Home > Merchants & Planters' Bank > Performance and Condition Ratios
Merchants & Planters' Bank, 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 | 5.7968% | 1,491 |
| Cost of funding earning assets | 1.7870% | 2,480 |
| Net interest margin | 4.0098% | 1,267 |
| Noninterest income to average assets | 1.1300% | 492 |
| Noninterest expense to average assets | 3.5501% | 569 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 0.7103% | 3,085 |
| Return on assets (ROA) | 0.7103% | 3,094 |
| Pretax return on assets | 0.9425% | 2,871 |
| Return on Equity (ROE) | 7.8600% | 2,891 |
| Retained earnings to average equity (ytd only) | 3.8003% | 2,903 |
| Net charge-offs to loans | 0.1236% | 736 |
| Credit loss provision to net charge-offs | 231.4815% | 830 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,501 |
| Efficiency ratio | 76.4211% | 1,209 |
| Assets per employee ($millions) | 4.3210% | 3,977 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,260 |
| Loan loss allowance to noncurrent loans | 28.8327% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.7586% | 300 |
| Noncurrent loans to loans | 3.4524% | 168 |
| Net loans and leases to total assets | 50.4300% | 3,549 |
| Net loans and leases to deposits | 56.3511% | 3,637 |
| Net loans and leases to core deposits | 61.2001% | 3,648 |
| Total domestic deposits to total assets | 89.4900% | 994 |
| Equity capital to assets | 8.9915% | 2,936 |
| Core capital (leverage) ratio | 10.5651% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $327,201,000 | 2,356 |
| Average earning assets | $287,193,000 | 2,437 |
| Average equity | $29,576,500 | 2,443 |
| Average total loans | $174,699,500 | 2,573 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 1,216 |
| Cost of funding earning assets | 1.8321% | 2,642 |
| Net interest margin | 4.2216% | 909 |
| Noninterest income to average assets | 1.1100% | 516 |
| Noninterest expense to average assets | 3.6159% | 508 |
| Loan and lease loss provision to assets | 0.1800% | 759 |
| Net operating income to assets | 0.9045% | 2,365 |
| Return on assets (ROA) | 0.9045% | 2,369 |
| Pretax return on assets | 1.0348% | 2,442 |
| Return on Equity (ROE) | 10.1400% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.8667% | 2,683 |
| Net charge-offs to loans | 0.1429% | 911 |
| Credit loss provision to net charge-offs | 232.7935% | 1,044 |
| Earnings coverage of net charge-offs (x) | 15.8057% | 2,005 |
| Efficiency ratio | 74.8729% | 1,467 |
| Assets per employee ($millions) | 4.0720% | 4,065 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,635 |
| Loan loss allowance to noncurrent loans | 29.1014% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 271 |
| Noncurrent loans to loans | 3.0864% | 175 |
| Net loans and leases to total assets | 55.4300% | 3,311 |
| Net loans and leases to deposits | 62.0766% | 3,439 |
| Net loans and leases to core deposits | 68.2340% | 3,432 |
| Total domestic deposits to total assets | 89.2900% | 1,057 |
| Equity capital to assets | 9.0886% | 2,759 |
| Core capital (leverage) ratio | 10.5919% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $321,718,000 | 2,352 |
| Average earning assets | $283,165,400 | 2,433 |
| Average equity | $28,707,000 | 2,428 |
| Average total loans | $172,840,400 | 2,553 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 1,418 |
| Cost of funding earning assets | 1.7885% | 2,746 |
| Net interest margin | 4.0909% | 1,028 |
| Noninterest income to average assets | 1.1800% | 459 |
| Noninterest expense to average assets | 3.5338% | 558 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.8661% | 2,485 |
| Return on assets (ROA) | 0.8661% | 2,498 |
| Pretax return on assets | 1.0899% | 2,279 |
| Return on Equity (ROE) | 9.7500% | 2,266 |
| Retained earnings to average equity (ytd only) | 4.1528% | 2,790 |
| Net charge-offs to loans | 0.0452% | 1,464 |
| Credit loss provision to net charge-offs | 646.5517% | 534 |
| Earnings coverage of net charge-offs (x) | 51.8103% | 1,181 |
| Efficiency ratio | 73.9421% | 1,597 |
| Assets per employee ($millions) | 4.0124% | 4,117 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 3,814 |
| Loan loss allowance to noncurrent loans | 31.4521% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 300 |
| Noncurrent loans to loans | 2.6907% | 245 |
| Net loans and leases to total assets | 59.3300% | 2,980 |
| Net loans and leases to deposits | 66.6851% | 3,204 |
| Net loans and leases to core deposits | 72.9408% | 3,242 |
| Total domestic deposits to total assets | 88.9600% | 927 |
| Equity capital to assets | 9.4310% | 2,720 |
| Core capital (leverage) ratio | 10.7671% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $321,725,500 | 2,339 |
| Average earning assets | $283,351,750 | 2,435 |
| Average equity | $28,574,500 | 2,438 |
| Average total loans | $171,070,250 | 2,560 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 1,571 |
| Cost of funding earning assets | 1.7237% | 2,819 |
| Net interest margin | 3.9958% | 1,115 |
| Noninterest income to average assets | 1.1700% | 468 |
| Noninterest expense to average assets | 3.5533% | 532 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.8722% | 2,383 |
| Return on assets (ROA) | 0.8722% | 2,398 |
| Pretax return on assets | 1.0838% | 2,251 |
| Return on Equity (ROE) | 10.0200% | 2,179 |
| Retained earnings to average equity (ytd only) | 4.3363% | 2,588 |
| Net charge-offs to loans | 0.0133% | 1,939 |
| Credit loss provision to net charge-offs | 681.8182% | 515 |
| Earnings coverage of net charge-offs (x) | 166.0909% | 572 |
| Efficiency ratio | 75.8684% | 1,473 |
| Assets per employee ($millions) | 3.9174% | 4,141 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 3,995 |
| Loan loss allowance to noncurrent loans | 25.5625% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6465% | 276 |
| Noncurrent loans to loans | 3.0210% | 183 |
| Net loans and leases to total assets | 54.0800% | 3,406 |
| Net loans and leases to deposits | 60.3081% | 3,557 |
| Net loans and leases to core deposits | 65.6425% | 3,562 |
| Total domestic deposits to total assets | 89.6700% | 797 |
| Equity capital to assets | 8.7814% | 2,900 |
| Core capital (leverage) ratio | 10.7268% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $323,308,333 | 2,325 |
| Average earning assets | $284,497,000 | 2,418 |
| Average equity | $28,134,667 | 2,429 |
| Average total loans | $164,876,000 | 2,607 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4262% | 1,958 |
| Cost of funding earning assets | 1.6262% | 2,917 |
| Net interest margin | 3.8000% | 1,369 |
| Noninterest income to average assets | 1.1300% | 470 |
| Noninterest expense to average assets | 3.4407% | 604 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.6857% | 2,887 |
| Return on assets (ROA) | 0.6857% | 2,907 |
| Pretax return on assets | 0.9311% | 2,579 |
| Return on Equity (ROE) | 7.9200% | 2,718 |
| Retained earnings to average equity (ytd only) | 3.6444% | 2,808 |
| Net charge-offs to loans | -0.0651% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.0718% | 1,444 |
| Assets per employee ($millions) | 4.0710% | 4,128 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 3,746 |
| Loan loss allowance to noncurrent loans | 32.7213% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3209% | 367 |
| Noncurrent loans to loans | 2.7080% | 198 |
| Net loans and leases to total assets | 48.3400% | 3,690 |
| Net loans and leases to deposits | 53.8465% | 3,786 |
| Net loans and leases to core deposits | 58.3536% | 3,826 |
| Total domestic deposits to total assets | 89.7800% | 868 |
| Equity capital to assets | 8.7271% | 2,859 |
| Core capital (leverage) ratio | 10.3222% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $324,350,500 | 2,322 |
| Average earning assets | $284,842,500 | 2,419 |
| Average equity | $28,098,000 | 2,441 |
| Average total loans | $159,777,500 | 2,643 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 1,609 |
| Cost of funding earning assets | 1.3071% | 2,498 |
| Net interest margin | 3.9217% | 1,334 |
| Noninterest income to average assets | 1.2100% | 498 |
| Noninterest expense to average assets | 3.4933% | 578 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.7690% | 2,980 |
| Return on assets (ROA) | 0.7690% | 2,956 |
| Pretax return on assets | 0.8916% | 2,987 |
| Return on Equity (ROE) | 9.1600% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.5916% | 3,413 |
| Net charge-offs to loans | 0.9091% | 115 |
| Credit loss provision to net charge-offs | 56.2870% | 2,169 |
| Earnings coverage of net charge-offs (x) | 2.4918% | 2,690 |
| Efficiency ratio | 75.0774% | 1,344 |
| Assets per employee ($millions) | 4.2479% | 4,063 |
| Cash dividends to net income (ytd only)* | 71.7131% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 3,984 |
| Loan loss allowance to noncurrent loans | 33.7349% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 380 |
| Noncurrent loans to loans | 2.3468% | 219 |
| Net loans and leases to total assets | 49.3400% | 3,637 |
| Net loans and leases to deposits | 55.8764% | 3,714 |
| Net loans and leases to core deposits | 60.0675% | 3,761 |
| Total domestic deposits to total assets | 88.3100% | 1,253 |
| Equity capital to assets | 8.5997% | 2,976 |
| Core capital (leverage) ratio | 10.0735% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $326,394,400 | 2,286 |
| Average earning assets | $286,357,600 | 2,374 |
| Average equity | $27,396,400 | 2,395 |
| Average total loans | $167,087,400 | 2,543 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 1,637 |
| Cost of funding earning assets | 1.1551% | 2,577 |
| Net interest margin | 3.9451% | 1,311 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 3.3878% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1301% | 1,967 |
| Return on assets (ROA) | 1.1301% | 1,947 |
| Pretax return on assets | 1.3246% | 1,959 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 8.6475% | 1,781 |
| Net charge-offs to loans | 0.1007% | 780 |
| Credit loss provision to net charge-offs | -15.7480% | 4,478 |
| Earnings coverage of net charge-offs (x) | 25.5197% | 1,685 |
| Efficiency ratio | 71.8907% | 1,582 |
| Assets per employee ($millions) | 4.4537% | 3,972 |
| Cash dividends to net income (ytd only)* | 36.1664% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,523 |
| Loan loss allowance to noncurrent loans | 35.0349% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 230 |
| Noncurrent loans to loans | 2.7494% | 167 |
| Net loans and leases to total assets | 55.5600% | 3,242 |
| Net loans and leases to deposits | 65.6062% | 3,162 |
| Net loans and leases to core deposits | 73.1288% | 3,048 |
| Total domestic deposits to total assets | 84.6800% | 2,604 |
| Equity capital to assets | 7.8688% | 3,136 |
| Core capital (leverage) ratio | 10.3681% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $326,220,000 | 2,291 |
| Average earning assets | $286,495,250 | 2,377 |
| Average equity | $27,213,250 | 2,389 |
| Average total loans | $168,187,500 | 2,543 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 1,722 |
| Cost of funding earning assets | 0.9261% | 2,846 |
| Net interest margin | 3.9911% | 1,260 |
| Noninterest income to average assets | 1.3200% | 378 |
| Noninterest expense to average assets | 3.4331% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1612% | 1,948 |
| Return on assets (ROA) | 1.1612% | 1,941 |
| Pretax return on assets | 1.3918% | 1,834 |
| Return on Equity (ROE) | 13.6500% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.3874% | 2,483 |
| Net charge-offs to loans | 0.1224% | 594 |
| Credit loss provision to net charge-offs | -8.0808% | 4,500 |
| Earnings coverage of net charge-offs (x) | 22.7475% | 1,689 |
| Efficiency ratio | 71.1541% | 1,645 |
| Assets per employee ($millions) | 4.1660% | 4,114 |
| Cash dividends to net income (ytd only)* | 53.2198% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,856 |
| Loan loss allowance to noncurrent loans | 31.9418% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.8364% | 160 |
| Noncurrent loans to loans | 3.5025% | 110 |
| Net loans and leases to total assets | 50.8100% | 3,500 |
| Net loans and leases to deposits | 58.5033% | 3,513 |
| Net loans and leases to core deposits | 63.0177% | 3,497 |
| Total domestic deposits to total assets | 86.8400% | 1,975 |
| Equity capital to assets | 8.5108% | 2,854 |
| Core capital (leverage) ratio | 10.6408% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $323,617,333 | 2,307 |
| Average earning assets | $284,433,333 | 2,399 |
| Average equity | $27,523,000 | 2,388 |
| Average total loans | $161,788,667 | 2,583 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 1,690 |
| Cost of funding earning assets | 0.8218% | 2,645 |
| Net interest margin | 3.9481% | 1,372 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 3.2669% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3992% | 1,413 |
| Return on assets (ROA) | 1.3992% | 1,390 |
| Pretax return on assets | 1.6291% | 1,400 |
| Return on Equity (ROE) | 16.3000% | 1,297 |
| Retained earnings to average equity (ytd only) | 16.3017% | 659 |
| Net charge-offs to loans | 0.1048% | 581 |
| Credit loss provision to net charge-offs | -11.9048% | 4,563 |
| Earnings coverage of net charge-offs (x) | 31.5476% | 1,280 |
| Efficiency ratio | 66.7253% | 2,121 |
| Assets per employee ($millions) | 4.3727% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,221 |
| Loan loss allowance to noncurrent loans | 38.1146% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 438 |
| Noncurrent loans to loans | 1.8753% | 315 |
| Net loans and leases to total assets | 48.9100% | 3,573 |
| Net loans and leases to deposits | 54.6786% | 3,641 |
| Net loans and leases to core deposits | 57.5748% | 3,655 |
| Total domestic deposits to total assets | 89.4500% | 1,357 |
| Equity capital to assets | 9.1010% | 2,438 |
| Core capital (leverage) ratio | 10.4577% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $325,324,500 | 2,334 |
| Average earning assets | $286,210,500 | 2,422 |
| Average equity | $27,923,500 | 2,392 |
| Average total loans | $160,271,500 | 2,617 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 2,207 |
| Cost of funding earning assets | 0.4684% | 1,591 |
| Net interest margin | 3.3567% | 2,398 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 3.0104% | 954 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.6728% | 3,700 |
| Return on assets (ROA) | 0.6728% | 3,649 |
| Pretax return on assets | 0.8709% | 3,429 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,420 |
| Net charge-offs to loans | 0.0917% | 770 |
| Credit loss provision to net charge-offs | 520.2703% | 660 |
| Earnings coverage of net charge-offs (x) | 25.7838% | 1,765 |
| Efficiency ratio | 73.3984% | 1,280 |
| Assets per employee ($millions) | 4.3045% | 4,142 |
| Cash dividends to net income (ytd only)* | 53.1237% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,409 |
| Loan loss allowance to noncurrent loans | 75.3377% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 500 |
| Noncurrent loans to loans | 1.5868% | 405 |
| Net loans and leases to total assets | 48.6800% | 3,617 |
| Net loans and leases to deposits | 53.7938% | 3,689 |
| Net loans and leases to core deposits | 58.3822% | 3,592 |
| Total domestic deposits to total assets | 90.4900% | 1,155 |
| Equity capital to assets | 8.0846% | 3,005 |
| Core capital (leverage) ratio | 9.6091% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $349,753,200 | 2,230 |
| Average earning assets | $312,568,000 | 2,272 |
| Average equity | $28,012,800 | 2,429 |
| Average total loans | $161,310,000 | 2,529 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 2,302 |
| Cost of funding earning assets | 0.3707% | 1,520 |
| Net interest margin | 3.2443% | 2,478 |
| Noninterest income to average assets | 1.1200% | 557 |
| Noninterest expense to average assets | 2.9211% | 1,018 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.7078% | 3,546 |
| Return on assets (ROA) | 0.7078% | 3,499 |
| Pretax return on assets | 0.8948% | 3,333 |
| Return on Equity (ROE) | 8.8600% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.5024% | 2,552 |
| Net charge-offs to loans | 0.0987% | 623 |
| Credit loss provision to net charge-offs | 478.9916% | 628 |
| Earnings coverage of net charge-offs (x) | 24.7731% | 1,619 |
| Efficiency ratio | 72.4769% | 1,446 |
| Assets per employee ($millions) | 4.3713% | 4,139 |
| Cash dividends to net income (ytd only)* | 26.5816% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,575 |
| Loan loss allowance to noncurrent loans | 65.3338% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 540 |
| Noncurrent loans to loans | 1.5003% | 471 |
| Net loans and leases to total assets | 51.4500% | 3,344 |
| Net loans and leases to deposits | 58.3804% | 3,313 |
| Net loans and leases to core deposits | 64.0246% | 3,117 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 7.3148% | 3,327 |
| Core capital (leverage) ratio | 9.3637% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $354,330,750 | 2,223 |
| Average earning assets | $317,961,750 | 2,262 |
| Average equity | $28,317,000 | 2,444 |
| Average total loans | $160,815,750 | 2,541 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 2,752 |
| Cost of funding earning assets | 0.3352% | 1,396 |
| Net interest margin | 2.9608% | 3,002 |
| Noninterest income to average assets | 1.1285% | 525 |
| Noninterest expense to average assets | 2.8555% | 1,066 |
| Loan and lease loss provision to assets | 0.1264% | 771 |
| Net operating income to assets | 0.6328% | 3,530 |
| Return on assets (ROA) | 0.6328% | 3,478 |
| Pretax return on assets | 0.8076% | 3,303 |
| Return on Equity (ROE) | 7.7046% | 3,100 |
| Retained earnings to average equity (ytd only) | 4.2834% | 2,981 |
| Net charge-offs to loans | 0.1547% | 414 |
| Credit loss provision to net charge-offs | 189.0756% | 995 |
| Earnings coverage of net charge-offs (x) | 13.9664% | 1,671 |
| Efficiency ratio | 75.3522% | 1,351 |
| Assets per employee ($millions) | 4.5427% | 4,040 |
| Cash dividends to net income (ytd only)* | 44.4050% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 4,109 |
| Loan loss allowance to noncurrent loans | 48.7937% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 502 |
| Noncurrent loans to loans | 1.7169% | 399 |
| Net loans and leases to total assets | 48.5949% | 3,498 |
| Net loans and leases to deposits | 53.4014% | 3,579 |
| Net loans and leases to core deposits | 57.0912% | 3,485 |
| Total domestic deposits to total assets | 90.9992% | 1,248 |
| Equity capital to assets | 7.7344% | 3,321 |
| Core capital (leverage) ratio | 9.0086% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,873,000 | 2,223 |
| Average earning assets | $319,842,333 | 2,270 |
| Average equity | $29,229,333 | 2,452 |
| Average total loans | $153,857,000 | 2,606 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9699% | 3,342 |
| Cost of funding earning assets | 0.3334% | 1,338 |
| Net interest margin | 2.6364% | 3,564 |
| Noninterest income to average assets | 1.0755% | 587 |
| Noninterest expense to average assets | 2.8742% | 1,008 |
| Loan and lease loss provision to assets | 0.0279% | 1,867 |
| Net operating income to assets | 0.4358% | 3,884 |
| Return on assets (ROA) | 0.4358% | 3,846 |
| Pretax return on assets | 0.5528% | 3,743 |
| Return on Equity (ROE) | 5.1588% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.1588% | 2,527 |
| Net charge-offs to loans | 0.1296% | 433 |
| Credit loss provision to net charge-offs | 53.1915% | 1,186 |
| Earnings coverage of net charge-offs (x) | 11.0851% | 1,447 |
| Efficiency ratio | 83.1935% | 905 |
| Assets per employee ($millions) | 4.8446% | 3,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,958 |
| Loan loss allowance to noncurrent loans | 45.3222% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 588 |
| Noncurrent loans to loans | 2.0507% | 351 |
| Net loans and leases to total assets | 38.3722% | 4,099 |
| Net loans and leases to deposits | 42.2052% | 4,155 |
| Net loans and leases to core deposits | 45.7107% | 4,091 |
| Total domestic deposits to total assets | 90.9183% | 1,077 |
| Equity capital to assets | 7.8630% | 3,672 |
| Core capital (leverage) ratio | 8.9171% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,914,500 | 2,211 |
| Average earning assets | $323,921,000 | 2,270 |
| Average equity | $30,317,000 | 2,465 |
| Average total loans | $145,077,500 | 2,687 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 2,597 |
| Cost of funding earning assets | 0.5670% | 643 |
| Net interest margin | 2.9561% | 3,299 |
| Noninterest income to average assets | 1.2399% | 690 |
| Noninterest expense to average assets | 2.9246% | 1,107 |
| Loan and lease loss provision to assets | 0.2662% | 329 |
| Net operating income to assets | 0.5645% | 3,948 |
| Return on assets (ROA) | 0.5878% | 3,946 |
| Pretax return on assets | 0.7271% | 3,872 |
| Return on Equity (ROE) | 6.4111% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.2730% | 3,510 |
| Net charge-offs to loans | 0.7758% | 92 |
| Credit loss provision to net charge-offs | 70.3422% | 2,015 |
| Earnings coverage of net charge-offs (x) | 2.5490% | 2,581 |
| Efficiency ratio | 75.1998% | 1,187 |
| Assets per employee ($millions) | 4.6036% | 4,033 |
| Cash dividends to net income (ytd only)* | 48.9476% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,086 |
| Loan loss allowance to noncurrent loans | 39.9160% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 500 |
| Noncurrent loans to loans | 2.2299% | 329 |
| Net loans and leases to total assets | 41.7778% | 3,988 |
| Net loans and leases to deposits | 46.6854% | 4,064 |
| Net loans and leases to core deposits | 50.6259% | 3,984 |
| Total domestic deposits to total assets | 89.4879% | 1,246 |
| Equity capital to assets | 9.0440% | 3,578 |
| Core capital (leverage) ratio | 8.9931% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,538,400 | 2,213 |
| Average earning assets | $311,456,800 | 2,277 |
| Average equity | $31,866,400 | 2,429 |
| Average total loans | $169,497,200 | 2,471 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 2,507 |
| Cost of funding earning assets | 0.6238% | 563 |
| Net interest margin | 2.9919% | 3,328 |
| Noninterest income to average assets | 1.1181% | 908 |
| Noninterest expense to average assets | 2.9122% | 1,106 |
| Loan and lease loss provision to assets | 0.1061% | 1,139 |
| Net operating income to assets | 0.6103% | 3,989 |
| Return on assets (ROA) | 0.6204% | 4,021 |
| Pretax return on assets | 0.7885% | 3,909 |
| Return on Equity (ROE) | 6.7423% | 3,732 |
| Retained earnings to average equity (ytd only) | 4.6471% | 3,359 |
| Net charge-offs to loans | 0.0626% | 1,012 |
| Credit loss provision to net charge-offs | 335.3659% | 945 |
| Earnings coverage of net charge-offs (x) | 27.8902% | 1,563 |
| Efficiency ratio | 76.7581% | 980 |
| Assets per employee ($millions) | 4.6400% | 4,014 |
| Cash dividends to net income (ytd only)* | 31.0752% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,622 |
| Loan loss allowance to noncurrent loans | 67.6929% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 510 |
| Noncurrent loans to loans | 1.5645% | 660 |
| Net loans and leases to total assets | 50.6800% | 3,323 |
| Net loans and leases to deposits | 56.7241% | 3,514 |
| Net loans and leases to core deposits | 62.3620% | 3,278 |
| Total domestic deposits to total assets | 89.3447% | 1,100 |
| Equity capital to assets | 9.1484% | 3,698 |
| Core capital (leverage) ratio | 9.0504% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,803,500 | 2,242 |
| Average earning assets | $309,268,750 | 2,304 |
| Average equity | $31,818,250 | 2,467 |
| Average total loans | $174,515,750 | 2,468 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 2,692 |
| Cost of funding earning assets | 0.6582% | 540 |
| Net interest margin | 2.9199% | 3,531 |
| Noninterest income to average assets | 1.1184% | 907 |
| Noninterest expense to average assets | 2.8528% | 1,250 |
| Loan and lease loss provision to assets | 0.1019% | 1,247 |
| Net operating income to assets | 0.6385% | 3,900 |
| Return on assets (ROA) | 0.6538% | 3,929 |
| Pretax return on assets | 0.7935% | 3,875 |
| Return on Equity (ROE) | 7.0917% | 3,637 |
| Retained earnings to average equity (ytd only) | 3.9342% | 3,541 |
| Net charge-offs to loans | 0.0846% | 834 |
| Credit loss provision to net charge-offs | 239.7260% | 980 |
| Earnings coverage of net charge-offs (x) | 20.6301% | 1,521 |
| Efficiency ratio | 76.4908% | 1,038 |
| Assets per employee ($millions) | 4.5665% | 4,055 |
| Cash dividends to net income (ytd only)* | 44.5236% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,831 |
| Loan loss allowance to noncurrent loans | 66.8624% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 541 |
| Noncurrent loans to loans | 1.4915% | 763 |
| Net loans and leases to total assets | 51.4439% | 3,405 |
| Net loans and leases to deposits | 57.5202% | 3,591 |
| Net loans and leases to core deposits | 63.1991% | 3,363 |
| Total domestic deposits to total assets | 89.4363% | 1,063 |
| Equity capital to assets | 9.0672% | 3,741 |
| Core capital (leverage) ratio | 8.9907% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,524,000 | 2,234 |
| Average earning assets | $307,198,667 | 2,303 |
| Average equity | $31,670,667 | 2,467 |
| Average total loans | $172,477,000 | 2,495 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2548% | 3,560 |
| Cost of funding earning assets | 0.6679% | 625 |
| Net interest margin | 2.5869% | 4,173 |
| Noninterest income to average assets | 1.1076% | 970 |
| Noninterest expense to average assets | 2.7996% | 1,371 |
| Loan and lease loss provision to assets | 0.0589% | 1,949 |
| Net operating income to assets | 0.4345% | 4,297 |
| Return on assets (ROA) | 0.4642% | 4,283 |
| Pretax return on assets | 0.5962% | 4,197 |
| Return on Equity (ROE) | 4.9929% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.9929% | 3,224 |
| Net charge-offs to loans | 0.1530% | 510 |
| Credit loss provision to net charge-offs | 78.1250% | 1,216 |
| Earnings coverage of net charge-offs (x) | 8.1875% | 1,587 |
| Efficiency ratio | 81.9310% | 702 |
| Assets per employee ($millions) | 4.5487% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,735 |
| Loan loss allowance to noncurrent loans | 53.2958% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 488 |
| Noncurrent loans to loans | 1.9283% | 575 |
| Net loans and leases to total assets | 46.9078% | 3,897 |
| Net loans and leases to deposits | 52.3596% | 4,029 |
| Net loans and leases to core deposits | 57.0840% | 3,905 |
| Total domestic deposits to total assets | 89.5876% | 1,027 |
| Equity capital to assets | 9.0079% | 3,675 |
| Core capital (leverage) ratio | 9.2911% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,477,000 | 2,241 |
| Average earning assets | $303,060,000 | 2,310 |
| Average equity | $31,565,000 | 2,459 |
| Average total loans | $167,361,500 | 2,532 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 1,199 |
| Cost of funding earning assets | 0.8718% | 940 |
| Net interest margin | 3.6730% | 1,900 |
| Noninterest income to average assets | 1.3360% | 651 |
| Noninterest expense to average assets | 3.4336% | 753 |
| Loan and lease loss provision to assets | 0.2443% | 1,588 |
| Net operating income to assets | 0.7352% | 3,318 |
| Return on assets (ROA) | 0.7383% | 3,427 |
| Pretax return on assets | 0.8919% | 3,386 |
| Return on Equity (ROE) | 7.1530% | 3,145 |
| Retained earnings to average equity (ytd only) | 3.9105% | 2,867 |
| Net charge-offs to loans | 0.2244% | 775 |
| Credit loss provision to net charge-offs | 179.8030% | 2,267 |
| Earnings coverage of net charge-offs (x) | 8.3350% | 2,612 |
| Efficiency ratio | 75.1979% | 1,314 |
| Assets per employee ($millions) | 4.3828% | 4,026 |
| Cash dividends to net income (ytd only)* | 45.3309% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,800 |
| Loan loss allowance to noncurrent loans | 46.3487% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 481 |
| Noncurrent loans to loans | 2.1994% | 491 |
| Net loans and leases to total assets | 50.8063% | 3,761 |
| Net loans and leases to deposits | 57.2163% | 3,931 |
| Net loans and leases to core deposits | 62.7264% | 3,789 |
| Total domestic deposits to total assets | 88.7970% | 1,075 |
| Equity capital to assets | 9.6073% | 3,506 |
| Core capital (leverage) ratio | 9.6859% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,812,400 | 2,296 |
| Average earning assets | $262,784,000 | 2,382 |
| Average equity | $30,840,200 | 2,439 |
| Average total loans | $180,915,600 | 2,406 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,043 |
| Cost of funding earning assets | 0.9131% | 1,028 |
| Net interest margin | 3.7975% | 1,623 |
| Noninterest income to average assets | 1.3771% | 585 |
| Noninterest expense to average assets | 3.5225% | 685 |
| Loan and lease loss provision to assets | 0.3134% | 1,273 |
| Net operating income to assets | 0.8258% | 2,996 |
| Return on assets (ROA) | 0.8306% | 3,105 |
| Pretax return on assets | 0.8787% | 3,439 |
| Return on Equity (ROE) | 7.8940% | 2,845 |
| Retained earnings to average equity (ytd only) | 5.7194% | 2,228 |
| Net charge-offs to loans | 0.2761% | 570 |
| Credit loss provision to net charge-offs | 179.7900% | 2,186 |
| Earnings coverage of net charge-offs (x) | 6.8084% | 2,622 |
| Efficiency ratio | 74.7935% | 1,327 |
| Assets per employee ($millions) | 3.9331% | 4,371 |
| Cash dividends to net income (ytd only)* | 27.5482% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 4,300 |
| Loan loss allowance to noncurrent loans | 26.4221% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 2.5131% | 217 |
| Noncurrent loans to loans | 3.1217% | 290 |
| Net loans and leases to total assets | 67.4944% | 2,319 |
| Net loans and leases to deposits | 76.9032% | 2,667 |
| Net loans and leases to core deposits | 84.7389% | 2,409 |
| Total domestic deposits to total assets | 87.7653% | 1,312 |
| Equity capital to assets | 10.4576% | 2,830 |
| Core capital (leverage) ratio | 10.2856% | 2,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,338,750 | 2,319 |
| Average earning assets | $255,670,750 | 2,408 |
| Average equity | $30,655,250 | 2,438 |
| Average total loans | $183,963,500 | 2,383 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 1,505 |
| Cost of funding earning assets | 0.9599% | 1,106 |
| Net interest margin | 3.7021% | 2,150 |
| Noninterest income to average assets | 1.4136% | 528 |
| Noninterest expense to average assets | 3.5262% | 729 |
| Loan and lease loss provision to assets | 0.2957% | 1,456 |
| Net operating income to assets | 0.7906% | 3,067 |
| Return on assets (ROA) | 0.7979% | 3,165 |
| Pretax return on assets | 0.8403% | 3,473 |
| Return on Equity (ROE) | 7.5668% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.2683% | 2,789 |
| Net charge-offs to loans | 0.2424% | 648 |
| Credit loss provision to net charge-offs | 198.5981% | 1,932 |
| Earnings coverage of net charge-offs (x) | 7.5794% | 2,355 |
| Efficiency ratio | 75.7585% | 1,289 |
| Assets per employee ($millions) | 4.0170% | 4,288 |
| Cash dividends to net income (ytd only)* | 43.5920% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,298 |
| Loan loss allowance to noncurrent loans | 27.3160% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.3716% | 249 |
| Noncurrent loans to loans | 2.9953% | 324 |
| Net loans and leases to total assets | 64.6600% | 2,800 |
| Net loans and leases to deposits | 73.5597% | 3,118 |
| Net loans and leases to core deposits | 80.9026% | 2,877 |
| Total domestic deposits to total assets | 87.9013% | 1,232 |
| Equity capital to assets | 10.2860% | 2,940 |
| Core capital (leverage) ratio | 10.2551% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,501,000 | 2,326 |
| Average earning assets | $251,698,333 | 2,407 |
| Average equity | $30,316,667 | 2,447 |
| Average total loans | $176,582,000 | 2,423 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 2,047 |
| Cost of funding earning assets | 1.0117% | 1,371 |
| Net interest margin | 3.5712% | 2,764 |
| Noninterest income to average assets | 1.6136% | 349 |
| Noninterest expense to average assets | 3.8145% | 609 |
| Loan and lease loss provision to assets | 0.1069% | 2,345 |
| Net operating income to assets | 0.7811% | 2,972 |
| Return on assets (ROA) | 0.7811% | 3,054 |
| Pretax return on assets | 0.8068% | 3,394 |
| Return on Equity (ROE) | 7.3114% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,441 |
| Net charge-offs to loans | 0.2832% | 519 |
| Credit loss provision to net charge-offs | 63.5593% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.4322% | 2,059 |
| Efficiency ratio | 80.6753% | 1,072 |
| Assets per employee ($millions) | 3.7527% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,401 |
| Loan loss allowance to noncurrent loans | 22.3194% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.5692% | 261 |
| Noncurrent loans to loans | 3.6019% | 251 |
| Net loans and leases to total assets | 57.7761% | 3,688 |
| Net loans and leases to deposits | 65.6702% | 3,886 |
| Net loans and leases to core deposits | 72.5284% | 3,728 |
| Total domestic deposits to total assets | 87.9792% | 1,116 |
| Equity capital to assets | 10.3822% | 3,440 |
| Core capital (leverage) ratio | 10.6971% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,615,000 | 2,319 |
| Average earning assets | $244,734,000 | 2,411 |
| Average equity | $29,980,500 | 2,454 |
| Average total loans | $166,668,000 | 2,474 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 1,215 |
| Cost of funding earning assets | 0.9728% | 1,842 |
| Net interest margin | 4.1265% | 1,476 |
| Noninterest income to average assets | 1.3286% | 538 |
| Noninterest expense to average assets | 3.9047% | 596 |
| Loan and lease loss provision to assets | 0.1788% | 1,169 |
| Net operating income to assets | 0.8998% | 3,208 |
| Return on assets (ROA) | 0.9126% | 3,235 |
| Pretax return on assets | 0.8414% | 3,899 |
| Return on Equity (ROE) | 8.3347% | 3,029 |
| Retained earnings to average equity (ytd only) | 4.8963% | 2,474 |
| Net charge-offs to loans | 0.2735% | 761 |
| Credit loss provision to net charge-offs | 98.1405% | 2,535 |
| Earnings coverage of net charge-offs (x) | 5.5289% | 3,073 |
| Efficiency ratio | 79.4911% | 983 |
| Assets per employee ($millions) | 3.4907% | 4,485 |
| Cash dividends to net income (ytd only)* | 41.2541% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,165 |
| Loan loss allowance to noncurrent loans | 43.6250% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.6803% | 555 |
| Noncurrent loans to loans | 1.9390% | 672 |
| Net loans and leases to total assets | 60.1011% | 3,576 |
| Net loans and leases to deposits | 68.8609% | 3,748 |
| Net loans and leases to core deposits | 75.7595% | 3,587 |
| Total domestic deposits to total assets | 87.2789% | 1,465 |
| Equity capital to assets | 11.0040% | 2,994 |
| Core capital (leverage) ratio | 11.1030% | 2,413 |
| Tier 1 risk-based capital ratio | 14.7607% | 2,878 |
| Total risk-based capital ratio | 15.4478% | 3,079 |
| Memoranda: | ||
| Average total assets | $265,625,800 | 2,355 |
| Average earning assets | $230,679,400 | 2,467 |
| Average equity | $29,083,400 | 2,443 |
| Average total loans | $176,988,200 | 2,351 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 1,218 |
| Cost of funding earning assets | 0.9595% | 1,939 |
| Net interest margin | 4.1698% | 1,450 |
| Noninterest income to average assets | 1.3522% | 506 |
| Noninterest expense to average assets | 3.8666% | 612 |
| Loan and lease loss provision to assets | 0.1642% | 1,135 |
| Net operating income to assets | 0.8727% | 3,440 |
| Return on assets (ROA) | 0.8885% | 3,464 |
| Pretax return on assets | 0.9648% | 3,699 |
| Return on Equity (ROE) | 8.1252% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.8156% | 2,453 |
| Net charge-offs to loans | 0.1445% | 1,123 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 11.2873% | 2,451 |
| Efficiency ratio | 77.6684% | 1,134 |
| Assets per employee ($millions) | 3.3796% | 4,612 |
| Cash dividends to net income (ytd only)* | 28.4253% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,300 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.8476% | 527 |
| Noncurrent loans to loans | 1.6653% | 881 |
| Net loans and leases to total assets | 68.4736% | 2,715 |
| Net loans and leases to deposits | 80.4681% | 2,851 |
| Net loans and leases to core deposits | 92.3043% | 2,335 |
| Total domestic deposits to total assets | 85.0941% | 2,391 |
| Equity capital to assets | 11.1529% | 2,968 |
| Core capital (leverage) ratio | 11.0705% | 2,585 |
| Tier 1 risk-based capital ratio | 14.0592% | 3,298 |
| Total risk-based capital ratio | 14.7828% | 3,463 |
| Memoranda: | ||
| Average total assets | $263,964,000 | 2,386 |
| Average earning assets | $229,547,000 | 2,494 |
| Average equity | $28,864,000 | 2,469 |
| Average total loans | $179,976,500 | 2,335 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 1,499 |
| Cost of funding earning assets | 0.8963% | 2,166 |
| Net interest margin | 4.0978% | 1,612 |
| Noninterest income to average assets | 1.3751% | 462 |
| Noninterest expense to average assets | 3.8136% | 651 |
| Loan and lease loss provision to assets | 0.0761% | 2,293 |
| Net operating income to assets | 0.9688% | 3,032 |
| Return on assets (ROA) | 0.9926% | 3,015 |
| Pretax return on assets | 1.0755% | 3,306 |
| Return on Equity (ROE) | 9.1388% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.1388% | 994 |
| Net charge-offs to loans | 0.0616% | 1,763 |
| Credit loss provision to net charge-offs | 181.8182% | 1,304 |
| Earnings coverage of net charge-offs (x) | 26.9091% | 1,560 |
| Efficiency ratio | 77.2097% | 1,245 |
| Assets per employee ($millions) | 3.3664% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,523 |
| Loan loss allowance to noncurrent loans | 32.6577% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.0526% | 444 |
| Noncurrent loans to loans | 2.3770% | 530 |
| Net loans and leases to total assets | 68.8213% | 2,701 |
| Net loans and leases to deposits | 80.5808% | 2,893 |
| Net loans and leases to core deposits | 92.0671% | 2,410 |
| Total domestic deposits to total assets | 85.4065% | 2,302 |
| Equity capital to assets | 11.0184% | 3,026 |
| Core capital (leverage) ratio | 11.4399% | 2,217 |
| Tier 1 risk-based capital ratio | 14.0885% | 3,272 |
| Total risk-based capital ratio | 14.7724% | 3,471 |
| Memoranda: | ||
| Average total assets | $262,955,670 | 2,399 |
| Average earning assets | $228,705,330 | 2,512 |
| Average equity | $28,559,670 | 2,480 |
| Average total loans | $178,518,000 | 2,359 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,846 |
| Cost of funding earning assets | 0.8466% | 2,288 |
| Net interest margin | 3.9748% | 1,930 |
| Noninterest income to average assets | 1.4289% | 421 |
| Noninterest expense to average assets | 3.9157% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8908% | 3,266 |
| Return on assets (ROA) | 0.9146% | 3,219 |
| Pretax return on assets | 1.0024% | 3,429 |
| Return on Equity (ROE) | 8.4850% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.4850% | 1,495 |
| Net charge-offs to loans | 0.0184% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 772 |
| Efficiency ratio | 80.0441% | 1,062 |
| Assets per employee ($millions) | 3.4041% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 4,487 |
| Loan loss allowance to noncurrent loans | 43.1706% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 627 |
| Noncurrent loans to loans | 1.8792% | 811 |
| Net loans and leases to total assets | 66.9008% | 2,916 |
| Net loans and leases to deposits | 76.8594% | 3,179 |
| Net loans and leases to core deposits | 84.5853% | 2,980 |
| Total domestic deposits to total assets | 87.0431% | 1,793 |
| Equity capital to assets | 11.2069% | 2,646 |
| Core capital (leverage) ratio | 11.3010% | 2,286 |
| Tier 1 risk-based capital ratio | 14.3557% | 3,166 |
| Total risk-based capital ratio | 15.0434% | 3,361 |
| Memoranda: | ||
| Average total assets | $259,777,500 | 2,446 |
| Average earning assets | $226,328,000 | 2,545 |
| Average equity | $28,002,500 | 2,519 |
| Average total loans | $174,380,000 | 2,429 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 1,337 |
| Cost of funding earning assets | 0.7098% | 2,031 |
| Net interest margin | 4.1723% | 1,474 |
| Noninterest income to average assets | 1.2344% | 611 |
| Noninterest expense to average assets | 3.6141% | 854 |
| Loan and lease loss provision to assets | 0.1031% | 2,133 |
| Net operating income to assets | 0.9136% | 3,391 |
| Return on assets (ROA) | 0.9136% | 3,380 |
| Pretax return on assets | 1.1843% | 2,941 |
| Return on Equity (ROE) | 8.9350% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.5746% | 2,434 |
| Net charge-offs to loans | 0.1311% | 1,441 |
| Credit loss provision to net charge-offs | 116.3793% | 2,228 |
| Earnings coverage of net charge-offs (x) | 14.5345% | 2,374 |
| Efficiency ratio | 73.7342% | 1,661 |
| Assets per employee ($millions) | 3.5233% | 4,526 |
| Cash dividends to net income (ytd only)* | 37.6097% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,549 |
| Loan loss allowance to noncurrent loans | 48.4149% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 701 |
| Noncurrent loans to loans | 1.6436% | 888 |
| Net loans and leases to total assets | 66.2846% | 3,092 |
| Net loans and leases to deposits | 75.4500% | 3,390 |
| Net loans and leases to core deposits | 88.4827% | 2,710 |
| Total domestic deposits to total assets | 87.8523% | 1,370 |
| Equity capital to assets | 10.3664% | 3,312 |
| Core capital (leverage) ratio | 10.7387% | 2,804 |
| Tier 1 risk-based capital ratio | 14.1205% | 3,235 |
| Total risk-based capital ratio | 14.8151% | 3,420 |
| Memoranda: | ||
| Average total assets | $261,917,400 | 2,386 |
| Average earning assets | $230,210,800 | 2,482 |
| Average equity | $26,782,200 | 2,523 |
| Average total loans | $177,001,200 | 2,356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 1,424 |
| Cost of funding earning assets | 0.6429% | 2,187 |
| Net interest margin | 4.1585% | 1,474 |
| Noninterest income to average assets | 1.2214% | 641 |
| Noninterest expense to average assets | 3.6029% | 853 |
| Loan and lease loss provision to assets | 0.1326% | 1,518 |
| Net operating income to assets | 0.9010% | 3,528 |
| Return on assets (ROA) | 0.9010% | 3,530 |
| Pretax return on assets | 1.1489% | 3,198 |
| Return on Equity (ROE) | 8.8421% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.8394% | 2,213 |
| Net charge-offs to loans | 0.1716% | 967 |
| Credit loss provision to net charge-offs | 114.0351% | 2,061 |
| Earnings coverage of net charge-offs (x) | 11.0176% | 2,550 |
| Efficiency ratio | 73.7623% | 1,630 |
| Assets per employee ($millions) | 3.5190% | 4,537 |
| Cash dividends to net income (ytd only)* | 22.6500% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 4,822 |
| Loan loss allowance to noncurrent loans | 54.3935% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 1,084 |
| Noncurrent loans to loans | 1.3335% | 1,250 |
| Net loans and leases to total assets | 71.5934% | 2,394 |
| Net loans and leases to deposits | 82.8261% | 2,730 |
| Net loans and leases to core deposits | 100.7027% | 1,725 |
| Total domestic deposits to total assets | 86.4381% | 1,998 |
| Equity capital to assets | 10.0691% | 3,571 |
| Core capital (leverage) ratio | 10.5418% | 3,046 |
| Tier 1 risk-based capital ratio | 13.2681% | 3,745 |
| Total risk-based capital ratio | 13.9209% | 3,997 |
| Memoranda: | ||
| Average total assets | $261,335,000 | 2,402 |
| Average earning assets | $230,205,750 | 2,500 |
| Average equity | $26,629,500 | 2,545 |
| Average total loans | $177,111,500 | 2,368 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 1,695 |
| Cost of funding earning assets | 0.5726% | 2,412 |
| Net interest margin | 4.0567% | 1,682 |
| Noninterest income to average assets | 1.2071% | 664 |
| Noninterest expense to average assets | 3.5881% | 878 |
| Loan and lease loss provision to assets | 0.0964% | 2,003 |
| Net operating income to assets | 0.8963% | 3,468 |
| Return on assets (ROA) | 0.8963% | 3,476 |
| Pretax return on assets | 1.0852% | 3,370 |
| Return on Equity (ROE) | 8.7600% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.7600% | 1,300 |
| Net charge-offs to loans | 0.2421% | 654 |
| Credit loss provision to net charge-offs | 60.0962% | 2,426 |
| Earnings coverage of net charge-offs (x) | 7.3654% | 2,550 |
| Efficiency ratio | 75.2264% | 1,528 |
| Assets per employee ($millions) | 3.3867% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 4,940 |
| Loan loss allowance to noncurrent loans | 52.3014% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 1,126 |
| Noncurrent loans to loans | 1.3440% | 1,263 |
| Net loans and leases to total assets | 70.4717% | 2,510 |
| Net loans and leases to deposits | 84.5023% | 2,479 |
| Net loans and leases to core deposits | 93.3569% | 2,279 |
| Total domestic deposits to total assets | 83.3962% | 3,285 |
| Equity capital to assets | 10.4733% | 3,150 |
| Core capital (leverage) ratio | 11.0533% | 2,478 |
| Tier 1 risk-based capital ratio | 13.4802% | 3,626 |
| Total risk-based capital ratio | 14.0932% | 3,899 |
| Memoranda: | ||
| Average total assets | $259,299,670 | 2,428 |
| Average earning assets | $227,719,670 | 2,528 |
| Average equity | $26,529,670 | 2,560 |
| Average total loans | $171,859,000 | 2,435 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 2,104 |
| Cost of funding earning assets | 0.5468% | 2,431 |
| Net interest margin | 3.8801% | 2,121 |
| Noninterest income to average assets | 1.1343% | 728 |
| Noninterest expense to average assets | 3.6472% | 823 |
| Loan and lease loss provision to assets | 0.0384% | 2,982 |
| Net operating income to assets | 0.7291% | 3,987 |
| Return on assets (ROA) | 0.7331% | 3,978 |
| Pretax return on assets | 0.8453% | 4,033 |
| Return on Equity (ROE) | 7.2503% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.2503% | 2,164 |
| Net charge-offs to loans | 0.0649% | 1,457 |
| Credit loss provision to net charge-offs | 92.5926% | 1,651 |
| Earnings coverage of net charge-offs (x) | 21.1852% | 1,439 |
| Efficiency ratio | 80.5772% | 1,080 |
| Assets per employee ($millions) | 3.2723% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 4,757 |
| Loan loss allowance to noncurrent loans | 36.9318% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 802 |
| Noncurrent loans to loans | 2.2008% | 684 |
| Net loans and leases to total assets | 64.4353% | 3,251 |
| Net loans and leases to deposits | 73.9975% | 3,416 |
| Net loans and leases to core deposits | 80.7750% | 3,262 |
| Total domestic deposits to total assets | 87.0777% | 2,094 |
| Equity capital to assets | 10.1743% | 3,423 |
| Core capital (leverage) ratio | 10.6584% | 2,785 |
| Tier 1 risk-based capital ratio | 13.8291% | 3,483 |
| Total risk-based capital ratio | 14.5143% | 3,707 |
| Memoranda: | ||
| Average total assets | $260,256,000 | 2,442 |
| Average earning assets | $227,517,500 | 2,558 |
| Average equity | $26,316,000 | 2,589 |
| Average total loans | $166,454,000 | 2,512 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5049% | 1,693 |
| Cost of funding earning assets | 0.5072% | 2,267 |
| Net interest margin | 3.9977% | 1,762 |
| Noninterest income to average assets | 1.1528% | 770 |
| Noninterest expense to average assets | 3.4514% | 1,124 |
| Loan and lease loss provision to assets | 0.0391% | 3,491 |
| Net operating income to assets | 0.8056% | 3,132 |
| Return on assets (ROA) | 0.8239% | 3,104 |
| Pretax return on assets | 1.2216% | 2,680 |
| Return on Equity (ROE) | 8.1976% | 2,704 |
| Retained earnings to average equity (ytd only) | 7.2250% | 1,004 |
| Net charge-offs to loans | 0.0776% | 2,338 |
| Credit loss provision to net charge-offs | 78.1250% | 2,972 |
| Earnings coverage of net charge-offs (x) | 24.6406% | 1,749 |
| Efficiency ratio | 73.6728% | 1,950 |
| Assets per employee ($millions) | 3.2750% | 4,962 |
| Cash dividends to net income (ytd only)* | 11.8652% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,743 |
| Loan loss allowance to noncurrent loans | 51.8786% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 1,170 |
| Noncurrent loans to loans | 1.5973% | 1,052 |
| Net loans and leases to total assets | 62.4438% | 3,564 |
| Net loans and leases to deposits | 76.3089% | 3,299 |
| Net loans and leases to core deposits | 85.6814% | 2,933 |
| Total domestic deposits to total assets | 81.8303% | 3,907 |
| Equity capital to assets | 10.0497% | 3,645 |
| Core capital (leverage) ratio | 10.1475% | 3,246 |
| Tier 1 risk-based capital ratio | 14.1123% | 3,302 |
| Total risk-based capital ratio | 14.8249% | 3,499 |
| Memoranda: | ||
| Average total assets | $255,720,400 | 2,450 |
| Average earning assets | $225,932,200 | 2,538 |
| Average equity | $25,702,600 | 2,629 |
| Average total loans | $164,876,800 | 2,487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 1,758 |
| Cost of funding earning assets | 0.4757% | 2,470 |
| Net interest margin | 3.9841% | 1,763 |
| Noninterest income to average assets | 1.1589% | 759 |
| Noninterest expense to average assets | 3.4535% | 1,064 |
| Loan and lease loss provision to assets | 0.0393% | 3,321 |
| Net operating income to assets | 0.8912% | 3,071 |
| Return on assets (ROA) | 0.8939% | 3,112 |
| Pretax return on assets | 1.2024% | 2,901 |
| Return on Equity (ROE) | 8.8936% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.8936% | 881 |
| Net charge-offs to loans | 0.0647% | 2,195 |
| Credit loss provision to net charge-offs | 93.7500% | 2,406 |
| Earnings coverage of net charge-offs (x) | 29.5011% | 1,570 |
| Efficiency ratio | 73.6106% | 1,952 |
| Assets per employee ($millions) | 3.2982% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,956 |
| Loan loss allowance to noncurrent loans | 60.1992% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 1,444 |
| Noncurrent loans to loans | 1.2934% | 1,479 |
| Net loans and leases to total assets | 67.1321% | 2,962 |
| Net loans and leases to deposits | 84.4099% | 2,506 |
| Net loans and leases to core deposits | 98.3968% | 1,854 |
| Total domestic deposits to total assets | 79.5310% | 4,430 |
| Equity capital to assets | 10.1231% | 3,773 |
| Core capital (leverage) ratio | 10.3493% | 3,141 |
| Tier 1 risk-based capital ratio | 13.2569% | 3,840 |
| Total risk-based capital ratio | 13.9415% | 4,105 |
| Memoranda: | ||
| Average total assets | $254,151,250 | 2,484 |
| Average earning assets | $225,356,250 | 2,565 |
| Average equity | $25,545,750 | 2,660 |
| Average total loans | $164,854,000 | 2,494 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 1,876 |
| Cost of funding earning assets | 0.4391% | 2,706 |
| Net interest margin | 3.9416% | 1,804 |
| Noninterest income to average assets | 1.1892% | 719 |
| Noninterest expense to average assets | 3.4410% | 1,095 |
| Loan and lease loss provision to assets | 0.0199% | 3,579 |
| Net operating income to assets | 0.9117% | 2,856 |
| Return on assets (ROA) | 0.9158% | 2,883 |
| Pretax return on assets | 1.2402% | 2,621 |
| Return on Equity (ROE) | 9.1344% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.1344% | 801 |
| Net charge-offs to loans | 0.0599% | 2,076 |
| Credit loss provision to net charge-offs | 52.0833% | 2,540 |
| Earnings coverage of net charge-offs (x) | 32.7917% | 1,403 |
| Efficiency ratio | 73.2813% | 2,134 |
| Assets per employee ($millions) | 3.3948% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,959 |
| Loan loss allowance to noncurrent loans | 41.8420% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 988 |
| Noncurrent loans to loans | 1.9066% | 910 |
| Net loans and leases to total assets | 66.1266% | 3,081 |
| Net loans and leases to deposits | 85.0031% | 2,351 |
| Net loans and leases to core deposits | 91.7691% | 2,358 |
| Total domestic deposits to total assets | 77.7932% | 4,846 |
| Equity capital to assets | 10.1476% | 3,741 |
| Core capital (leverage) ratio | 10.3036% | 3,141 |
| Tier 1 risk-based capital ratio | 13.2924% | 3,806 |
| Total risk-based capital ratio | 13.9841% | 4,069 |
| Memoranda: | ||
| Average total assets | $250,917,330 | 2,510 |
| Average earning assets | $223,209,000 | 2,592 |
| Average equity | $25,157,670 | 2,693 |
| Average total loans | $160,298,670 | 2,562 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 2,056 |
| Cost of funding earning assets | 0.3995% | 3,001 |
| Net interest margin | 3.8660% | 1,902 |
| Noninterest income to average assets | 1.2289% | 680 |
| Noninterest expense to average assets | 3.5218% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6974% | 3,719 |
| Return on assets (ROA) | 0.6953% | 3,765 |
| Pretax return on assets | 1.1464% | 2,784 |
| Return on Equity (ROE) | 6.9788% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.9788% | 1,856 |
| Net charge-offs to loans | 0.0958% | 1,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.2162% | 1,538 |
| Efficiency ratio | 75.3894% | 2,003 |
| Assets per employee ($millions) | 3.3856% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,923 |
| Loan loss allowance to noncurrent loans | 53.3386% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 1,350 |
| Noncurrent loans to loans | 1.5963% | 1,218 |
| Net loans and leases to total assets | 62.2776% | 3,496 |
| Net loans and leases to deposits | 77.4588% | 3,038 |
| Net loans and leases to core deposits | 83.9630% | 2,902 |
| Total domestic deposits to total assets | 80.4010% | 4,547 |
| Equity capital to assets | 9.8389% | 3,938 |
| Core capital (leverage) ratio | 10.3905% | 3,016 |
| Tier 1 risk-based capital ratio | 13.4566% | 3,798 |
| Total risk-based capital ratio | 14.1692% | 4,025 |
| Memoranda: | ||
| Average total assets | $247,375,000 | 2,563 |
| Average earning assets | $220,278,500 | 2,637 |
| Average equity | $24,646,000 | 2,740 |
| Average total loans | $154,458,000 | 2,642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 1,982 |
| Cost of funding earning assets | 0.4618% | 2,433 |
| Net interest margin | 3.8872% | 2,004 |
| Noninterest income to average assets | 1.2043% | 783 |
| Noninterest expense to average assets | 3.4447% | 1,264 |
| Loan and lease loss provision to assets | 0.0814% | 2,727 |
| Net operating income to assets | 0.7375% | 3,603 |
| Return on assets (ROA) | 0.8224% | 3,294 |
| Pretax return on assets | 1.2930% | 2,304 |
| Return on Equity (ROE) | 8.4092% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.4092% | 735 |
| Net charge-offs to loans | 0.0973% | 2,325 |
| Credit loss provision to net charge-offs | 134.2282% | 2,018 |
| Earnings coverage of net charge-offs (x) | 20.4698% | 1,853 |
| Efficiency ratio | 73.5036% | 2,347 |
| Assets per employee ($millions) | 3.2990% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,640 |
| Loan loss allowance to noncurrent loans | 55.5334% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.3308% | 1,305 |
| Noncurrent loans to loans | 1.6811% | 1,147 |
| Net loans and leases to total assets | 61.4656% | 3,662 |
| Net loans and leases to deposits | 70.6455% | 3,841 |
| Net loans and leases to core deposits | 76.4101% | 3,715 |
| Total domestic deposits to total assets | 87.0057% | 2,141 |
| Equity capital to assets | 10.0939% | 3,616 |
| Core capital (leverage) ratio | 10.2521% | 3,170 |
| Tier 1 risk-based capital ratio | 14.7744% | 3,062 |
| Total risk-based capital ratio | 15.5918% | 3,192 |
| Memoranda: | ||
| Average total assets | $245,622,200 | 2,545 |
| Average earning assets | $220,031,400 | 2,600 |
| Average equity | $24,021,200 | 2,798 |
| Average total loans | $153,211,600 | 2,602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,149 |
| Cost of funding earning assets | 0.4580% | 2,480 |
| Net interest margin | 3.8461% | 2,173 |
| Noninterest income to average assets | 1.2295% | 766 |
| Noninterest expense to average assets | 3.4945% | 1,158 |
| Loan and lease loss provision to assets | 0.0540% | 3,183 |
| Net operating income to assets | 0.7701% | 3,515 |
| Return on assets (ROA) | 0.8659% | 3,196 |
| Pretax return on assets | 1.2743% | 2,526 |
| Return on Equity (ROE) | 8.9242% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.9242% | 839 |
| Net charge-offs to loans | 0.1012% | 1,934 |
| Credit loss provision to net charge-offs | 85.4701% | 2,596 |
| Earnings coverage of net charge-offs (x) | 18.7858% | 1,974 |
| Efficiency ratio | 74.6394% | 2,167 |
| Assets per employee ($millions) | 3.3841% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,191 |
| Loan loss allowance to noncurrent loans | 62.8612% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 1,710 |
| Noncurrent loans to loans | 1.2700% | 1,765 |
| Net loans and leases to total assets | 65.8451% | 3,150 |
| Net loans and leases to deposits | 80.5658% | 2,903 |
| Net loans and leases to core deposits | 87.7523% | 2,783 |
| Total domestic deposits to total assets | 81.7284% | 4,032 |
| Equity capital to assets | 9.9213% | 4,215 |
| Core capital (leverage) ratio | 10.0345% | 3,530 |
| Tier 1 risk-based capital ratio | 13.2373% | 4,015 |
| Total risk-based capital ratio | 13.9457% | 4,254 |
| Memoranda: | ||
| Average total assets | $246,820,500 | 2,544 |
| Average earning assets | $221,550,250 | 2,591 |
| Average equity | $23,949,250 | 2,821 |
| Average total loans | $154,159,000 | 2,589 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 2,575 |
| Cost of funding earning assets | 0.4535% | 2,537 |
| Net interest margin | 3.7250% | 2,594 |
| Noninterest income to average assets | 1.2190% | 756 |
| Noninterest expense to average assets | 3.4427% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7627% | 3,494 |
| Return on assets (ROA) | 0.8745% | 3,100 |
| Pretax return on assets | 1.2849% | 2,465 |
| Return on Equity (ROE) | 9.0822% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.0822% | 826 |
| Net charge-offs to loans | 0.1372% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.3592% | 2,136 |
| Efficiency ratio | 75.4461% | 2,156 |
| Assets per employee ($millions) | 3.4063% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 5,345 |
| Loan loss allowance to noncurrent loans | 53.8161% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 1,613 |
| Noncurrent loans to loans | 1.4324% | 1,546 |
| Net loans and leases to total assets | 64.2437% | 3,333 |
| Net loans and leases to deposits | 76.9890% | 3,270 |
| Net loans and leases to core deposits | 84.8745% | 2,999 |
| Total domestic deposits to total assets | 83.4453% | 3,484 |
| Equity capital to assets | 9.7945% | 4,456 |
| Core capital (leverage) ratio | 9.9302% | 3,649 |
| Tier 1 risk-based capital ratio | 13.0892% | 4,152 |
| Total risk-based capital ratio | 13.7585% | 4,424 |
| Memoranda: | ||
| Average total assets | $245,620,330 | 2,568 |
| Average earning assets | $220,509,330 | 2,608 |
| Average equity | $23,650,670 | 2,861 |
| Average total loans | $150,139,670 | 2,645 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 2,700 |
| Cost of funding earning assets | 0.4578% | 2,494 |
| Net interest margin | 3.6790% | 2,758 |
| Noninterest income to average assets | 1.1880% | 780 |
| Noninterest expense to average assets | 3.2528% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8469% | 3,000 |
| Return on assets (ROA) | 0.8882% | 2,942 |
| Pretax return on assets | 1.3011% | 2,299 |
| Return on Equity (ROE) | 9.3053% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.3053% | 1,024 |
| Net charge-offs to loans | 0.2681% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.8041% | 2,116 |
| Efficiency ratio | 72.3924% | 2,744 |
| Assets per employee ($millions) | 3.3612% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 5,214 |
| Loan loss allowance to noncurrent loans | 63.8178% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 2,066 |
| Noncurrent loans to loans | 1.3361% | 1,785 |
| Net loans and leases to total assets | 59.0926% | 3,907 |
| Net loans and leases to deposits | 67.4513% | 4,111 |
| Net loans and leases to core deposits | 74.5151% | 3,838 |
| Total domestic deposits to total assets | 87.6077% | 1,860 |
| Equity capital to assets | 9.6344% | 4,526 |
| Core capital (leverage) ratio | 9.6638% | 3,955 |
| Tier 1 risk-based capital ratio | 13.5431% | 3,953 |
| Total risk-based capital ratio | 14.2546% | 4,178 |
| Memoranda: | ||
| Average total assets | $244,100,000 | 2,593 |
| Average earning assets | $219,301,500 | 2,632 |
| Average equity | $23,298,500 | 2,894 |
| Average total loans | $144,714,500 | 2,719 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,765 |
| Cost of funding earning assets | 0.4851% | 2,309 |
| Net interest margin | 3.6571% | 2,912 |
| Noninterest income to average assets | 1.1782% | 859 |
| Noninterest expense to average assets | 3.3185% | 1,682 |
| Loan and lease loss provision to assets | 0.1323% | 1,806 |
| Net operating income to assets | 0.6450% | 4,060 |
| Return on assets (ROA) | 0.6658% | 4,059 |
| Pretax return on assets | 1.0466% | 3,281 |
| Return on Equity (ROE) | 7.4600% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.4600% | 1,108 |
| Net charge-offs to loans | 0.0671% | 2,901 |
| Credit loss provision to net charge-offs | 346.8085% | 859 |
| Earnings coverage of net charge-offs (x) | 30.0426% | 1,456 |
| Efficiency ratio | 74.3226% | 2,529 |
| Assets per employee ($millions) | 3.2377% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,924 |
| Loan loss allowance to noncurrent loans | 71.1864% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 2,096 |
| Noncurrent loans to loans | 1.3186% | 1,789 |
| Net loans and leases to total assets | 58.4123% | 4,029 |
| Net loans and leases to deposits | 67.4876% | 4,174 |
| Net loans and leases to core deposits | 74.3076% | 3,908 |
| Total domestic deposits to total assets | 86.5527% | 2,350 |
| Equity capital to assets | 9.4540% | 4,605 |
| Core capital (leverage) ratio | 9.3375% | 4,415 |
| Tier 1 risk-based capital ratio | 13.3721% | 4,069 |
| Total risk-based capital ratio | 14.1469% | 4,283 |
| Memoranda: | ||
| Average total assets | $246,317,200 | 2,534 |
| Average earning assets | $221,377,800 | 2,574 |
| Average equity | $21,984,000 | 2,978 |
| Average total loans | $140,151,000 | 2,722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 2,992 |
| Cost of funding earning assets | 0.4867% | 2,348 |
| Net interest margin | 3.6025% | 3,150 |
| Noninterest income to average assets | 1.2023% | 837 |
| Noninterest expense to average assets | 3.2735% | 1,769 |
| Loan and lease loss provision to assets | 0.1537% | 1,413 |
| Net operating income to assets | 0.7202% | 3,817 |
| Return on assets (ROA) | 0.7417% | 3,816 |
| Pretax return on assets | 1.0432% | 3,441 |
| Return on Equity (ROE) | 8.4325% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.4325% | 1,075 |
| Net charge-offs to loans | 0.0689% | 2,580 |
| Credit loss provision to net charge-offs | 395.8333% | 771 |
| Earnings coverage of net charge-offs (x) | 30.0409% | 1,495 |
| Efficiency ratio | 73.7245% | 2,603 |
| Assets per employee ($millions) | 3.3484% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 5,215 |
| Loan loss allowance to noncurrent loans | 74.0078% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 2,305 |
| Noncurrent loans to loans | 1.2109% | 2,112 |
| Net loans and leases to total assets | 59.0919% | 4,000 |
| Net loans and leases to deposits | 71.8709% | 3,785 |
| Net loans and leases to core deposits | 79.0258% | 3,507 |
| Total domestic deposits to total assets | 82.2195% | 4,096 |
| Equity capital to assets | 9.1601% | 5,158 |
| Core capital (leverage) ratio | 9.2978% | 4,589 |
| Tier 1 risk-based capital ratio | 13.0068% | 4,426 |
| Total risk-based capital ratio | 13.7578% | 4,650 |
| Memoranda: | ||
| Average total assets | $247,189,250 | 2,547 |
| Average earning assets | $222,174,750 | 2,590 |
| Average equity | $21,740,750 | 3,015 |
| Average total loans | $139,392,250 | 2,748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,215 |
| Cost of funding earning assets | 0.4905% | 2,346 |
| Net interest margin | 3.5261% | 3,386 |
| Noninterest income to average assets | 1.1587% | 894 |
| Noninterest expense to average assets | 3.2973% | 1,714 |
| Loan and lease loss provision to assets | 0.1215% | 1,823 |
| Net operating income to assets | 0.6854% | 3,958 |
| Return on assets (ROA) | 0.7199% | 3,910 |
| Pretax return on assets | 0.9523% | 3,767 |
| Return on Equity (ROE) | 8.2999% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.2999% | 1,146 |
| Net charge-offs to loans | 0.1083% | 1,912 |
| Credit loss provision to net charge-offs | 202.7027% | 1,217 |
| Earnings coverage of net charge-offs (x) | 17.1622% | 1,869 |
| Efficiency ratio | 76.2261% | 2,321 |
| Assets per employee ($millions) | 3.2886% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 5,508 |
| Loan loss allowance to noncurrent loans | 76.1874% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 2,626 |
| Noncurrent loans to loans | 1.0952% | 2,463 |
| Net loans and leases to total assets | 57.9678% | 4,106 |
| Net loans and leases to deposits | 65.5531% | 4,380 |
| Net loans and leases to core deposits | 71.8743% | 4,152 |
| Total domestic deposits to total assets | 88.4288% | 1,431 |
| Equity capital to assets | 8.9142% | 5,326 |
| Core capital (leverage) ratio | 9.0220% | 4,936 |
| Tier 1 risk-based capital ratio | 12.1259% | 5,064 |
| Total risk-based capital ratio | 12.7672% | 5,373 |
| Memoranda: | ||
| Average total assets | $246,991,670 | 2,568 |
| Average earning assets | $221,833,330 | 2,608 |
| Average equity | $21,422,000 | 3,066 |
| Average total loans | $136,608,670 | 2,799 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 3,704 |
| Cost of funding earning assets | 0.4904% | 2,377 |
| Net interest margin | 3.3881% | 3,893 |
| Noninterest income to average assets | 0.9855% | 1,149 |
| Noninterest expense to average assets | 3.1317% | 2,178 |
| Loan and lease loss provision to assets | 0.1206% | 1,720 |
| Net operating income to assets | 0.5878% | 4,331 |
| Return on assets (ROA) | 0.6366% | 4,227 |
| Pretax return on assets | 0.8408% | 4,099 |
| Return on Equity (ROE) | 7.4413% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.4413% | 1,789 |
| Net charge-offs to loans | 0.1435% | 1,384 |
| Credit loss provision to net charge-offs | 156.2500% | 1,220 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 1,849 |
| Efficiency ratio | 77.7334% | 2,226 |
| Assets per employee ($millions) | 3.4496% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 5,575 |
| Loan loss allowance to noncurrent loans | 75.4142% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 2,704 |
| Noncurrent loans to loans | 1.1255% | 2,522 |
| Net loans and leases to total assets | 52.7915% | 4,582 |
| Net loans and leases to deposits | 59.4321% | 4,786 |
| Net loans and leases to core deposits | 65.3780% | 4,581 |
| Total domestic deposits to total assets | 88.8265% | 1,376 |
| Equity capital to assets | 8.6165% | 5,644 |
| Core capital (leverage) ratio | 8.6742% | 5,347 |
| Tier 1 risk-based capital ratio | 12.3228% | 5,029 |
| Total risk-based capital ratio | 12.9617% | 5,335 |
| Memoranda: | ||
| Average total assets | $248,810,500 | 2,570 |
| Average earning assets | $223,486,500 | 2,611 |
| Average equity | $21,286,500 | 3,102 |
| Average total loans | $133,786,000 | 2,851 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,447 |
| Cost of funding earning assets | 0.5668% | 2,074 |
| Net interest margin | 3.5002% | 3,791 |
| Noninterest income to average assets | 1.0866% | 1,029 |
| Noninterest expense to average assets | 3.2962% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6714% | 4,029 |
| Return on assets (ROA) | 0.6490% | 4,250 |
| Pretax return on assets | 0.9027% | 3,893 |
| Return on Equity (ROE) | 8.1486% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.1486% | 967 |
| Net charge-offs to loans | 0.1539% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.5750% | 2,474 |
| Efficiency ratio | 77.9251% | 2,219 |
| Assets per employee ($millions) | 3.4620% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 5,682 |
| Loan loss allowance to noncurrent loans | 102.9657% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 3,147 |
| Noncurrent loans to loans | 0.8083% | 3,289 |
| Net loans and leases to total assets | 53.8580% | 4,600 |
| Net loans and leases to deposits | 60.5976% | 4,847 |
| Net loans and leases to core deposits | 66.5581% | 4,628 |
| Total domestic deposits to total assets | 88.8780% | 1,301 |
| Equity capital to assets | 8.4926% | 5,760 |
| Core capital (leverage) ratio | 8.7265% | 5,323 |
| Tier 1 risk-based capital ratio | 13.4253% | 4,454 |
| Total risk-based capital ratio | 14.1173% | 4,728 |
| Memoranda: | ||
| Average total assets | $247,920,600 | 2,546 |
| Average earning assets | $222,645,000 | 2,601 |
| Average equity | $19,745,800 | 3,188 |
| Average total loans | $129,929,000 | 2,871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 3,570 |
| Cost of funding earning assets | 0.5800% | 2,019 |
| Net interest margin | 3.4676% | 3,952 |
| Noninterest income to average assets | 1.0948% | 1,014 |
| Noninterest expense to average assets | 3.2510% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7718% | 3,554 |
| Return on assets (ROA) | 0.7765% | 3,634 |
| Pretax return on assets | 0.9681% | 3,723 |
| Return on Equity (ROE) | 9.9123% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.9123% | 736 |
| Net charge-offs to loans | 0.1674% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.0682% | 2,474 |
| Efficiency ratio | 77.1621% | 2,324 |
| Assets per employee ($millions) | 3.2662% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 5,821 |
| Loan loss allowance to noncurrent loans | 87.2437% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 2,779 |
| Noncurrent loans to loans | 0.9417% | 3,208 |
| Net loans and leases to total assets | 56.6220% | 4,248 |
| Net loans and leases to deposits | 66.5576% | 4,275 |
| Net loans and leases to core deposits | 73.6244% | 3,981 |
| Total domestic deposits to total assets | 85.0722% | 3,314 |
| Equity capital to assets | 8.4012% | 5,874 |
| Core capital (leverage) ratio | 8.6176% | 5,534 |
| Tier 1 risk-based capital ratio | 12.9338% | 4,906 |
| Total risk-based capital ratio | 13.6285% | 5,176 |
| Memoranda: | ||
| Average total assets | $248,450,250 | 2,552 |
| Average earning assets | $223,432,000 | 2,600 |
| Average equity | $19,463,500 | 3,230 |
| Average total loans | $129,037,500 | 2,893 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,056 |
| Cost of funding earning assets | 0.5934% | 1,951 |
| Net interest margin | 3.3254% | 4,484 |
| Noninterest income to average assets | 1.0568% | 1,066 |
| Noninterest expense to average assets | 3.2490% | 2,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6642% | 4,021 |
| Return on assets (ROA) | 0.6602% | 4,142 |
| Pretax return on assets | 0.7980% | 4,274 |
| Return on Equity (ROE) | 8.6322% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.6322% | 1,102 |
| Net charge-offs to loans | 0.1658% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.6346% | 2,338 |
| Efficiency ratio | 80.1859% | 1,998 |
| Assets per employee ($millions) | 3.2250% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 5,690 |
| Loan loss allowance to noncurrent loans | 83.2414% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 2,628 |
| Noncurrent loans to loans | 1.0952% | 3,040 |
| Net loans and leases to total assets | 52.8281% | 4,658 |
| Net loans and leases to deposits | 59.0641% | 4,946 |
| Net loans and leases to core deposits | 64.9008% | 4,733 |
| Total domestic deposits to total assets | 89.4421% | 1,129 |
| Equity capital to assets | 8.0491% | 6,126 |
| Core capital (leverage) ratio | 8.1887% | 5,942 |
| Tier 1 risk-based capital ratio | 12.5217% | 5,217 |
| Total risk-based capital ratio | 13.2493% | 5,472 |
| Memoranda: | ||
| Average total assets | $249,612,000 | 2,549 |
| Average earning assets | $224,812,330 | 2,594 |
| Average equity | $19,091,330 | 3,272 |
| Average total loans | $125,432,330 | 2,959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,597 |
| Cost of funding earning assets | 0.6111% | 1,891 |
| Net interest margin | 3.1620% | 5,047 |
| Noninterest income to average assets | 0.9814% | 1,170 |
| Noninterest expense to average assets | 3.0673% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6314% | 4,040 |
| Return on assets (ROA) | 0.6314% | 4,127 |
| Pretax return on assets | 0.7672% | 4,242 |
| Return on Equity (ROE) | 8.4750% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.4750% | 1,425 |
| Net charge-offs to loans | 0.1542% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.2128% | 1,878 |
| Efficiency ratio | 79.9917% | 2,212 |
| Assets per employee ($millions) | 3.4186% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 5,386 |
| Loan loss allowance to noncurrent loans | 93.0831% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 3,016 |
| Noncurrent loans to loans | 1.1106% | 3,199 |
| Net loans and leases to total assets | 47.2306% | 5,210 |
| Net loans and leases to deposits | 52.4016% | 5,435 |
| Net loans and leases to core deposits | 57.6405% | 5,226 |
| Total domestic deposits to total assets | 90.1320% | 999 |
| Equity capital to assets | 7.4728% | 6,323 |
| Core capital (leverage) ratio | 8.0050% | 6,114 |
| Tier 1 risk-based capital ratio | 13.3920% | 4,772 |
| Total risk-based capital ratio | 14.2248% | 4,951 |
| Memoranda: | ||
| Average total assets | $250,255,000 | 2,552 |
| Average earning assets | $225,809,000 | 2,596 |
| Average equity | $18,643,000 | 3,331 |
| Average total loans | $121,952,000 | 3,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,764 |
| Cost of funding earning assets | 0.8382% | 1,006 |
| Net interest margin | 3.2556% | 4,819 |
| Noninterest income to average assets | 1.2831% | 838 |
| Noninterest expense to average assets | 3.2798% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7378% | 3,620 |
| Return on assets (ROA) | 0.6520% | 4,129 |
| Pretax return on assets | 0.8226% | 4,064 |
| Return on Equity (ROE) | 8.5382% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.5382% | 895 |
| Net charge-offs to loans | 0.0921% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.9623% | 1,514 |
| Efficiency ratio | 77.8883% | 2,494 |
| Assets per employee ($millions) | 3.2989% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,248 |
| Loan loss allowance to noncurrent loans | 78.5971% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 2,777 |
| Noncurrent loans to loans | 1.3724% | 2,843 |
| Net loans and leases to total assets | 49.2518% | 5,163 |
| Net loans and leases to deposits | 54.7049% | 5,408 |
| Net loans and leases to core deposits | 60.3500% | 5,194 |
| Total domestic deposits to total assets | 90.0317% | 1,055 |
| Equity capital to assets | 7.4252% | 6,317 |
| Core capital (leverage) ratio | 8.0221% | 6,116 |
| Tier 1 risk-based capital ratio | 13.7197% | 4,506 |
| Total risk-based capital ratio | 14.6253% | 4,679 |
| Memoranda: | ||
| Average total assets | $238,640,400 | 2,630 |
| Average earning assets | $214,615,200 | 2,675 |
| Average equity | $18,224,000 | 3,385 |
| Average total loans | $115,035,800 | 3,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,858 |
| Cost of funding earning assets | 0.8565% | 1,012 |
| Net interest margin | 3.2166% | 4,942 |
| Noninterest income to average assets | 1.3430% | 812 |
| Noninterest expense to average assets | 3.3311% | 1,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7544% | 3,582 |
| Return on assets (ROA) | 0.7502% | 3,726 |
| Pretax return on assets | 0.8980% | 3,896 |
| Return on Equity (ROE) | 9.7540% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.7540% | 842 |
| Net charge-offs to loans | 0.0035% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 535.6525% | 109 |
| Efficiency ratio | 78.6729% | 2,312 |
| Assets per employee ($millions) | 3.1873% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,371 |
| Loan loss allowance to noncurrent loans | 115.2404% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2328% | 3,178 |
| Noncurrent loans to loans | 0.9446% | 3,928 |
| Net loans and leases to total assets | 53.7462% | 4,650 |
| Net loans and leases to deposits | 61.2881% | 4,833 |
| Net loans and leases to core deposits | 68.7830% | 4,457 |
| Total domestic deposits to total assets | 87.6943% | 2,300 |
| Equity capital to assets | 7.6195% | 6,343 |
| Core capital (leverage) ratio | 8.2497% | 6,014 |
| Tier 1 risk-based capital ratio | 13.4850% | 4,767 |
| Total risk-based capital ratio | 14.4515% | 4,926 |
| Memoranda: | ||
| Average total assets | $237,271,750 | 2,661 |
| Average earning assets | $213,265,500 | 2,703 |
| Average equity | $18,248,500 | 3,414 |
| Average total loans | $113,409,250 | 3,197 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 4,285 |
| Cost of funding earning assets | 0.8676% | 1,045 |
| Net interest margin | 3.0844% | 5,319 |
| Noninterest income to average assets | 1.2549% | 988 |
| Noninterest expense to average assets | 3.3488% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6187% | 4,203 |
| Return on assets (ROA) | 0.6118% | 4,400 |
| Pretax return on assets | 0.6743% | 4,764 |
| Return on Equity (ROE) | 7.9299% | 3,135 |
| Retained earnings to average equity (ytd only) | 7.9299% | 1,516 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0818% | 1,745 |
| Assets per employee ($millions) | 3.2149% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 5,202 |
| Loan loss allowance to noncurrent loans | 130.7196% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 3,140 |
| Noncurrent loans to loans | 0.8855% | 4,156 |
| Net loans and leases to total assets | 50.8592% | 5,014 |
| Net loans and leases to deposits | 56.4261% | 5,292 |
| Net loans and leases to core deposits | 62.9639% | 5,012 |
| Total domestic deposits to total assets | 90.1341% | 956 |
| Equity capital to assets | 7.3354% | 6,500 |
| Core capital (leverage) ratio | 7.9741% | 6,205 |
| Tier 1 risk-based capital ratio | 13.8879% | 4,505 |
| Total risk-based capital ratio | 14.9228% | 4,619 |
| Memoranda: | ||
| Average total assets | $236,681,000 | 2,677 |
| Average earning assets | $213,005,000 | 2,709 |
| Average equity | $18,260,000 | 3,430 |
| Average total loans | $107,915,330 | 3,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 5,154 |
| Cost of funding earning assets | 0.8786% | 1,092 |
| Net interest margin | 2.8234% | 5,988 |
| Noninterest income to average assets | 1.1369% | 1,159 |
| Noninterest expense to average assets | 3.2380% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4344% | 4,981 |
| Return on assets (ROA) | 0.5642% | 4,540 |
| Pretax return on assets | 0.5812% | 5,020 |
| Return on Equity (ROE) | 7.1365% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.1365% | 2,094 |
| Net charge-offs to loans | 0.2265% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.6316% | 2,510 |
| Efficiency ratio | 87.8621% | 1,342 |
| Assets per employee ($millions) | 3.1381% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,482 |
| Loan loss allowance to noncurrent loans | 74.5205% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.8692% | 2,517 |
| Noncurrent loans to loans | 1.8084% | 2,849 |
| Net loans and leases to total assets | 41.7455% | 5,865 |
| Net loans and leases to deposits | 46.5368% | 6,020 |
| Net loans and leases to core deposits | 52.4497% | 5,789 |
| Total domestic deposits to total assets | 89.7041% | 1,227 |
| Equity capital to assets | 7.8212% | 6,460 |
| Core capital (leverage) ratio | 7.8191% | 6,270 |
| Tier 1 risk-based capital ratio | 13.6542% | 4,756 |
| Total risk-based capital ratio | 14.6460% | 4,896 |
| Memoranda: | ||
| Average total assets | $236,071,500 | 2,717 |
| Average earning assets | $213,075,500 | 2,731 |
| Average equity | $18,664,500 | 3,426 |
| Average total loans | $100,667,500 | 3,487 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 4,061 |
| Cost of funding earning assets | 1.0512% | 1,118 |
| Net interest margin | 3.2882% | 5,287 |
| Noninterest income to average assets | 1.1902% | 1,107 |
| Noninterest expense to average assets | 3.2807% | 2,395 |
| Loan and lease loss provision to assets | 0.0556% | 5,099 |
| Net operating income to assets | 0.6800% | 3,834 |
| Return on assets (ROA) | 0.7293% | 3,857 |
| Pretax return on assets | 0.8502% | 4,104 |
| Return on Equity (ROE) | 9.2625% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.2625% | 752 |
| Net charge-offs to loans | 0.3416% | 2,928 |
| Credit loss provision to net charge-offs | 35.2113% | 5,019 |
| Earnings coverage of net charge-offs (x) | 5.3775% | 3,058 |
| Efficiency ratio | 79.4532% | 2,216 |
| Assets per employee ($millions) | 3.0344% | 5,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,117 |
| Loan loss allowance to noncurrent loans | 98.6092% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 2,974 |
| Noncurrent loans to loans | 1.4321% | 3,447 |
| Net loans and leases to total assets | 42.3698% | 5,962 |
| Net loans and leases to deposits | 47.3736% | 6,149 |
| Net loans and leases to core deposits | 53.5443% | 5,910 |
| Total domestic deposits to total assets | 89.4376% | 1,281 |
| Equity capital to assets | 7.9932% | 6,409 |
| Core capital (leverage) ratio | 7.9400% | 6,249 |
| Tier 1 risk-based capital ratio | 13.8144% | 4,524 |
| Total risk-based capital ratio | 14.8796% | 4,601 |
| Memoranda: | ||
| Average total assets | $225,010,000 | 2,784 |
| Average earning assets | $201,111,600 | 2,832 |
| Average equity | $17,716,600 | 3,507 |
| Average total loans | $103,920,400 | 3,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 4,074 |
| Cost of funding earning assets | 1.0789% | 1,149 |
| Net interest margin | 3.3158% | 5,331 |
| Noninterest income to average assets | 1.1739% | 1,099 |
| Noninterest expense to average assets | 3.2870% | 2,303 |
| Loan and lease loss provision to assets | 0.0748% | 4,723 |
| Net operating income to assets | 0.6819% | 3,999 |
| Return on assets (ROA) | 0.7730% | 3,840 |
| Pretax return on assets | 0.8759% | 4,206 |
| Return on Equity (ROE) | 9.8566% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.8566% | 950 |
| Net charge-offs to loans | 0.4224% | 2,406 |
| Credit loss provision to net charge-offs | 37.6506% | 4,664 |
| Earnings coverage of net charge-offs (x) | 4.2650% | 3,357 |
| Efficiency ratio | 79.5080% | 2,169 |
| Assets per employee ($millions) | 3.1268% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 5,136 |
| Loan loss allowance to noncurrent loans | 133.1793% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 3,464 |
| Noncurrent loans to loans | 0.9242% | 4,584 |
| Net loans and leases to total assets | 51.3614% | 5,131 |
| Net loans and leases to deposits | 57.6152% | 5,466 |
| Net loans and leases to core deposits | 63.9944% | 5,144 |
| Total domestic deposits to total assets | 89.1457% | 1,346 |
| Equity capital to assets | 8.1252% | 6,527 |
| Core capital (leverage) ratio | 8.0270% | 6,305 |
| Tier 1 risk-based capital ratio | 12.6072% | 5,558 |
| Total risk-based capital ratio | 13.6140% | 5,700 |
| Memoranda: | ||
| Average total assets | $222,850,000 | 2,827 |
| Average earning assets | $198,961,000 | 2,875 |
| Average equity | $17,476,750 | 3,577 |
| Average total loans | $104,796,750 | 3,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 4,430 |
| Cost of funding earning assets | 1.0902% | 1,259 |
| Net interest margin | 3.2454% | 5,605 |
| Noninterest income to average assets | 1.1626% | 1,050 |
| Noninterest expense to average assets | 3.3572% | 2,136 |
| Loan and lease loss provision to assets | 0.1126% | 4,120 |
| Net operating income to assets | 0.5095% | 4,776 |
| Return on assets (ROA) | 0.6466% | 4,381 |
| Pretax return on assets | 0.7528% | 4,639 |
| Return on Equity (ROE) | 8.3464% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.3464% | 1,499 |
| Net charge-offs to loans | -0.0338% | 6,563 |
| Credit loss provision to net charge-offs | -735.2941% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6241% | 1,795 |
| Assets per employee ($millions) | 3.1184% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 3,595 |
| Loan loss allowance to noncurrent loans | 122.4350% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 3,386 |
| Noncurrent loans to loans | 1.3092% | 3,961 |
| Net loans and leases to total assets | 48.9380% | 5,495 |
| Net loans and leases to deposits | 54.6042% | 5,812 |
| Net loans and leases to core deposits | 61.1972% | 5,472 |
| Total domestic deposits to total assets | 89.6231% | 1,147 |
| Equity capital to assets | 7.7897% | 6,679 |
| Core capital (leverage) ratio | 7.7614% | 6,476 |
| Tier 1 risk-based capital ratio | 12.4652% | 5,591 |
| Total risk-based capital ratio | 13.7154% | 5,575 |
| Memoranda: | ||
| Average total assets | $222,090,670 | 2,843 |
| Average earning assets | $198,493,330 | 2,891 |
| Average equity | $17,205,000 | 3,612 |
| Average total loans | $100,705,670 | 3,549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 4,100 |
| Cost of funding earning assets | 1.1035% | 1,390 |
| Net interest margin | 3.3490% | 5,307 |
| Noninterest income to average assets | 1.1627% | 1,054 |
| Noninterest expense to average assets | 3.2163% | 2,549 |
| Loan and lease loss provision to assets | 0.2264% | 2,682 |
| Net operating income to assets | 0.5874% | 4,404 |
| Return on assets (ROA) | 0.5994% | 4,560 |
| Pretax return on assets | 0.7244% | 4,711 |
| Return on Equity (ROE) | 7.7597% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.7597% | 2,069 |
| Net charge-offs to loans | -0.0714% | 6,674 |
| Credit loss provision to net charge-offs | -735.2941% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4531% | 2,576 |
| Assets per employee ($millions) | 3.0985% | 5,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 2,580 |
| Loan loss allowance to noncurrent loans | 125.6140% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 3,422 |
| Noncurrent loans to loans | 1.5384% | 3,805 |
| Net loans and leases to total assets | 40.1614% | 6,337 |
| Net loans and leases to deposits | 44.7015% | 6,518 |
| Net loans and leases to core deposits | 49.9898% | 6,344 |
| Total domestic deposits to total assets | 89.8435% | 1,164 |
| Equity capital to assets | 7.6131% | 6,730 |
| Core capital (leverage) ratio | 7.6349% | 6,545 |
| Tier 1 risk-based capital ratio | 13.4341% | 4,874 |
| Total risk-based capital ratio | 14.6861% | 4,866 |
| Memoranda: | ||
| Average total assets | $220,872,500 | 2,885 |
| Average earning assets | $197,195,500 | 2,930 |
| Average equity | $17,062,500 | 3,638 |
| Average total loans | $95,224,000 | 3,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 2,230 |
| Cost of funding earning assets | 1.2853% | 1,552 |
| Net interest margin | 3.8715% | 3,468 |
| Noninterest income to average assets | 1.1565% | 979 |
| Noninterest expense to average assets | 3.4328% | 2,159 |
| Loan and lease loss provision to assets | 0.3355% | 3,013 |
| Net operating income to assets | 0.6578% | 3,701 |
| Return on assets (ROA) | 0.7443% | 3,445 |
| Pretax return on assets | 0.9537% | 3,417 |
| Return on Equity (ROE) | 9.7467% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.7467% | 614 |
| Net charge-offs to loans | 0.2623% | 4,130 |
| Credit loss provision to net charge-offs | 276.4706% | 862 |
| Earnings coverage of net charge-offs (x) | 9.7098% | 1,943 |
| Efficiency ratio | 74.4452% | 3,154 |
| Assets per employee ($millions) | 3.0360% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 3,255 |
| Loan loss allowance to noncurrent loans | 86.7368% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 3,068 |
| Noncurrent loans to loans | 1.9424% | 3,282 |
| Net loans and leases to total assets | 44.6146% | 6,148 |
| Net loans and leases to deposits | 49.8649% | 6,371 |
| Net loans and leases to core deposits | 56.3225% | 6,138 |
| Total domestic deposits to total assets | 89.4709% | 1,281 |
| Equity capital to assets | 7.8425% | 6,662 |
| Core capital (leverage) ratio | 7.6816% | 6,546 |
| Tier 1 risk-based capital ratio | 12.8880% | 5,164 |
| Total risk-based capital ratio | 14.1382% | 5,138 |
| Memoranda: | ||
| Average total assets | $210,120,800 | 2,944 |
| Average earning assets | $187,499,400 | 2,990 |
| Average equity | $16,046,400 | 3,722 |
| Average total loans | $97,209,000 | 3,691 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 2,089 |
| Cost of funding earning assets | 1.3106% | 1,647 |
| Net interest margin | 3.9217% | 3,267 |
| Noninterest income to average assets | 1.1189% | 1,062 |
| Noninterest expense to average assets | 3.4265% | 2,122 |
| Loan and lease loss provision to assets | 0.3577% | 2,720 |
| Net operating income to assets | 0.7213% | 3,501 |
| Return on assets (ROA) | 0.8878% | 2,945 |
| Pretax return on assets | 1.0295% | 3,289 |
| Return on Equity (ROE) | 11.7062% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.7062% | 529 |
| Net charge-offs to loans | 0.1896% | 4,279 |
| Credit loss provision to net charge-offs | 405.7971% | 706 |
| Earnings coverage of net charge-offs (x) | 13.5432% | 1,606 |
| Efficiency ratio | 74.1637% | 3,147 |
| Assets per employee ($millions) | 3.0067% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 4,266 |
| Loan loss allowance to noncurrent loans | 116.8831% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.7468% | 3,478 |
| Noncurrent loans to loans | 1.2537% | 4,441 |
| Net loans and leases to total assets | 51.0296% | 5,574 |
| Net loans and leases to deposits | 57.1214% | 5,926 |
| Net loans and leases to core deposits | 64.5763% | 5,557 |
| Total domestic deposits to total assets | 89.3355% | 1,234 |
| Equity capital to assets | 7.9106% | 6,747 |
| Core capital (leverage) ratio | 7.8727% | 6,512 |
| Tier 1 risk-based capital ratio | 11.9944% | 5,898 |
| Total risk-based capital ratio | 13.1666% | 5,932 |
| Memoranda: | ||
| Average total assets | $208,762,250 | 2,973 |
| Average earning assets | $186,377,750 | 3,020 |
| Average equity | $15,831,750 | 3,769 |
| Average total loans | $97,057,000 | 3,723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 2,360 |
| Cost of funding earning assets | 1.3287% | 1,770 |
| Net interest margin | 3.8466% | 3,552 |
| Noninterest income to average assets | 1.0869% | 1,095 |
| Noninterest expense to average assets | 3.3061% | 2,536 |
| Loan and lease loss provision to assets | 0.3958% | 2,437 |
| Net operating income to assets | 0.7300% | 3,387 |
| Return on assets (ROA) | 0.9431% | 2,560 |
| Pretax return on assets | 1.0618% | 3,003 |
| Return on Equity (ROE) | 12.6227% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.6227% | 434 |
| Net charge-offs to loans | 0.1750% | 4,119 |
| Credit loss provision to net charge-offs | 506.1728% | 597 |
| Earnings coverage of net charge-offs (x) | 15.5802% | 1,396 |
| Efficiency ratio | 73.0745% | 3,526 |
| Assets per employee ($millions) | 3.0125% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,977 |
| Loan loss allowance to noncurrent loans | 96.5234% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 3,625 |
| Noncurrent loans to loans | 1.5871% | 4,015 |
| Net loans and leases to total assets | 46.5435% | 6,211 |
| Net loans and leases to deposits | 52.0143% | 6,471 |
| Net loans and leases to core deposits | 59.1351% | 6,178 |
| Total domestic deposits to total assets | 89.4821% | 1,253 |
| Equity capital to assets | 7.8619% | 6,764 |
| Core capital (leverage) ratio | 7.7393% | 6,556 |
| Tier 1 risk-based capital ratio | 12.2837% | 5,533 |
| Total risk-based capital ratio | 13.4442% | 5,603 |
| Memoranda: | ||
| Average total assets | $207,191,670 | 3,005 |
| Average earning assets | $185,148,330 | 3,056 |
| Average equity | $15,480,000 | 3,823 |
| Average total loans | $92,557,670 | 3,874 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 2,697 |
| Cost of funding earning assets | 1.3363% | 1,970 |
| Net interest margin | 3.7517% | 3,833 |
| Noninterest income to average assets | 0.9584% | 1,437 |
| Noninterest expense to average assets | 3.2296% | 2,781 |
| Loan and lease loss provision to assets | 0.5552% | 1,559 |
| Net operating income to assets | 0.4397% | 4,768 |
| Return on assets (ROA) | 0.7947% | 3,127 |
| Pretax return on assets | 0.9486% | 3,323 |
| Return on Equity (ROE) | 10.9306% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.9306% | 911 |
| Net charge-offs to loans | 0.3775% | 2,559 |
| Credit loss provision to net charge-offs | 339.2857% | 961 |
| Earnings coverage of net charge-offs (x) | 6.6071% | 2,072 |
| Efficiency ratio | 74.9209% | 3,342 |
| Assets per employee ($millions) | 3.1192% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,938 |
| Loan loss allowance to noncurrent loans | 90.4916% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 4,355 |
| Noncurrent loans to loans | 1.7185% | 3,923 |
| Net loans and leases to total assets | 42.3777% | 6,587 |
| Net loans and leases to deposits | 47.0292% | 6,797 |
| Net loans and leases to core deposits | 53.3123% | 6,600 |
| Total domestic deposits to total assets | 90.1093% | 1,089 |
| Equity capital to assets | 7.1498% | 7,040 |
| Core capital (leverage) ratio | 7.5012% | 6,727 |
| Tier 1 risk-based capital ratio | 12.7289% | 5,035 |
| Total risk-based capital ratio | 13.8708% | 5,127 |
| Memoranda: | ||
| Average total assets | $205,348,500 | 3,045 |
| Average earning assets | $183,492,000 | 3,093 |
| Average equity | $14,930,500 | 3,914 |
| Average total loans | $88,998,000 | 3,998 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 3,602 |
| Cost of funding earning assets | 1.4368% | 3,038 |
| Net interest margin | 3.7647% | 4,088 |
| Noninterest income to average assets | 1.1577% | 1,102 |
| Noninterest expense to average assets | 3.3959% | 2,445 |
| Loan and lease loss provision to assets | 0.2264% | 5,017 |
| Net operating income to assets | 0.6695% | 3,348 |
| Return on assets (ROA) | 0.7666% | 3,055 |
| Pretax return on assets | 1.0428% | 2,803 |
| Return on Equity (ROE) | 10.0727% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.3965% | 1,622 |
| Net charge-offs to loans | 0.3348% | 4,337 |
| Credit loss provision to net charge-offs | 152.3973% | 2,352 |
| Earnings coverage of net charge-offs (x) | 7.6610% | 2,090 |
| Efficiency ratio | 74.9018% | 3,224 |
| Assets per employee ($millions) | 3.1518% | 5,772 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 4,691 |
| Loan loss allowance to noncurrent loans | 79.9733% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.4392% | 4,174 |
| Noncurrent loans to loans | 1.7016% | 3,956 |
| Net loans and leases to total assets | 43.0495% | 6,784 |
| Net loans and leases to deposits | 47.7006% | 6,963 |
| Net loans and leases to core deposits | 53.8578% | 6,820 |
| Total domestic deposits to total assets | 90.2495% | 951 |
| Equity capital to assets | 7.3962% | 6,941 |
| Core capital (leverage) ratio | 7.6214% | 6,605 |
| Tier 1 risk-based capital ratio | 12.9786% | 4,614 |
| Total risk-based capital ratio | 14.0025% | 4,786 |
| Memoranda: | ||
| Average total assets | $196,589,200 | 3,141 |
| Average earning assets | $176,296,000 | 3,164 |
| Average equity | $14,961,200 | 3,945 |
| Average total loans | $87,220,200 | 4,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 3,750 |
| Cost of funding earning assets | 1.4498% | 3,275 |
| Net interest margin | 3.7681% | 4,101 |
| Noninterest income to average assets | 1.1148% | 1,128 |
| Noninterest expense to average assets | 3.3430% | 2,448 |
| Loan and lease loss provision to assets | 0.2833% | 4,315 |
| Net operating income to assets | 0.6322% | 3,742 |
| Return on assets (ROA) | 0.8021% | 3,147 |
| Pretax return on assets | 1.1011% | 2,817 |
| Return on Equity (ROE) | 10.4639% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.2375% | 1,339 |
| Net charge-offs to loans | 0.3294% | 4,015 |
| Credit loss provision to net charge-offs | 193.0233% | 1,853 |
| Earnings coverage of net charge-offs (x) | 7.8465% | 2,254 |
| Efficiency ratio | 74.3773% | 3,248 |
| Assets per employee ($millions) | 2.9979% | 6,156 |
| Cash dividends to net income (ytd only)* | 21.2769% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 4,950 |
| Loan loss allowance to noncurrent loans | 75.1358% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1774% | 3,235 |
| Noncurrent loans to loans | 1.7344% | 4,045 |
| Net loans and leases to total assets | 48.3894% | 6,483 |
| Net loans and leases to deposits | 54.0058% | 6,770 |
| Net loans and leases to core deposits | 60.2708% | 6,581 |
| Total domestic deposits to total assets | 89.6004% | 1,070 |
| Equity capital to assets | 8.0174% | 6,795 |
| Core capital (leverage) ratio | 7.9094% | 6,451 |
| Tier 1 risk-based capital ratio | 12.8407% | 4,699 |
| Total risk-based capital ratio | 13.8957% | 4,841 |
| Memoranda: | ||
| Average total assets | $195,308,500 | 3,202 |
| Average earning assets | $175,187,000 | 3,230 |
| Average equity | $14,971,750 | 3,991 |
| Average total loans | $87,016,750 | 4,198 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0905% | 4,505 |
| Cost of funding earning assets | 1.4596% | 3,499 |
| Net interest margin | 3.6308% | 4,687 |
| Noninterest income to average assets | 1.1020% | 1,091 |
| Noninterest expense to average assets | 3.3102% | 2,533 |
| Loan and lease loss provision to assets | 0.2200% | 4,694 |
| Net operating income to assets | 0.6066% | 3,855 |
| Return on assets (ROA) | 0.8360% | 2,954 |
| Pretax return on assets | 1.1348% | 2,653 |
| Return on Equity (ROE) | 11.0745% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.6857% | 1,559 |
| Net charge-offs to loans | 0.2067% | 4,375 |
| Credit loss provision to net charge-offs | 247.1264% | 1,558 |
| Earnings coverage of net charge-offs (x) | 11.7356% | 1,733 |
| Efficiency ratio | 76.0103% | 3,076 |
| Assets per employee ($millions) | 2.9432% | 6,266 |
| Cash dividends to net income (ytd only)* | 30.5998% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 5,090 |
| Loan loss allowance to noncurrent loans | 52.3895% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.1426% | 3,321 |
| Noncurrent loans to loans | 2.4211% | 3,227 |
| Net loans and leases to total assets | 47.0024% | 6,707 |
| Net loans and leases to deposits | 52.3959% | 6,956 |
| Net loans and leases to core deposits | 58.3677% | 6,806 |
| Total domestic deposits to total assets | 89.7063% | 1,071 |
| Equity capital to assets | 7.7584% | 6,958 |
| Core capital (leverage) ratio | 7.5954% | 6,742 |
| Tier 1 risk-based capital ratio | 12.6920% | 4,697 |
| Total risk-based capital ratio | 13.6982% | 4,888 |
| Memoranda: | ||
| Average total assets | $195,457,000 | 3,229 |
| Average earning assets | $175,111,000 | 3,252 |
| Average equity | $14,754,670 | 4,039 |
| Average total loans | $84,176,330 | 4,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 4,891 |
| Cost of funding earning assets | 1.4649% | 3,778 |
| Net interest margin | 3.5640% | 4,883 |
| Noninterest income to average assets | 1.0834% | 1,082 |
| Noninterest expense to average assets | 3.3521% | 2,369 |
| Loan and lease loss provision to assets | 0.2550% | 4,003 |
| Net operating income to assets | 0.5067% | 4,361 |
| Return on assets (ROA) | 0.9548% | 2,410 |
| Pretax return on assets | 1.2527% | 2,201 |
| Return on Equity (ROE) | 12.8250% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.9740% | 2,633 |
| Net charge-offs to loans | 0.1999% | 3,710 |
| Credit loss provision to net charge-offs | 312.5000% | 1,259 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,665 |
| Efficiency ratio | 78.4998% | 2,814 |
| Assets per employee ($millions) | 2.9347% | 6,371 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 4,418 |
| Loan loss allowance to noncurrent loans | 69.8825% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 3,880 |
| Noncurrent loans to loans | 2.0031% | 3,786 |
| Net loans and leases to total assets | 40.4817% | 7,219 |
| Net loans and leases to deposits | 44.8721% | 7,370 |
| Net loans and leases to core deposits | 49.5259% | 7,300 |
| Total domestic deposits to total assets | 90.2157% | 884 |
| Equity capital to assets | 7.4376% | 7,117 |
| Core capital (leverage) ratio | 7.3443% | 6,988 |
| Tier 1 risk-based capital ratio | 12.8773% | 4,420 |
| Total risk-based capital ratio | 13.8845% | 4,583 |
| Memoranda: | ||
| Average total assets | $196,058,500 | 3,275 |
| Average earning assets | $175,307,000 | 3,317 |
| Average equity | $14,596,500 | 4,098 |
| Average total loans | $80,026,000 | 4,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 3,346 |
| Cost of funding earning assets | 1.7881% | 4,049 |
| Net interest margin | 3.8634% | 3,418 |
| Noninterest income to average assets | 1.2101% | 1,051 |
| Noninterest expense to average assets | 3.3693% | 2,780 |
| Loan and lease loss provision to assets | 0.2850% | 5,146 |
| Net operating income to assets | 0.7198% | 2,856 |
| Return on assets (ROA) | 0.7574% | 2,783 |
| Pretax return on assets | 1.0473% | 2,426 |
| Return on Equity (ROE) | 9.8697% | 1,728 |
| Retained earnings to average equity (ytd only) | 4.2096% | 2,272 |
| Net charge-offs to loans | 0.8071% | 2,809 |
| Credit loss provision to net charge-offs | 82.4176% | 6,235 |
| Earnings coverage of net charge-offs (x) | 3.7017% | 3,239 |
| Efficiency ratio | 72.4661% | 4,189 |
| Assets per employee ($millions) | 2.9620% | 6,319 |
| Cash dividends to net income (ytd only)* | 57.3477% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,664 |
| Loan loss allowance to noncurrent loans | 121.0892% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 4,502 |
| Noncurrent loans to loans | 1.0879% | 5,143 |
| Net loans and leases to total assets | 40.0425% | 7,348 |
| Net loans and leases to deposits | 44.3886% | 7,499 |
| Net loans and leases to core deposits | 56.6785% | 7,383 |
| Total domestic deposits to total assets | 90.2090% | 878 |
| Equity capital to assets | 7.4524% | 7,071 |
| Core capital (leverage) ratio | 7.4659% | 6,822 |
| Tier 1 risk-based capital ratio | 12.8101% | 4,277 |
| Total risk-based capital ratio | 13.7509% | 4,472 |
| Memoranda: | ||
| Average total assets | $184,192,800 | 3,360 |
| Average earning assets | $163,973,600 | 3,443 |
| Average equity | $14,134,200 | 4,223 |
| Average total loans | $78,924,400 | 4,556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7028% | 3,327 |
| Cost of funding earning assets | 1.8497% | 4,156 |
| Net interest margin | 3.8530% | 3,418 |
| Noninterest income to average assets | 1.2365% | 1,011 |
| Noninterest expense to average assets | 3.4294% | 2,481 |
| Loan and lease loss provision to assets | 0.2389% | 5,054 |
| Net operating income to assets | 0.6994% | 3,211 |
| Return on assets (ROA) | 0.7498% | 3,084 |
| Pretax return on assets | 1.0718% | 2,666 |
| Return on Equity (ROE) | 9.6964% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.8939% | 2,005 |
| Net charge-offs to loans | 0.5024% | 3,218 |
| Credit loss provision to net charge-offs | 109.4276% | 4,649 |
| Earnings coverage of net charge-offs (x) | 5.6734% | 2,756 |
| Efficiency ratio | 73.4646% | 3,962 |
| Assets per employee ($millions) | 2.9070% | 6,387 |
| Cash dividends to net income (ytd only)* | 39.2156% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,019 |
| Loan loss allowance to noncurrent loans | 101.1956% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5486% | 4,043 |
| Noncurrent loans to loans | 1.3689% | 4,635 |
| Net loans and leases to total assets | 46.0612% | 7,106 |
| Net loans and leases to deposits | 51.4862% | 7,331 |
| Net loans and leases to core deposits | 67.6336% | 7,087 |
| Total domestic deposits to total assets | 89.4632% | 986 |
| Equity capital to assets | 7.9999% | 6,847 |
| Core capital (leverage) ratio | 7.7359% | 6,682 |
| Tier 1 risk-based capital ratio | 12.7167% | 4,379 |
| Total risk-based capital ratio | 13.7739% | 4,477 |
| Memoranda: | ||
| Average total assets | $181,367,250 | 3,447 |
| Average earning assets | $161,532,000 | 3,518 |
| Average equity | $14,025,500 | 4,289 |
| Average total loans | $78,824,000 | 4,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 4,303 |
| Cost of funding earning assets | 1.8759% | 4,392 |
| Net interest margin | 3.6808% | 4,037 |
| Noninterest income to average assets | 1.1185% | 1,267 |
| Noninterest expense to average assets | 3.2914% | 2,991 |
| Loan and lease loss provision to assets | 0.1936% | 5,116 |
| Net operating income to assets | 0.6020% | 3,665 |
| Return on assets (ROA) | 0.6516% | 3,570 |
| Pretax return on assets | 0.9747% | 3,098 |
| Return on Equity (ROE) | 8.5257% | 2,559 |
| Retained earnings to average equity (ytd only) | 2.7358% | 3,809 |
| Net charge-offs to loans | 0.3160% | 3,607 |
| Credit loss provision to net charge-offs | 144.6281% | 3,205 |
| Earnings coverage of net charge-offs (x) | 8.1736% | 2,302 |
| Efficiency ratio | 75.0505% | 3,866 |
| Assets per employee ($millions) | 2.8964% | 6,400 |
| Cash dividends to net income (ytd only)* | 67.9117% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,002 |
| Loan loss allowance to noncurrent loans | 86.8100% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.6399% | 3,747 |
| Noncurrent loans to loans | 1.7703% | 3,850 |
| Net loans and leases to total assets | 41.8553% | 7,454 |
| Net loans and leases to deposits | 46.4590% | 7,618 |
| Net loans and leases to core deposits | 59.8137% | 7,459 |
| Total domestic deposits to total assets | 90.0907% | 789 |
| Equity capital to assets | 7.4812% | 7,283 |
| Core capital (leverage) ratio | 7.5114% | 6,995 |
| Tier 1 risk-based capital ratio | 12.9175% | 4,204 |
| Total risk-based capital ratio | 14.0492% | 4,202 |
| Memoranda: | ||
| Average total assets | $180,776,670 | 3,468 |
| Average earning assets | $160,455,670 | 3,555 |
| Average equity | $13,817,000 | 4,348 |
| Average total loans | $76,585,000 | 4,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8571% | 3,004 |
| Cost of funding earning assets | 1.9414% | 4,423 |
| Net interest margin | 3.9157% | 2,987 |
| Noninterest income to average assets | 1.1340% | 1,150 |
| Noninterest expense to average assets | 3.3147% | 2,613 |
| Loan and lease loss provision to assets | 0.2801% | 3,715 |
| Net operating income to assets | 0.6746% | 3,690 |
| Return on assets (ROA) | 0.6746% | 3,871 |
| Pretax return on assets | 1.0018% | 3,340 |
| Return on Equity (ROE) | 8.7300% | 2,831 |
| Retained earnings to average equity (ytd only) | 2.9293% | 4,239 |
| Net charge-offs to loans | 0.4558% | 2,311 |
| Credit loss provision to net charge-offs | 145.3488% | 2,841 |
| Earnings coverage of net charge-offs (x) | 6.6512% | 2,460 |
| Efficiency ratio | 72.1112% | 4,175 |
| Assets per employee ($millions) | 2.8532% | 6,522 |
| Cash dividends to net income (ytd only)* | 66.4452% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 2,366 |
| Loan loss allowance to noncurrent loans | 113.6882% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 3,633 |
| Noncurrent loans to loans | 1.4406% | 4,141 |
| Net loans and leases to total assets | 39.3350% | 7,601 |
| Net loans and leases to deposits | 43.8149% | 7,732 |
| Net loans and leases to core deposits | 55.0377% | 7,650 |
| Total domestic deposits to total assets | 89.7753% | 898 |
| Equity capital to assets | 7.6821% | 7,196 |
| Core capital (leverage) ratio | 7.5649% | 7,070 |
| Tier 1 risk-based capital ratio | 13.3359% | 3,976 |
| Total risk-based capital ratio | 14.4973% | 3,944 |
| Memoranda: | ||
| Average total assets | $178,479,000 | 3,534 |
| Average earning assets | $157,825,000 | 3,615 |
| Average equity | $13,791,500 | 4,382 |
| Average total loans | $75,478,000 | 4,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6679% | 2,169 |
| Cost of funding earning assets | 2.5453% | 3,979 |
| Net interest margin | 4.1226% | 2,614 |
| Noninterest income to average assets | 1.5683% | 570 |
| Noninterest expense to average assets | 3.5425% | 2,283 |
| Loan and lease loss provision to assets | 0.1929% | 4,956 |
| Net operating income to assets | 1.0185% | 2,481 |
| Return on assets (ROA) | 0.9411% | 2,693 |
| Pretax return on assets | 1.3500% | 2,129 |
| Return on Equity (ROE) | 12.4185% | 1,473 |
| Retained earnings to average equity (ytd only) | 3.1236% | 3,210 |
| Net charge-offs to loans | 0.4197% | 2,720 |
| Credit loss provision to net charge-offs | 101.2085% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.6737% | 2,838 |
| Efficiency ratio | 68.1778% | 4,697 |
| Assets per employee ($millions) | 2.8121% | 6,530 |
| Cash dividends to net income (ytd only)* | 74.8470% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 2,775 |
| Loan loss allowance to noncurrent loans | 99.1431% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6077% | 3,033 |
| Noncurrent loans to loans | 1.4975% | 3,553 |
| Net loans and leases to total assets | 44.0345% | 7,463 |
| Net loans and leases to deposits | 49.1410% | 7,665 |
| Net loans and leases to core deposits | 63.4835% | 7,462 |
| Total domestic deposits to total assets | 89.6084% | 805 |
| Equity capital to assets | 7.7745% | 7,126 |
| Core capital (leverage) ratio | 7.6549% | 6,995 |
| Tier 1 risk-based capital ratio | 13.2100% | 3,986 |
| Total risk-based capital ratio | 14.3311% | 3,975 |
| Memoranda: | ||
| Average total assets | $173,633,000 | 3,497 |
| Average earning assets | $152,791,400 | 3,601 |
| Average equity | $13,157,800 | 4,530 |
| Average total loans | $78,861,200 | 4,559 |