leases to total assets | 50.7500% | 3,590 |
| Net loans and leases to deposits | 55.7026% | 3,729 |
| Net loans and leases to core deposits | 60.0445% | 3,746 |
| Total domestic deposits to total assets | 91.1100% | 483 |
| Equity capital to assets | 8.2498% | 3,364 |
| Core capital (leverage) ratio | 11.6647% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $483,815,800 | 1,805 |
| Average earning assets | $441,397,800 | 1,817 |
| Average equity | $41,472,400 | 1,928 |
| Average total loans | $254,200,600 | 2,052 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 3,924 |
| Cost of funding earning assets | 1.1570% | 3,874 |
| Net interest margin | 3.2697% | 2,518 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.9118% | 1,231 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.4607% | 3,558 |
| Return on assets (ROA) | 0.4450% | 3,633 |
| Pretax return on assets | 0.4963% | 3,654 |
| Return on Equity (ROE) | 5.1400% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.2374% | 2,749 |
| Net charge-offs to loans | 0.0315% | 1,693 |
| Credit loss provision to net charge-offs | 155.0000% | 1,257 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 1,466 |
| Efficiency ratio | 84.3662% | 796 |
| Assets per employee ($millions) | 6.6885% | 2,358 |
| Cash dividends to net income (ytd only)* | 17.5810% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 2,573 |
| Loan loss allowance to noncurrent loans | 244.9015% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 1,934 |
| Noncurrent loans to loans | 0.4629% | 1,924 |
| Net loans and leases to total assets | 48.4000% | 3,712 |
| Net loans and leases to deposits | 53.4095% | 3,841 |
| Net loans and leases to core deposits | 57.4154% | 3,864 |
| Total domestic deposits to total assets | 90.6100% | 441 |
| Equity capital to assets | 8.7605% | 3,202 |
| Core capital (leverage) ratio | 11.6501% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $480,603,250 | 1,811 |
| Average earning assets | $438,239,250 | 1,830 |
| Average equity | $41,597,000 | 1,922 |
| Average total loans | $254,013,750 | 2,042 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 3,904 |
| Cost of funding earning assets | 1.1314% | 3,882 |
| Net interest margin | 3.2788% | 2,463 |
| Noninterest income to average assets | 0.4900% | 1,897 |
| Noninterest expense to average assets | 2.9859% | 1,123 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.4191% | 3,621 |
| Return on assets (ROA) | 0.4191% | 3,660 |
| Pretax return on assets | 0.4570% | 3,710 |
| Return on Equity (ROE) | 4.8600% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.4683% | 2,900 |
| Net charge-offs to loans | 0.0306% | 1,543 |
| Credit loss provision to net charge-offs | 182.0513% | 1,087 |
| Earnings coverage of net charge-offs (x) | 29.3077% | 1,405 |
| Efficiency ratio | 85.9703% | 752 |
| Assets per employee ($millions) | 5.6645% | 3,085 |
| Cash dividends to net income (ytd only)* | 28.6877% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,634 |
| Loan loss allowance to noncurrent loans | 263.4686% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 1,837 |
| Noncurrent loans to loans | 0.4278% | 1,925 |
| Net loans and leases to total assets | 52.6600% | 3,495 |
| Net loans and leases to deposits | 58.8433% | 3,631 |
| Net loans and leases to core deposits | 63.2584% | 3,646 |
| Total domestic deposits to total assets | 89.4900% | 846 |
| Equity capital to assets | 8.4892% | 3,108 |
| Core capital (leverage) ratio | 12.1263% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $469,132,000 | 1,831 |
| Average earning assets | $426,375,333 | 1,854 |
| Average equity | $40,423,333 | 1,935 |
| Average total loans | $254,651,333 | 2,035 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 3,857 |
| Cost of funding earning assets | 1.1245% | 3,838 |
| Net interest margin | 3.2583% | 2,435 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 3.0838% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3468% | 3,729 |
| Return on assets (ROA) | 0.3468% | 3,749 |
| Pretax return on assets | 0.3769% | 3,803 |
| Return on Equity (ROE) | 3.9900% | 3,674 |
| Retained earnings to average equity (ytd only) | 3.9947% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 89.1094% | 626 |
| Assets per employee ($millions) | 6.0572% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 2,774 |
| Loan loss allowance to noncurrent loans | 290.5350% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 1,839 |
| Noncurrent loans to loans | 0.3813% | 1,982 |
| Net loans and leases to total assets | 54.7600% | 3,287 |
| Net loans and leases to deposits | 61.1747% | 3,444 |
| Net loans and leases to core deposits | 65.5158% | 3,539 |
| Total domestic deposits to total assets | 89.5100% | 957 |
| Equity capital to assets | 8.6272% | 2,934 |
| Core capital (leverage) ratio | 11.9667% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $465,922,000 | 1,848 |
| Average earning assets | $424,028,000 | 1,868 |
| Average equity | $40,454,000 | 1,935 |
| Average total loans | $255,272,000 | 2,025 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,776 |
| Cost of funding earning assets | 0.7773% | 3,794 |
| Net interest margin | 3.3352% | 2,545 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.9468% | 1,199 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5658% | 3,526 |
| Return on assets (ROA) | 0.5572% | 3,536 |
| Pretax return on assets | 0.6114% | 3,611 |
| Return on Equity (ROE) | 7.0300% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.8850% | 2,639 |
| Net charge-offs to loans | 0.0177% | 2,005 |
| Credit loss provision to net charge-offs | 364.4444% | 832 |
| Earnings coverage of net charge-offs (x) | 68.0444% | 1,111 |
| Efficiency ratio | 81.7922% | 790 |
| Assets per employee ($millions) | 6.0448% | 2,779 |
| Cash dividends to net income (ytd only)* | 30.5267% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 2,810 |
| Loan loss allowance to noncurrent loans | 225.3791% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,477 |
| Noncurrent loans to loans | 0.4901% | 1,563 |
| Net loans and leases to total assets | 53.6200% | 3,379 |
| Net loans and leases to deposits | 61.8714% | 3,415 |
| Net loans and leases to core deposits | 65.3660% | 3,524 |
| Total domestic deposits to total assets | 86.6600% | 1,800 |
| Equity capital to assets | 8.7366% | 2,876 |
| Core capital (leverage) ratio | 11.9041% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $466,785,000 | 1,805 |
| Average earning assets | $426,085,800 | 1,820 |
| Average equity | $36,991,000 | 1,980 |
| Average total loans | $254,164,200 | 1,982 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,819 |
| Cost of funding earning assets | 0.6597% | 3,847 |
| Net interest margin | 3.3564% | 2,554 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.9168% | 1,197 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6251% | 3,482 |
| Return on assets (ROA) | 0.6251% | 3,476 |
| Pretax return on assets | 0.6993% | 3,553 |
| Return on Equity (ROE) | 8.1000% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.1990% | 2,569 |
| Net charge-offs to loans | 0.0158% | 1,835 |
| Credit loss provision to net charge-offs | 490.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 86.3000% | 996 |
| Efficiency ratio | 79.7339% | 869 |
| Assets per employee ($millions) | 5.7800% | 2,947 |
| Cash dividends to net income (ytd only)* | 23.4540% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 2,908 |
| Loan loss allowance to noncurrent loans | 150.0266% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 1,434 |
| Noncurrent loans to loans | 0.7268% | 1,141 |
| Net loans and leases to total assets | 54.6800% | 3,312 |
| Net loans and leases to deposits | 63.0014% | 3,329 |
| Net loans and leases to core deposits | 66.7950% | 3,388 |
| Total domestic deposits to total assets | 86.7900% | 1,953 |
| Equity capital to assets | 7.0532% | 3,584 |
| Core capital (leverage) ratio | 11.7562% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $465,606,750 | 1,810 |
| Average earning assets | $425,647,500 | 1,824 |
| Average equity | $35,940,500 | 2,012 |
| Average total loans | $253,795,250 | 1,985 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,877 |
| Cost of funding earning assets | 0.5701% | 3,833 |
| Net interest margin | 3.3251% | 2,697 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.8863% | 1,240 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6851% | 3,370 |
| Return on assets (ROA) | 0.6851% | 3,374 |
| Pretax return on assets | 0.7742% | 3,452 |
| Return on Equity (ROE) | 8.6300% | 3,078 |
| Retained earnings to average equity (ytd only) | 5.8515% | 2,677 |
| Net charge-offs to loans | 0.0127% | 1,717 |
| Credit loss provision to net charge-offs | 475.0000% | 669 |
| Earnings coverage of net charge-offs (x) | 117.1875% | 859 |
| Efficiency ratio | 78.1519% | 991 |
| Assets per employee ($millions) | 5.7049% | 2,963 |
| Cash dividends to net income (ytd only)* | 32.1608% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,037 |
| Loan loss allowance to noncurrent loans | 136.4758% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 1,232 |
| Noncurrent loans to loans | 0.7916% | 960 |
| Net loans and leases to total assets | 54.1200% | 3,267 |
| Net loans and leases to deposits | 61.9186% | 3,313 |
| Net loans and leases to core deposits | 64.6272% | 3,409 |
| Total domestic deposits to total assets | 87.4100% | 1,800 |
| Equity capital to assets | 7.9878% | 3,224 |
| Core capital (leverage) ratio | 11.8953% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $464,748,000 | 1,815 |
| Average earning assets | $426,570,000 | 1,821 |
| Average equity | $36,913,333 | 1,984 |
| Average total loans | $252,120,333 | 1,993 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7404% | 3,965 |
| Cost of funding earning assets | 0.4913% | 3,719 |
| Net interest margin | 3.2492% | 2,996 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.7752% | 1,498 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5578% | 3,780 |
| Return on assets (ROA) | 0.5578% | 3,744 |
| Pretax return on assets | 0.6129% | 3,821 |
| Return on Equity (ROE) | 7.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.0266% | 2,487 |
| Net charge-offs to loans | 0.0080% | 1,647 |
| Credit loss provision to net charge-offs | 840.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 150.8000% | 609 |
| Efficiency ratio | 81.0458% | 761 |
| Assets per employee ($millions) | 5.8762% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,079 |
| Loan loss allowance to noncurrent loans | 119.4771% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 975 |
| Noncurrent loans to loans | 0.9184% | 820 |
| Net loans and leases to total assets | 53.2400% | 3,262 |
| Net loans and leases to deposits | 59.6335% | 3,354 |
| Net loans and leases to core deposits | 62.4119% | 3,425 |
| Total domestic deposits to total assets | 89.2800% | 1,428 |
| Equity capital to assets | 8.3312% | 3,019 |
| Core capital (leverage) ratio | 11.8481% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $464,689,000 | 1,839 |
| Average earning assets | $425,833,000 | 1,845 |
| Average equity | $36,888,500 | 2,011 |
| Average total loans | $250,206,000 | 2,027 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 3,019 |
| Cost of funding earning assets | 0.3515% | 2,462 |
| Net interest margin | 3.1718% | 2,957 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.6553% | 1,664 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6284% | 3,807 |
| Return on assets (ROA) | 0.6284% | 3,761 |
| Pretax return on assets | 0.7005% | 3,843 |
| Return on Equity (ROE) | 7.2600% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.8706% | 2,692 |
| Net charge-offs to loans | 0.0156% | 1,804 |
| Credit loss provision to net charge-offs | 728.9474% | 530 |
| Earnings coverage of net charge-offs (x) | 93.6842% | 1,003 |
| Efficiency ratio | 77.7556% | 863 |
| Assets per employee ($millions) | 5.8145% | 2,936 |
| Cash dividends to net income (ytd only)* | 19.0832% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 2,991 |
| Loan loss allowance to noncurrent loans | 90.0466% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 711 |
| Noncurrent loans to loans | 1.1991% | 586 |
| Net loans and leases to total assets | 53.2700% | 3,259 |
| Net loans and leases to deposits | 61.9119% | 3,205 |
| Net loans and leases to core deposits | 64.8475% | 3,216 |
| Total domestic deposits to total assets | 86.0500% | 2,710 |
| Equity capital to assets | 7.5462% | 3,360 |
| Core capital (leverage) ratio | 11.8226% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $468,651,200 | 1,806 |
| Average earning assets | $433,289,600 | 1,811 |
| Average equity | $40,592,000 | 1,900 |
| Average total loans | $242,903,000 | 1,984 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4549% | 2,760 |
| Cost of funding earning assets | 0.2769% | 2,416 |
| Net interest margin | 3.1780% | 2,689 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.6665% | 1,544 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6344% | 3,738 |
| Return on assets (ROA) | 0.6344% | 3,692 |
| Pretax return on assets | 0.7079% | 3,786 |
| Return on Equity (ROE) | 7.1000% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.2019% | 2,675 |
| Net charge-offs to loans | 0.0138% | 1,605 |
| Credit loss provision to net charge-offs | 828.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 912 |
| Efficiency ratio | 77.6675% | 943 |
| Assets per employee ($millions) | 6.0518% | 2,717 |
| Cash dividends to net income (ytd only)* | 12.6231% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,147 |
| Loan loss allowance to noncurrent loans | 111.5838% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 747 |
| Noncurrent loans to loans | 0.9584% | 816 |
| Net loans and leases to total assets | 52.5900% | 3,225 |
| Net loans and leases to deposits | 62.4667% | 2,986 |
| Net loans and leases to core deposits | 65.6648% | 2,972 |
| Total domestic deposits to total assets | 84.1900% | 3,456 |
| Equity capital to assets | 6.6909% | 3,662 |
| Core capital (leverage) ratio | 11.6411% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $469,524,000 | 1,813 |
| Average earning assets | $435,232,750 | 1,810 |
| Average equity | $41,964,500 | 1,885 |
| Average total loans | $241,000,250 | 1,990 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 2,439 |
| Cost of funding earning assets | 0.2520% | 2,235 |
| Net interest margin | 3.1472% | 2,378 |
| Noninterest income to average assets | 0.5065% | 2,167 |
| Noninterest expense to average assets | 2.6531% | 1,498 |
| Loan and lease loss provision to assets | 0.0608% | 1,506 |
| Net operating income to assets | 0.6446% | 3,493 |
| Return on assets (ROA) | 0.6446% | 3,442 |
| Pretax return on assets | 0.7219% | 3,524 |
| Return on Equity (ROE) | 6.6594% | 3,410 |
| Retained earnings to average equity (ytd only) | 5.4215% | 2,545 |
| Net charge-offs to loans | 0.0159% | 1,437 |
| Credit loss provision to net charge-offs | 752.6316% | 489 |
| Earnings coverage of net charge-offs (x) | 96.9474% | 831 |
| Efficiency ratio | 77.2199% | 1,154 |
| Assets per employee ($millions) | 5.7745% | 2,955 |
| Cash dividends to net income (ytd only)* | 18.5893% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,311 |
| Loan loss allowance to noncurrent loans | 121.4152% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 817 |
| Noncurrent loans to loans | 0.8754% | 971 |
| Net loans and leases to total assets | 52.2057% | 3,131 |
| Net loans and leases to deposits | 59.3711% | 3,102 |
| Net loans and leases to core deposits | 61.7580% | 3,134 |
| Total domestic deposits to total assets | 87.9312% | 2,599 |
| Equity capital to assets | 7.9221% | 3,184 |
| Core capital (leverage) ratio | 11.3959% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,702,000 | 1,816 |
| Average earning assets | $438,108,000 | 1,818 |
| Average equity | $45,559,667 | 1,812 |
| Average total loans | $238,766,333 | 2,002 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 2,310 |
| Cost of funding earning assets | 0.2443% | 2,225 |
| Net interest margin | 3.0801% | 2,234 |
| Noninterest income to average assets | 0.4361% | 2,463 |
| Noninterest expense to average assets | 2.6606% | 1,449 |
| Loan and lease loss provision to assets | 0.0623% | 1,297 |
| Net operating income to assets | 0.5405% | 3,594 |
| Return on assets (ROA) | 0.5405% | 3,560 |
| Pretax return on assets | 0.5902% | 3,661 |
| Return on Equity (ROE) | 5.1318% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.1318% | 2,546 |
| Net charge-offs to loans | 0.0102% | 1,392 |
| Credit loss provision to net charge-offs | 1,233.3333% | 298 |
| Earnings coverage of net charge-offs (x) | 129.1667% | 586 |
| Efficiency ratio | 80.3050% | 1,129 |
| Assets per employee ($millions) | 5.6081% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,490 |
| Loan loss allowance to noncurrent loans | 118.1352% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 764 |
| Noncurrent loans to loans | 0.8985% | 1,031 |
| Net loans and leases to total assets | 50.1397% | 3,159 |
| Net loans and leases to deposits | 57.9154% | 3,087 |
| Net loans and leases to core deposits | 60.3714% | 3,111 |
| Total domestic deposits to total assets | 86.5740% | 3,083 |
| Equity capital to assets | 9.4725% | 2,311 |
| Core capital (leverage) ratio | 10.9490% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,072,500 | 1,813 |
| Average earning assets | $443,759,000 | 1,812 |
| Average equity | $50,041,000 | 1,743 |
| Average total loans | $236,269,000 | 2,009 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3532% | 3,042 |
| Cost of funding earning assets | 0.3030% | 2,384 |
| Net interest margin | 3.0502% | 3,050 |
| Noninterest income to average assets | 0.4717% | 2,714 |
| Noninterest expense to average assets | 2.6267% | 1,807 |
| Loan and lease loss provision to assets | 0.0544% | 1,967 |
| Net operating income to assets | 0.5674% | 3,941 |
| Return on assets (ROA) | 0.6848% | 3,716 |
| Pretax return on assets | 0.7672% | 3,795 |
| Return on Equity (ROE) | 5.8403% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5030% | 3,005 |
| Net charge-offs to loans | 0.0680% | 1,115 |
| Credit loss provision to net charge-offs | 162.0253% | 1,445 |
| Earnings coverage of net charge-offs (x) | 20.5443% | 1,854 |
| Efficiency ratio | 79.2043% | 860 |
| Assets per employee ($millions) | 5.6386% | 3,128 |
| Cash dividends to net income (ytd only)* | 22.8979% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,546 |
| Loan loss allowance to noncurrent loans | 112.9579% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 854 |
| Noncurrent loans to loans | 0.9341% | 1,086 |
| Net loans and leases to total assets | 48.2683% | 3,476 |
| Net loans and leases to deposits | 57.2404% | 3,317 |
| Net loans and leases to core deposits | 59.5709% | 3,346 |
| Total domestic deposits to total assets | 84.3256% | 3,466 |
| Equity capital to assets | 11.4879% | 1,516 |
| Core capital (leverage) ratio | 11.0110% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,659,200 | 1,772 |
| Average earning assets | $438,950,400 | 1,772 |
| Average equity | $55,185,200 | 1,627 |
| Average total loans | $232,412,400 | 2,035 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4155% | 3,057 |
| Cost of funding earning assets | 0.3163% | 2,443 |
| Net interest margin | 3.0992% | 3,056 |
| Noninterest income to average assets | 0.4798% | 2,713 |
| Noninterest expense to average assets | 2.6006% | 1,834 |
| Loan and lease loss provision to assets | 0.0561% | 1,863 |
| Net operating income to assets | 0.6257% | 3,961 |
| Return on assets (ROA) | 0.7692% | 3,663 |
| Pretax return on assets | 0.8720% | 3,755 |
| Return on Equity (ROE) | 6.5268% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.7107% | 2,949 |
| Net charge-offs to loans | 0.0460% | 1,207 |
| Credit loss provision to net charge-offs | 246.2500% | 1,108 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,463 |
| Efficiency ratio | 77.2704% | 936 |
| Assets per employee ($millions) | 5.7128% | 2,972 |
| Cash dividends to net income (ytd only)* | 12.5046% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,554 |
| Loan loss allowance to noncurrent loans | 103.5833% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7200% | 1,026 |
| Noncurrent loans to loans | 1.0383% | 1,092 |
| Net loans and leases to total assets | 47.0904% | 3,706 |
| Net loans and leases to deposits | 56.5137% | 3,531 |
| Net loans and leases to core deposits | 59.3286% | 3,529 |
| Total domestic deposits to total assets | 83.3257% | 3,626 |
| Equity capital to assets | 11.4865% | 1,693 |
| Core capital (leverage) ratio | 10.7416% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,504,250 | 1,801 |
| Average earning assets | $436,229,250 | 1,801 |
| Average equity | $55,216,750 | 1,649 |
| Average total loans | $232,063,750 | 2,073 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 2,889 |
| Cost of funding earning assets | 0.3262% | 2,533 |
| Net interest margin | 3.1749% | 2,834 |
| Noninterest income to average assets | 0.4926% | 2,651 |
| Noninterest expense to average assets | 2.6572% | 1,700 |
| Loan and lease loss provision to assets | 0.0540% | 1,954 |
| Net operating income to assets | 0.6522% | 3,870 |
| Return on assets (ROA) | 0.7800% | 3,630 |
| Pretax return on assets | 0.8833% | 3,695 |
| Return on Equity (ROE) | 6.5601% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,991 |
| Net charge-offs to loans | 0.0654% | 963 |
| Credit loss provision to net charge-offs | 164.4737% | 1,129 |
| Earnings coverage of net charge-offs (x) | 24.1184% | 1,445 |
| Efficiency ratio | 77.0358% | 989 |
| Assets per employee ($millions) | 5.5850% | 3,032 |
| Cash dividends to net income (ytd only)* | 15.9557% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,648 |
| Loan loss allowance to noncurrent loans | 88.0554% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,031 |
| Noncurrent loans to loans | 1.1882% | 1,012 |
| Net loans and leases to total assets | 47.0662% | 3,817 |
| Net loans and leases to deposits | 56.4819% | 3,683 |
| Net loans and leases to core deposits | 59.2345% | 3,673 |
| Total domestic deposits to total assets | 83.3297% | 3,630 |
| Equity capital to assets | 11.4317% | 1,670 |
| Core capital (leverage) ratio | 10.6909% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $462,810,000 | 1,807 |
| Average earning assets | $431,011,667 | 1,812 |
| Average equity | $55,030,000 | 1,643 |
| Average total loans | $232,368,000 | 2,082 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 3,116 |
| Cost of funding earning assets | 0.3369% | 2,649 |
| Net interest margin | 3.0950% | 3,003 |
| Noninterest income to average assets | 0.5256% | 2,498 |
| Noninterest expense to average assets | 2.7212% | 1,569 |
| Loan and lease loss provision to assets | 0.0514% | 2,075 |
| Net operating income to assets | 0.5474% | 4,082 |
| Return on assets (ROA) | 0.7525% | 3,638 |
| Pretax return on assets | 0.8500% | 3,723 |
| Return on Equity (ROE) | 6.2002% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.2002% | 2,829 |
| Net charge-offs to loans | 0.0120% | 1,510 |
| Credit loss provision to net charge-offs | 828.5714% | 464 |
| Earnings coverage of net charge-offs (x) | 108.1429% | 591 |
| Efficiency ratio | 80.2195% | 807 |
| Assets per employee ($millions) | 5.4209% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,707 |
| Loan loss allowance to noncurrent loans | 78.2412% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9339% | 904 |
| Noncurrent loans to loans | 1.3240% | 982 |
| Net loans and leases to total assets | 49.5909% | 3,670 |
| Net loans and leases to deposits | 60.4449% | 3,447 |
| Net loans and leases to core deposits | 63.2033% | 3,482 |
| Total domestic deposits to total assets | 82.0433% | 3,884 |
| Equity capital to assets | 11.5352% | 1,523 |
| Core capital (leverage) ratio | 11.1547% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $451,268,000 | 1,839 |
| Average earning assets | $417,961,000 | 1,841 |
| Average equity | $54,772,000 | 1,641 |
| Average total loans | $232,997,000 | 2,079 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 2,473 |
| Cost of funding earning assets | 0.5081% | 2,903 |
| Net interest margin | 3.5747% | 2,233 |
| Noninterest income to average assets | 0.5114% | 2,580 |
| Noninterest expense to average assets | 2.9036% | 1,675 |
| Loan and lease loss provision to assets | 0.0906% | 3,231 |
| Net operating income to assets | 0.6952% | 3,449 |
| Return on assets (ROA) | 0.8756% | 2,941 |
| Pretax return on assets | 1.0264% | 2,955 |
| Return on Equity (ROE) | 6.8329% | 3,266 |
| Retained earnings to average equity (ytd only) | 5.7476% | 1,928 |
| Net charge-offs to loans | 0.0547% | 2,002 |
| Credit loss provision to net charge-offs | 284.9624% | 1,791 |
| Earnings coverage of net charge-offs (x) | 28.4662% | 1,657 |
| Efficiency ratio | 76.2425% | 1,195 |
| Assets per employee ($millions) | 4.7945% | 3,612 |
| Cash dividends to net income (ytd only)* | 15.8843% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,799 |
| Loan loss allowance to noncurrent loans | 70.9706% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 946 |
| Noncurrent loans to loans | 1.4364% | 937 |
| Net loans and leases to total assets | 52.7189% | 3,610 |
| Net loans and leases to deposits | 66.6768% | 3,212 |
| Net loans and leases to core deposits | 70.0761% | 3,246 |
| Total domestic deposits to total assets | 79.0663% | 4,196 |
| Equity capital to assets | 12.8597% | 1,152 |
| Core capital (leverage) ratio | 11.5804% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,442,400 | 1,803 |
| Average earning assets | $385,931,200 | 1,811 |
| Average equity | $53,622,600 | 1,588 |
| Average total loans | $242,946,000 | 1,954 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 2,260 |
| Cost of funding earning assets | 0.5408% | 2,986 |
| Net interest margin | 3.7055% | 1,924 |
| Noninterest income to average assets | 0.5172% | 2,536 |
| Noninterest expense to average assets | 2.9305% | 1,611 |
| Loan and lease loss provision to assets | 0.0684% | 3,474 |
| Net operating income to assets | 0.7883% | 3,135 |
| Return on assets (ROA) | 1.0258% | 2,371 |
| Pretax return on assets | 1.2216% | 2,315 |
| Return on Equity (ROE) | 8.0122% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.2575% | 1,600 |
| Net charge-offs to loans | 0.0662% | 1,665 |
| Credit loss provision to net charge-offs | 173.7705% | 2,213 |
| Earnings coverage of net charge-offs (x) | 25.6311% | 1,717 |
| Efficiency ratio | 74.4234% | 1,372 |
| Assets per employee ($millions) | 4.6477% | 3,661 |
| Cash dividends to net income (ytd only)* | 9.4192% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,090 |
| Loan loss allowance to noncurrent loans | 65.9613% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 1,027 |
| Noncurrent loans to loans | 1.3566% | 1,081 |
| Net loans and leases to total assets | 58.5951% | 3,365 |
| Net loans and leases to deposits | 77.1744% | 2,632 |
| Net loans and leases to core deposits | 82.4245% | 2,630 |
| Total domestic deposits to total assets | 75.9255% | 4,433 |
| Equity capital to assets | 13.1939% | 1,106 |
| Core capital (leverage) ratio | 11.9313% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,977,750 | 1,798 |
| Average earning assets | $382,124,500 | 1,807 |
| Average equity | $53,001,500 | 1,593 |
| Average total loans | $245,587,000 | 1,947 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 2,186 |
| Cost of funding earning assets | 0.5672% | 3,140 |
| Net interest margin | 3.8413% | 1,709 |
| Noninterest income to average assets | 0.5231% | 2,473 |
| Noninterest expense to average assets | 2.9083% | 1,805 |
| Loan and lease loss provision to assets | 0.0781% | 3,321 |
| Net operating income to assets | 0.9092% | 2,655 |
| Return on assets (ROA) | 0.9817% | 2,522 |
| Pretax return on assets | 1.1723% | 2,454 |
| Return on Equity (ROE) | 7.7479% | 2,846 |
| Retained earnings to average equity (ytd only) | 6.6000% | 1,825 |
| Net charge-offs to loans | 0.0073% | 2,691 |
| Credit loss provision to net charge-offs | 1,788.8889% | 533 |
| Earnings coverage of net charge-offs (x) | 266.7778% | 354 |
| Efficiency ratio | 71.4167% | 1,774 |
| Assets per employee ($millions) | 4.8871% | 3,323 |
| Cash dividends to net income (ytd only)* | 14.8148% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 3,993 |
| Loan loss allowance to noncurrent loans | 73.7987% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 1,277 |
| Noncurrent loans to loans | 1.2232% | 1,283 |
| Net loans and leases to total assets | 58.0210% | 3,514 |
| Net loans and leases to deposits | 76.7478% | 2,779 |
| Net loans and leases to core deposits | 82.4599% | 2,737 |
| Total domestic deposits to total assets | 75.5996% | 4,465 |
| Equity capital to assets | 12.6737% | 1,293 |
| Core capital (leverage) ratio | 11.5654% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,539,333 | 1,774 |
| Average earning assets | $381,176,667 | 1,782 |
| Average equity | $52,272,333 | 1,598 |
| Average total loans | $245,012,000 | 1,938 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,029 |
| Cost of funding earning assets | 0.6178% | 3,344 |
| Net interest margin | 3.6449% | 2,526 |
| Noninterest income to average assets | 0.5736% | 2,158 |
| Noninterest expense to average assets | 2.9739% | 1,946 |
| Loan and lease loss provision to assets | 0.0584% | 3,028 |
| Net operating income to assets | 0.7697% | 3,024 |
| Return on assets (ROA) | 0.8629% | 2,748 |
| Pretax return on assets | 1.0243% | 2,763 |
| Return on Equity (ROE) | 6.8105% | 3,019 |
| Retained earnings to average equity (ytd only) | 6.8105% | 1,604 |
| Net charge-offs to loans | 0.0116% | 2,169 |
| Credit loss provision to net charge-offs | 842.8571% | 643 |
| Earnings coverage of net charge-offs (x) | 140.1429% | 453 |
| Efficiency ratio | 75.3703% | 1,637 |
| Assets per employee ($millions) | 4.4385% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,102 |
| Loan loss allowance to noncurrent loans | 86.0024% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,497 |
| Noncurrent loans to loans | 1.0477% | 1,586 |
| Net loans and leases to total assets | 59.8817% | 3,506 |
| Net loans and leases to deposits | 81.2512% | 2,551 |
| Net loans and leases to core deposits | 88.3572% | 2,493 |
| Total domestic deposits to total assets | 73.6995% | 4,679 |
| Equity capital to assets | 12.8460% | 1,526 |
| Core capital (leverage) ratio | 11.8266% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,777,500 | 1,756 |
| Average earning assets | $373,559,000 | 1,768 |
| Average equity | $51,156,000 | 1,620 |
| Average total loans | $241,618,000 | 1,915 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 3,561 |
| Cost of funding earning assets | 0.6762% | 3,278 |
| Net interest margin | 3.6137% | 3,092 |
| Noninterest income to average assets | 0.5525% | 2,462 |
| Noninterest expense to average assets | 2.9142% | 2,251 |
| Loan and lease loss provision to assets | 0.0384% | 3,246 |
| Net operating income to assets | 0.7990% | 3,560 |
| Return on assets (ROA) | 0.8206% | 3,581 |
| Pretax return on assets | 0.9689% | 3,543 |
| Return on Equity (ROE) | 6.9885% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.5710% | 2,120 |
| Net charge-offs to loans | 0.0441% | 2,507 |
| Credit loss provision to net charge-offs | 148.5981% | 1,727 |
| Earnings coverage of net charge-offs (x) | 37.9907% | 1,360 |
| Efficiency ratio | 74.7969% | 1,514 |
| Assets per employee ($millions) | 4.3428% | 3,449 |
| Cash dividends to net income (ytd only)* | 20.2826% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,059 |
| Loan loss allowance to noncurrent loans | 84.1396% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8990% | 1,414 |
| Noncurrent loans to loans | 1.0428% | 1,449 |
| Net loans and leases to total assets | 58.7254% | 3,697 |
| Net loans and leases to deposits | 80.0575% | 2,773 |
| Net loans and leases to core deposits | 87.4769% | 2,659 |
| Total domestic deposits to total assets | 73.3540% | 4,808 |
| Equity capital to assets | 12.4531% | 1,845 |
| Core capital (leverage) ratio | 11.4815% | 2,123 |
| Tier 1 risk-based capital ratio | 19.1059% | 1,489 |
| Total risk-based capital ratio | 19.9860% | 1,543 |
| Memoranda: | ||
| Average total assets | $413,973,000 | 1,696 |
| Average earning assets | $383,047,600 | 1,693 |
| Average equity | $48,608,600 | 1,640 |
| Average total loans | $242,422,200 | 1,876 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 3,663 |
| Cost of funding earning assets | 0.6830% | 3,290 |
| Net interest margin | 3.6140% | 3,218 |
| Noninterest income to average assets | 0.5074% | 2,682 |
| Noninterest expense to average assets | 2.9095% | 2,233 |
| Loan and lease loss provision to assets | 0.0475% | 2,945 |
| Net operating income to assets | 0.7601% | 3,811 |
| Return on assets (ROA) | 0.7751% | 3,826 |
| Pretax return on assets | 0.9102% | 3,840 |
| Return on Equity (ROE) | 6.7010% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.5717% | 2,588 |
| Net charge-offs to loans | 0.0478% | 2,153 |
| Credit loss provision to net charge-offs | 170.1149% | 1,491 |
| Earnings coverage of net charge-offs (x) | 33.6659% | 1,519 |
| Efficiency ratio | 75.5795% | 1,374 |
| Assets per employee ($millions) | 4.3662% | 3,387 |
| Cash dividends to net income (ytd only)* | 16.8529% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,110 |
| Loan loss allowance to noncurrent loans | 120.8050% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 1,839 |
| Noncurrent loans to loans | 0.7322% | 2,135 |
| Net loans and leases to total assets | 58.1828% | 3,866 |
| Net loans and leases to deposits | 79.0772% | 3,006 |
| Net loans and leases to core deposits | 88.4706% | 2,685 |
| Total domestic deposits to total assets | 73.5773% | 4,832 |
| Equity capital to assets | 12.2789% | 2,056 |
| Core capital (leverage) ratio | 11.2708% | 2,406 |
| Tier 1 risk-based capital ratio | 18.8870% | 1,588 |
| Total risk-based capital ratio | 19.7741% | 1,650 |
| Memoranda: | ||
| Average total assets | $415,409,500 | 1,697 |
| Average earning assets | $384,163,500 | 1,704 |
| Average equity | $48,051,500 | 1,658 |
| Average total loans | $242,564,000 | 1,879 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,743 |
| Cost of funding earning assets | 0.6841% | 3,255 |
| Net interest margin | 3.5819% | 3,327 |
| Noninterest income to average assets | 0.5002% | 2,679 |
| Noninterest expense to average assets | 2.9026% | 2,276 |
| Loan and lease loss provision to assets | 0.0504% | 2,810 |
| Net operating income to assets | 0.7378% | 3,871 |
| Return on assets (ROA) | 0.7529% | 3,878 |
| Pretax return on assets | 0.8819% | 3,902 |
| Return on Equity (ROE) | 6.6427% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.9207% | 2,816 |
| Net charge-offs to loans | 0.0576% | 1,820 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 27.2429% | 1,548 |
| Efficiency ratio | 76.0427% | 1,392 |
| Assets per employee ($millions) | 4.6189% | 2,977 |
| Cash dividends to net income (ytd only)* | 25.9236% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,176 |
| Loan loss allowance to noncurrent loans | 107.8421% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 2,007 |
| Noncurrent loans to loans | 0.8130% | 1,964 |
| Net loans and leases to total assets | 57.2233% | 3,988 |
| Net loans and leases to deposits | 78.2399% | 3,132 |
| Net loans and leases to core deposits | 87.2888% | 2,866 |
| Total domestic deposits to total assets | 73.1382% | 4,895 |
| Equity capital to assets | 11.8091% | 2,334 |
| Core capital (leverage) ratio | 10.8998% | 2,691 |
| Tier 1 risk-based capital ratio | 18.6932% | 1,625 |
| Total risk-based capital ratio | 19.5765% | 1,677 |
| Memoranda: | ||
| Average total assets | $417,070,330 | 1,698 |
| Average earning assets | $386,218,000 | 1,696 |
| Average equity | $47,270,000 | 1,674 |
| Average total loans | $243,109,000 | 1,881 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 3,690 |
| Cost of funding earning assets | 0.6798% | 3,151 |
| Net interest margin | 3.5760% | 3,343 |
| Noninterest income to average assets | 0.4855% | 2,640 |
| Noninterest expense to average assets | 2.8792% | 2,331 |
| Loan and lease loss provision to assets | 0.0507% | 2,639 |
| Net operating income to assets | 0.7385% | 3,806 |
| Return on assets (ROA) | 0.7459% | 3,832 |
| Pretax return on assets | 0.8684% | 3,867 |
| Return on Equity (ROE) | 6.7213% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.7213% | 2,151 |
| Net charge-offs to loans | 0.1046% | 1,113 |
| Credit loss provision to net charge-offs | 82.8125% | 1,765 |
| Earnings coverage of net charge-offs (x) | 14.8594% | 1,772 |
| Efficiency ratio | 75.9727% | 1,501 |
| Assets per employee ($millions) | 4.6629% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,387 |
| Loan loss allowance to noncurrent loans | 113.6941% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 2,027 |
| Noncurrent loans to loans | 0.7392% | 2,174 |
| Net loans and leases to total assets | 57.8850% | 3,902 |
| Net loans and leases to deposits | 78.1268% | 3,044 |
| Net loans and leases to core deposits | 88.7386% | 2,614 |
| Total domestic deposits to total assets | 74.0911% | 4,927 |
| Equity capital to assets | 11.1971% | 2,655 |
| Core capital (leverage) ratio | 10.7677% | 2,789 |
| Tier 1 risk-based capital ratio | 17.8550% | 1,829 |
| Total risk-based capital ratio | 18.6879% | 1,906 |
| Memoranda: | ||
| Average total assets | $417,756,500 | 1,699 |
| Average earning assets | $386,021,000 | 1,707 |
| Average equity | $46,360,000 | 1,688 |
| Average total loans | $244,673,500 | 1,893 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 3,615 |
| Cost of funding earning assets | 0.6713% | 2,256 |
| Net interest margin | 3.4699% | 3,802 |
| Noninterest income to average assets | 0.5787% | 2,404 |
| Noninterest expense to average assets | 2.8271% | 2,590 |
| Loan and lease loss provision to assets | 0.0333% | 3,527 |
| Net operating income to assets | 0.7937% | 3,828 |
| Return on assets (ROA) | 0.7979% | 3,819 |
| Pretax return on assets | 0.9269% | 3,824 |
| Return on Equity (ROE) | 7.4628% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.1268% | 2,132 |
| Net charge-offs to loans | 0.0374% | 2,653 |
| Credit loss provision to net charge-offs | 157.4713% | 1,762 |
| Earnings coverage of net charge-offs (x) | 45.1264% | 1,205 |
| Efficiency ratio | 74.7427% | 1,529 |
| Assets per employee ($millions) | 4.5226% | 3,137 |
| Cash dividends to net income (ytd only)* | 17.9018% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,367 |
| Loan loss allowance to noncurrent loans | 97.9186% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 1,818 |
| Noncurrent loans to loans | 0.8651% | 1,868 |
| Net loans and leases to total assets | 58.2335% | 3,940 |
| Net loans and leases to deposits | 79.7924% | 2,978 |
| Net loans and leases to core deposits | 91.0425% | 2,490 |
| Total domestic deposits to total assets | 72.9812% | 5,008 |
| Equity capital to assets | 10.9996% | 2,688 |
| Core capital (leverage) ratio | 10.8283% | 2,700 |
| Tier 1 risk-based capital ratio | 17.5549% | 1,881 |
| Total risk-based capital ratio | 18.3884% | 1,961 |
| Memoranda: | ||
| Average total assets | $410,946,600 | 1,666 |
| Average earning assets | $379,435,400 | 1,674 |
| Average equity | $43,937,800 | 1,702 |
| Average total loans | $232,692,800 | 1,930 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,701 |
| Cost of funding earning assets | 0.6570% | 2,110 |
| Net interest margin | 3.4228% | 3,938 |
| Noninterest income to average assets | 0.5969% | 2,325 |
| Noninterest expense to average assets | 2.8279% | 2,541 |
| Loan and lease loss provision to assets | 0.0355% | 3,299 |
| Net operating income to assets | 0.7745% | 3,995 |
| Return on assets (ROA) | 0.7798% | 3,983 |
| Pretax return on assets | 0.9019% | 4,016 |
| Return on Equity (ROE) | 7.3472% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.3414% | 2,461 |
| Net charge-offs to loans | 0.0366% | 2,350 |
| Credit loss provision to net charge-offs | 173.0159% | 1,549 |
| Earnings coverage of net charge-offs (x) | 45.4115% | 1,244 |
| Efficiency ratio | 75.2294% | 1,434 |
| Assets per employee ($millions) | 4.5987% | 2,978 |
| Cash dividends to net income (ytd only)* | 13.6894% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,406 |
| Loan loss allowance to noncurrent loans | 108.7368% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 2,041 |
| Noncurrent loans to loans | 0.7932% | 2,122 |
| Net loans and leases to total assets | 58.0205% | 4,041 |
| Net loans and leases to deposits | 79.4438% | 3,094 |
| Net loans and leases to core deposits | 92.5051% | 2,432 |
| Total domestic deposits to total assets | 73.0334% | 5,057 |
| Equity capital to assets | 10.6421% | 2,997 |
| Core capital (leverage) ratio | 10.6563% | 2,928 |
| Tier 1 risk-based capital ratio | 17.4846% | 1,937 |
| Total risk-based capital ratio | 18.3252% | 2,020 |
| Memoranda: | ||
| Average total assets | $409,664,000 | 1,677 |
| Average earning assets | $378,471,500 | 1,687 |
| Average equity | $43,480,500 | 1,719 |
| Average total loans | $229,774,500 | 1,956 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,835 |
| Cost of funding earning assets | 0.6406% | 1,984 |
| Net interest margin | 3.3404% | 4,135 |
| Noninterest income to average assets | 0.5583% | 2,532 |
| Noninterest expense to average assets | 2.8190% | 2,605 |
| Loan and lease loss provision to assets | 0.0342% | 3,234 |
| Net operating income to assets | 0.6931% | 4,213 |
| Return on assets (ROA) | 0.7008% | 4,195 |
| Pretax return on assets | 0.8009% | 4,241 |
| Return on Equity (ROE) | 6.6091% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.0995% | 3,021 |
| Net charge-offs to loans | 0.0168% | 2,583 |
| Credit loss provision to net charge-offs | 368.4211% | 873 |
| Earnings coverage of net charge-offs (x) | 89.1053% | 754 |
| Efficiency ratio | 77.3330% | 1,269 |
| Assets per employee ($millions) | 4.8150% | 2,665 |
| Cash dividends to net income (ytd only)* | 22.8412% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,341 |
| Loan loss allowance to noncurrent loans | 116.4792% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 2,144 |
| Noncurrent loans to loans | 0.7729% | 2,192 |
| Net loans and leases to total assets | 55.0538% | 4,242 |
| Net loans and leases to deposits | 75.0348% | 3,435 |
| Net loans and leases to core deposits | 86.7132% | 2,845 |
| Total domestic deposits to total assets | 73.3710% | 5,094 |
| Equity capital to assets | 10.5109% | 3,104 |
| Core capital (leverage) ratio | 10.5473% | 2,984 |
| Tier 1 risk-based capital ratio | 17.1673% | 2,042 |
| Total risk-based capital ratio | 18.0136% | 2,119 |
| Memoranda: | ||
| Average total assets | $409,791,670 | 1,678 |
| Average earning assets | $378,692,670 | 1,692 |
| Average equity | $43,455,330 | 1,725 |
| Average total loans | $226,521,670 | 1,982 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 3,832 |
| Cost of funding earning assets | 0.6409% | 1,773 |
| Net interest margin | 3.2945% | 4,205 |
| Noninterest income to average assets | 0.5289% | 2,638 |
| Noninterest expense to average assets | 2.8515% | 2,525 |
| Loan and lease loss provision to assets | 0.0226% | 3,235 |
| Net operating income to assets | 0.6249% | 4,357 |
| Return on assets (ROA) | 0.6398% | 4,325 |
| Pretax return on assets | 0.7183% | 4,390 |
| Return on Equity (ROE) | 6.0063% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.0063% | 2,703 |
| Net charge-offs to loans | -0.0018% | 3,799 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7475% | 1,169 |
| Assets per employee ($millions) | 4.5970% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,433 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 1,759 |
| Noncurrent loans to loans | 1.1295% | 1,621 |
| Net loans and leases to total assets | 55.4136% | 4,169 |
| Net loans and leases to deposits | 74.3887% | 3,375 |
| Net loans and leases to core deposits | 86.7275% | 2,747 |
| Total domestic deposits to total assets | 74.4920% | 5,107 |
| Equity capital to assets | 10.6245% | 2,947 |
| Core capital (leverage) ratio | 10.3324% | 3,144 |
| Tier 1 risk-based capital ratio | 17.3873% | 2,008 |
| Total risk-based capital ratio | 18.2425% | 2,073 |
| Memoranda: | ||
| Average total assets | $407,644,500 | 1,703 |
| Average earning assets | $376,996,000 | 1,711 |
| Average equity | $43,421,000 | 1,728 |
| Average total loans | $224,762,000 | 2,003 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 3,787 |
| Cost of funding earning assets | 0.5478% | 1,971 |
| Net interest margin | 3.3331% | 4,061 |
| Noninterest income to average assets | 0.5792% | 2,558 |
| Noninterest expense to average assets | 2.7723% | 2,880 |
| Loan and lease loss provision to assets | 0.0401% | 3,464 |
| Net operating income to assets | 0.6897% | 3,642 |
| Return on assets (ROA) | 0.7368% | 3,482 |
| Pretax return on assets | 0.8949% | 3,940 |
| Return on Equity (ROE) | 6.8374% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.6626% | 1,730 |
| Net charge-offs to loans | 0.1127% | 1,935 |
| Credit loss provision to net charge-offs | 65.5870% | 3,157 |
| Earnings coverage of net charge-offs (x) | 14.3401% | 2,334 |
| Efficiency ratio | 75.9571% | 1,623 |
| Assets per employee ($millions) | 4.6651% | 2,923 |
| Cash dividends to net income (ytd only)* | 17.1822% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 4,455 |
| Loan loss allowance to noncurrent loans | 83.6507% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 1,915 |
| Noncurrent loans to loans | 1.0819% | 1,643 |
| Net loans and leases to total assets | 53.9041% | 4,376 |
| Net loans and leases to deposits | 73.4347% | 3,561 |
| Net loans and leases to core deposits | 86.6632% | 2,862 |
| Total domestic deposits to total assets | 73.4042% | 5,235 |
| Equity capital to assets | 10.7596% | 2,885 |
| Core capital (leverage) ratio | 10.2749% | 3,098 |
| Tier 1 risk-based capital ratio | 17.5066% | 1,943 |
| Total risk-based capital ratio | 18.3720% | 2,012 |
| Memoranda: | ||
| Average total assets | $403,635,200 | 1,689 |
| Average earning assets | $371,845,600 | 1,696 |
| Average equity | $43,496,000 | 1,707 |
| Average total loans | $219,140,800 | 2,006 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,801 |
| Cost of funding earning assets | 0.5228% | 2,092 |
| Net interest margin | 3.3353% | 4,063 |
| Noninterest income to average assets | 0.5835% | 2,567 |
| Noninterest expense to average assets | 2.7856% | 2,778 |
| Loan and lease loss provision to assets | 0.0358% | 3,398 |
| Net operating income to assets | 0.6763% | 4,096 |
| Return on assets (ROA) | 0.6930% | 4,086 |
| Pretax return on assets | 0.8512% | 4,205 |
| Return on Equity (ROE) | 6.4284% | 3,940 |
| Retained earnings to average equity (ytd only) | 5.7053% | 2,426 |
| Net charge-offs to loans | 0.1308% | 1,476 |
| Credit loss provision to net charge-offs | 50.4673% | 2,906 |
| Earnings coverage of net charge-offs (x) | 12.2054% | 2,441 |
| Efficiency ratio | 76.2740% | 1,549 |
| Assets per employee ($millions) | 4.5922% | 2,986 |
| Cash dividends to net income (ytd only)* | 11.2496% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8985% | 4,574 |
| Loan loss allowance to noncurrent loans | 94.0291% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 2,270 |
| Noncurrent loans to loans | 0.9556% | 2,015 |
| Net loans and leases to total assets | 53.9712% | 4,419 |
| Net loans and leases to deposits | 75.4126% | 3,429 |
| Net loans and leases to core deposits | 89.2955% | 2,671 |
| Total domestic deposits to total assets | 71.5678% | 5,406 |
| Equity capital to assets | 11.0007% | 2,859 |
| Core capital (leverage) ratio | 10.0843% | 3,460 |
| Tier 1 risk-based capital ratio | 17.2495% | 2,076 |
| Total risk-based capital ratio | 18.1062% | 2,156 |
| Memoranda: | ||
| Average total assets | $401,912,250 | 1,709 |
| Average earning assets | $369,774,000 | 1,721 |
| Average equity | $43,327,250 | 1,730 |
| Average total loans | $218,098,000 | 2,022 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 3,835 |
| Cost of funding earning assets | 0.4713% | 2,402 |
| Net interest margin | 3.3458% | 3,967 |
| Noninterest income to average assets | 0.6225% | 2,365 |
| Noninterest expense to average assets | 2.7960% | 2,779 |
| Loan and lease loss provision to assets | 0.0275% | 3,452 |
| Net operating income to assets | 0.7041% | 3,834 |
| Return on assets (ROA) | 0.7146% | 3,845 |
| Pretax return on assets | 0.8848% | 3,979 |
| Return on Equity (ROE) | 6.6756% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.5770% | 2,368 |
| Net charge-offs to loans | 0.1126% | 1,505 |
| Credit loss provision to net charge-offs | 45.0820% | 2,606 |
| Earnings coverage of net charge-offs (x) | 14.7295% | 2,054 |
| Efficiency ratio | 75.6636% | 1,777 |
| Assets per employee ($millions) | 4.3315% | 3,375 |
| Cash dividends to net income (ytd only)* | 16.4566% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,541 |
| Loan loss allowance to noncurrent loans | 110.9962% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 2,677 |
| Noncurrent loans to loans | 0.8315% | 2,322 |
| Net loans and leases to total assets | 53.7560% | 4,412 |
| Net loans and leases to deposits | 73.8444% | 3,563 |
| Net loans and leases to core deposits | 86.2949% | 2,849 |
| Total domestic deposits to total assets | 72.7963% | 5,404 |
| Equity capital to assets | 10.8935% | 2,933 |
| Core capital (leverage) ratio | 10.2225% | 3,244 |
| Tier 1 risk-based capital ratio | 17.4313% | 2,027 |
| Total risk-based capital ratio | 18.3286% | 2,088 |
| Memoranda: | ||
| Average total assets | $399,646,670 | 1,726 |
| Average earning assets | $367,032,670 | 1,735 |
| Average equity | $42,782,670 | 1,745 |
| Average total loans | $216,602,330 | 2,035 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 3,781 |
| Cost of funding earning assets | 0.4462% | 2,561 |
| Net interest margin | 3.3483% | 3,850 |
| Noninterest income to average assets | 0.5850% | 2,486 |
| Noninterest expense to average assets | 2.8452% | 2,636 |
| Loan and lease loss provision to assets | 0.0192% | 3,326 |
| Net operating income to assets | 0.6501% | 3,936 |
| Return on assets (ROA) | 0.6658% | 3,891 |
| Pretax return on assets | 0.8103% | 4,074 |
| Return on Equity (ROE) | 6.2766% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.2766% | 2,196 |
| Net charge-offs to loans | 0.1623% | 999 |
| Credit loss provision to net charge-offs | 21.8391% | 2,162 |
| Earnings coverage of net charge-offs (x) | 9.2184% | 2,007 |
| Efficiency ratio | 77.8331% | 1,654 |
| Assets per employee ($millions) | 4.3360% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,592 |
| Loan loss allowance to noncurrent loans | 130.7445% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,730 |
| Noncurrent loans to loans | 0.7206% | 2,692 |
| Net loans and leases to total assets | 53.6858% | 4,361 |
| Net loans and leases to deposits | 73.0651% | 3,504 |
| Net loans and leases to core deposits | 81.5533% | 3,136 |
| Total domestic deposits to total assets | 73.4766% | 5,456 |
| Equity capital to assets | 10.6938% | 2,967 |
| Core capital (leverage) ratio | 10.1361% | 3,334 |
| Tier 1 risk-based capital ratio | 17.4213% | 2,055 |
| Total risk-based capital ratio | 18.3294% | 2,113 |
| Memoranda: | ||
| Average total assets | $395,889,000 | 1,748 |
| Average earning assets | $363,054,000 | 1,759 |
| Average equity | $41,997,000 | 1,779 |
| Average total loans | $214,447,000 | 2,067 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 3,756 |
| Cost of funding earning assets | 0.3568% | 3,446 |
| Net interest margin | 3.4891% | 3,479 |
| Noninterest income to average assets | 0.8861% | 1,457 |
| Noninterest expense to average assets | 2.9064% | 2,653 |
| Loan and lease loss provision to assets | 0.2251% | 968 |
| Net operating income to assets | 0.7405% | 3,587 |
| Return on assets (ROA) | 0.8023% | 3,396 |
| Pretax return on assets | 1.0466% | 3,312 |
| Return on Equity (ROE) | 7.2724% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.1992% | 1,611 |
| Net charge-offs to loans | 0.1012% | 2,270 |
| Credit loss provision to net charge-offs | 397.7064% | 800 |
| Earnings coverage of net charge-offs (x) | 21.0505% | 1,819 |
| Efficiency ratio | 70.9244% | 2,760 |
| Assets per employee ($millions) | 4.2658% | 3,498 |
| Cash dividends to net income (ytd only)* | 14.7573% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,395 |
| Loan loss allowance to noncurrent loans | 154.9669% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,077 |
| Noncurrent loans to loans | 0.6389% | 2,938 |
| Net loans and leases to total assets | 53.6606% | 4,465 |
| Net loans and leases to deposits | 71.9943% | 3,712 |
| Net loans and leases to core deposits | 81.4808% | 3,254 |
| Total domestic deposits to total assets | 74.5345% | 5,397 |
| Equity capital to assets | 10.5266% | 3,121 |
| Core capital (leverage) ratio | 10.1289% | 3,332 |
| Tier 1 risk-based capital ratio | 17.3292% | 2,053 |
| Total risk-based capital ratio | 18.2846% | 2,099 |
| Memoranda: | ||
| Average total assets | $385,156,600 | 1,742 |
| Average earning assets | $354,535,600 | 1,753 |
| Average equity | $42,489,600 | 1,740 |
| Average total loans | $215,447,400 | 2,007 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 3,679 |
| Cost of funding earning assets | 0.3372% | 3,686 |
| Net interest margin | 3.5367% | 3,333 |
| Noninterest income to average assets | 0.8800% | 1,474 |
| Noninterest expense to average assets | 2.9224% | 2,568 |
| Loan and lease loss provision to assets | 0.2289% | 881 |
| Net operating income to assets | 0.7518% | 3,599 |
| Return on assets (ROA) | 0.8306% | 3,361 |
| Pretax return on assets | 1.0935% | 3,259 |
| Return on Equity (ROE) | 7.4418% | 3,329 |
| Retained earnings to average equity (ytd only) | 6.8809% | 1,683 |
| Net charge-offs to loans | 0.1240% | 1,718 |
| Credit loss provision to net charge-offs | 327.3632% | 971 |
| Earnings coverage of net charge-offs (x) | 17.4330% | 2,052 |
| Efficiency ratio | 70.5695% | 2,814 |
| Assets per employee ($millions) | 4.2127% | 3,568 |
| Cash dividends to net income (ytd only)* | 7.5376% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,928 |
| Loan loss allowance to noncurrent loans | 169.5922% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 3,393 |
| Noncurrent loans to loans | 0.5196% | 3,437 |
| Net loans and leases to total assets | 56.7520% | 4,225 |
| Net loans and leases to deposits | 81.2216% | 2,828 |
| Net loans and leases to core deposits | 85.9877% | 2,949 |
| Total domestic deposits to total assets | 69.8731% | 5,703 |
| Equity capital to assets | 11.6596% | 2,393 |
| Core capital (leverage) ratio | 10.1319% | 3,400 |
| Tier 1 risk-based capital ratio | 17.4181% | 2,101 |
| Total risk-based capital ratio | 18.3003% | 2,166 |
| Memoranda: | ||
| Average total assets | $383,332,750 | 1,746 |
| Average earning assets | $353,461,250 | 1,757 |
| Average equity | $42,784,000 | 1,737 |
| Average total loans | $216,134,750 | 2,006 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,709 |
| Cost of funding earning assets | 0.3282% | 3,812 |
| Net interest margin | 3.5405% | 3,324 |
| Noninterest income to average assets | 0.7886% | 1,766 |
| Noninterest expense to average assets | 2.9662% | 2,459 |
| Loan and lease loss provision to assets | 0.1877% | 1,156 |
| Net operating income to assets | 0.6873% | 3,859 |
| Return on assets (ROA) | 0.7943% | 3,474 |
| Pretax return on assets | 1.0397% | 3,432 |
| Return on Equity (ROE) | 7.2229% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.3721% | 1,927 |
| Net charge-offs to loans | 0.0408% | 2,643 |
| Credit loss provision to net charge-offs | 820.4545% | 440 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,026 |
| Efficiency ratio | 73.1914% | 2,482 |
| Assets per employee ($millions) | 4.1391% | 3,668 |
| Cash dividends to net income (ytd only)* | 11.7801% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 5,249 |
| Loan loss allowance to noncurrent loans | 100.4530% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 3,210 |
| Noncurrent loans to loans | 0.8089% | 2,729 |
| Net loans and leases to total assets | 56.2547% | 4,280 |
| Net loans and leases to deposits | 78.2312% | 3,132 |
| Net loans and leases to core deposits | 83.1512% | 3,153 |
| Total domestic deposits to total assets | 71.9082% | 5,673 |
| Equity capital to assets | 11.3991% | 2,640 |
| Core capital (leverage) ratio | 9.9349% | 3,644 |
| Tier 1 risk-based capital ratio | 16.6287% | 2,381 |
| Total risk-based capital ratio | 17.4278% | 2,508 |
| Memoranda: | ||
| Average total assets | $384,728,330 | 1,741 |
| Average earning assets | $354,694,670 | 1,752 |
| Average equity | $42,309,670 | 1,752 |
| Average total loans | $215,817,670 | 2,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,403 |
| Cost of funding earning assets | 0.3273% | 3,873 |
| Net interest margin | 3.6226% | 2,996 |
| Noninterest income to average assets | 0.8673% | 1,391 |
| Noninterest expense to average assets | 2.9806% | 2,455 |
| Loan and lease loss provision to assets | 0.1934% | 1,025 |
| Net operating income to assets | 0.7811% | 3,348 |
| Return on assets (ROA) | 0.8767% | 2,983 |
| Pretax return on assets | 1.1575% | 2,862 |
| Return on Equity (ROE) | 8.1204% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.1204% | 1,406 |
| Net charge-offs to loans | 0.0130% | 2,685 |
| Credit loss provision to net charge-offs | 2,657.1429% | 159 |
| Earnings coverage of net charge-offs (x) | 168.2857% | 363 |
| Efficiency ratio | 70.8704% | 2,972 |
| Assets per employee ($millions) | 3.8683% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 5,465 |
| Loan loss allowance to noncurrent loans | 86.8757% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 3,142 |
| Noncurrent loans to loans | 0.8755% | 2,659 |
| Net loans and leases to total assets | 56.8561% | 4,166 |
| Net loans and leases to deposits | 75.9960% | 3,223 |
| Net loans and leases to core deposits | 80.7405% | 3,260 |
| Total domestic deposits to total assets | 74.8146% | 5,540 |
| Equity capital to assets | 11.2460% | 2,685 |
| Core capital (leverage) ratio | 9.6532% | 3,966 |
| Tier 1 risk-based capital ratio | 16.6288% | 2,431 |
| Total risk-based capital ratio | 17.3755% | 2,575 |
| Memoranda: | ||
| Average total assets | $384,625,000 | 1,742 |
| Average earning assets | $354,438,000 | 1,755 |
| Average equity | $41,525,000 | 1,777 |
| Average total loans | $214,567,500 | 2,019 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 5,091 |
| Cost of funding earning assets | 0.2824% | 4,456 |
| Net interest margin | 3.1508% | 4,772 |
| Noninterest income to average assets | 0.5197% | 3,200 |
| Noninterest expense to average assets | 2.8035% | 3,216 |
| Loan and lease loss provision to assets | 0.1253% | 1,925 |
| Net operating income to assets | 0.4452% | 4,901 |
| Return on assets (ROA) | 0.5172% | 4,714 |
| Pretax return on assets | 0.5985% | 4,841 |
| Return on Equity (ROE) | 4.7349% | 4,636 |
| Retained earnings to average equity (ytd only) | -26.0385% | 6,131 |
| Net charge-offs to loans | 0.1062% | 2,330 |
| Credit loss provision to net charge-offs | 215.9292% | 1,314 |
| Earnings coverage of net charge-offs (x) | 11.0354% | 2,631 |
| Efficiency ratio | 81.4116% | 1,489 |
| Assets per employee ($millions) | 4.1066% | 3,747 |
| Cash dividends to net income (ytd only)* | 649.9256% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,667 |
| Loan loss allowance to noncurrent loans | 73.8844% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 3,123 |
| Noncurrent loans to loans | 0.9208% | 2,499 |
| Net loans and leases to total assets | 53.9539% | 4,506 |
| Net loans and leases to deposits | 74.0067% | 3,492 |
| Net loans and leases to core deposits | 79.6146% | 3,388 |
| Total domestic deposits to total assets | 72.9041% | 5,737 |
| Equity capital to assets | 10.4126% | 3,467 |
| Core capital (leverage) ratio | 9.5816% | 4,071 |
| Tier 1 risk-based capital ratio | 16.1507% | 2,620 |
| Total risk-based capital ratio | 16.8064% | 2,835 |
| Memoranda: | ||
| Average total assets | $389,615,200 | 1,688 |
| Average earning assets | $361,558,400 | 1,671 |
| Average equity | $42,556,200 | 1,715 |
| Average total loans | $212,853,600 | 1,974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 5,560 |
| Cost of funding earning assets | 0.2726% | 4,636 |
| Net interest margin | 2.9484% | 5,312 |
| Noninterest income to average assets | 0.4970% | 3,387 |
| Noninterest expense to average assets | 2.7228% | 3,486 |
| Loan and lease loss provision to assets | 0.0892% | 2,374 |
| Net operating income to assets | 0.3815% | 5,230 |
| Return on assets (ROA) | 0.4743% | 4,979 |
| Pretax return on assets | 0.5323% | 5,142 |
| Return on Equity (ROE) | 4.2919% | 4,916 |
| Retained earnings to average equity (ytd only) | -35.5213% | 6,236 |
| Net charge-offs to loans | 0.0658% | 2,635 |
| Credit loss provision to net charge-offs | 247.6190% | 1,149 |
| Earnings coverage of net charge-offs (x) | 14.3520% | 2,256 |
| Efficiency ratio | 84.0360% | 1,168 |
| Assets per employee ($millions) | 4.0709% | 3,758 |
| Cash dividends to net income (ytd only)* | 927.6416% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 5,850 |
| Loan loss allowance to noncurrent loans | 71.6259% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,344 |
| Noncurrent loans to loans | 0.8816% | 2,777 |
| Net loans and leases to total assets | 56.6376% | 4,288 |
| Net loans and leases to deposits | 77.6939% | 3,128 |
| Net loans and leases to core deposits | 84.0002% | 3,039 |
| Total domestic deposits to total assets | 72.8984% | 5,796 |
| Equity capital to assets | 10.8843% | 3,147 |
| Core capital (leverage) ratio | 9.7736% | 3,936 |
| Tier 1 risk-based capital ratio | 16.4584% | 2,599 |
| Total risk-based capital ratio | 17.0737% | 2,817 |
| Memoranda: | ||
| Average total assets | $388,460,750 | 1,704 |
| Average earning assets | $361,405,500 | 1,689 |
| Average equity | $42,932,750 | 1,718 |
| Average total loans | $212,658,250 | 1,983 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,957 |
| Cost of funding earning assets | 0.3214% | 4,138 |
| Net interest margin | 3.1885% | 4,696 |
| Noninterest income to average assets | 0.5453% | 3,071 |
| Noninterest expense to average assets | 2.9798% | 2,618 |
| Loan and lease loss provision to assets | 0.0982% | 2,182 |
| Net operating income to assets | 0.4235% | 5,072 |
| Return on assets (ROA) | 0.5016% | 4,869 |
| Pretax return on assets | 0.5434% | 5,110 |
| Return on Equity (ROE) | 4.4139% | 4,856 |
| Retained earnings to average equity (ytd only) | -67.0339% | 6,330 |
| Net charge-offs to loans | 0.1195% | 1,815 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 9.4516% | 2,451 |
| Efficiency ratio | 84.2586% | 1,234 |
| Assets per employee ($millions) | 4.1981% | 3,474 |
| Cash dividends to net income (ytd only)* | 1,618.6869% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 5,633 |
| Loan loss allowance to noncurrent loans | 221.1268% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 4,704 |
| Noncurrent loans to loans | 0.3557% | 4,429 |
| Net loans and leases to total assets | 49.0093% | 5,010 |
| Net loans and leases to deposits | 72.3201% | 3,686 |
| Net loans and leases to core deposits | 77.9560% | 3,576 |
| Total domestic deposits to total assets | 67.7672% | 6,119 |
| Equity capital to assets | 8.4055% | 5,755 |
| Core capital (leverage) ratio | 9.5918% | 4,145 |
| Tier 1 risk-based capital ratio | 17.1049% | 2,367 |
| Total risk-based capital ratio | 17.8342% | 2,529 |
| Memoranda: | ||
| Average total assets | $315,788,670 | 2,095 |
| Average earning assets | $296,249,670 | 2,068 |
| Average equity | $35,886,330 | 2,008 |
| Average total loans | $155,590,330 | 2,545 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 4,803 |
| Cost of funding earning assets | 0.3255% | 4,161 |
| Net interest margin | 3.2341% | 4,473 |
| Noninterest income to average assets | 0.5563% | 2,915 |
| Noninterest expense to average assets | 2.9546% | 2,725 |
| Loan and lease loss provision to assets | 0.0872% | 2,236 |
| Net operating income to assets | 0.4918% | 4,723 |
| Return on assets (ROA) | 0.5576% | 4,562 |
| Pretax return on assets | 0.6191% | 4,859 |
| Return on Equity (ROE) | 4.3236% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.3197% | 3,990 |
| Net charge-offs to loans | 0.0365% | 2,480 |
| Credit loss provision to net charge-offs | 485.7143% | 569 |
| Earnings coverage of net charge-offs (x) | 35.2857% | 1,047 |
| Efficiency ratio | 82.3508% | 1,577 |
| Assets per employee ($millions) | 3.9384% | 4,083 |
| Cash dividends to net income (ytd only)* | 23.2184% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 5,679 |
| Loan loss allowance to noncurrent loans | 215.1724% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 4,776 |
| Noncurrent loans to loans | 0.3756% | 4,466 |
| Net loans and leases to total assets | 50.5083% | 4,794 |
| Net loans and leases to deposits | 67.1966% | 4,035 |
| Net loans and leases to core deposits | 72.2995% | 3,934 |
| Total domestic deposits to total assets | 75.1650% | 5,815 |
| Equity capital to assets | 13.4549% | 1,189 |
| Core capital (leverage) ratio | 13.6495% | 918 |
| Tier 1 risk-based capital ratio | 25.7216% | 813 |
| Total risk-based capital ratio | 26.4892% | 844 |
| Memoranda: | ||
| Average total assets | $312,057,500 | 2,126 |
| Average earning assets | $292,505,500 | 2,097 |
| Average equity | $40,244,000 | 1,822 |
| Average total loans | $153,546,000 | 2,572 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 5,248 |
| Cost of funding earning assets | 0.3436% | 4,321 |
| Net interest margin | 3.1869% | 4,965 |
| Noninterest income to average assets | 0.5560% | 3,140 |
| Noninterest expense to average assets | 2.8563% | 3,275 |
| Loan and lease loss provision to assets | 0.0546% | 3,462 |
| Net operating income to assets | 0.5343% | 4,667 |
| Return on assets (ROA) | 0.6008% | 4,457 |
| Pretax return on assets | 0.7112% | 4,577 |
| Return on Equity (ROE) | 4.8956% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.3691% | 3,813 |
| Net charge-offs to loans | 0.1363% | 2,656 |
| Credit loss provision to net charge-offs | 86.5000% | 2,721 |
| Earnings coverage of net charge-offs (x) | 10.8850% | 2,573 |
| Efficiency ratio | 80.6213% | 1,830 |
| Assets per employee ($millions) | 4.1598% | 3,614 |
| Cash dividends to net income (ytd only)* | 31.1811% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 5,821 |
| Loan loss allowance to noncurrent loans | 204.1026% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 4,897 |
| Noncurrent loans to loans | 0.3832% | 4,491 |
| Net loans and leases to total assets | 47.2926% | 5,219 |
| Net loans and leases to deposits | 62.0565% | 4,723 |
| Net loans and leases to core deposits | 68.6934% | 4,430 |
| Total domestic deposits to total assets | 76.2089% | 5,702 |
| Equity capital to assets | 12.7076% | 1,535 |
| Core capital (leverage) ratio | 13.0437% | 1,118 |
| Tier 1 risk-based capital ratio | 22.1850% | 1,198 |
| Total risk-based capital ratio | 22.8235% | 1,273 |
| Memoranda: | ||
| Average total assets | $317,087,200 | 2,049 |
| Average earning assets | $297,187,600 | 2,015 |
| Average equity | $38,912,800 | 1,819 |
| Average total loans | $146,767,200 | 2,616 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 5,356 |
| Cost of funding earning assets | 0.3472% | 4,369 |
| Net interest margin | 3.1696% | 5,059 |
| Noninterest income to average assets | 0.5569% | 3,157 |
| Noninterest expense to average assets | 2.8725% | 3,225 |
| Loan and lease loss provision to assets | 0.0459% | 3,467 |
| Net operating income to assets | 0.5160% | 4,821 |
| Return on assets (ROA) | 0.5779% | 4,630 |
| Pretax return on assets | 0.6825% | 4,754 |
| Return on Equity (ROE) | 4.7522% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.7955% | 3,954 |
| Net charge-offs to loans | 0.1780% | 2,026 |
| Credit loss provision to net charge-offs | 56.1856% | 3,008 |
| Earnings coverage of net charge-offs (x) | 8.0155% | 2,866 |
| Efficiency ratio | 81.4195% | 1,684 |
| Assets per employee ($millions) | 4.2579% | 3,368 |
| Cash dividends to net income (ytd only)* | 20.1313% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 6,006 |
| Loan loss allowance to noncurrent loans | 185.3181% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 5,027 |
| Noncurrent loans to loans | 0.4023% | 4,702 |
| Net loans and leases to total assets | 47.3633% | 5,264 |
| Net loans and leases to deposits | 60.6788% | 4,878 |
| Net loans and leases to core deposits | 65.6836% | 4,737 |
| Total domestic deposits to total assets | 78.0558% | 5,519 |
| Equity capital to assets | 12.5123% | 1,694 |
| Core capital (leverage) ratio | 12.9673% | 1,194 |
| Tier 1 risk-based capital ratio | 22.2128% | 1,236 |
| Total risk-based capital ratio | 22.8243% | 1,309 |
| Memoranda: | ||
| Average total assets | $316,283,000 | 2,074 |
| Average earning assets | $296,480,000 | 2,033 |
| Average equity | $38,465,250 | 1,842 |
| Average total loans | $145,290,500 | 2,647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 5,407 |
| Cost of funding earning assets | 0.3519% | 4,418 |
| Net interest margin | 3.1492% | 5,095 |
| Noninterest income to average assets | 0.5583% | 3,062 |
| Noninterest expense to average assets | 2.8808% | 3,234 |
| Loan and lease loss provision to assets | 0.0266% | 3,741 |
| Net operating income to assets | 0.5046% | 4,790 |
| Return on assets (ROA) | 0.5729% | 4,597 |
| Pretax return on assets | 0.6788% | 4,711 |
| Return on Equity (ROE) | 4.7566% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.3028% | 4,099 |
| Net charge-offs to loans | 0.0490% | 3,270 |
| Credit loss provision to net charge-offs | 120.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 28.1143% | 1,315 |
| Efficiency ratio | 82.1900% | 1,717 |
| Assets per employee ($millions) | 3.9655% | 3,911 |
| Cash dividends to net income (ytd only)* | 30.5648% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8268% | 5,914 |
| Loan loss allowance to noncurrent loans | 236.6089% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 5,232 |
| Noncurrent loans to loans | 0.3494% | 4,957 |
| Net loans and leases to total assets | 46.4317% | 5,321 |
| Net loans and leases to deposits | 58.3295% | 5,009 |
| Net loans and leases to core deposits | 66.2040% | 4,617 |
| Total domestic deposits to total assets | 79.6025% | 5,329 |
| Equity capital to assets | 12.3742% | 1,723 |
| Core capital (leverage) ratio | 12.8255% | 1,227 |
| Tier 1 risk-based capital ratio | 22.2474% | 1,224 |
| Total risk-based capital ratio | 22.9170% | 1,295 |
| Memoranda: | ||
| Average total assets | $315,263,330 | 2,075 |
| Average earning assets | $294,991,330 | 2,037 |
| Average equity | $37,968,000 | 1,855 |
| Average total loans | $142,925,000 | 2,687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 5,519 |
| Cost of funding earning assets | 0.3526% | 4,511 |
| Net interest margin | 3.1104% | 5,215 |
| Noninterest income to average assets | 0.5664% | 2,941 |
| Noninterest expense to average assets | 2.9286% | 3,124 |
| Loan and lease loss provision to assets | 0.0102% | 3,697 |
| Net operating income to assets | 0.4601% | 4,896 |
| Return on assets (ROA) | 0.5346% | 4,604 |
| Pretax return on assets | 0.6224% | 4,758 |
| Return on Equity (ROE) | 4.5011% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.5011% | 3,418 |
| Net charge-offs to loans | 0.0400% | 2,828 |
| Credit loss provision to net charge-offs | 57.1429% | 2,131 |
| Earnings coverage of net charge-offs (x) | 30.6429% | 1,042 |
| Efficiency ratio | 84.2857% | 1,639 |
| Assets per employee ($millions) | 4.0812% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,987 |
| Loan loss allowance to noncurrent loans | 409.0909% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,572 |
| Noncurrent loans to loans | 0.2092% | 5,469 |
| Net loans and leases to total assets | 44.7887% | 5,440 |
| Net loans and leases to deposits | 55.5892% | 5,146 |
| Net loans and leases to core deposits | 63.2702% | 4,756 |
| Total domestic deposits to total assets | 80.5709% | 5,364 |
| Equity capital to assets | 12.1085% | 1,799 |
| Core capital (leverage) ratio | 13.2991% | 1,038 |
| Tier 1 risk-based capital ratio | 22.9676% | 1,151 |
| Total risk-based capital ratio | 23.6551% | 1,202 |
| Memoranda: | ||
| Average total assets | $314,275,000 | 2,088 |
| Average earning assets | $293,856,000 | 2,055 |
| Average equity | $37,324,000 | 1,880 |
| Average total loans | $140,123,500 | 2,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 5,265 |
| Cost of funding earning assets | 0.4060% | 4,581 |
| Net interest margin | 3.2490% | 4,840 |
| Noninterest income to average assets | 0.6929% | 2,581 |
| Noninterest expense to average assets | 3.0071% | 3,033 |
| Loan and lease loss provision to assets | 0.0264% | 4,598 |
| Net operating income to assets | 0.5741% | 4,385 |
| Return on assets (ROA) | 0.7631% | 3,577 |
| Pretax return on assets | 0.9396% | 3,599 |
| Return on Equity (ROE) | 6.1170% | 4,021 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,506 |
| Net charge-offs to loans | 0.0442% | 4,602 |
| Credit loss provision to net charge-offs | 131.6667% | 1,791 |
| Earnings coverage of net charge-offs (x) | 36.5333% | 1,019 |
| Efficiency ratio | 80.4076% | 2,084 |
| Assets per employee ($millions) | 4.0295% | 3,805 |
| Cash dividends to net income (ytd only)* | 38.1078% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 5,974 |
| Loan loss allowance to noncurrent loans | 500.4098% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 5,639 |
| Noncurrent loans to loans | 0.1764% | 5,669 |
| Net loans and leases to total assets | 43.6088% | 5,707 |
| Net loans and leases to deposits | 54.0433% | 5,462 |
| Net loans and leases to core deposits | 61.4149% | 5,114 |
| Total domestic deposits to total assets | 80.6923% | 5,271 |
| Equity capital to assets | 11.6440% | 2,068 |
| Core capital (leverage) ratio | 13.3634% | 1,002 |
| Tier 1 risk-based capital ratio | 22.8197% | 1,126 |
| Total risk-based capital ratio | 23.5133% | 1,190 |
| Memoranda: | ||
| Average total assets | $299,159,800 | 2,150 |
| Average earning assets | $280,545,200 | 2,108 |
| Average equity | $37,322,400 | 1,858 |
| Average total loans | $135,725,400 | 2,763 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 5,195 |
| Cost of funding earning assets | 0.4166% | 4,661 |
| Net interest margin | 3.2702% | 4,749 |
| Noninterest income to average assets | 0.7317% | 2,452 |
| Noninterest expense to average assets | 3.0207% | 2,918 |
| Loan and lease loss provision to assets | 0.0316% | 4,377 |
| Net operating income to assets | 0.6056% | 4,322 |
| Return on assets (ROA) | 0.8576% | 3,168 |
| Pretax return on assets | 1.0662% | 3,237 |
| Return on Equity (ROE) | 6.7547% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.6430% | 3,362 |
| Net charge-offs to loans | 0.0474% | 4,230 |
| Credit loss provision to net charge-offs | 145.8333% | 1,616 |
| Earnings coverage of net charge-offs (x) | 36.1241% | 1,081 |
| Efficiency ratio | 79.4208% | 2,200 |
| Assets per employee ($millions) | 3.9064% | 4,025 |
| Cash dividends to net income (ytd only)* | 31.2631% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8810% | 6,106 |
| Loan loss allowance to noncurrent loans | 458.4270% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 5,580 |
| Noncurrent loans to loans | 0.1922% | 5,761 |
| Net loans and leases to total assets | 46.3823% | 5,505 |
| Net loans and leases to deposits | 58.7752% | 5,105 |
| Net loans and leases to core deposits | 68.2737% | 4,505 |
| Total domestic deposits to total assets | 78.9147% | 5,756 |
| Equity capital to assets | 12.2121% | 1,772 |
| Core capital (leverage) ratio | 13.7343% | 942 |
| Tier 1 risk-based capital ratio | 23.1944% | 1,113 |
| Total risk-based capital ratio | 23.9030% | 1,183 |
| Memoranda: | ||
| Average total assets | $295,375,000 | 2,186 |
| Average earning assets | $277,446,750 | 2,139 |
| Average equity | $37,503,750 | 1,863 |
| Average total loans | $135,086,000 | 2,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 5,198 |
| Cost of funding earning assets | 0.4252% | 4,706 |
| Net interest margin | 3.2582% | 4,740 |
| Noninterest income to average assets | 0.7895% | 2,241 |
| Noninterest expense to average assets | 3.0942% | 2,676 |
| Loan and lease loss provision to assets | 0.0278% | 4,372 |
| Net operating income to assets | 0.5897% | 4,345 |
| Return on assets (ROA) | 0.8919% | 2,987 |
| Pretax return on assets | 1.1117% | 3,048 |
| Return on Equity (ROE) | 6.9357% | 3,634 |
| Retained earnings to average equity (ytd only) | 3.8028% | 3,881 |
| Net charge-offs to loans | 0.0404% | 4,113 |
| Credit loss provision to net charge-offs | 151.8519% | 1,520 |
| Earnings coverage of net charge-offs (x) | 41.5926% | 906 |
| Efficiency ratio | 80.2463% | 2,120 |
| Assets per employee ($millions) | 3.8207% | 4,170 |
| Cash dividends to net income (ytd only)* | 45.1711% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,157 |
| Loan loss allowance to noncurrent loans | 226.4432% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 5,426 |
| Noncurrent loans to loans | 0.3942% | 5,285 |
| Net loans and leases to total assets | 45.8937% | 5,546 |
| Net loans and leases to deposits | 56.2620% | 5,307 |
| Net loans and leases to core deposits | 65.0075% | 4,789 |
| Total domestic deposits to total assets | 81.5715% | 5,192 |
| Equity capital to assets | 12.1310% | 1,824 |
| Core capital (leverage) ratio | 13.3585% | 1,034 |
| Tier 1 risk-based capital ratio | 22.7904% | 1,167 |
| Total risk-based capital ratio | 23.4923% | 1,225 |
| Memoranda: | ||
| Average total assets | $294,871,670 | 2,197 |
| Average earning assets | $277,519,330 | 2,145 |
| Average equity | $37,919,670 | 1,854 |
| Average total loans | $133,806,000 | 2,810 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 5,175 |
| Cost of funding earning assets | 0.4332% | 4,770 |
| Net interest margin | 3.2642% | 4,660 |
| Noninterest income to average assets | 0.6138% | 3,060 |
| Noninterest expense to average assets | 3.0812% | 2,729 |
| Loan and lease loss provision to assets | 0.0271% | 4,129 |
| Net operating income to assets | 0.4810% | 4,773 |
| Return on assets (ROA) | 0.8184% | 3,201 |
| Pretax return on assets | 0.9851% | 3,424 |
| Return on Equity (ROE) | 6.1893% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.1893% | 2,576 |
| Net charge-offs to loans | 0.0211% | 3,744 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 63.8571% | 558 |
| Efficiency ratio | 83.5722% | 1,824 |
| Assets per employee ($millions) | 3.8766% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,237 |
| Loan loss allowance to noncurrent loans | 245.4545% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 5,554 |
| Noncurrent loans to loans | 0.3705% | 5,476 |
| Net loans and leases to total assets | 44.9391% | 5,559 |
| Net loans and leases to deposits | 55.7237% | 5,274 |
| Net loans and leases to core deposits | 64.4795% | 4,697 |
| Total domestic deposits to total assets | 80.6462% | 5,586 |
| Equity capital to assets | 13.2388% | 1,323 |
| Core capital (leverage) ratio | 13.3942% | 977 |
| Tier 1 risk-based capital ratio | 23.1107% | 1,143 |
| Total risk-based capital ratio | 23.8240% | 1,209 |
| Memoranda: | ||
| Average total assets | $295,209,000 | 2,221 |
| Average earning assets | $277,925,500 | 2,166 |
| Average equity | $39,035,000 | 1,817 |
| Average total loans | $132,592,000 | 2,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 5,288 |
| Cost of funding earning assets | 0.4917% | 5,279 |
| Net interest margin | 3.5120% | 4,449 |
| Noninterest income to average assets | 0.6636% | 2,914 |
| Noninterest expense to average assets | 3.0648% | 3,030 |
| Loan and lease loss provision to assets | 0.0559% | 5,092 |
| Net operating income to assets | 0.6897% | 3,785 |
| Return on assets (ROA) | 0.8640% | 3,225 |
| Pretax return on assets | 1.0622% | 3,310 |
| Return on Equity (ROE) | 6.3495% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.2894% | 3,204 |
| Net charge-offs to loans | 0.0239% | 5,567 |
| Credit loss provision to net charge-offs | 509.6774% | 476 |
| Earnings coverage of net charge-offs (x) | 82.2903% | 467 |
| Efficiency ratio | 77.2435% | 2,556 |
| Assets per employee ($millions) | 3.8415% | 4,286 |
| Cash dividends to net income (ytd only)* | 32.4457% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,234 |
| Loan loss allowance to noncurrent loans | 426.2411% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 5,880 |
| Noncurrent loans to loans | 0.2143% | 5,938 |
| Net loans and leases to total assets | 44.0732% | 5,809 |
| Net loans and leases to deposits | 54.7022% | 5,585 |
| Net loans and leases to core deposits | 63.0296% | 5,060 |
| Total domestic deposits to total assets | 80.5692% | 5,524 |
| Equity capital to assets | 13.2069% | 1,350 |
| Core capital (leverage) ratio | 13.3688% | 994 |
| Tier 1 risk-based capital ratio | 22.5489% | 1,178 |
| Total risk-based capital ratio | 23.2481% | 1,235 |
| Memoranda: | ||
| Average total assets | $282,532,800 | 2,249 |
| Average earning assets | $265,800,600 | 2,191 |
| Average equity | $38,444,000 | 1,809 |
| Average total loans | $129,600,400 | 2,894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 5,417 |
| Cost of funding earning assets | 0.5038% | 5,411 |
| Net interest margin | 3.5325% | 4,518 |
| Noninterest income to average assets | 0.6733% | 2,864 |
| Noninterest expense to average assets | 3.1487% | 2,724 |
| Loan and lease loss provision to assets | 0.0697% | 4,801 |
| Net operating income to assets | 0.6393% | 4,195 |
| Return on assets (ROA) | 0.8567% | 3,434 |
| Pretax return on assets | 1.0510% | 3,531 |
| Return on Equity (ROE) | 6.2471% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.2861% | 3,165 |
| Net charge-offs to loans | 0.0155% | 5,469 |
| Credit loss provision to net charge-offs | 973.3333% | 293 |
| Earnings coverage of net charge-offs (x) | 119.4635% | 360 |
| Efficiency ratio | 78.6311% | 2,295 |
| Assets per employee ($millions) | 3.7641% | 4,397 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,346 |
| Loan loss allowance to noncurrent loans | 110.6324% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 5,273 |
| Noncurrent loans to loans | 0.8251% | 4,767 |
| Net loans and leases to total assets | 46.4112% | 5,722 |
| Net loans and leases to deposits | 58.5307% | 5,372 |
| Net loans and leases to core deposits | 68.4261% | 4,684 |
| Total domestic deposits to total assets | 79.2937% | 5,804 |
| Equity capital to assets | 13.9456% | 1,181 |
| Core capital (leverage) ratio | 14.0810% | 810 |
| Tier 1 risk-based capital ratio | 25.4695% | 868 |
| Total risk-based capital ratio | 26.2653% | 898 |
| Memoranda: | ||
| Average total assets | $279,216,250 | 2,301 |
| Average earning assets | $263,303,750 | 2,231 |
| Average equity | $38,288,500 | 1,832 |
| Average total loans | $129,108,000 | 2,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 5,359 |
| Cost of funding earning assets | 0.5122% | 5,537 |
| Net interest margin | 3.5772% | 4,359 |
| Noninterest income to average assets | 0.6787% | 2,780 |
| Noninterest expense to average assets | 3.1367% | 2,794 |
| Loan and lease loss provision to assets | 0.0899% | 4,448 |
| Net operating income to assets | 0.6647% | 4,036 |
| Return on assets (ROA) | 0.8656% | 3,326 |
| Pretax return on assets | 1.0741% | 3,397 |
| Return on Equity (ROE) | 6.3488% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.8934% | 3,337 |
| Net charge-offs to loans | 0.0156% | 5,204 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 127.4000% | 349 |
| Efficiency ratio | 77.3993% | 2,540 |
| Assets per employee ($millions) | 3.5636% | 4,833 |
| Cash dividends to net income (ytd only)* | 22.9236% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,435 |
| Loan loss allowance to noncurrent loans | 122.8070% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,455 |
| Noncurrent loans to loans | 0.7393% | 5,032 |
| Net loans and leases to total assets | 46.7233% | 5,755 |
| Net loans and leases to deposits | 58.9383% | 5,351 |
| Net loans and leases to core deposits | 69.6307% | 4,575 |
| Total domestic deposits to total assets | 79.2749% | 5,906 |
| Equity capital to assets | 13.8929% | 1,144 |
| Core capital (leverage) ratio | 13.2451% | 1,074 |
| Tier 1 risk-based capital ratio | 24.3988% | 969 |
| Total risk-based capital ratio | 25.1918% | 1,004 |
| Memoranda: | ||
| Average total assets | $278,186,670 | 2,309 |
| Average earning assets | $262,380,330 | 2,241 |
| Average equity | $37,928,330 | 1,842 |
| Average total loans | $128,068,000 | 2,963 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 5,407 |
| Cost of funding earning assets | 0.5248% | 5,643 |
| Net interest margin | 3.5882% | 4,312 |
| Noninterest income to average assets | 0.6755% | 2,777 |
| Noninterest expense to average assets | 3.1693% | 2,705 |
| Loan and lease loss provision to assets | 0.0891% | 4,248 |
| Net operating income to assets | 0.6787% | 3,989 |
| Return on assets (ROA) | 0.6885% | 4,156 |
| Pretax return on assets | 0.8092% | 4,379 |
| Return on Equity (ROE) | 5.0979% | 4,740 |
| Retained earnings to average equity (ytd only) | 5.0979% | 3,496 |
| Net charge-offs to loans | 0.0095% | 4,598 |
| Credit loss provision to net charge-offs | 2,066.6667% | 152 |
| Earnings coverage of net charge-offs (x) | 205.6667% | 175 |
| Efficiency ratio | 78.1361% | 2,479 |
| Assets per employee ($millions) | 3.7350% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,565 |
| Loan loss allowance to noncurrent loans | 105.4884% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 5,487 |
| Noncurrent loans to loans | 0.8427% | 4,992 |
| Net loans and leases to total assets | 45.1328% | 5,884 |
| Net loans and leases to deposits | 56.4502% | 5,554 |
| Net loans and leases to core deposits | 66.4035% | 4,871 |
| Total domestic deposits to total assets | 79.9516% | 5,862 |
| Equity capital to assets | 13.4980% | 1,239 |
| Core capital (leverage) ratio | 13.5005% | 954 |
| Tier 1 risk-based capital ratio | 25.8724% | 814 |
| Total risk-based capital ratio | 26.6529% | 842 |
| Memoranda: | ||
| Average total assets | $278,299,000 | 2,324 |
| Average earning assets | $262,193,500 | 2,262 |
| Average equity | $37,584,000 | 1,853 |
| Average total loans | $126,570,500 | 3,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 5,446 |
| Cost of funding earning assets | 0.6439% | 5,859 |
| Net interest margin | 3.7509% | 4,077 |
| Noninterest income to average assets | 0.7837% | 2,145 |
| Noninterest expense to average assets | 3.2160% | 2,807 |
| Loan and lease loss provision to assets | 0.0939% | 5,422 |
| Net operating income to assets | 0.8020% | 3,029 |
| Return on assets (ROA) | 0.8595% | 2,921 |
| Pretax return on assets | 1.0504% | 3,031 |
| Return on Equity (ROE) | 6.4131% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.5727% | 2,925 |
| Net charge-offs to loans | 0.1026% | 5,330 |
| Credit loss provision to net charge-offs | 200.8065% | 1,236 |
| Earnings coverage of net charge-offs (x) | 22.9677% | 1,043 |
| Efficiency ratio | 74.9626% | 3,064 |
| Assets per employee ($millions) | 3.5446% | 4,905 |
| Cash dividends to net income (ytd only)* | 28.6968% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,635 |
| Loan loss allowance to noncurrent loans | 151.6220% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 5,810 |
| Noncurrent loans to loans | 0.5646% | 5,585 |
| Net loans and leases to total assets | 45.0328% | 6,106 |
| Net loans and leases to deposits | 56.5153% | 5,836 |
| Net loans and leases to core deposits | 65.6838% | 5,290 |
| Total domestic deposits to total assets | 79.6825% | 5,820 |
| Equity capital to assets | 13.5118% | 1,258 |
| Core capital (leverage) ratio | 13.8686% | 854 |
| Tier 1 risk-based capital ratio | 25.6325% | 806 |
| Total risk-based capital ratio | 26.3750% | 844 |
| Memoranda: | ||
| Average total assets | $265,146,200 | 2,377 |
| Average earning assets | $247,862,400 | 2,324 |
| Average equity | $35,536,800 | 1,905 |
| Average total loans | $120,849,000 | 3,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 5,422 |
| Cost of funding earning assets | 0.6757% | 5,903 |
| Net interest margin | 3.7761% | 3,986 |
| Noninterest income to average assets | 0.8061% | 2,028 |
| Noninterest expense to average assets | 3.2754% | 2,574 |
| Loan and lease loss provision to assets | 0.1006% | 5,192 |
| Net operating income to assets | 0.7813% | 3,246 |
| Return on assets (ROA) | 0.8326% | 3,174 |
| Pretax return on assets | 1.0176% | 3,342 |
| Return on Equity (ROE) | 6.2253% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.6975% | 3,376 |
| Net charge-offs to loans | 0.0735% | 5,225 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 31.4689% | 904 |
| Efficiency ratio | 75.6249% | 2,895 |
| Assets per employee ($millions) | 3.4165% | 5,209 |
| Cash dividends to net income (ytd only)* | 24.5422% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,684 |
| Loan loss allowance to noncurrent loans | 159.8227% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 5,844 |
| Noncurrent loans to loans | 0.5438% | 5,776 |
| Net loans and leases to total assets | 46.9116% | 6,060 |
| Net loans and leases to deposits | 59.5902% | 5,681 |
| Net loans and leases to core deposits | 69.9828% | 4,947 |
| Total domestic deposits to total assets | 78.7237% | 6,043 |
| Equity capital to assets | 14.3256% | 1,049 |
| Core capital (leverage) ratio | 13.7774% | 962 |
| Tier 1 risk-based capital ratio | 25.9117% | 847 |
| Total risk-based capital ratio | 26.6751% | 866 |
| Memoranda: | ||
| Average total assets | $262,313,750 | 2,423 |
| Average earning assets | $244,868,750 | 2,354 |
| Average equity | $35,081,750 | 1,926 |
| Average total loans | $119,666,250 | 3,210 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 5,633 |
| Cost of funding earning assets | 0.6911% | 6,014 |
| Net interest margin | 3.7251% | 4,149 |
| Noninterest income to average assets | 0.7578% | 2,221 |
| Noninterest expense to average assets | 3.2580% | 2,710 |
| Loan and lease loss provision to assets | 0.0977% | 5,099 |
| Net operating income to assets | 0.7245% | 3,418 |
| Return on assets (ROA) | 0.7777% | 3,292 |
| Pretax return on assets | 0.9341% | 3,492 |
| Return on Equity (ROE) | 5.9567% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.6067% | 3,941 |
| Net charge-offs to loans | 0.0813% | 4,828 |
| Credit loss provision to net charge-offs | 266.6667% | 1,139 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,014 |
| Efficiency ratio | 77.0995% | 2,844 |
| Assets per employee ($millions) | 3.3320% | 5,365 |
| Cash dividends to net income (ytd only)* | 39.4504% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 6,768 |
| Loan loss allowance to noncurrent loans | 170.2479% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 6,013 |
| Noncurrent loans to loans | 0.5002% | 5,903 |
| Net loans and leases to total assets | 44.4330% | 6,398 |
| Net loans and leases to deposits | 55.6421% | 6,167 |
| Net loans and leases to core deposits | 65.0984% | 5,601 |
| Total domestic deposits to total assets | 79.8549% | 5,864 |
| Equity capital to assets | 13.4717% | 1,309 |
| Core capital (leverage) ratio | 13.7143% | 939 |
| Tier 1 risk-based capital ratio | 25.4397% | 857 |
| Total risk-based capital ratio | 26.1655% | 895 |
| Memoranda: | ||
| Average total assets | $262,062,670 | 2,441 |
| Average earning assets | $243,966,000 | 2,378 |
| Average equity | $34,213,670 | 1,949 |
| Average total loans | $118,058,000 | 3,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 5,465 |
| Cost of funding earning assets | 0.7414% | 5,916 |
| Net interest margin | 3.7238% | 3,982 |
| Noninterest income to average assets | 0.7531% | 2,245 |
| Noninterest expense to average assets | 3.3469% | 2,413 |
| Loan and lease loss provision to assets | 0.0945% | 4,829 |
| Net operating income to assets | 0.6588% | 3,711 |
| Return on assets (ROA) | 0.7081% | 3,553 |
| Pretax return on assets | 0.8243% | 3,812 |
| Return on Equity (ROE) | 5.5158% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.7054% | 3,950 |
| Net charge-offs to loans | 0.1063% | 3,895 |
| Credit loss provision to net charge-offs | 196.7742% | 1,507 |
| Earnings coverage of net charge-offs (x) | 17.9355% | 1,203 |
| Efficiency ratio | 79.5287% | 2,617 |
| Assets per employee ($millions) | 3.3583% | 5,345 |
| Cash dividends to net income (ytd only)* | 32.8228% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,828 |
| Loan loss allowance to noncurrent loans | 137.6404% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5501% | 5,868 |
| Noncurrent loans to loans | 0.6147% | 5,803 |
| Net loans and leases to total assets | 43.8480% | 6,481 |
| Net loans and leases to deposits | 54.3681% | 6,261 |
| Net loans and leases to core deposits | 64.2365% | 5,697 |
| Total domestic deposits to total assets | 80.6502% | 5,769 |
| Equity capital to assets | 12.8317% | 1,460 |
| Core capital (leverage) ratio | 13.8220% | 892 |
| Tier 1 risk-based capital ratio | 26.3269% | 755 |
| Total risk-based capital ratio | 27.0478% | 783 |
| Memoranda: | ||
| Average total assets | $258,148,000 | 2,490 |
| Average earning assets | $239,541,000 | 2,451 |
| Average equity | $33,141,000 | 1,986 |
| Average total loans | $116,611,500 | 3,324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 5,144 |
| Cost of funding earning assets | 0.8494% | 6,374 |
| Net interest margin | 4.0244% | 2,910 |
| Noninterest income to average assets | 0.8703% | 1,976 |
| Noninterest expense to average assets | 3.4597% | 2,278 |
| Loan and lease loss provision to assets | 0.1538% | 5,668 |
| Net operating income to assets | 0.7909% | 2,845 |
| Return on assets (ROA) | 0.9191% | 2,443 |
| Pretax return on assets | 1.1464% | 2,413 |
| Return on Equity (ROE) | 6.7508% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.8119% | 2,538 |
| Net charge-offs to loans | 0.3749% | 4,163 |
| Credit loss provision to net charge-offs | 87.1854% | 5,239 |
| Earnings coverage of net charge-offs (x) | 6.4622% | 2,354 |
| Efficiency ratio | 75.2172% | 3,160 |
| Assets per employee ($millions) | 3.1401% | 5,792 |
| Cash dividends to net income (ytd only)* | 28.7220% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 6,947 |
| Loan loss allowance to noncurrent loans | 121.4834% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 5,586 |
| Noncurrent loans to loans | 0.6662% | 5,714 |
| Net loans and leases to total assets | 45.7775% | 6,576 |
| Net loans and leases to deposits | 57.4245% | 6,313 |
| Net loans and leases to core deposits | 68.3681% | 5,624 |
| Total domestic deposits to total assets | 79.7177% | 5,907 |
| Equity capital to assets | 12.8445% | 1,469 |
| Core capital (leverage) ratio | 13.9855% | 847 |
| Tier 1 risk-based capital ratio | 25.8965% | 766 |
| Total risk-based capital ratio | 26.5898% | 794 |
| Memoranda: | ||
| Average total assets | $247,736,000 | 2,561 |
| Average earning assets | $229,573,800 | 2,528 |
| Average equity | $33,729,200 | 1,960 |
| Average total loans | $116,551,800 | 3,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 5,058 |
| Cost of funding earning assets | 0.8551% | 6,565 |
| Net interest margin | 4.0898% | 2,674 |
| Noninterest income to average assets | 0.8788% | 1,880 |
| Noninterest expense to average assets | 3.4795% | 2,082 |
| Loan and lease loss provision to assets | 0.1625% | 5,409 |
| Net operating income to assets | 0.8102% | 2,958 |
| Return on assets (ROA) | 0.9780% | 2,427 |
| Pretax return on assets | 1.2483% | 2,340 |
| Return on Equity (ROE) | 7.0795% | 3,309 |
| Retained earnings to average equity (ytd only) | 5.5028% | 2,647 |
| Net charge-offs to loans | 0.4194% | 3,613 |
| Credit loss provision to net charge-offs | 81.9672% | 5,075 |
| Earnings coverage of net charge-offs (x) | 6.0300% | 2,614 |
| Efficiency ratio | 74.4235% | 3,238 |
| Assets per employee ($millions) | 3.0816% | 5,963 |
| Cash dividends to net income (ytd only)* | 22.2716% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 7,001 |
| Loan loss allowance to noncurrent loans | 82.6011% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,949 |
| Noncurrent loans to loans | 0.9707% | 5,295 |
| Net loans and leases to total assets | 46.5938% | 6,649 |
| Net loans and leases to deposits | 59.2330% | 6,369 |
| Net loans and leases to core deposits | 71.1212% | 5,623 |
| Total domestic deposits to total assets | 78.6620% | 6,099 |
| Equity capital to assets | 14.1363% | 1,126 |
| Core capital (leverage) ratio | 13.8631% | 950 |
| Tier 1 risk-based capital ratio | 25.5809% | 807 |
| Total risk-based capital ratio | 26.2786% | 846 |
| Memoranda: | ||
| Average total assets | $246,082,500 | 2,616 |
| Average earning assets | $228,434,250 | 2,579 |
| Average equity | $33,994,000 | 1,968 |
| Average total loans | $116,343,500 | 3,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 4,970 |
| Cost of funding earning assets | 0.8618% | 6,722 |
| Net interest margin | 4.1325% | 2,414 |
| Noninterest income to average assets | 0.8958% | 1,702 |
| Noninterest expense to average assets | 3.5042% | 2,020 |
| Loan and lease loss provision to assets | 0.1249% | 5,638 |
| Net operating income to assets | 0.8622% | 2,686 |
| Return on assets (ROA) | 0.9138% | 2,605 |
| Pretax return on assets | 1.1580% | 2,554 |
| Return on Equity (ROE) | 6.6679% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.2725% | 3,357 |
| Net charge-offs to loans | 0.3257% | 3,696 |
| Credit loss provision to net charge-offs | 80.9524% | 4,685 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 2,219 |
| Efficiency ratio | 74.2131% | 3,437 |
| Assets per employee ($millions) | 3.0841% | 5,965 |
| Cash dividends to net income (ytd only)* | 35.9249% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,958 |
| Loan loss allowance to noncurrent loans | 186.5385% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 6,626 |
| Noncurrent loans to loans | 0.4463% | 6,354 |
| Net loans and leases to total assets | 45.6907% | 6,795 |
| Net loans and leases to deposits | 57.6186% | 6,601 |
| Net loans and leases to core deposits | 69.1639% | 5,956 |
| Total domestic deposits to total assets | 79.2986% | 5,942 |
| Equity capital to assets | 13.6214% | 1,296 |
| Core capital (leverage) ratio | 14.0354% | 920 |
| Tier 1 risk-based capital ratio | 25.4765% | 812 |
| Total risk-based capital ratio | 26.1911% | 832 |
| Memoranda: | ||
| Average total assets | $244,908,000 | 2,654 |
| Average earning assets | $226,740,000 | 2,612 |
| Average equity | $33,563,670 | 1,981 |
| Average total loans | $116,044,330 | 3,477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 4,772 |
| Cost of funding earning assets | 0.8823% | 6,836 |
| Net interest margin | 4.1713% | 2,150 |
| Noninterest income to average assets | 0.9414% | 1,480 |
| Noninterest expense to average assets | 3.5299% | 1,910 |
| Loan and lease loss provision to assets | 0.1644% | 4,882 |
| Net operating income to assets | 0.8850% | 2,612 |
| Return on assets (ROA) | 0.8850% | 2,679 |
| Pretax return on assets | 1.1091% | 2,703 |
| Return on Equity (ROE) | 6.4369% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.4369% | 2,384 |
| Net charge-offs to loans | 0.6045% | 2,304 |
| Credit loss provision to net charge-offs | 56.5714% | 4,374 |
| Earnings coverage of net charge-offs (x) | 4.3829% | 2,638 |
| Efficiency ratio | 73.4877% | 3,666 |
| Assets per employee ($millions) | 3.0163% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7975% | 7,134 |
| Loan loss allowance to noncurrent loans | 211.3636% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,652 |
| Noncurrent loans to loans | 0.3773% | 6,536 |
| Net loans and leases to total assets | 47.9397% | 6,684 |
| Net loans and leases to deposits | 61.2733% | 6,342 |
| Net loans and leases to core deposits | 74.5864% | 5,439 |
| Total domestic deposits to total assets | 78.2392% | 6,256 |
| Equity capital to assets | 13.8864% | 1,177 |
| Core capital (leverage) ratio | 14.3224% | 890 |
| Tier 1 risk-based capital ratio | 25.3667% | 826 |
| Total risk-based capital ratio | 26.0526% | 863 |
| Memoranda: | ||
| Average total assets | $240,914,000 | 2,755 |
| Average earning assets | $223,045,500 | 2,698 |
| Average equity | $33,121,500 | 2,025 |
| Average total loans | $115,806,500 | 3,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 5,615 |
| Cost of funding earning assets | 1.0852% | 7,023 |
| Net interest margin | 4.1232% | 2,352 |
| Noninterest income to average assets | 0.9884% | 1,616 |
| Noninterest expense to average assets | 3.6716% | 1,977 |
| Loan and lease loss provision to assets | 0.1821% | 5,880 |
| Net operating income to assets | 0.7535% | 2,704 |
| Return on assets (ROA) | 1.0564% | 1,682 |
| Pretax return on assets | 1.3289% | 1,614 |
| Return on Equity (ROE) | 7.5004% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.8776% | 1,400 |
| Net charge-offs to loans | 0.2003% | 5,393 |
| Credit loss provision to net charge-offs | 190.3670% | 2,100 |
| Earnings coverage of net charge-offs (x) | 11.7890% | 1,567 |
| Efficiency ratio | 76.5061% | 3,435 |
| Assets per employee ($millions) | 2.8634% | 6,531 |
| Cash dividends to net income (ytd only)* | 21.6362% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 6,904 |
| Loan loss allowance to noncurrent loans | 148.1591% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 6,465 |
| Noncurrent loans to loans | 0.5904% | 6,060 |
| Net loans and leases to total assets | 47.3951% | 6,863 |
| Net loans and leases to deposits | 59.9330% | 6,639 |
| Net loans and leases to core deposits | 80.6843% | 6,022 |
| Total domestic deposits to total assets | 79.0801% | 5,955 |
| Equity capital to assets | 13.6097% | 1,273 |
| Core capital (leverage) ratio | 14.3035% | 928 |
| Tier 1 risk-based capital ratio | 25.0861% | 835 |
| Total risk-based capital ratio | 25.8314% | 864 |
| Memoranda: | ||
| Average total assets | $227,938,000 | 2,846 |
| Average earning assets | $210,660,200 | 2,831 |
| Average equity | $32,104,800 | 2,082 |
| Average total loans | $108,810,800 | 3,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 5,744 |
| Cost of funding earning assets | 1.1281% | 7,103 |
| Net interest margin | 4.1064% | 2,371 |
| Noninterest income to average assets | 0.9739% | 1,694 |
| Noninterest expense to average assets | 3.7148% | 1,785 |
| Loan and lease loss provision to assets | 0.1079% | 6,297 |
| Net operating income to assets | 0.7494% | 3,027 |
| Return on assets (ROA) | 0.9959% | 2,136 |
| Pretax return on assets | 1.2586% | 2,082 |
| Return on Equity (ROE) | 7.0072% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.8845% | 2,007 |
| Net charge-offs to loans | 0.1628% | 5,086 |
| Credit loss provision to net charge-offs | 138.9313% | 3,558 |
| Earnings coverage of net charge-offs (x) | 13.5727% | 1,670 |
| Efficiency ratio | 77.8883% | 3,183 |
| Assets per employee ($millions) | 2.8579% | 6,513 |
| Cash dividends to net income (ytd only)* | 16.0215% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7794% | 7,186 |
| Loan loss allowance to noncurrent loans | 212.8713% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,793 |
| Noncurrent loans to loans | 0.3661% | 6,617 |
| Net loans and leases to total assets | 45.6070% | 7,134 |
| Net loans and leases to deposits | 60.1921% | 6,820 |
| Net loans and leases to core deposits | 81.1791% | 6,256 |
| Total domestic deposits to total assets | 75.7692% | 6,625 |
| Equity capital to assets | 13.8758% | 1,347 |
| Core capital (leverage) ratio | 14.2530% | 1,019 |
| Tier 1 risk-based capital ratio | 25.7930% | 833 |
| Total risk-based capital ratio | 26.4575% | 853 |
| Memoranda: | ||
| Average total assets | $224,790,750 | 2,897 |
| Average earning assets | $207,770,250 | 2,883 |
| Average equity | $31,947,250 | 2,115 |
| Average total loans | $107,262,500 | 3,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 5,488 |
| Cost of funding earning assets | 1.1759% | 7,177 |
| Net interest margin | 4.1566% | 2,136 |
| Noninterest income to average assets | 1.0077% | 1,569 |
| Noninterest expense to average assets | 3.8161% | 1,629 |
| Loan and lease loss provision to assets | 0.1238% | 5,869 |
| Net operating income to assets | 0.7080% | 3,217 |
| Return on assets (ROA) | 1.0815% | 1,908 |
| Pretax return on assets | 1.3855% | 1,769 |
| Return on Equity (ROE) | 7.5446% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.9442% | 2,047 |
| Net charge-offs to loans | 0.1638% | 4,569 |
| Credit loss provision to net charge-offs | 156.3218% | 2,943 |
| Earnings coverage of net charge-offs (x) | 13.0115% | 1,770 |
| Efficiency ratio | 78.7378% | 3,227 |
| Assets per employee ($millions) | 2.6935% | 6,846 |
| Cash dividends to net income (ytd only)* | 21.2121% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 7,163 |
| Loan loss allowance to noncurrent loans | 266.4596% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 6,799 |
| Noncurrent loans to loans | 0.2990% | 6,764 |
| Net loans and leases to total assets | 46.1132% | 7,184 |
| Net loans and leases to deposits | 58.6953% | 6,981 |
| Net loans and leases to core deposits | 79.4512% | 6,449 |
| Total domestic deposits to total assets | 78.5638% | 5,934 |
| Equity capital to assets | 13.5807% | 1,469 |
| Core capital (leverage) ratio | 13.9109% | 1,160 |
| Tier 1 risk-based capital ratio | 25.0323% | 935 |
| Total risk-based capital ratio | 25.7048% | 971 |
| Memoranda: | ||
| Average total assets | $219,699,000 | 2,981 |
| Average earning assets | $202,905,330 | 2,966 |
| Average equity | $31,492,670 | 2,149 |
| Average total loans | $106,234,330 | 3,850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3795% | 5,530 |
| Cost of funding earning assets | 1.2268% | 7,234 |
| Net interest margin | 4.1527% | 2,082 |
| Noninterest income to average assets | 1.0181% | 1,433 |
| Noninterest expense to average assets | 3.8423% | 1,398 |
| Loan and lease loss provision to assets | 0.1235% | 5,380 |
| Net operating income to assets | 0.6710% | 3,702 |
| Return on assets (ROA) | 1.4093% | 1,205 |
| Pretax return on assets | 1.8884% | 822 |
| Return on Equity (ROE) | 9.5590% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.5590% | 1,320 |
| Net charge-offs to loans | 0.1858% | 3,522 |
| Credit loss provision to net charge-offs | 134.6939% | 3,007 |
| Earnings coverage of net charge-offs (x) | 11.2041% | 1,889 |
| Efficiency ratio | 78.9008% | 3,019 |
| Assets per employee ($millions) | 2.5845% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 7,205 |
| Loan loss allowance to noncurrent loans | 216.7979% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 6,574 |
| Noncurrent loans to loans | 0.3631% | 6,522 |
| Net loans and leases to total assets | 46.8417% | 7,121 |
| Net loans and leases to deposits | 60.3478% | 6,866 |
| Net loans and leases to core deposits | 82.3239% | 6,207 |
| Total domestic deposits to total assets | 77.6196% | 6,126 |
| Equity capital to assets | 14.3578% | 1,264 |
| Core capital (leverage) ratio | 14.5322% | 1,074 |
| Tier 1 risk-based capital ratio | 25.7509% | 911 |
| Total risk-based capital ratio | 26.4207% | 942 |
| Memoranda: | ||
| Average total assets | $213,726,000 | 3,069 |
| Average earning assets | $198,234,000 | 3,040 |
| Average equity | $31,509,500 | 2,152 |
| Average total loans | $105,513,000 | 3,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0976% | 5,059 |
| Cost of funding earning assets | 1.4084% | 7,728 |
| Net interest margin | 4.6891% | 991 |
| Noninterest income to average assets | 1.1645% | 1,141 |
| Noninterest expense to average assets | 3.8623% | 1,638 |
| Loan and lease loss provision to assets | 0.1300% | 5,708 |
| Net operating income to assets | 1.1291% | 2,032 |
| Return on assets (ROA) | 1.1291% | 1,952 |
| Pretax return on assets | 1.5090% | 1,660 |
| Return on Equity (ROE) | 7.3178% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.8294% | 1,602 |
| Net charge-offs to loans | 0.1675% | 4,523 |
| Credit loss provision to net charge-offs | 153.8922% | 3,391 |
| Earnings coverage of net charge-offs (x) | 19.4012% | 1,633 |
| Efficiency ratio | 70.2069% | 4,312 |
| Assets per employee ($millions) | 2.4426% | 7,320 |
| Cash dividends to net income (ytd only)* | 20.3405% | 4,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 7,239 |
| Loan loss allowance to noncurrent loans | 218.0593% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,264 |
| Noncurrent loans to loans | 0.3497% | 6,322 |
| Net loans and leases to total assets | 51.3086% | 6,906 |
| Net loans and leases to deposits | 68.4206% | 6,422 |
| Net loans and leases to core deposits | 90.8202% | 5,734 |
| Total domestic deposits to total assets | 74.9900% | 6,455 |
| Equity capital to assets | 15.1602% | 1,121 |
| Core capital (leverage) ratio | 15.3320% | 956 |
| Tier 1 risk-based capital ratio | 25.9442% | 908 |
| Total risk-based capital ratio | 26.6211% | 933 |
| Memoranda: | ||
| Average total assets | $197,679,200 | 3,171 |
| Average earning assets | $182,826,800 | 3,149 |
| Average equity | $30,500,800 | 2,215 |
| Average total loans | $99,691,400 | 3,961 |