Home > The Farmers and Merchants Bank > Performance and Condition Ratios
The Farmers and Merchants Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,106 |
| Cost of funding earning assets | 0.9938% | 3,313 |
| Net interest margin | 2.8815% | 3,521 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4380% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4971% | 3,674 |
| Return on assets (ROA) | 0.4971% | 3,673 |
| Pretax return on assets | 0.5678% | 3,693 |
| Return on Equity (ROE) | 7.5100% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.4061% | 3,480 |
| Net charge-offs to loans | -0.0019% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.9888% | 852 |
| Assets per employee ($millions) | 7.4940% | 1,735 |
| Cash dividends to net income (ytd only)* | 67.9435% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 1,755 |
| Loan loss allowance to noncurrent loans | 148,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 1,825 |
| Noncurrent loans to loans | 0.0009% | 3,802 |
| Net loans and leases to total assets | 55.5500% | 3,232 |
| Net loans and leases to deposits | 61.0595% | 3,466 |
| Net loans and leases to core deposits | 70.7878% | 3,258 |
| Total domestic deposits to total assets | 90.9800% | 507 |
| Equity capital to assets | 6.8044% | 4,016 |
| Core capital (leverage) ratio | 8.4892% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3500% | 1,739 |
| Memoranda: | ||
| Average total assets | $199,549,800 | 2,996 |
| Average earning assets | $186,151,600 | 2,967 |
| Average equity | $13,216,200 | 3,407 |
| Average total loans | $107,351,800 | 3,100 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,099 |
| Cost of funding earning assets | 0.8994% | 3,274 |
| Net interest margin | 2.9139% | 3,515 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3306% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5900% | 3,569 |
| Return on assets (ROA) | 0.5900% | 3,556 |
| Pretax return on assets | 0.7034% | 3,540 |
| Return on Equity (ROE) | 8.9700% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.4626% | 2,154 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8347% | 1,106 |
| Assets per employee ($millions) | 7.1572% | 1,843 |
| Cash dividends to net income (ytd only)* | 16.8182% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 1,642 |
| Loan loss allowance to noncurrent loans | 140,100.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,887 |
| Noncurrent loans to loans | 0.0010% | 3,830 |
| Net loans and leases to total assets | 50.9800% | 3,556 |
| Net loans and leases to deposits | 55.9027% | 3,718 |
| Net loans and leases to core deposits | 66.0984% | 3,427 |
| Total domestic deposits to total assets | 91.1900% | 628 |
| Equity capital to assets | 6.5354% | 3,822 |
| Core capital (leverage) ratio | 8.6006% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3302% | 1,464 |
| Memoranda: | ||
| Average total assets | $198,852,500 | 3,005 |
| Average earning assets | $185,449,000 | 2,985 |
| Average equity | $13,078,250 | 3,412 |
| Average total loans | $105,719,250 | 3,116 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,107 |
| Cost of funding earning assets | 0.7658% | 3,311 |
| Net interest margin | 2.9681% | 3,515 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3112% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6423% | 3,482 |
| Return on assets (ROA) | 0.6423% | 3,492 |
| Pretax return on assets | 0.7724% | 3,456 |
| Return on Equity (ROE) | 9.7500% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.4816% | 2,137 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9509% | 1,259 |
| Assets per employee ($millions) | 7.7067% | 1,464 |
| Cash dividends to net income (ytd only)* | 23.2339% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,639 |
| Loan loss allowance to noncurrent loans | 69,900.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,901 |
| Noncurrent loans to loans | 0.0020% | 3,823 |
| Net loans and leases to total assets | 50.2400% | 3,543 |
| Net loans and leases to deposits | 55.0639% | 3,694 |
| Net loans and leases to core deposits | 64.2339% | 3,437 |
| Total domestic deposits to total assets | 91.2500% | 570 |
| Equity capital to assets | 6.5992% | 3,953 |
| Core capital (leverage) ratio | 8.6979% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2518% | 1,498 |
| Memoranda: | ||
| Average total assets | $198,336,000 | 3,012 |
| Average earning assets | $185,168,000 | 2,995 |
| Average equity | $13,072,000 | 3,427 |
| Average total loans | $106,440,333 | 3,103 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,068 |
| Cost of funding earning assets | 0.6236% | 3,310 |
| Net interest margin | 3.0505% | 3,465 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.7489% | 1,553 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3629% | 4,149 |
| Return on assets (ROA) | 0.3629% | 4,103 |
| Pretax return on assets | 0.4054% | 4,124 |
| Return on Equity (ROE) | 5.5100% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.5092% | 2,884 |
| Net charge-offs to loans | 0.0037% | 1,867 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,679 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 501 |
| Efficiency ratio | 86.9788% | 469 |
| Assets per employee ($millions) | 7.8518% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,830 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.7700% | 3,293 |
| Net loans and leases to deposits | 57.8663% | 3,458 |
| Net loans and leases to core deposits | 65.6319% | 3,257 |
| Total domestic deposits to total assets | 91.1900% | 741 |
| Equity capital to assets | 6.6996% | 3,963 |
| Core capital (leverage) ratio | 8.5329% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9352% | 1,645 |
| Memoranda: | ||
| Average total assets | $197,317,000 | 3,058 |
| Average earning assets | $184,099,000 | 3,034 |
| Average equity | $12,996,500 | 3,476 |
| Average total loans | $108,624,000 | 3,108 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 3,841 |
| Cost of funding earning assets | 0.2799% | 3,045 |
| Net interest margin | 2.9047% | 3,666 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.3007% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6429% | 3,773 |
| Return on assets (ROA) | 0.6429% | 3,725 |
| Pretax return on assets | 0.7854% | 3,665 |
| Return on Equity (ROE) | 8.8900% | 3,154 |
| Retained earnings to average equity (ytd only) | 5.9992% | 2,648 |
| Net charge-offs to loans | 0.0218% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 67.6818% | 1,177 |
| Efficiency ratio | 74.5514% | 1,164 |
| Assets per employee ($millions) | 6.8393% | 2,089 |
| Cash dividends to net income (ytd only)* | 32.4856% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.8900% | 3,043 |
| Net loans and leases to deposits | 65.3155% | 2,931 |
| Net loans and leases to core deposits | 71.9189% | 2,731 |
| Total domestic deposits to total assets | 85.5600% | 2,839 |
| Equity capital to assets | 6.4747% | 3,912 |
| Core capital (leverage) ratio | 8.6970% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8240% | 2,045 |
| Memoranda: | ||
| Average total assets | $189,596,400 | 3,104 |
| Average earning assets | $176,851,600 | 3,089 |
| Average equity | $13,718,400 | 3,500 |
| Average total loans | $100,902,200 | 3,140 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0576% | 3,774 |
| Cost of funding earning assets | 0.2077% | 3,178 |
| Net interest margin | 2.8499% | 3,624 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.3157% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6076% | 3,814 |
| Return on assets (ROA) | 0.6076% | 3,769 |
| Pretax return on assets | 0.7420% | 3,711 |
| Return on Equity (ROE) | 8.1700% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.7634% | 2,457 |
| Net charge-offs to loans | -0.0095% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7329% | 1,101 |
| Assets per employee ($millions) | 6.7688% | 2,117 |
| Cash dividends to net income (ytd only)* | 17.2131% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,806 |
| Loan loss allowance to noncurrent loans | 1,271.6814% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,294 |
| Noncurrent loans to loans | 0.1061% | 3,122 |
| Net loans and leases to total assets | 55.4400% | 2,958 |
| Net loans and leases to deposits | 61.7464% | 3,036 |
| Net loans and leases to core deposits | 68.2593% | 2,781 |
| Total domestic deposits to total assets | 89.7800% | 1,751 |
| Equity capital to assets | 6.5294% | 3,725 |
| Core capital (leverage) ratio | 8.7013% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0489% | 2,038 |
| Memoranda: | ||
| Average total assets | $187,410,500 | 3,149 |
| Average earning assets | $175,207,000 | 3,131 |
| Average equity | $13,937,500 | 3,521 |
| Average total loans | $98,064,250 | 3,187 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9094% | 3,753 |
| Cost of funding earning assets | 0.1560% | 3,501 |
| Net interest margin | 2.7535% | 3,568 |
| Noninterest income to average assets | 0.4188% | 2,638 |
| Noninterest expense to average assets | 2.3234% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5463% | 3,776 |
| Return on assets (ROA) | 0.5463% | 3,729 |
| Pretax return on assets | 0.6674% | 3,661 |
| Return on Equity (ROE) | 7.0548% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.0213% | 2,701 |
| Net charge-offs to loans | -0.0126% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6862% | 1,106 |
| Assets per employee ($millions) | 6.7802% | 2,090 |
| Cash dividends to net income (ytd only)* | 28.8235% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,248.6957% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,374 |
| Noncurrent loans to loans | 0.1157% | 3,158 |
| Net loans and leases to total assets | 51.5897% | 3,204 |
| Net loans and leases to deposits | 56.5378% | 3,337 |
| Net loans and leases to core deposits | 60.0511% | 3,271 |
| Total domestic deposits to total assets | 91.2482% | 1,131 |
| Equity capital to assets | 6.7323% | 3,921 |
| Core capital (leverage) ratio | 8.6009% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,705,333 | 3,186 |
| Average earning assets | $174,397,333 | 3,178 |
| Average equity | $14,458,333 | 3,546 |
| Average total loans | $95,252,000 | 3,250 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7769% | 3,786 |
| Cost of funding earning assets | 0.1552% | 3,432 |
| Net interest margin | 2.6218% | 3,607 |
| Noninterest income to average assets | 0.4840% | 2,214 |
| Noninterest expense to average assets | 2.3205% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4969% | 3,722 |
| Return on assets (ROA) | 0.4969% | 3,688 |
| Pretax return on assets | 0.6093% | 3,610 |
| Return on Equity (ROE) | 6.0143% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.0143% | 2,248 |
| Net charge-offs to loans | -0.0086% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2035% | 1,212 |
| Assets per employee ($millions) | 6.8541% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 1,516 |
| Loan loss allowance to noncurrent loans | 1,076.6917% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,370 |
| Noncurrent loans to loans | 0.1405% | 3,106 |
| Net loans and leases to total assets | 48.5929% | 3,322 |
| Net loans and leases to deposits | 53.7396% | 3,437 |
| Net loans and leases to core deposits | 56.9585% | 3,381 |
| Total domestic deposits to total assets | 90.4228% | 1,330 |
| Equity capital to assets | 7.5586% | 3,892 |
| Core capital (leverage) ratio | 8.5171% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,135,000 | 3,202 |
| Average earning assets | $172,709,000 | 3,202 |
| Average equity | $15,297,000 | 3,536 |
| Average total loans | $93,189,500 | 3,283 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 3,464 |
| Cost of funding earning assets | 0.1993% | 3,469 |
| Net interest margin | 3.0039% | 3,184 |
| Noninterest income to average assets | 0.6247% | 2,050 |
| Noninterest expense to average assets | 2.6253% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6211% | 3,830 |
| Return on assets (ROA) | 0.6211% | 3,875 |
| Pretax return on assets | 0.7947% | 3,738 |
| Return on Equity (ROE) | 6.5166% | 3,639 |
| Retained earnings to average equity (ytd only) | 2.9683% | 3,641 |
| Net charge-offs to loans | -0.0135% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7640% | 1,048 |
| Assets per employee ($millions) | 5.9452% | 2,831 |
| Cash dividends to net income (ytd only)* | 54.4498% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,363 |
| Loan loss allowance to noncurrent loans | 8,937.5000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,406 |
| Noncurrent loans to loans | 0.0175% | 3,953 |
| Net loans and leases to total assets | 50.6069% | 3,207 |
| Net loans and leases to deposits | 56.9744% | 3,342 |
| Net loans and leases to core deposits | 60.5061% | 3,283 |
| Total domestic deposits to total assets | 88.8240% | 1,609 |
| Equity capital to assets | 9.0202% | 3,600 |
| Core capital (leverage) ratio | 9.1223% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,244,800 | 3,317 |
| Average earning assets | $156,562,400 | 3,312 |
| Average equity | $16,036,000 | 3,538 |
| Average total loans | $88,592,400 | 3,355 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 3,978 |
| Cost of funding earning assets | 0.2134% | 3,482 |
| Net interest margin | 2.7990% | 3,782 |
| Noninterest income to average assets | 0.6501% | 2,007 |
| Noninterest expense to average assets | 2.6929% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4441% | 4,307 |
| Return on assets (ROA) | 0.4441% | 4,341 |
| Pretax return on assets | 0.5632% | 4,280 |
| Return on Equity (ROE) | 4.5933% | 4,205 |
| Retained earnings to average equity (ytd only) | 1.7641% | 4,255 |
| Net charge-offs to loans | -0.0121% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7032% | 595 |
| Assets per employee ($millions) | 5.3408% | 3,363 |
| Cash dividends to net income (ytd only)* | 61.5942% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 1,360 |
| Loan loss allowance to noncurrent loans | 8,912.5000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,174 |
| Noncurrent loans to loans | 0.0178% | 4,068 |
| Net loans and leases to total assets | 51.6339% | 3,233 |
| Net loans and leases to deposits | 58.5886% | 3,355 |
| Net loans and leases to core deposits | 62.3133% | 3,282 |
| Total domestic deposits to total assets | 88.1297% | 1,761 |
| Equity capital to assets | 9.4351% | 3,434 |
| Core capital (leverage) ratio | 9.2464% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,717,250 | 3,370 |
| Average earning assets | $154,292,000 | 3,362 |
| Average equity | $16,023,000 | 3,584 |
| Average total loans | $87,818,000 | 3,414 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9907% | 4,065 |
| Cost of funding earning assets | 0.2294% | 3,469 |
| Net interest margin | 2.7612% | 3,874 |
| Noninterest income to average assets | 0.7135% | 1,755 |
| Noninterest expense to average assets | 2.7502% | 1,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4195% | 4,345 |
| Return on assets (ROA) | 0.4195% | 4,390 |
| Pretax return on assets | 0.5317% | 4,335 |
| Return on Equity (ROE) | 4.3030% | 4,273 |
| Retained earnings to average equity (ytd only) | 0.3502% | 4,457 |
| Net charge-offs to loans | -0.0138% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7978% | 564 |
| Assets per employee ($millions) | 5.6084% | 3,010 |
| Cash dividends to net income (ytd only)* | 91.8605% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 1,199 |
| Loan loss allowance to noncurrent loans | 1,531.1828% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,877 |
| Noncurrent loans to loans | 0.1069% | 3,653 |
| Net loans and leases to total assets | 49.2224% | 3,631 |
| Net loans and leases to deposits | 55.5532% | 3,748 |
| Net loans and leases to core deposits | 58.8983% | 3,692 |
| Total domestic deposits to total assets | 88.6040% | 1,504 |
| Equity capital to assets | 9.1292% | 3,674 |
| Core capital (leverage) ratio | 9.3781% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,988,000 | 3,396 |
| Average earning assets | $152,539,667 | 3,388 |
| Average equity | $15,989,000 | 3,591 |
| Average total loans | $87,200,333 | 3,440 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0383% | 4,006 |
| Cost of funding earning assets | 0.2715% | 3,255 |
| Net interest margin | 2.7668% | 3,838 |
| Noninterest income to average assets | 0.8500% | 1,460 |
| Noninterest expense to average assets | 2.8620% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4351% | 4,296 |
| Return on assets (ROA) | 0.4351% | 4,328 |
| Pretax return on assets | 0.5508% | 4,272 |
| Return on Equity (ROE) | 4.3122% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.3122% | 3,413 |
| Net charge-offs to loans | -0.0137% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8615% | 602 |
| Assets per employee ($millions) | 5.3349% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,216 |
| Loan loss allowance to noncurrent loans | 1,435.3535% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,951 |
| Noncurrent loans to loans | 0.1136% | 3,740 |
| Net loans and leases to total assets | 51.8357% | 3,460 |
| Net loans and leases to deposits | 58.9392% | 3,568 |
| Net loans and leases to core deposits | 63.1935% | 3,484 |
| Total domestic deposits to total assets | 87.9479% | 1,870 |
| Equity capital to assets | 9.6830% | 3,024 |
| Core capital (leverage) ratio | 9.7001% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,052,000 | 3,444 |
| Average earning assets | $147,319,500 | 3,451 |
| Average equity | $16,047,500 | 3,599 |
| Average total loans | $87,299,500 | 3,448 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 3,626 |
| Cost of funding earning assets | 0.4450% | 3,311 |
| Net interest margin | 3.2364% | 3,258 |
| Noninterest income to average assets | 1.0882% | 899 |
| Noninterest expense to average assets | 3.0070% | 1,418 |
| Loan and lease loss provision to assets | 0.0285% | 4,042 |
| Net operating income to assets | 0.7949% | 3,114 |
| Return on assets (ROA) | 0.7971% | 3,222 |
| Pretax return on assets | 1.0370% | 2,924 |
| Return on Equity (ROE) | 7.2054% | 3,122 |
| Retained earnings to average equity (ytd only) | 4.7736% | 2,383 |
| Net charge-offs to loans | -0.0104% | 4,265 |
| Credit loss provision to net charge-offs | -444.4444% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8895% | 1,459 |
| Assets per employee ($millions) | 4.9265% | 3,471 |
| Cash dividends to net income (ytd only)* | 33.7500% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,237 |
| Loan loss allowance to noncurrent loans | 1,326.1682% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,992 |
| Noncurrent loans to loans | 0.1224% | 3,796 |
| Net loans and leases to total assets | 56.3324% | 3,266 |
| Net loans and leases to deposits | 64.7978% | 3,377 |
| Net loans and leases to core deposits | 70.5279% | 3,223 |
| Total domestic deposits to total assets | 86.9357% | 1,971 |
| Equity capital to assets | 10.5296% | 2,645 |
| Core capital (leverage) ratio | 10.5022% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,504,600 | 3,506 |
| Average earning assets | $129,432,200 | 3,514 |
| Average equity | $15,543,800 | 3,603 |
| Average total loans | $86,144,000 | 3,467 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 3,545 |
| Cost of funding earning assets | 0.4885% | 3,301 |
| Net interest margin | 3.3192% | 3,128 |
| Noninterest income to average assets | 0.9264% | 1,161 |
| Noninterest expense to average assets | 2.9983% | 1,446 |
| Loan and lease loss provision to assets | 0.0240% | 4,034 |
| Net operating income to assets | 0.7409% | 3,315 |
| Return on assets (ROA) | 0.7440% | 3,407 |
| Pretax return on assets | 0.9661% | 3,174 |
| Return on Equity (ROE) | 6.6364% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.3472% | 2,406 |
| Net charge-offs to loans | -0.0140% | 4,311 |
| Credit loss provision to net charge-offs | -277.7778% | 3,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2434% | 1,274 |
| Assets per employee ($millions) | 4.4629% | 3,888 |
| Cash dividends to net income (ytd only)* | 19.4263% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,230.7018% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,029 |
| Noncurrent loans to loans | 0.1296% | 3,867 |
| Net loans and leases to total assets | 60.6336% | 3,148 |
| Net loans and leases to deposits | 70.4751% | 3,270 |
| Net loans and leases to core deposits | 77.2501% | 3,073 |
| Total domestic deposits to total assets | 86.0355% | 2,053 |
| Equity capital to assets | 11.1482% | 2,285 |
| Core capital (leverage) ratio | 10.9617% | 1,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,450,250 | 3,536 |
| Average earning assets | $126,652,000 | 3,531 |
| Average equity | $15,409,500 | 3,617 |
| Average total loans | $85,817,250 | 3,487 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 3,607 |
| Cost of funding earning assets | 0.5272% | 3,369 |
| Net interest margin | 3.3754% | 3,168 |
| Noninterest income to average assets | 0.7445% | 1,594 |
| Noninterest expense to average assets | 2.9912% | 1,591 |
| Loan and lease loss provision to assets | 0.0221% | 3,970 |
| Net operating income to assets | 0.6543% | 3,568 |
| Return on assets (ROA) | 0.6590% | 3,646 |
| Pretax return on assets | 0.8521% | 3,450 |
| Return on Equity (ROE) | 5.8665% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.9110% | 2,951 |
| Net charge-offs to loans | -0.0165% | 4,351 |
| Credit loss provision to net charge-offs | -214.2857% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5019% | 1,106 |
| Assets per employee ($millions) | 4.5628% | 3,704 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,044 |
| Loan loss allowance to noncurrent loans | 1,095.2756% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,078 |
| Noncurrent loans to loans | 0.1447% | 3,878 |
| Net loans and leases to total assets | 61.0853% | 3,207 |
| Net loans and leases to deposits | 70.9288% | 3,352 |
| Net loans and leases to core deposits | 77.6428% | 3,136 |
| Total domestic deposits to total assets | 86.1221% | 1,956 |
| Equity capital to assets | 11.0217% | 2,322 |
| Core capital (leverage) ratio | 10.9856% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,663,000 | 3,535 |
| Average earning assets | $125,200,000 | 3,528 |
| Average equity | $15,239,000 | 3,632 |
| Average total loans | $85,091,333 | 3,500 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,523 |
| Cost of funding earning assets | 0.6181% | 3,340 |
| Net interest margin | 3.4831% | 3,040 |
| Noninterest income to average assets | 0.4188% | 2,978 |
| Noninterest expense to average assets | 3.0519% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4525% | 4,010 |
| Return on assets (ROA) | 0.4549% | 4,059 |
| Pretax return on assets | 0.5784% | 3,956 |
| Return on Equity (ROE) | 4.0097% | 3,950 |
| Retained earnings to average equity (ytd only) | 4.0097% | 2,677 |
| Net charge-offs to loans | -0.0143% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1362% | 821 |
| Assets per employee ($millions) | 4.3364% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,046 |
| Loan loss allowance to noncurrent loans | 952.7778% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,084 |
| Noncurrent loans to loans | 0.1689% | 3,861 |
| Net loans and leases to total assets | 62.4049% | 3,252 |
| Net loans and leases to deposits | 72.6828% | 3,389 |
| Net loans and leases to core deposits | 81.5280% | 3,061 |
| Total domestic deposits to total assets | 85.8592% | 2,053 |
| Equity capital to assets | 11.2760% | 2,611 |
| Core capital (leverage) ratio | 11.2687% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,770,500 | 3,554 |
| Average earning assets | $122,304,500 | 3,543 |
| Average equity | $15,063,500 | 3,655 |
| Average total loans | $83,739,500 | 3,521 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 3,620 |
| Cost of funding earning assets | 0.6816% | 3,254 |
| Net interest margin | 3.5885% | 3,169 |
| Noninterest income to average assets | 0.4609% | 2,947 |
| Noninterest expense to average assets | 2.8579% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7484% | 3,706 |
| Return on assets (ROA) | 0.7539% | 3,765 |
| Pretax return on assets | 0.9766% | 3,520 |
| Return on Equity (ROE) | 6.6527% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.9409% | 3,560 |
| Net charge-offs to loans | -0.0894% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6667% | 1,531 |
| Assets per employee ($millions) | 4.2295% | 3,599 |
| Cash dividends to net income (ytd only)* | 55.7949% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 862 |
| Loan loss allowance to noncurrent loans | 964.0845% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,087 |
| Noncurrent loans to loans | 0.1727% | 3,843 |
| Net loans and leases to total assets | 61.6631% | 3,434 |
| Net loans and leases to deposits | 71.9899% | 3,524 |
| Net loans and leases to core deposits | 81.0216% | 3,210 |
| Total domestic deposits to total assets | 85.6552% | 2,217 |
| Equity capital to assets | 11.4168% | 2,606 |
| Core capital (leverage) ratio | 11.2083% | 2,326 |
| Tier 1 risk-based capital ratio | 17.2031% | 1,994 |
| Total risk-based capital ratio | 18.4581% | 1,934 |
| Memoranda: | ||
| Average total assets | $129,324,400 | 3,571 |
| Average earning assets | $121,333,200 | 3,544 |
| Average equity | $14,655,600 | 3,671 |
| Average total loans | $80,501,200 | 3,595 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 3,661 |
| Cost of funding earning assets | 0.6812% | 3,303 |
| Net interest margin | 3.6165% | 3,208 |
| Noninterest income to average assets | 0.4324% | 3,124 |
| Noninterest expense to average assets | 2.8285% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7836% | 3,724 |
| Return on assets (ROA) | 0.7894% | 3,780 |
| Pretax return on assets | 1.0221% | 3,515 |
| Return on Equity (ROE) | 6.9788% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.3263% | 3,232 |
| Net charge-offs to loans | -0.2414% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5935% | 1,631 |
| Assets per employee ($millions) | 4.2737% | 3,519 |
| Cash dividends to net income (ytd only)* | 38.0081% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 709 |
| Loan loss allowance to noncurrent loans | 1,015.4930% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 4,176 |
| Noncurrent loans to loans | 0.1755% | 3,908 |
| Net loans and leases to total assets | 60.0012% | 3,672 |
| Net loans and leases to deposits | 70.0827% | 3,766 |
| Net loans and leases to core deposits | 79.2566% | 3,445 |
| Total domestic deposits to total assets | 85.6149% | 2,159 |
| Equity capital to assets | 11.3274% | 2,818 |
| Core capital (leverage) ratio | 11.3707% | 2,326 |
| Tier 1 risk-based capital ratio | 17.6061% | 1,921 |
| Total risk-based capital ratio | 18.8612% | 1,881 |
| Memoranda: | ||
| Average total assets | $128,877,000 | 3,618 |
| Average earning assets | $121,550,000 | 3,580 |
| Average equity | $14,577,250 | 3,710 |
| Average total loans | $80,072,000 | 3,640 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,655 |
| Cost of funding earning assets | 0.6435% | 3,443 |
| Net interest margin | 3.6494% | 3,104 |
| Noninterest income to average assets | 0.4183% | 3,148 |
| Noninterest expense to average assets | 2.8244% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8116% | 3,612 |
| Return on assets (ROA) | 0.8005% | 3,713 |
| Pretax return on assets | 1.0354% | 3,432 |
| Return on Equity (ROE) | 7.0805% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.1038% | 3,668 |
| Net charge-offs to loans | -0.3585% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9074% | 1,790 |
| Assets per employee ($millions) | 4.5374% | 3,077 |
| Cash dividends to net income (ytd only)* | 56.1644% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 704 |
| Loan loss allowance to noncurrent loans | 1,972.6027% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,487 |
| Noncurrent loans to loans | 0.0903% | 4,280 |
| Net loans and leases to total assets | 60.3595% | 3,702 |
| Net loans and leases to deposits | 70.3577% | 3,812 |
| Net loans and leases to core deposits | 78.8132% | 3,517 |
| Total domestic deposits to total assets | 85.7894% | 2,140 |
| Equity capital to assets | 11.2140% | 2,844 |
| Core capital (leverage) ratio | 11.6537% | 2,056 |
| Tier 1 risk-based capital ratio | 17.4874% | 1,944 |
| Total risk-based capital ratio | 18.7431% | 1,902 |
| Memoranda: | ||
| Average total assets | $127,674,670 | 3,654 |
| Average earning assets | $120,897,670 | 3,611 |
| Average equity | $14,434,000 | 3,730 |
| Average total loans | $79,784,670 | 3,664 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 3,554 |
| Cost of funding earning assets | 0.5985% | 3,584 |
| Net interest margin | 3.7018% | 2,887 |
| Noninterest income to average assets | 0.3945% | 3,217 |
| Noninterest expense to average assets | 2.8667% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7986% | 3,626 |
| Return on assets (ROA) | 0.7986% | 3,671 |
| Pretax return on assets | 1.0309% | 3,341 |
| Return on Equity (ROE) | 7.0343% | 3,669 |
| Retained earnings to average equity (ytd only) | 7.0343% | 2,024 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5510% | 1,809 |
| Assets per employee ($millions) | 4.5018% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,013 |
| Loan loss allowance to noncurrent loans | 960.7407% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,271 |
| Noncurrent loans to loans | 0.1693% | 3,991 |
| Net loans and leases to total assets | 62.2399% | 3,478 |
| Net loans and leases to deposits | 71.5006% | 3,645 |
| Net loans and leases to core deposits | 80.3297% | 3,333 |
| Total domestic deposits to total assets | 87.0481% | 1,786 |
| Equity capital to assets | 11.5017% | 2,399 |
| Core capital (leverage) ratio | 11.6159% | 2,038 |
| Tier 1 risk-based capital ratio | 17.7070% | 1,881 |
| Total risk-based capital ratio | 18.9606% | 1,838 |
| Memoranda: | ||
| Average total assets | $125,719,500 | 3,714 |
| Average earning assets | $118,969,500 | 3,671 |
| Average equity | $14,273,000 | 3,764 |
| Average total loans | $79,245,000 | 3,711 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,976 |
| Cost of funding earning assets | 0.4539% | 3,654 |
| Net interest margin | 3.5627% | 3,504 |
| Noninterest income to average assets | 0.3866% | 3,516 |
| Noninterest expense to average assets | 2.7618% | 2,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7685% | 3,917 |
| Return on assets (ROA) | 0.7685% | 3,921 |
| Pretax return on assets | 0.9883% | 3,646 |
| Return on Equity (ROE) | 7.0347% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.1844% | 3,806 |
| Net charge-offs to loans | 0.1616% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 9.9206% | 2,771 |
| Efficiency ratio | 73.6454% | 1,677 |
| Assets per employee ($millions) | 4.6440% | 2,969 |
| Cash dividends to net income (ytd only)* | 54.7325% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 930 |
| Loan loss allowance to noncurrent loans | 906.9930% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,258 |
| Noncurrent loans to loans | 0.1816% | 3,937 |
| Net loans and leases to total assets | 61.7619% | 3,592 |
| Net loans and leases to deposits | 70.6207% | 3,780 |
| Net loans and leases to core deposits | 78.8993% | 3,508 |
| Total domestic deposits to total assets | 87.4557% | 1,559 |
| Equity capital to assets | 11.2036% | 2,512 |
| Core capital (leverage) ratio | 11.7522% | 1,914 |
| Tier 1 risk-based capital ratio | 17.6893% | 1,850 |
| Total risk-based capital ratio | 18.9426% | 1,800 |
| Memoranda: | ||
| Average total assets | $126,474,200 | 3,689 |
| Average earning assets | $119,402,200 | 3,654 |
| Average equity | $13,817,200 | 3,774 |
| Average total loans | $77,949,000 | 3,706 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 4,008 |
| Cost of funding earning assets | 0.4287% | 3,671 |
| Net interest margin | 3.5457% | 3,534 |
| Noninterest income to average assets | 0.3913% | 3,537 |
| Noninterest expense to average assets | 2.7551% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7669% | 4,023 |
| Return on assets (ROA) | 0.7669% | 4,032 |
| Pretax return on assets | 0.9857% | 3,765 |
| Return on Equity (ROE) | 7.0641% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.0504% | 3,745 |
| Net charge-offs to loans | 0.2281% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.0451% | 2,833 |
| Efficiency ratio | 73.6502% | 1,648 |
| Assets per employee ($millions) | 4.2844% | 3,457 |
| Cash dividends to net income (ytd only)* | 42.6614% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 895 |
| Loan loss allowance to noncurrent loans | 843.1373% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,350 |
| Noncurrent loans to loans | 0.2004% | 3,995 |
| Net loans and leases to total assets | 60.4047% | 3,804 |
| Net loans and leases to deposits | 69.1122% | 3,984 |
| Net loans and leases to core deposits | 77.0766% | 3,734 |
| Total domestic deposits to total assets | 87.4009% | 1,545 |
| Equity capital to assets | 11.1230% | 2,541 |
| Core capital (leverage) ratio | 11.7343% | 1,983 |
| Tier 1 risk-based capital ratio | 18.0881% | 1,764 |
| Total risk-based capital ratio | 19.3427% | 1,718 |
| Memoranda: | ||
| Average total assets | $126,745,750 | 3,718 |
| Average earning assets | $119,729,750 | 3,684 |
| Average equity | $13,759,500 | 3,809 |
| Average total loans | $77,751,500 | 3,739 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 4,087 |
| Cost of funding earning assets | 0.3922% | 3,783 |
| Net interest margin | 3.5054% | 3,609 |
| Noninterest income to average assets | 0.3590% | 3,751 |
| Noninterest expense to average assets | 2.7654% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7129% | 4,160 |
| Return on assets (ROA) | 0.7352% | 4,080 |
| Pretax return on assets | 0.9422% | 3,834 |
| Return on Equity (ROE) | 6.8271% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.6290% | 3,272 |
| Net charge-offs to loans | -0.0128% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1598% | 1,537 |
| Assets per employee ($millions) | 4.3338% | 3,381 |
| Cash dividends to net income (ytd only)* | 32.1962% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 674 |
| Loan loss allowance to noncurrent loans | 469.7368% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 3,798 |
| Noncurrent loans to loans | 0.3971% | 3,265 |
| Net loans and leases to total assets | 59.7820% | 3,831 |
| Net loans and leases to deposits | 68.1562% | 4,005 |
| Net loans and leases to core deposits | 75.6758% | 3,765 |
| Total domestic deposits to total assets | 87.7132% | 1,531 |
| Equity capital to assets | 10.8840% | 2,747 |
| Core capital (leverage) ratio | 11.3385% | 2,216 |
| Tier 1 risk-based capital ratio | 17.3065% | 1,998 |
| Total risk-based capital ratio | 18.5620% | 1,950 |
| Memoranda: | ||
| Average total assets | $127,578,670 | 3,739 |
| Average earning assets | $120,841,330 | 3,691 |
| Average equity | $13,739,330 | 3,831 |
| Average total loans | $78,221,670 | 3,748 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,284 |
| Cost of funding earning assets | 0.3676% | 3,849 |
| Net interest margin | 3.4103% | 3,848 |
| Noninterest income to average assets | 0.3641% | 3,706 |
| Noninterest expense to average assets | 2.6453% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7407% | 3,941 |
| Return on assets (ROA) | 0.7407% | 3,941 |
| Pretax return on assets | 0.9523% | 3,697 |
| Return on Equity (ROE) | 6.9138% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.9138% | 2,320 |
| Net charge-offs to loans | -0.0101% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5294% | 1,960 |
| Assets per employee ($millions) | 4.4010% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 702 |
| Loan loss allowance to noncurrent loans | 452.3810% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 3,881 |
| Noncurrent loans to loans | 0.4115% | 3,304 |
| Net loans and leases to total assets | 58.8545% | 3,867 |
| Net loans and leases to deposits | 67.5564% | 3,980 |
| Net loans and leases to core deposits | 74.9362% | 3,747 |
| Total domestic deposits to total assets | 87.1190% | 2,076 |
| Equity capital to assets | 10.7631% | 2,810 |
| Core capital (leverage) ratio | 11.2196% | 2,230 |
| Tier 1 risk-based capital ratio | 17.1373% | 2,081 |
| Total risk-based capital ratio | 18.3924% | 2,033 |
| Memoranda: | ||
| Average total assets | $128,528,000 | 3,766 |
| Average earning assets | $121,865,500 | 3,717 |
| Average equity | $13,769,500 | 3,859 |
| Average total loans | $79,051,500 | 3,762 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,226 |
| Cost of funding earning assets | 0.2826% | 4,294 |
| Net interest margin | 3.4645% | 3,641 |
| Noninterest income to average assets | 0.3476% | 3,978 |
| Noninterest expense to average assets | 2.5356% | 3,657 |
| Loan and lease loss provision to assets | 0.0157% | 3,978 |
| Net operating income to assets | 0.6900% | 3,640 |
| Return on assets (ROA) | 0.7006% | 3,658 |
| Pretax return on assets | 1.0858% | 3,244 |
| Return on Equity (ROE) | 6.5049% | 3,529 |
| Retained earnings to average equity (ytd only) | 3.8303% | 2,924 |
| Net charge-offs to loans | -0.0100% | 4,791 |
| Credit loss provision to net charge-offs | -250.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0324% | 2,539 |
| Assets per employee ($millions) | 4.6224% | 2,996 |
| Cash dividends to net income (ytd only)* | 41.1173% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 868 |
| Loan loss allowance to noncurrent loans | 436.5031% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 3,876 |
| Noncurrent loans to loans | 0.3997% | 3,328 |
| Net loans and leases to total assets | 61.9188% | 3,634 |
| Net loans and leases to deposits | 70.9327% | 3,799 |
| Net loans and leases to core deposits | 76.8108% | 3,683 |
| Total domestic deposits to total assets | 87.2924% | 1,861 |
| Equity capital to assets | 10.6640% | 2,980 |
| Core capital (leverage) ratio | 11.0400% | 2,303 |
| Tier 1 risk-based capital ratio | 15.8911% | 2,472 |
| Total risk-based capital ratio | 17.1447% | 2,416 |
| Memoranda: | ||
| Average total assets | $127,738,800 | 3,781 |
| Average earning assets | $120,680,800 | 3,731 |
| Average equity | $13,758,800 | 3,877 |
| Average total loans | $79,839,200 | 3,753 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 4,165 |
| Cost of funding earning assets | 0.2737% | 4,374 |
| Net interest margin | 3.4799% | 3,567 |
| Noninterest income to average assets | 0.3456% | 4,069 |
| Noninterest expense to average assets | 2.4840% | 3,790 |
| Loan and lease loss provision to assets | 0.0209% | 3,729 |
| Net operating income to assets | 0.7694% | 3,649 |
| Return on assets (ROA) | 0.7844% | 3,641 |
| Pretax return on assets | 1.1509% | 3,110 |
| Return on Equity (ROE) | 7.2639% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.7704% | 2,390 |
| Net charge-offs to loans | -0.0168% | 4,794 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3573% | 2,814 |
| Assets per employee ($millions) | 4.6407% | 2,916 |
| Cash dividends to net income (ytd only)* | 20.5610% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 896 |
| Loan loss allowance to noncurrent loans | 188.2431% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 2,706 |
| Noncurrent loans to loans | 0.9423% | 2,035 |
| Net loans and leases to total assets | 62.9790% | 3,553 |
| Net loans and leases to deposits | 72.7407% | 3,698 |
| Net loans and leases to core deposits | 79.5540% | 3,484 |
| Total domestic deposits to total assets | 86.5801% | 2,056 |
| Equity capital to assets | 11.1685% | 2,703 |
| Core capital (leverage) ratio | 11.1421% | 2,332 |
| Tier 1 risk-based capital ratio | 16.2154% | 2,408 |
| Total risk-based capital ratio | 17.4701% | 2,358 |
| Memoranda: | ||
| Average total assets | $127,317,000 | 3,821 |
| Average earning assets | $120,306,000 | 3,783 |
| Average equity | $13,748,000 | 3,919 |
| Average total loans | $79,408,500 | 3,788 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,109 |
| Cost of funding earning assets | 0.2645% | 4,425 |
| Net interest margin | 3.4738% | 3,494 |
| Noninterest income to average assets | 0.3344% | 4,154 |
| Noninterest expense to average assets | 2.4705% | 3,847 |
| Loan and lease loss provision to assets | 0.0313% | 3,373 |
| Net operating income to assets | 0.7642% | 3,572 |
| Return on assets (ROA) | 0.7844% | 3,525 |
| Pretax return on assets | 1.1454% | 2,996 |
| Return on Equity (ROE) | 7.3467% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.0929% | 2,645 |
| Net charge-offs to loans | -0.0076% | 4,445 |
| Credit loss provision to net charge-offs | -666.6667% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2937% | 2,957 |
| Assets per employee ($millions) | 4.7903% | 2,667 |
| Cash dividends to net income (ytd only)* | 30.6773% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 923 |
| Loan loss allowance to noncurrent loans | 162.8014% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,530 |
| Noncurrent loans to loans | 1.0935% | 1,793 |
| Net loans and leases to total assets | 60.4873% | 3,796 |
| Net loans and leases to deposits | 71.2654% | 3,803 |
| Net loans and leases to core deposits | 77.8422% | 3,612 |
| Total domestic deposits to total assets | 84.8761% | 2,855 |
| Equity capital to assets | 10.6976% | 3,134 |
| Core capital (leverage) ratio | 10.9359% | 2,472 |
| Tier 1 risk-based capital ratio | 16.0189% | 2,497 |
| Total risk-based capital ratio | 17.2739% | 2,435 |
| Memoranda: | ||
| Average total assets | $127,989,670 | 3,842 |
| Average earning assets | $120,963,000 | 3,788 |
| Average equity | $13,666,000 | 3,939 |
| Average total loans | $79,099,000 | 3,809 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 3,857 |
| Cost of funding earning assets | 0.2562% | 4,485 |
| Net interest margin | 3.5166% | 3,214 |
| Noninterest income to average assets | 0.3267% | 4,207 |
| Noninterest expense to average assets | 2.5197% | 3,746 |
| Loan and lease loss provision to assets | 0.0628% | 2,549 |
| Net operating income to assets | 0.7383% | 3,524 |
| Return on assets (ROA) | 0.7383% | 3,575 |
| Pretax return on assets | 1.0651% | 3,108 |
| Return on Equity (ROE) | 6.9214% | 3,435 |
| Retained earnings to average equity (ytd only) | 6.9214% | 1,879 |
| Net charge-offs to loans | -0.0101% | 4,428 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0784% | 3,032 |
| Assets per employee ($millions) | 4.7703% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 925 |
| Loan loss allowance to noncurrent loans | 224.3671% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 3,266 |
| Noncurrent loans to loans | 0.8107% | 2,425 |
| Net loans and leases to total assets | 59.4264% | 3,842 |
| Net loans and leases to deposits | 69.0794% | 3,885 |
| Net loans and leases to core deposits | 75.3866% | 3,707 |
| Total domestic deposits to total assets | 86.0262% | 2,653 |
| Equity capital to assets | 10.6609% | 2,999 |
| Core capital (leverage) ratio | 10.8404% | 2,557 |
| Tier 1 risk-based capital ratio | 16.1809% | 2,480 |
| Total risk-based capital ratio | 17.4354% | 2,424 |
| Memoranda: | ||
| Average total assets | $127,315,500 | 3,888 |
| Average earning assets | $120,228,500 | 3,834 |
| Average equity | $13,581,000 | 3,981 |
| Average total loans | $78,823,000 | 3,837 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,368 |
| Cost of funding earning assets | 0.2644% | 4,421 |
| Net interest margin | 3.3861% | 3,864 |
| Noninterest income to average assets | 0.3741% | 4,070 |
| Noninterest expense to average assets | 2.5465% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6956% | 3,801 |
| Return on assets (ROA) | 0.7684% | 3,564 |
| Pretax return on assets | 1.1409% | 2,934 |
| Return on Equity (ROE) | 7.0347% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.3239% | 2,825 |
| Net charge-offs to loans | -0.0712% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1556% | 2,715 |
| Assets per employee ($millions) | 4.6605% | 2,859 |
| Cash dividends to net income (ytd only)* | 38.5340% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 1,042 |
| Loan loss allowance to noncurrent loans | 216.2791% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 3,214 |
| Noncurrent loans to loans | 0.8094% | 2,498 |
| Net loans and leases to total assets | 62.2198% | 3,585 |
| Net loans and leases to deposits | 71.7856% | 3,731 |
| Net loans and leases to core deposits | 78.4892% | 3,536 |
| Total domestic deposits to total assets | 86.6744% | 2,299 |
| Equity capital to assets | 10.6737% | 2,955 |
| Core capital (leverage) ratio | 10.7644% | 2,572 |
| Tier 1 risk-based capital ratio | 15.6060% | 2,703 |
| Total risk-based capital ratio | 16.8603% | 2,635 |
| Memoranda: | ||
| Average total assets | $124,288,200 | 3,921 |
| Average earning assets | $117,628,400 | 3,872 |
| Average equity | $13,575,600 | 4,011 |
| Average total loans | $77,259,600 | 3,870 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 4,497 |
| Cost of funding earning assets | 0.2587% | 4,527 |
| Net interest margin | 3.3592% | 4,002 |
| Noninterest income to average assets | 0.3842% | 4,036 |
| Noninterest expense to average assets | 2.5245% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6987% | 3,855 |
| Return on assets (ROA) | 0.7888% | 3,561 |
| Pretax return on assets | 1.1794% | 2,917 |
| Return on Equity (ROE) | 7.1799% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.6617% | 2,386 |
| Net charge-offs to loans | -0.0818% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7266% | 2,788 |
| Assets per employee ($millions) | 4.5178% | 3,057 |
| Cash dividends to net income (ytd only)* | 21.1458% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 1,216 |
| Loan loss allowance to noncurrent loans | 630.4545% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 4,744 |
| Noncurrent loans to loans | 0.2703% | 4,293 |
| Net loans and leases to total assets | 63.2347% | 3,492 |
| Net loans and leases to deposits | 73.0056% | 3,703 |
| Net loans and leases to core deposits | 78.8156% | 3,573 |
| Total domestic deposits to total assets | 86.6163% | 2,077 |
| Equity capital to assets | 10.9607% | 3,056 |
| Core capital (leverage) ratio | 10.8872% | 2,583 |
| Tier 1 risk-based capital ratio | 15.6474% | 2,769 |
| Total risk-based capital ratio | 16.9011% | 2,698 |
| Memoranda: | ||
| Average total assets | $123,902,000 | 3,950 |
| Average earning assets | $117,486,250 | 3,899 |
| Average equity | $13,611,750 | 4,041 |
| Average total loans | $76,652,500 | 3,913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6007% | 4,587 |
| Cost of funding earning assets | 0.2364% | 4,787 |
| Net interest margin | 3.3643% | 4,011 |
| Noninterest income to average assets | 0.4048% | 3,843 |
| Noninterest expense to average assets | 2.5228% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7158% | 3,715 |
| Return on assets (ROA) | 0.8095% | 3,396 |
| Pretax return on assets | 1.2143% | 2,730 |
| Return on Equity (ROE) | 7.3629% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.0712% | 2,686 |
| Net charge-offs to loans | -0.1092% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1310% | 2,959 |
| Assets per employee ($millions) | 4.3714% | 3,269 |
| Cash dividends to net income (ytd only)* | 31.1245% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7741% | 1,129 |
| Loan loss allowance to noncurrent loans | 600.4348% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,766 |
| Noncurrent loans to loans | 0.2955% | 4,314 |
| Net loans and leases to total assets | 60.3138% | 3,844 |
| Net loans and leases to deposits | 69.1554% | 4,068 |
| Net loans and leases to core deposits | 75.7377% | 3,843 |
| Total domestic deposits to total assets | 87.2148% | 1,798 |
| Equity capital to assets | 10.8123% | 3,269 |
| Core capital (leverage) ratio | 11.0688% | 2,365 |
| Tier 1 risk-based capital ratio | 15.9187% | 2,683 |
| Total risk-based capital ratio | 17.1729% | 2,622 |
| Memoranda: | ||
| Average total assets | $123,037,000 | 3,994 |
| Average earning assets | $116,754,330 | 3,937 |
| Average equity | $13,527,330 | 4,072 |
| Average total loans | $75,077,670 | 3,976 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,428 |
| Cost of funding earning assets | 0.2406% | 4,798 |
| Net interest margin | 3.4278% | 3,774 |
| Noninterest income to average assets | 0.4523% | 3,465 |
| Noninterest expense to average assets | 2.5023% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7951% | 3,272 |
| Return on assets (ROA) | 0.8517% | 3,114 |
| Pretax return on assets | 1.2809% | 2,380 |
| Return on Equity (ROE) | 7.6800% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.6800% | 1,597 |
| Net charge-offs to loans | -0.2117% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6786% | 3,516 |
| Assets per employee ($millions) | 4.4644% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 941 |
| Loan loss allowance to noncurrent loans | 467.7966% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,579 |
| Noncurrent loans to loans | 0.4096% | 3,965 |
| Net loans and leases to total assets | 58.6106% | 3,975 |
| Net loans and leases to deposits | 66.9345% | 4,163 |
| Net loans and leases to core deposits | 74.8017% | 3,812 |
| Total domestic deposits to total assets | 87.5641% | 1,882 |
| Equity capital to assets | 11.2736% | 2,654 |
| Core capital (leverage) ratio | 11.1962% | 2,225 |
| Tier 1 risk-based capital ratio | 16.9302% | 2,311 |
| Total risk-based capital ratio | 18.1859% | 2,259 |
| Memoranda: | ||
| Average total assets | $121,169,500 | 4,050 |
| Average earning assets | $114,708,000 | 3,995 |
| Average equity | $13,437,500 | 4,097 |
| Average total loans | $73,695,500 | 4,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 4,871 |
| Cost of funding earning assets | 0.2536% | 4,741 |
| Net interest margin | 3.2644% | 4,425 |
| Noninterest income to average assets | 0.3736% | 4,235 |
| Noninterest expense to average assets | 2.5809% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5925% | 4,309 |
| Return on assets (ROA) | 0.6071% | 4,333 |
| Pretax return on assets | 0.8933% | 3,863 |
| Return on Equity (ROE) | 5.6014% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.8692% | 4,022 |
| Net charge-offs to loans | -0.0144% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7492% | 2,468 |
| Assets per employee ($millions) | 4.3500% | 3,306 |
| Cash dividends to net income (ytd only)* | 48.7772% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 1,174 |
| Loan loss allowance to noncurrent loans | 307.3394% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3580% | 4,152 |
| Noncurrent loans to loans | 0.5785% | 3,435 |
| Net loans and leases to total assets | 60.7737% | 3,728 |
| Net loans and leases to deposits | 70.5868% | 3,855 |
| Net loans and leases to core deposits | 78.9570% | 3,447 |
| Total domestic deposits to total assets | 86.0978% | 2,591 |
| Equity capital to assets | 10.9080% | 2,923 |
| Core capital (leverage) ratio | 10.8530% | 2,559 |
| Tier 1 risk-based capital ratio | 15.7502% | 2,805 |
| Total risk-based capital ratio | 17.0043% | 2,745 |
| Memoranda: | ||
| Average total assets | $121,236,600 | 4,046 |
| Average earning assets | $114,355,200 | 3,994 |
| Average equity | $13,139,600 | 4,112 |
| Average total loans | $69,686,200 | 4,098 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 5,058 |
| Cost of funding earning assets | 0.2533% | 4,839 |
| Net interest margin | 3.2136% | 4,632 |
| Noninterest income to average assets | 0.3710% | 4,276 |
| Noninterest expense to average assets | 2.6028% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5450% | 4,611 |
| Return on assets (ROA) | 0.5450% | 4,707 |
| Pretax return on assets | 0.7993% | 4,342 |
| Return on Equity (ROE) | 5.0369% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.4597% | 4,003 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5049% | 2,157 |
| Assets per employee ($millions) | 4.1409% | 3,639 |
| Cash dividends to net income (ytd only)* | 31.3131% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 1,195 |
| Loan loss allowance to noncurrent loans | 294.9002% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 4,158 |
| Noncurrent loans to loans | 0.6222% | 3,454 |
| Net loans and leases to total assets | 59.2555% | 3,972 |
| Net loans and leases to deposits | 67.6790% | 4,222 |
| Net loans and leases to core deposits | 75.4717% | 3,861 |
| Total domestic deposits to total assets | 87.5538% | 1,775 |
| Equity capital to assets | 11.0430% | 2,971 |
| Core capital (leverage) ratio | 10.7638% | 2,754 |
| Tier 1 risk-based capital ratio | 16.1643% | 2,728 |
| Total risk-based capital ratio | 17.4183% | 2,681 |
| Memoranda: | ||
| Average total assets | $121,095,500 | 4,098 |
| Average earning assets | $114,218,750 | 4,037 |
| Average equity | $13,103,000 | 4,165 |
| Average total loans | $68,267,000 | 4,173 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 5,250 |
| Cost of funding earning assets | 0.2536% | 4,897 |
| Net interest margin | 3.1382% | 4,860 |
| Noninterest income to average assets | 0.4200% | 3,926 |
| Noninterest expense to average assets | 2.6517% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4974% | 4,781 |
| Return on assets (ROA) | 0.4974% | 4,885 |
| Pretax return on assets | 0.7230% | 4,587 |
| Return on Equity (ROE) | 4.6282% | 4,781 |
| Retained earnings to average equity (ytd only) | 2.2528% | 4,589 |
| Net charge-offs to loans | 0.0389% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 33.7692% | 1,257 |
| Efficiency ratio | 78.5749% | 1,978 |
| Assets per employee ($millions) | 4.0670% | 3,753 |
| Cash dividends to net income (ytd only)* | 51.3245% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 1,217 |
| Loan loss allowance to noncurrent loans | 267.1400% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 4,290 |
| Noncurrent loans to loans | 0.7017% | 3,384 |
| Net loans and leases to total assets | 56.5044% | 4,280 |
| Net loans and leases to deposits | 64.0799% | 4,525 |
| Net loans and leases to core deposits | 71.2502% | 4,199 |
| Total domestic deposits to total assets | 88.1780% | 1,564 |
| Equity capital to assets | 10.7221% | 3,196 |
| Core capital (leverage) ratio | 10.7423% | 2,685 |
| Tier 1 risk-based capital ratio | 16.9063% | 2,443 |
| Total risk-based capital ratio | 18.1618% | 2,394 |
| Memoranda: | ||
| Average total assets | $121,432,330 | 4,128 |
| Average earning assets | $114,333,330 | 4,065 |
| Average equity | $13,050,330 | 4,198 |
| Average total loans | $66,860,330 | 4,244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3219% | 5,399 |
| Cost of funding earning assets | 0.2593% | 4,917 |
| Net interest margin | 3.0626% | 5,053 |
| Noninterest income to average assets | 0.3764% | 4,190 |
| Noninterest expense to average assets | 2.6778% | 3,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4127% | 5,024 |
| Return on assets (ROA) | 0.4127% | 5,137 |
| Pretax return on assets | 0.5844% | 4,959 |
| Return on Equity (ROE) | 3.8360% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.8360% | 3,702 |
| Net charge-offs to loans | 0.1350% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 2,113 |
| Efficiency ratio | 82.0850% | 1,607 |
| Assets per employee ($millions) | 4.0856% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 1,025 |
| Loan loss allowance to noncurrent loans | 261.0778% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 4,293 |
| Noncurrent loans to loans | 0.7779% | 3,309 |
| Net loans and leases to total assets | 51.4784% | 4,708 |
| Net loans and leases to deposits | 58.3898% | 4,884 |
| Net loans and leases to core deposits | 65.3939% | 4,579 |
| Total domestic deposits to total assets | 88.1633% | 1,726 |
| Equity capital to assets | 10.6953% | 3,323 |
| Core capital (leverage) ratio | 10.4443% | 3,037 |
| Tier 1 risk-based capital ratio | 17.3871% | 2,346 |
| Total risk-based capital ratio | 18.6430% | 2,296 |
| Memoranda: | ||
| Average total assets | $121,143,500 | 4,164 |
| Average earning assets | $114,153,000 | 4,098 |
| Average equity | $13,034,500 | 4,225 |
| Average total loans | $65,161,500 | 4,323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 5,485 |
| Cost of funding earning assets | 0.2615% | 5,206 |
| Net interest margin | 3.1609% | 5,042 |
| Noninterest income to average assets | 0.3715% | 4,418 |
| Noninterest expense to average assets | 2.7060% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4482% | 5,034 |
| Return on assets (ROA) | 0.4566% | 5,081 |
| Pretax return on assets | 0.6403% | 4,808 |
| Return on Equity (ROE) | 4.2257% | 5,011 |
| Retained earnings to average equity (ytd only) | 1.9959% | 4,793 |
| Net charge-offs to loans | 0.0838% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 14.3462% | 2,172 |
| Efficiency ratio | 81.1521% | 1,753 |
| Assets per employee ($millions) | 3.9906% | 3,975 |
| Cash dividends to net income (ytd only)* | 52.7675% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,076 |
| Loan loss allowance to noncurrent loans | 231.7073% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 4,111 |
| Noncurrent loans to loans | 0.8708% | 3,140 |
| Net loans and leases to total assets | 53.9505% | 4,587 |
| Net loans and leases to deposits | 61.3165% | 4,780 |
| Net loans and leases to core deposits | 68.9199% | 4,414 |
| Total domestic deposits to total assets | 87.9869% | 1,783 |
| Equity capital to assets | 10.8253% | 3,092 |
| Core capital (leverage) ratio | 10.6829% | 2,739 |
| Tier 1 risk-based capital ratio | 17.1216% | 2,465 |
| Total risk-based capital ratio | 18.3477% | 2,429 |
| Memoranda: | ||
| Average total assets | $118,699,000 | 4,208 |
| Average earning assets | $111,267,200 | 4,154 |
| Average equity | $12,826,400 | 4,222 |
| Average total loans | $62,046,800 | 4,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 5,581 |
| Cost of funding earning assets | 0.2568% | 5,334 |
| Net interest margin | 3.1506% | 5,119 |
| Noninterest income to average assets | 0.3839% | 4,364 |
| Noninterest expense to average assets | 2.7163% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4457% | 5,091 |
| Return on assets (ROA) | 0.4570% | 5,126 |
| Pretax return on assets | 0.6383% | 4,909 |
| Return on Equity (ROE) | 4.2314% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.3768% | 4,215 |
| Net charge-offs to loans | 0.0437% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.6457% | 1,444 |
| Efficiency ratio | 81.3554% | 1,700 |
| Assets per employee ($millions) | 4.1834% | 3,521 |
| Cash dividends to net income (ytd only)* | 20.1969% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 1,036 |
| Loan loss allowance to noncurrent loans | 166.5851% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 2,920 |
| Noncurrent loans to loans | 1.2846% | 2,494 |
| Net loans and leases to total assets | 53.1344% | 4,679 |
| Net loans and leases to deposits | 60.6577% | 4,880 |
| Net loans and leases to core deposits | 66.1505% | 4,691 |
| Total domestic deposits to total assets | 87.5972% | 1,981 |
| Equity capital to assets | 11.1111% | 2,846 |
| Core capital (leverage) ratio | 10.6225% | 2,899 |
| Tier 1 risk-based capital ratio | 17.9688% | 2,221 |
| Total risk-based capital ratio | 19.2266% | 2,177 |
| Memoranda: | ||
| Average total assets | $118,444,000 | 4,250 |
| Average earning assets | $111,088,500 | 4,191 |
| Average equity | $12,793,000 | 4,258 |
| Average total loans | $61,078,750 | 4,493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 5,672 |
| Cost of funding earning assets | 0.2550% | 5,441 |
| Net interest margin | 3.1170% | 5,201 |
| Noninterest income to average assets | 0.3684% | 4,493 |
| Noninterest expense to average assets | 2.7153% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4154% | 5,156 |
| Return on assets (ROA) | 0.4324% | 5,173 |
| Pretax return on assets | 0.5972% | 4,963 |
| Return on Equity (ROE) | 4.0412% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.7518% | 4,449 |
| Net charge-offs to loans | 0.0797% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.2083% | 1,921 |
| Efficiency ratio | 82.5575% | 1,685 |
| Assets per employee ($millions) | 4.3086% | 3,259 |
| Cash dividends to net income (ytd only)* | 31.9066% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2382% | 970 |
| Loan loss allowance to noncurrent loans | 157.9070% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 3,021 |
| Noncurrent loans to loans | 1.4174% | 2,432 |
| Net loans and leases to total assets | 49.1682% | 5,055 |
| Net loans and leases to deposits | 55.2387% | 5,261 |
| Net loans and leases to core deposits | 59.9980% | 5,133 |
| Total domestic deposits to total assets | 89.0104% | 1,343 |
| Equity capital to assets | 10.6572% | 3,245 |
| Core capital (leverage) ratio | 10.5019% | 2,946 |
| Tier 1 risk-based capital ratio | 18.3134% | 2,126 |
| Total risk-based capital ratio | 19.5716% | 2,095 |
| Memoranda: | ||
| Average total assets | $118,880,330 | 4,267 |
| Average earning assets | $111,390,330 | 4,206 |
| Average equity | $12,719,000 | 4,279 |
| Average total loans | $60,238,330 | 4,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 5,695 |
| Cost of funding earning assets | 0.2568% | 5,523 |
| Net interest margin | 3.1208% | 5,172 |
| Noninterest income to average assets | 0.3492% | 4,580 |
| Noninterest expense to average assets | 2.7797% | 3,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3695% | 5,236 |
| Return on assets (ROA) | 0.3695% | 5,301 |
| Pretax return on assets | 0.4949% | 5,186 |
| Return on Equity (ROE) | 3.4466% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.4466% | 4,070 |
| Net charge-offs to loans | 0.0866% | 2,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.2308% | 1,794 |
| Efficiency ratio | 84.8861% | 1,567 |
| Assets per employee ($millions) | 4.3229% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4104% | 900 |
| Loan loss allowance to noncurrent loans | 188.4457% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 3,452 |
| Noncurrent loans to loans | 1.2791% | 2,891 |
| Net loans and leases to total assets | 45.8253% | 5,347 |
| Net loans and leases to deposits | 51.3274% | 5,494 |
| Net loans and leases to core deposits | 55.8591% | 5,366 |
| Total domestic deposits to total assets | 89.2804% | 1,482 |
| Equity capital to assets | 10.5230% | 3,223 |
| Core capital (leverage) ratio | 10.2129% | 3,276 |
| Tier 1 risk-based capital ratio | 18.8645% | 2,007 |
| Total risk-based capital ratio | 19.8048% | 2,070 |
| Memoranda: | ||
| Average total assets | $118,000,000 | 4,315 |
| Average earning assets | $110,611,000 | 4,259 |
| Average equity | $12,650,000 | 4,311 |
| Average total loans | $60,020,000 | 4,587 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 5,643 |
| Cost of funding earning assets | 0.3132% | 5,485 |
| Net interest margin | 3.1876% | 5,042 |
| Noninterest income to average assets | 0.3556% | 4,761 |
| Noninterest expense to average assets | 2.7381% | 3,960 |
| Loan and lease loss provision to assets | 0.0383% | 4,349 |
| Net operating income to assets | 0.4243% | 5,059 |
| Return on assets (ROA) | 0.4381% | 5,121 |
| Pretax return on assets | 0.5665% | 4,983 |
| Return on Equity (ROE) | 4.0993% | 5,064 |
| Retained earnings to average equity (ytd only) | 1.8228% | 4,939 |
| Net charge-offs to loans | 0.4255% | 1,569 |
| Credit loss provision to net charge-offs | 17.4419% | 4,489 |
| Earnings coverage of net charge-offs (x) | 2.6744% | 4,101 |
| Efficiency ratio | 82.3484% | 1,830 |
| Assets per employee ($millions) | 4.2578% | 3,343 |
| Cash dividends to net income (ytd only)* | 55.5340% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 1,193 |
| Loan loss allowance to noncurrent loans | 115.6485% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 3,343 |
| Noncurrent loans to loans | 1.8907% | 2,126 |
| Net loans and leases to total assets | 53.7761% | 4,613 |
| Net loans and leases to deposits | 60.5506% | 4,888 |
| Net loans and leases to core deposits | 66.2555% | 4,677 |
| Total domestic deposits to total assets | 88.8118% | 1,744 |
| Equity capital to assets | 10.9281% | 2,678 |
| Core capital (leverage) ratio | 10.5503% | 2,849 |
| Tier 1 risk-based capital ratio | 17.5307% | 2,400 |
| Total risk-based capital ratio | 18.7894% | 2,376 |
| Memoranda: | ||
| Average total assets | $117,561,600 | 4,328 |
| Average earning assets | $109,519,000 | 4,276 |
| Average equity | $12,563,000 | 4,341 |
| Average total loans | $60,634,000 | 4,595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 5,771 |
| Cost of funding earning assets | 0.3177% | 5,572 |
| Net interest margin | 3.1418% | 5,178 |
| Noninterest income to average assets | 0.3654% | 4,774 |
| Noninterest expense to average assets | 2.8423% | 3,514 |
| Loan and lease loss provision to assets | 0.0508% | 4,002 |
| Net operating income to assets | 0.3129% | 5,573 |
| Return on assets (ROA) | 0.3316% | 5,619 |
| Pretax return on assets | 0.4184% | 5,576 |
| Return on Equity (ROE) | 3.1202% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.2499% | 4,971 |
| Net charge-offs to loans | 0.2978% | 2,047 |
| Credit loss provision to net charge-offs | 33.5821% | 3,829 |
| Earnings coverage of net charge-offs (x) | 2.9478% | 3,855 |
| Efficiency ratio | 86.4494% | 1,326 |
| Assets per employee ($millions) | 4.3848% | 3,072 |
| Cash dividends to net income (ytd only)* | 27.8910% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3443% | 1,114 |
| Loan loss allowance to noncurrent loans | 69.7868% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8228% | 2,242 |
| Noncurrent loans to loans | 3.3593% | 1,156 |
| Net loans and leases to total assets | 52.9897% | 4,752 |
| Net loans and leases to deposits | 61.2218% | 4,844 |
| Net loans and leases to core deposits | 63.3012% | 4,978 |
| Total domestic deposits to total assets | 86.5536% | 2,931 |
| Equity capital to assets | 10.5846% | 3,181 |
| Core capital (leverage) ratio | 10.4418% | 3,071 |
| Tier 1 risk-based capital ratio | 17.3445% | 2,561 |
| Total risk-based capital ratio | 18.1570% | 2,709 |
| Memoranda: | ||
| Average total assets | $118,212,000 | 4,353 |
| Average earning assets | $109,955,250 | 4,305 |
| Average equity | $12,563,000 | 4,387 |
| Average total loans | $59,991,750 | 4,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4662% | 5,757 |
| Cost of funding earning assets | 0.3413% | 5,482 |
| Net interest margin | 3.1248% | 5,206 |
| Noninterest income to average assets | 0.3792% | 4,674 |
| Noninterest expense to average assets | 2.8810% | 3,399 |
| Loan and lease loss provision to assets | 0.0508% | 3,972 |
| Net operating income to assets | 0.2823% | 5,656 |
| Return on assets (ROA) | 0.3115% | 5,712 |
| Pretax return on assets | 0.3809% | 5,679 |
| Return on Equity (ROE) | 2.9268% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.6224% | 5,213 |
| Net charge-offs to loans | 0.1844% | 2,652 |
| Credit loss provision to net charge-offs | 55.5556% | 3,107 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,159 |
| Efficiency ratio | 87.9132% | 1,227 |
| Assets per employee ($millions) | 4.3399% | 3,105 |
| Cash dividends to net income (ytd only)* | 44.5652% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6329% | 850 |
| Loan loss allowance to noncurrent loans | 142.1719% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 3,899 |
| Noncurrent loans to loans | 1.8519% | 2,559 |
| Net loans and leases to total assets | 49.5814% | 5,150 |
| Net loans and leases to deposits | 55.6388% | 5,375 |
| Net loans and leases to core deposits | 57.3490% | 5,485 |
| Total domestic deposits to total assets | 89.1131% | 1,561 |
| Equity capital to assets | 10.6087% | 3,165 |
| Core capital (leverage) ratio | 10.1394% | 3,305 |
| Tier 1 risk-based capital ratio | 18.1706% | 2,262 |
| Total risk-based capital ratio | 19.1926% | 2,303 |
| Memoranda: | ||
| Average total assets | $118,153,000 | 4,388 |
| Average earning assets | $109,573,330 | 4,347 |
| Average equity | $12,573,670 | 4,412 |
| Average total loans | $58,575,670 | 4,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4864% | 5,741 |
| Cost of funding earning assets | 0.3595% | 5,451 |
| Net interest margin | 3.1269% | 5,173 |
| Noninterest income to average assets | 0.3877% | 4,557 |
| Noninterest expense to average assets | 2.8793% | 3,427 |
| Loan and lease loss provision to assets | 0.0506% | 3,775 |
| Net operating income to assets | 0.2967% | 5,579 |
| Return on assets (ROA) | 0.2967% | 5,702 |
| Pretax return on assets | 0.3608% | 5,677 |
| Return on Equity (ROE) | 2.7837% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.7837% | 4,616 |
| Net charge-offs to loans | -0.0551% | 6,173 |
| Credit loss provision to net charge-offs | -187.5000% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,376 |
| Assets per employee ($millions) | 4.5537% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9109% | 723 |
| Loan loss allowance to noncurrent loans | 99.0814% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 3,302 |
| Noncurrent loans to loans | 2.9378% | 1,710 |
| Net loans and leases to total assets | 43.8935% | 5,677 |
| Net loans and leases to deposits | 49.5929% | 5,815 |
| Net loans and leases to core deposits | 51.0534% | 5,895 |
| Total domestic deposits to total assets | 88.5075% | 2,003 |
| Equity capital to assets | 10.3139% | 3,786 |
| Core capital (leverage) ratio | 9.9029% | 3,528 |
| Tier 1 risk-based capital ratio | 19.0883% | 2,018 |
| Total risk-based capital ratio | 20.3287% | 2,001 |
| Memoranda: | ||
| Average total assets | $118,641,000 | 4,422 |
| Average earning assets | $110,141,500 | 4,368 |
| Average equity | $12,645,000 | 4,443 |
| Average total loans | $58,029,000 | 4,777 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 5,352 |
| Cost of funding earning assets | 0.4997% | 5,223 |
| Net interest margin | 3.4871% | 4,545 |
| Noninterest income to average assets | 0.4189% | 4,461 |
| Noninterest expense to average assets | 2.6916% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6716% | 3,872 |
| Return on assets (ROA) | 0.6716% | 4,145 |
| Pretax return on assets | 0.9835% | 3,603 |
| Return on Equity (ROE) | 5.9986% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.1157% | 4,043 |
| Net charge-offs to loans | 0.2215% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.2256% | 2,447 |
| Efficiency ratio | 73.2387% | 3,199 |
| Assets per employee ($millions) | 4.0833% | 3,784 |
| Cash dividends to net income (ytd only)* | 48.0589% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 984 |
| Loan loss allowance to noncurrent loans | 319.6393% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 5,400 |
| Noncurrent loans to loans | 0.8252% | 4,536 |
| Net loans and leases to total assets | 51.4974% | 4,979 |
| Net loans and leases to deposits | 58.7288% | 5,162 |
| Net loans and leases to core deposits | 60.0067% | 5,363 |
| Total domestic deposits to total assets | 87.6867% | 2,423 |
| Equity capital to assets | 11.0284% | 2,916 |
| Core capital (leverage) ratio | 10.6961% | 2,549 |
| Tier 1 risk-based capital ratio | 19.1569% | 1,917 |
| Total risk-based capital ratio | 20.4370% | 1,882 |
| Memoranda: | ||
| Average total assets | $111,234,000 | 4,568 |
| Average earning assets | $103,869,200 | 4,495 |
| Average equity | $12,453,000 | 4,468 |
| Average total loans | $60,039,400 | 4,712 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 5,344 |
| Cost of funding earning assets | 0.5272% | 5,265 |
| Net interest margin | 3.5278% | 4,536 |
| Noninterest income to average assets | 0.4176% | 4,496 |
| Noninterest expense to average assets | 2.8378% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6240% | 4,270 |
| Return on assets (ROA) | 0.6240% | 4,526 |
| Pretax return on assets | 0.8836% | 4,181 |
| Return on Equity (ROE) | 5.5528% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.8879% | 4,153 |
| Net charge-offs to loans | 0.2291% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.1068% | 2,659 |
| Efficiency ratio | 76.2569% | 2,639 |
| Assets per employee ($millions) | 3.9463% | 3,984 |
| Cash dividends to net income (ytd only)* | 29.9803% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7558% | 927 |
| Loan loss allowance to noncurrent loans | 182.9955% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 4,695 |
| Noncurrent loans to loans | 1.5060% | 3,528 |
| Net loans and leases to total assets | 51.8937% | 5,063 |
| Net loans and leases to deposits | 59.4626% | 5,262 |
| Net loans and leases to core deposits | 60.8051% | 5,474 |
| Total domestic deposits to total assets | 87.2711% | 2,516 |
| Equity capital to assets | 11.4320% | 2,821 |
| Core capital (leverage) ratio | 10.8781% | 2,510 |
| Tier 1 risk-based capital ratio | 19.0361% | 2,001 |
| Total risk-based capital ratio | 20.2707% | 1,977 |
| Memoranda: | ||
| Average total assets | $110,459,500 | 4,627 |
| Average earning assets | $103,441,750 | 4,557 |
| Average equity | $12,414,000 | 4,522 |
| Average total loans | $59,931,000 | 4,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 5,242 |
| Cost of funding earning assets | 0.5428% | 5,349 |
| Net interest margin | 3.5778% | 4,356 |
| Noninterest income to average assets | 0.4255% | 4,464 |
| Noninterest expense to average assets | 2.8702% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6392% | 4,172 |
| Return on assets (ROA) | 0.6392% | 4,419 |
| Pretax return on assets | 0.9090% | 4,039 |
| Return on Equity (ROE) | 5.7206% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.2087% | 4,481 |
| Net charge-offs to loans | -0.0266% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9463% | 2,752 |
| Assets per employee ($millions) | 4.4554% | 2,987 |
| Cash dividends to net income (ytd only)* | 43.9093% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 831 |
| Loan loss allowance to noncurrent loans | 258.4821% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 5,266 |
| Noncurrent loans to loans | 1.1377% | 4,254 |
| Net loans and leases to total assets | 51.4697% | 5,163 |
| Net loans and leases to deposits | 58.7809% | 5,371 |
| Net loans and leases to core deposits | 59.6972% | 5,620 |
| Total domestic deposits to total assets | 87.5619% | 2,427 |
| Equity capital to assets | 11.1596% | 2,938 |
| Core capital (leverage) ratio | 10.8251% | 2,457 |
| Tier 1 risk-based capital ratio | 19.0960% | 1,939 |
| Total risk-based capital ratio | 20.3637% | 1,917 |
| Memoranda: | ||
| Average total assets | $110,447,000 | 4,654 |
| Average earning assets | $103,528,000 | 4,584 |
| Average equity | $12,341,330 | 4,537 |
| Average total loans | $60,252,670 | 4,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 4,697 |
| Cost of funding earning assets | 0.5852% | 5,247 |
| Net interest margin | 3.7240% | 3,715 |
| Noninterest income to average assets | 0.4583% | 4,238 |
| Noninterest expense to average assets | 3.0042% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6583% | 4,089 |
| Return on assets (ROA) | 0.6583% | 4,297 |
| Pretax return on assets | 0.9493% | 3,869 |
| Return on Equity (ROE) | 5.8876% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.8876% | 3,025 |
| Net charge-offs to loans | -0.0394% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9890% | 2,793 |
| Assets per employee ($millions) | 4.5398% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0465% | 798 |
| Loan loss allowance to noncurrent loans | 267.5926% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 5,464 |
| Noncurrent loans to loans | 1.1385% | 4,436 |
| Net loans and leases to total assets | 48.6220% | 5,476 |
| Net loans and leases to deposits | 55.9750% | 5,601 |
| Net loans and leases to core deposits | 57.2040% | 5,796 |
| Total domestic deposits to total assets | 86.8636% | 3,035 |
| Equity capital to assets | 10.9028% | 3,027 |
| Core capital (leverage) ratio | 10.4589% | 2,798 |
| Tier 1 risk-based capital ratio | 20.8900% | 1,519 |
| Total risk-based capital ratio | 22.1619% | 1,480 |
| Memoranda: | ||
| Average total assets | $109,978,500 | 4,711 |
| Average earning assets | $103,221,000 | 4,626 |
| Average equity | $12,297,000 | 4,553 |
| Average total loans | $60,846,000 | 4,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 4,707 |
| Cost of funding earning assets | 0.7824% | 4,992 |
| Net interest margin | 3.8085% | 3,777 |
| Noninterest income to average assets | 0.3879% | 4,726 |
| Noninterest expense to average assets | 2.6634% | 4,876 |
| Loan and lease loss provision to assets | 0.0843% | 5,555 |
| Net operating income to assets | 0.8515% | 2,815 |
| Return on assets (ROA) | 0.8731% | 2,861 |
| Pretax return on assets | 1.2835% | 2,197 |
| Return on Equity (ROE) | 7.8377% | 2,995 |
| Retained earnings to average equity (ytd only) | 4.8187% | 2,773 |
| Net charge-offs to loans | -0.0943% | 7,127 |
| Credit loss provision to net charge-offs | -147.5410% | 6,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5964% | 4,637 |
| Assets per employee ($millions) | 4.2585% | 3,347 |
| Cash dividends to net income (ytd only)* | 38.5193% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6692% | 1,109 |
| Loan loss allowance to noncurrent loans | 178.4314% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 4,566 |
| Noncurrent loans to loans | 1.4959% | 3,905 |
| Net loans and leases to total assets | 59.2187% | 4,146 |
| Net loans and leases to deposits | 68.6776% | 4,335 |
| Net loans and leases to core deposits | 70.9314% | 4,658 |
| Total domestic deposits to total assets | 86.2271% | 3,181 |
| Equity capital to assets | 11.4782% | 2,523 |
| Core capital (leverage) ratio | 10.9254% | 2,327 |
| Tier 1 risk-based capital ratio | 17.7538% | 2,281 |
| Total risk-based capital ratio | 19.0246% | 2,247 |
| Memoranda: | ||
| Average total assets | $106,741,400 | 4,715 |
| Average earning assets | $101,221,600 | 4,603 |
| Average equity | $11,891,200 | 4,574 |
| Average total loans | $64,675,000 | 4,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 4,979 |
| Cost of funding earning assets | 0.8093% | 5,091 |
| Net interest margin | 3.7659% | 4,033 |
| Noninterest income to average assets | 0.3795% | 4,818 |
| Noninterest expense to average assets | 2.6788% | 4,807 |
| Loan and lease loss provision to assets | 0.1123% | 5,020 |
| Net operating income to assets | 0.8046% | 3,133 |
| Return on assets (ROA) | 0.8338% | 3,170 |
| Pretax return on assets | 1.2146% | 2,580 |
| Return on Equity (ROE) | 7.5420% | 3,253 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,682 |
| Net charge-offs to loans | 0.0206% | 5,867 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 102.9235% | 354 |
| Efficiency ratio | 67.5906% | 4,401 |
| Assets per employee ($millions) | 3.8966% | 4,080 |
| Cash dividends to net income (ytd only)* | 23.2035% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5361% | 1,343 |
| Loan loss allowance to noncurrent loans | 189.0536% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9496% | 4,849 |
| Noncurrent loans to loans | 1.3415% | 4,287 |
| Net loans and leases to total assets | 60.5644% | 4,033 |
| Net loans and leases to deposits | 70.5579% | 4,207 |
| Net loans and leases to core deposits | 72.9841% | 4,585 |
| Total domestic deposits to total assets | 85.8365% | 3,310 |
| Equity capital to assets | 11.6019% | 2,584 |
| Core capital (leverage) ratio | 10.9954% | 2,396 |
| Tier 1 risk-based capital ratio | 17.5241% | 2,433 |
| Total risk-based capital ratio | 18.7731% | 2,406 |
| Memoranda: | ||
| Average total assets | $106,811,000 | 4,740 |
| Average earning assets | $101,647,000 | 4,625 |
| Average equity | $11,809,000 | 4,619 |
| Average total loans | $64,650,000 | 4,726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 5,203 |
| Cost of funding earning assets | 0.8357% | 5,163 |
| Net interest margin | 3.7068% | 4,227 |
| Noninterest income to average assets | 0.3447% | 5,123 |
| Noninterest expense to average assets | 2.6606% | 4,964 |
| Loan and lease loss provision to assets | 0.1677% | 4,258 |
| Net operating income to assets | 0.7341% | 3,369 |
| Return on assets (ROA) | 0.7341% | 3,490 |
| Pretax return on assets | 1.0452% | 3,060 |
| Return on Equity (ROE) | 6.7485% | 3,554 |
| Retained earnings to average equity (ytd only) | 4.0936% | 3,592 |
| Net charge-offs to loans | -0.0217% | 6,842 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6869% | 4,394 |
| Assets per employee ($millions) | 4.4485% | 2,931 |
| Cash dividends to net income (ytd only)* | 39.3401% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5640% | 1,348 |
| Loan loss allowance to noncurrent loans | 166.7331% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.0284% | 4,825 |
| Noncurrent loans to loans | 1.5378% | 4,105 |
| Net loans and leases to total assets | 59.5852% | 4,353 |
| Net loans and leases to deposits | 68.9571% | 4,569 |
| Net loans and leases to core deposits | 71.2574% | 4,921 |
| Total domestic deposits to total assets | 86.4091% | 3,093 |
| Equity capital to assets | 11.1003% | 2,857 |
| Core capital (leverage) ratio | 10.4316% | 2,785 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,532 |
| Total risk-based capital ratio | 18.2294% | 2,501 |
| Memoranda: | ||
| Average total assets | $107,345,670 | 4,772 |
| Average earning assets | $102,189,330 | 4,646 |
| Average equity | $11,676,670 | 4,649 |
| Average total loans | $64,408,000 | 4,773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 5,528 |
| Cost of funding earning assets | 0.8658% | 5,166 |
| Net interest margin | 3.5800% | 4,661 |
| Noninterest income to average assets | 0.2973% | 5,536 |
| Noninterest expense to average assets | 2.5419% | 5,417 |
| Loan and lease loss provision to assets | 0.1672% | 3,953 |
| Net operating income to assets | 0.7098% | 3,478 |
| Return on assets (ROA) | 0.7098% | 3,545 |
| Pretax return on assets | 0.9997% | 3,132 |
| Return on Equity (ROE) | 6.5922% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.5922% | 2,329 |
| Net charge-offs to loans | -0.0063% | 6,273 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5371% | 4,553 |
| Assets per employee ($millions) | 4.6947% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5589% | 1,369 |
| Loan loss allowance to noncurrent loans | 158.3415% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 4,922 |
| Noncurrent loans to loans | 1.6161% | 4,053 |
| Net loans and leases to total assets | 54.8517% | 5,183 |
| Net loans and leases to deposits | 63.5964% | 5,309 |
| Net loans and leases to core deposits | 65.5916% | 5,555 |
| Total domestic deposits to total assets | 86.2496% | 3,365 |
| Equity capital to assets | 10.3920% | 3,294 |
| Core capital (leverage) ratio | 10.3338% | 2,777 |
| Tier 1 risk-based capital ratio | 17.5825% | 2,257 |
| Total risk-based capital ratio | 18.8583% | 2,216 |
| Memoranda: | ||
| Average total assets | $107,637,000 | 4,802 |
| Average earning assets | $102,569,500 | 4,668 |
| Average equity | $11,589,500 | 4,646 |
| Average total loans | $63,967,500 | 4,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 4,425 |
| Cost of funding earning assets | 1.0881% | 5,199 |
| Net interest margin | 3.9393% | 3,305 |
| Noninterest income to average assets | 0.4029% | 4,891 |
| Noninterest expense to average assets | 2.6472% | 5,230 |
| Loan and lease loss provision to assets | 0.8557% | 1,909 |
| Net operating income to assets | 0.4696% | 4,232 |
| Return on assets (ROA) | 0.4841% | 4,327 |
| Pretax return on assets | 0.6219% | 4,252 |
| Return on Equity (ROE) | 4.2546% | 4,409 |
| Retained earnings to average equity (ytd only) | -0.0344% | 5,596 |
| Net charge-offs to loans | 0.5626% | 3,367 |
| Credit loss provision to net charge-offs | 243.0556% | 1,184 |
| Earnings coverage of net charge-offs (x) | 4.1444% | 3,040 |
| Efficiency ratio | 64.4677% | 5,273 |
| Assets per employee ($millions) | 4.4609% | 2,938 |
| Cash dividends to net income (ytd only)* | 100.8081% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4431% | 1,490 |
| Loan loss allowance to noncurrent loans | 159.3529% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 4,907 |
| Noncurrent loans to loans | 1.5331% | 4,191 |
| Net loans and leases to total assets | 61.3376% | 4,434 |
| Net loans and leases to deposits | 71.9530% | 4,527 |
| Net loans and leases to core deposits | 74.4434% | 4,922 |
| Total domestic deposits to total assets | 85.2467% | 3,735 |
| Equity capital to assets | 11.1792% | 2,527 |
| Core capital (leverage) ratio | 10.5168% | 2,541 |
| Tier 1 risk-based capital ratio | 16.8917% | 2,388 |
| Total risk-based capital ratio | 18.1527% | 2,352 |
| Memoranda: | ||
| Average total assets | $102,259,200 | 4,920 |
| Average earning assets | $96,133,000 | 4,822 |
| Average equity | $11,634,600 | 4,709 |
| Average total loans | $63,985,600 | 4,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 4,648 |
| Cost of funding earning assets | 1.1263% | 5,275 |
| Net interest margin | 3.9095% | 3,491 |
| Noninterest income to average assets | 0.4098% | 4,880 |
| Noninterest expense to average assets | 2.7599% | 4,640 |
| Loan and lease loss provision to assets | 0.4894% | 3,025 |
| Net operating income to assets | 0.6080% | 3,850 |
| Return on assets (ROA) | 0.6264% | 3,936 |
| Pretax return on assets | 0.8495% | 3,734 |
| Return on Equity (ROE) | 5.4813% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.7015% | 5,107 |
| Net charge-offs to loans | 0.4364% | 3,552 |
| Credit loss provision to net charge-offs | 179.4258% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,922 |
| Efficiency ratio | 67.7450% | 4,518 |
| Assets per employee ($millions) | 4.6241% | 2,715 |
| Cash dividends to net income (ytd only)* | 68.9584% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 2,396 |
| Loan loss allowance to noncurrent loans | 106.1366% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 4,941 |
| Noncurrent loans to loans | 1.8206% | 3,911 |
| Net loans and leases to total assets | 58.6005% | 5,170 |
| Net loans and leases to deposits | 68.9097% | 5,295 |
| Net loans and leases to core deposits | 71.6458% | 5,554 |
| Total domestic deposits to total assets | 85.0396% | 3,600 |
| Equity capital to assets | 11.0978% | 2,856 |
| Core capital (leverage) ratio | 10.7992% | 2,413 |
| Tier 1 risk-based capital ratio | 17.7435% | 2,095 |
| Total risk-based capital ratio | 19.0014% | 2,060 |
| Memoranda: | ||
| Average total assets | $102,173,750 | 4,981 |
| Average earning assets | $95,764,750 | 4,899 |
| Average equity | $11,675,750 | 4,770 |
| Average total loans | $63,854,750 | 4,986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 4,372 |
| Cost of funding earning assets | 1.1792% | 5,243 |
| Net interest margin | 3.9362% | 3,293 |
| Noninterest income to average assets | 0.4088% | 4,836 |
| Noninterest expense to average assets | 2.7049% | 4,885 |
| Loan and lease loss provision to assets | 0.5954% | 2,399 |
| Net operating income to assets | 0.5795% | 3,953 |
| Return on assets (ROA) | 0.5795% | 4,096 |
| Pretax return on assets | 0.7720% | 3,978 |
| Return on Equity (ROE) | 5.0201% | 4,280 |
| Retained earnings to average equity (ytd only) | -0.6705% | 5,895 |
| Net charge-offs to loans | 0.3221% | 3,714 |
| Credit loss provision to net charge-offs | 291.2621% | 1,274 |
| Earnings coverage of net charge-offs (x) | 6.6893% | 2,418 |
| Efficiency ratio | 66.4230% | 4,902 |
| Assets per employee ($millions) | 4.5416% | 2,806 |
| Cash dividends to net income (ytd only)* | 113.3562% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 2,194 |
| Loan loss allowance to noncurrent loans | 96.6232% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 4,652 |
| Noncurrent loans to loans | 2.0659% | 3,636 |
| Net loans and leases to total assets | 59.1752% | 5,216 |
| Net loans and leases to deposits | 69.5478% | 5,339 |
| Net loans and leases to core deposits | 72.3413% | 5,636 |
| Total domestic deposits to total assets | 85.0856% | 3,584 |
| Equity capital to assets | 11.0391% | 2,820 |
| Core capital (leverage) ratio | 10.9297% | 2,296 |
| Tier 1 risk-based capital ratio | 17.8024% | 2,007 |
| Total risk-based capital ratio | 19.0692% | 1,967 |
| Memoranda: | ||
| Average total assets | $100,780,330 | 5,056 |
| Average earning assets | $93,795,330 | 4,992 |
| Average equity | $11,633,330 | 4,772 |
| Average total loans | $63,955,670 | 5,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 3,631 |
| Cost of funding earning assets | 1.2512% | 5,107 |
| Net interest margin | 4.0312% | 2,740 |
| Noninterest income to average assets | 0.4043% | 4,885 |
| Noninterest expense to average assets | 2.6278% | 5,238 |
| Loan and lease loss provision to assets | 0.6064% | 2,099 |
| Net operating income to assets | 0.6428% | 3,699 |
| Return on assets (ROA) | 0.6428% | 3,815 |
| Pretax return on assets | 0.8692% | 3,585 |
| Return on Equity (ROE) | 5.4431% | 4,131 |
| Retained earnings to average equity (ytd only) | 5.4431% | 2,903 |
| Net charge-offs to loans | 0.0248% | 5,228 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 91.2500% | 356 |
| Efficiency ratio | 64.0394% | 5,487 |
| Assets per employee ($millions) | 4.0451% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 2,455 |
| Loan loss allowance to noncurrent loans | 74.2015% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.6098% | 4,075 |
| Noncurrent loans to loans | 2.5568% | 3,115 |
| Net loans and leases to total assets | 61.7692% | 4,808 |
| Net loans and leases to deposits | 73.2447% | 4,865 |
| Net loans and leases to core deposits | 76.3428% | 5,211 |
| Total domestic deposits to total assets | 84.3327% | 3,978 |
| Equity capital to assets | 11.5972% | 2,294 |
| Core capital (leverage) ratio | 11.0606% | 2,194 |
| Tier 1 risk-based capital ratio | 17.1630% | 2,213 |
| Total risk-based capital ratio | 18.4334% | 2,156 |
| Memoranda: | ||
| Average total assets | $98,942,500 | 5,182 |
| Average earning assets | $90,791,000 | 5,141 |
| Average equity | $11,684,500 | 4,795 |
| Average total loans | $64,398,000 | 5,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1664% | 1,328 |
| Cost of funding earning assets | 1.6204% | 4,933 |
| Net interest margin | 4.5460% | 1,085 |
| Noninterest income to average assets | 0.4995% | 4,420 |
| Noninterest expense to average assets | 2.8547% | 4,726 |
| Loan and lease loss provision to assets | 0.6621% | 3,161 |
| Net operating income to assets | 0.8585% | 2,316 |
| Return on assets (ROA) | 0.8257% | 2,519 |
| Pretax return on assets | 1.1359% | 2,139 |
| Return on Equity (ROE) | 6.7437% | 2,893 |
| Retained earnings to average equity (ytd only) | 3.6601% | 2,626 |
| Net charge-offs to loans | 0.7588% | 2,924 |
| Credit loss provision to net charge-offs | 126.8443% | 4,102 |
| Earnings coverage of net charge-offs (x) | 3.5307% | 3,307 |
| Efficiency ratio | 60.7696% | 6,363 |
| Assets per employee ($millions) | 3.8703% | 4,089 |
| Cash dividends to net income (ytd only)* | 45.7254% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,162 |
| Loan loss allowance to noncurrent loans | 81.1927% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 4,394 |
| Noncurrent loans to loans | 2.0085% | 3,640 |
| Net loans and leases to total assets | 66.2071% | 4,104 |
| Net loans and leases to deposits | 79.1118% | 4,155 |
| Net loans and leases to core deposits | 96.9886% | 4,351 |
| Total domestic deposits to total assets | 83.6880% | 4,182 |
| Equity capital to assets | 12.0312% | 2,018 |
| Core capital (leverage) ratio | 11.6265% | 1,853 |
| Tier 1 risk-based capital ratio | 17.1663% | 2,112 |
| Total risk-based capital ratio | 18.4345% | 2,062 |
| Memoranda: | ||
| Average total assets | $93,495,000 | 5,285 |
| Average earning assets | $86,338,800 | 5,249 |
| Average equity | $11,447,800 | 4,896 |
| Average total loans | $64,312,800 | 5,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1683% | 1,449 |
| Cost of funding earning assets | 1.6770% | 5,025 |
| Net interest margin | 4.4913% | 1,213 |
| Noninterest income to average assets | 0.5064% | 4,433 |
| Noninterest expense to average assets | 2.8902% | 4,499 |
| Loan and lease loss provision to assets | 0.6747% | 2,712 |
| Net operating income to assets | 0.8353% | 2,675 |
| Return on assets (ROA) | 0.8416% | 2,711 |
| Pretax return on assets | 1.1538% | 2,402 |
| Return on Equity (ROE) | 6.8422% | 3,141 |
| Retained earnings to average equity (ytd only) | 5.0059% | 2,488 |
| Net charge-offs to loans | 0.7924% | 2,384 |
| Credit loss provision to net charge-offs | 123.0971% | 4,104 |
| Earnings coverage of net charge-offs (x) | 3.3202% | 3,579 |
| Efficiency ratio | 61.3622% | 6,217 |
| Assets per employee ($millions) | 3.7680% | 4,264 |
| Cash dividends to net income (ytd only)* | 26.8379% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 2,997 |
| Loan loss allowance to noncurrent loans | 92.3844% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 4,428 |
| Noncurrent loans to loans | 1.7306% | 4,041 |
| Net loans and leases to total assets | 66.5782% | 4,287 |
| Net loans and leases to deposits | 80.3526% | 4,331 |
| Net loans and leases to core deposits | 98.4584% | 4,560 |
| Total domestic deposits to total assets | 82.8576% | 4,297 |
| Equity capital to assets | 12.4152% | 1,999 |
| Core capital (leverage) ratio | 12.0897% | 1,761 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,082 |
| Total risk-based capital ratio | 18.9290% | 2,028 |
| Memoranda: | ||
| Average total assets | $92,679,500 | 5,344 |
| Average earning assets | $86,742,500 | 5,278 |
| Average equity | $11,399,500 | 4,948 |
| Average total loans | $64,110,500 | 5,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2576% | 1,316 |
| Cost of funding earning assets | 1.7743% | 4,886 |
| Net interest margin | 4.4834% | 1,208 |
| Noninterest income to average assets | 0.5056% | 4,398 |
| Noninterest expense to average assets | 2.7470% | 5,190 |
| Loan and lease loss provision to assets | 0.6922% | 2,354 |
| Net operating income to assets | 0.8598% | 2,613 |
| Return on assets (ROA) | 0.8658% | 2,693 |
| Pretax return on assets | 1.2585% | 2,134 |
| Return on Equity (ROE) | 7.0613% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.2828% | 2,920 |
| Net charge-offs to loans | 1.2018% | 1,525 |
| Credit loss provision to net charge-offs | 82.6425% | 5,128 |
| Earnings coverage of net charge-offs (x) | 2.3187% | 3,908 |
| Efficiency ratio | 58.5840% | 6,750 |
| Assets per employee ($millions) | 3.7002% | 4,328 |
| Cash dividends to net income (ytd only)* | 39.3484% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 3,952 |
| Loan loss allowance to noncurrent loans | 108.8161% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 4,548 |
| Noncurrent loans to loans | 1.2461% | 4,719 |
| Net loans and leases to total assets | 67.9463% | 4,159 |
| Net loans and leases to deposits | 82.8387% | 4,077 |
| Net loans and leases to core deposits | 100.2776% | 4,482 |
| Total domestic deposits to total assets | 82.0224% | 4,689 |
| Equity capital to assets | 12.3022% | 2,025 |
| Core capital (leverage) ratio | 11.8055% | 1,915 |
| Tier 1 risk-based capital ratio | 17.3930% | 2,179 |
| Total risk-based capital ratio | 18.6579% | 2,126 |
| Memoranda: | ||
| Average total assets | $92,173,000 | 5,400 |
| Average earning assets | $86,007,000 | 5,338 |
| Average equity | $11,301,000 | 5,001 |
| Average total loans | $64,235,670 | 5,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2527% | 1,435 |
| Cost of funding earning assets | 1.8412% | 4,914 |
| Net interest margin | 4.4115% | 1,318 |
| Noninterest income to average assets | 0.5000% | 4,323 |
| Noninterest expense to average assets | 2.6476% | 5,229 |
| Loan and lease loss provision to assets | 0.7347% | 1,747 |
| Net operating income to assets | 0.7869% | 3,184 |
| Return on assets (ROA) | 0.7869% | 3,349 |
| Pretax return on assets | 1.2216% | 2,548 |
| Return on Equity (ROE) | 6.4290% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.4290% | 2,449 |
| Net charge-offs to loans | 2.0653% | 700 |
| Credit loss provision to net charge-offs | 50.7508% | 4,667 |
| Earnings coverage of net charge-offs (x) | 1.3514% | 4,062 |
| Efficiency ratio | 57.5071% | 6,760 |
| Assets per employee ($millions) | 3.7109% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 4,666 |
| Loan loss allowance to noncurrent loans | 269.1228% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 6,035 |
| Noncurrent loans to loans | 0.4533% | 6,286 |
| Net loans and leases to total assets | 66.9415% | 4,356 |
| Net loans and leases to deposits | 82.7952% | 4,164 |
| Net loans and leases to core deposits | 98.3249% | 4,712 |
| Total domestic deposits to total assets | 80.8520% | 5,024 |
| Equity capital to assets | 12.2526% | 2,106 |
| Core capital (leverage) ratio | 11.9129% | 1,936 |
| Tier 1 risk-based capital ratio | 16.8085% | 2,399 |
| Total risk-based capital ratio | 17.9575% | 2,374 |
| Memoranda: | ||
| Average total assets | $92,007,500 | 5,421 |
| Average earning assets | $85,594,500 | 5,375 |
| Average equity | $11,261,500 | 5,038 |
| Average total loans | $64,495,000 | 5,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8496% | 1,532 |
| Cost of funding earning assets | 2.5239% | 4,077 |
| Net interest margin | 4.3257% | 1,899 |
| Noninterest income to average assets | 0.5578% | 4,179 |
| Noninterest expense to average assets | 2.6947% | 5,294 |
| Loan and lease loss provision to assets | 0.2939% | 4,034 |
| Net operating income to assets | 1.0478% | 2,364 |
| Return on assets (ROA) | 1.0646% | 2,191 |
| Pretax return on assets | 1.6069% | 1,366 |
| Return on Equity (ROE) | 8.6982% | 2,755 |
| Retained earnings to average equity (ytd only) | 2.7635% | 3,462 |
| Net charge-offs to loans | 0.2564% | 3,708 |
| Credit loss provision to net charge-offs | 158.6826% | 3,260 |
| Earnings coverage of net charge-offs (x) | 10.1257% | 2,572 |
| Efficiency ratio | 58.9663% | 6,531 |
| Assets per employee ($millions) | 3.5093% | 4,632 |
| Cash dividends to net income (ytd only)* | 68.2292% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,150 |
| Loan loss allowance to noncurrent loans | 5,818.7500% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 6,787 |
| Noncurrent loans to loans | 0.0242% | 7,419 |
| Net loans and leases to total assets | 71.4455% | 3,696 |
| Net loans and leases to deposits | 92.9346% | 2,968 |
| Net loans and leases to core deposits | 114.6382% | 3,270 |
| Total domestic deposits to total assets | 76.8771% | 6,024 |
| Equity capital to assets | 12.2267% | 2,149 |
| Core capital (leverage) ratio | 11.6896% | 2,132 |
| Tier 1 risk-based capital ratio | 16.1410% | 2,611 |
| Total risk-based capital ratio | 17.3918% | 2,544 |
| Memoranda: | ||
| Average total assets | $90,175,600 | 5,350 |
| Average earning assets | $83,639,400 | 5,310 |
| Average equity | $11,036,800 | 5,109 |
| Average total loans | $65,120,800 | 5,054 |