Home > The Farmers & Merchants State Bank > Performance and Condition Ratios
The Farmers & Merchants State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 2,425 |
| Cost of funding earning assets | 1.9766% | 946 |
| Net interest margin | 2.8488% | 3,570 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.1162% | 3,371 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7669% | 2,990 |
| Return on assets (ROA) | 0.7491% | 3,029 |
| Pretax return on assets | 0.9415% | 2,837 |
| Return on Equity (ROE) | 7.1800% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.8920% | 2,636 |
| Net charge-offs to loans | 0.0222% | 1,888 |
| Credit loss provision to net charge-offs | 308.1670% | 941 |
| Earnings coverage of net charge-offs (x) | 58.0780% | 1,206 |
| Efficiency ratio | 65.6868% | 2,386 |
| Assets per employee ($millions) | 7.1808% | 1,953 |
| Cash dividends to net income (ytd only)* | 31.8850% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,463 |
| Loan loss allowance to noncurrent loans | 111.9492% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 771 |
| Noncurrent loans to loans | 0.8655% | 882 |
| Net loans and leases to total assets | 78.1100% | 859 |
| Net loans and leases to deposits | 97.9594% | 655 |
| Net loans and leases to core deposits | 103.5315% | 1,244 |
| Total domestic deposits to total assets | 79.7400% | 3,508 |
| Equity capital to assets | 10.3496% | 1,813 |
| Core capital (leverage) ratio | 8.6617% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7307% | 2,649 |
| Memoranda: | ||
| Average total assets | $3,139,881,600 | 382 |
| Average earning assets | $2,891,466,600 | 370 |
| Average equity | $327,515,800 | 368 |
| Average total loans | $2,487,096,200 | 350 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 2,430 |
| Cost of funding earning assets | 1.8219% | 977 |
| Net interest margin | 2.8993% | 3,546 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.1588% | 3,187 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7878% | 3,065 |
| Return on assets (ROA) | 0.7614% | 3,126 |
| Pretax return on assets | 0.9595% | 2,956 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.6421% | 2,737 |
| Net charge-offs to loans | 0.0011% | 2,587 |
| Credit loss provision to net charge-offs | 7,100.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,220.4000% | 130 |
| Efficiency ratio | 65.5404% | 2,325 |
| Assets per employee ($millions) | 6.9344% | 2,001 |
| Cash dividends to net income (ytd only)* | 22.5492% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,377 |
| Loan loss allowance to noncurrent loans | 112.6075% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 820 |
| Noncurrent loans to loans | 0.8870% | 932 |
| Net loans and leases to total assets | 77.7000% | 920 |
| Net loans and leases to deposits | 97.2144% | 664 |
| Net loans and leases to core deposits | 104.3662% | 1,103 |
| Total domestic deposits to total assets | 79.9200% | 3,540 |
| Equity capital to assets | 10.1173% | 1,763 |
| Core capital (leverage) ratio | 8.8034% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8503% | 2,655 |
| Memoranda: | ||
| Average total assets | $3,106,239,500 | 387 |
| Average earning assets | $2,861,599,000 | 378 |
| Average equity | $324,671,500 | 372 |
| Average total loans | $2,463,178,500 | 353 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 2,411 |
| Cost of funding earning assets | 1.6058% | 1,051 |
| Net interest margin | 2.9970% | 3,436 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.1746% | 3,155 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8791% | 2,823 |
| Return on assets (ROA) | 0.8379% | 2,974 |
| Pretax return on assets | 1.0589% | 2,752 |
| Return on Equity (ROE) | 7.9300% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.3102% | 2,191 |
| Net charge-offs to loans | -0.0060% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.2942% | 2,563 |
| Assets per employee ($millions) | 6.8210% | 2,060 |
| Cash dividends to net income (ytd only)* | 7.7833% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,471 |
| Loan loss allowance to noncurrent loans | 395.2086% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 2,188 |
| Noncurrent loans to loans | 0.2504% | 2,263 |
| Net loans and leases to total assets | 79.4300% | 687 |
| Net loans and leases to deposits | 100.7801% | 480 |
| Net loans and leases to core deposits | 107.5522% | 924 |
| Total domestic deposits to total assets | 78.8200% | 3,746 |
| Equity capital to assets | 10.4495% | 1,622 |
| Core capital (leverage) ratio | 9.0113% | 3,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8813% | 2,662 |
| Memoranda: | ||
| Average total assets | $3,066,815,333 | 379 |
| Average earning assets | $2,826,027,333 | 372 |
| Average equity | $324,151,333 | 363 |
| Average total loans | $2,440,689,667 | 341 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 2,223 |
| Cost of funding earning assets | 1.3903% | 1,042 |
| Net interest margin | 3.1497% | 3,236 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.1994% | 3,098 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9795% | 2,595 |
| Return on assets (ROA) | 0.8925% | 2,834 |
| Pretax return on assets | 1.1224% | 2,651 |
| Return on Equity (ROE) | 8.3900% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.3948% | 2,116 |
| Net charge-offs to loans | 0.0100% | 1,564 |
| Credit loss provision to net charge-offs | 1,361.6667% | 296 |
| Earnings coverage of net charge-offs (x) | 170.1500% | 563 |
| Efficiency ratio | 60.3602% | 2,915 |
| Assets per employee ($millions) | 7.3380% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,492 |
| Loan loss allowance to noncurrent loans | 319.2173% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 1,861 |
| Noncurrent loans to loans | 0.3153% | 2,014 |
| Net loans and leases to total assets | 79.1800% | 620 |
| Net loans and leases to deposits | 96.1862% | 638 |
| Net loans and leases to core deposits | 103.1434% | 960 |
| Total domestic deposits to total assets | 82.3200% | 3,433 |
| Equity capital to assets | 10.7029% | 1,452 |
| Core capital (leverage) ratio | 9.0053% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1676% | 2,672 |
| Memoranda: | ||
| Average total assets | $3,031,402,000 | 399 |
| Average earning assets | $2,795,456,500 | 386 |
| Average equity | $322,293,000 | 375 |
| Average total loans | $2,402,408,500 | 353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 1,737 |
| Cost of funding earning assets | 0.5058% | 1,347 |
| Net interest margin | 3.4859% | 1,972 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.1026% | 3,285 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2085% | 1,742 |
| Return on assets (ROA) | 1.2124% | 1,672 |
| Pretax return on assets | 1.5229% | 1,386 |
| Return on Equity (ROE) | 10.8900% | 2,512 |
| Retained earnings to average equity (ytd only) | -3.2438% | 4,525 |
| Net charge-offs to loans | 0.0255% | 1,548 |
| Credit loss provision to net charge-offs | 869.5652% | 471 |
| Earnings coverage of net charge-offs (x) | 87.1267% | 1,042 |
| Efficiency ratio | 54.3973% | 3,761 |
| Assets per employee ($millions) | 6.9672% | 1,999 |
| Cash dividends to net income (ytd only)* | 129.7761% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 3,888 |
| Loan loss allowance to noncurrent loans | 433.2054% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,438 |
| Noncurrent loans to loans | 0.1989% | 2,490 |
| Net loans and leases to total assets | 77.8200% | 815 |
| Net loans and leases to deposits | 94.0303% | 779 |
| Net loans and leases to core deposits | 101.4451% | 926 |
| Total domestic deposits to total assets | 82.7600% | 3,470 |
| Equity capital to assets | 10.5593% | 1,429 |
| Core capital (leverage) ratio | 9.0287% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0738% | 2,716 |
| Memoranda: | ||
| Average total assets | $2,732,997,600 | 421 |
| Average earning assets | $2,525,131,600 | 413 |
| Average equity | $304,146,200 | 387 |
| Average total loans | $2,074,894,600 | 369 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 1,570 |
| Cost of funding earning assets | 0.3390% | 1,786 |
| Net interest margin | 3.5245% | 1,594 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.0251% | 3,415 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.2863% | 1,401 |
| Return on assets (ROA) | 1.2904% | 1,355 |
| Pretax return on assets | 1.6229% | 1,063 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | -7.6224% | 4,650 |
| Net charge-offs to loans | 0.0065% | 1,917 |
| Credit loss provision to net charge-offs | 3,963.9175% | 139 |
| Earnings coverage of net charge-offs (x) | 373.0722% | 411 |
| Efficiency ratio | 51.9035% | 4,019 |
| Assets per employee ($millions) | 7.0124% | 1,932 |
| Cash dividends to net income (ytd only)* | 166.6860% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,764 |
| Loan loss allowance to noncurrent loans | 365.4479% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 2,274 |
| Noncurrent loans to loans | 0.2550% | 2,359 |
| Net loans and leases to total assets | 77.3000% | 774 |
| Net loans and leases to deposits | 92.9449% | 705 |
| Net loans and leases to core deposits | 98.5554% | 879 |
| Total domestic deposits to total assets | 83.1700% | 3,657 |
| Equity capital to assets | 10.4425% | 1,401 |
| Core capital (leverage) ratio | 9.1612% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2364% | 2,739 |
| Memoranda: | ||
| Average total assets | $2,665,534,750 | 429 |
| Average earning assets | $2,464,673,750 | 427 |
| Average equity | $300,912,500 | 388 |
| Average total loans | $2,004,314,750 | 374 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 1,425 |
| Cost of funding earning assets | 0.2706% | 2,021 |
| Net interest margin | 3.4776% | 1,377 |
| Noninterest income to average assets | 0.5866% | 1,800 |
| Noninterest expense to average assets | 2.0204% | 3,379 |
| Loan and lease loss provision to assets | 0.1674% | 550 |
| Net operating income to assets | 1.2832% | 1,186 |
| Return on assets (ROA) | 1.2892% | 1,150 |
| Pretax return on assets | 1.6201% | 900 |
| Return on Equity (ROE) | 11.1300% | 1,938 |
| Retained earnings to average equity (ytd only) | -15.0536% | 4,704 |
| Net charge-offs to loans | 0.0027% | 1,988 |
| Credit loss provision to net charge-offs | 8,492.3077% | 66 |
| Earnings coverage of net charge-offs (x) | 902.9231% | 147 |
| Efficiency ratio | 52.2475% | 4,109 |
| Assets per employee ($millions) | 6.7877% | 2,081 |
| Cash dividends to net income (ytd only)* | 235.2526% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 3,944 |
| Loan loss allowance to noncurrent loans | 351.1340% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,341 |
| Noncurrent loans to loans | 0.2573% | 2,446 |
| Net loans and leases to total assets | 76.3304% | 695 |
| Net loans and leases to deposits | 90.7198% | 676 |
| Net loans and leases to core deposits | 93.5099% | 940 |
| Total domestic deposits to total assets | 84.1387% | 3,666 |
| Equity capital to assets | 10.8659% | 1,273 |
| Core capital (leverage) ratio | 9.1552% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5436% | 2,663 |
| Memoranda: | ||
| Average total assets | $2,637,763,333 | 433 |
| Average earning assets | $2,437,738,667 | 432 |
| Average equity | $305,534,000 | 386 |
| Average total loans | $1,957,487,000 | 374 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 1,539 |
| Cost of funding earning assets | 0.2623% | 2,017 |
| Net interest margin | 3.3249% | 1,512 |
| Noninterest income to average assets | 0.6365% | 1,544 |
| Noninterest expense to average assets | 2.0363% | 3,337 |
| Loan and lease loss provision to assets | 0.0881% | 939 |
| Net operating income to assets | 1.2668% | 1,078 |
| Return on assets (ROA) | 1.2813% | 1,034 |
| Pretax return on assets | 1.6054% | 818 |
| Return on Equity (ROE) | 10.7276% | 1,718 |
| Retained earnings to average equity (ytd only) | -40.1502% | 4,769 |
| Net charge-offs to loans | 0.0106% | 1,370 |
| Credit loss provision to net charge-offs | 1,137.2549% | 307 |
| Earnings coverage of net charge-offs (x) | 216.2549% | 408 |
| Efficiency ratio | 53.9189% | 4,056 |
| Assets per employee ($millions) | 6.9579% | 2,021 |
| Cash dividends to net income (ytd only)* | 474.2708% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,149 |
| Loan loss allowance to noncurrent loans | 195.4434% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 1,822 |
| Noncurrent loans to loans | 0.4360% | 1,938 |
| Net loans and leases to total assets | 73.4228% | 706 |
| Net loans and leases to deposits | 86.3892% | 712 |
| Net loans and leases to core deposits | 89.1712% | 957 |
| Total domestic deposits to total assets | 84.9907% | 3,537 |
| Equity capital to assets | 10.9304% | 1,365 |
| Core capital (leverage) ratio | 8.8029% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4722% | 2,783 |
| Memoranda: | ||
| Average total assets | $2,633,042,000 | 438 |
| Average earning assets | $2,435,321,500 | 434 |
| Average equity | $314,479,500 | 387 |
| Average total loans | $1,916,706,500 | 378 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 1,778 |
| Cost of funding earning assets | 0.3308% | 2,111 |
| Net interest margin | 3.5061% | 1,713 |
| Noninterest income to average assets | 0.7041% | 1,758 |
| Noninterest expense to average assets | 2.4200% | 2,424 |
| Loan and lease loss provision to assets | 0.1595% | 743 |
| Net operating income to assets | 1.0710% | 2,410 |
| Return on assets (ROA) | 1.0766% | 2,456 |
| Pretax return on assets | 1.3703% | 2,138 |
| Return on Equity (ROE) | 9.4932% | 2,721 |
| Retained earnings to average equity (ytd only) | 0.5112% | 4,372 |
| Net charge-offs to loans | 0.0583% | 1,205 |
| Credit loss provision to net charge-offs | 394.0503% | 917 |
| Earnings coverage of net charge-offs (x) | 37.6281% | 1,468 |
| Efficiency ratio | 60.4394% | 3,090 |
| Assets per employee ($millions) | 6.7745% | 2,090 |
| Cash dividends to net income (ytd only)* | 94.6155% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 4,136 |
| Loan loss allowance to noncurrent loans | 201.1144% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,973 |
| Noncurrent loans to loans | 0.4330% | 2,056 |
| Net loans and leases to total assets | 70.8882% | 937 |
| Net loans and leases to deposits | 84.1433% | 899 |
| Net loans and leases to core deposits | 87.0913% | 1,129 |
| Total domestic deposits to total assets | 84.2470% | 3,488 |
| Equity capital to assets | 12.9760% | 905 |
| Core capital (leverage) ratio | 10.2453% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2202% | 1,769 |
| Memoranda: | ||
| Average total assets | $2,159,771,800 | 492 |
| Average earning assets | $1,994,979,600 | 496 |
| Average equity | $244,934,200 | 455 |
| Average total loans | $1,498,162,800 | 472 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 1,972 |
| Cost of funding earning assets | 0.3353% | 2,246 |
| Net interest margin | 3.4854% | 1,912 |
| Noninterest income to average assets | 0.7128% | 1,782 |
| Noninterest expense to average assets | 2.4781% | 2,187 |
| Loan and lease loss provision to assets | 0.1953% | 535 |
| Net operating income to assets | 0.9881% | 2,955 |
| Return on assets (ROA) | 0.9938% | 3,011 |
| Pretax return on assets | 1.2651% | 2,716 |
| Return on Equity (ROE) | 9.1850% | 3,044 |
| Retained earnings to average equity (ytd only) | -2.2489% | 4,710 |
| Net charge-offs to loans | 0.0923% | 782 |
| Credit loss provision to net charge-offs | 308.0082% | 990 |
| Earnings coverage of net charge-offs (x) | 22.9138% | 1,674 |
| Efficiency ratio | 62.0909% | 2,681 |
| Assets per employee ($millions) | 5.9961% | 2,702 |
| Cash dividends to net income (ytd only)* | 124.4840% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 3,680 |
| Loan loss allowance to noncurrent loans | 251.2484% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 2,312 |
| Noncurrent loans to loans | 0.4167% | 2,312 |
| Net loans and leases to total assets | 67.6030% | 1,362 |
| Net loans and leases to deposits | 78.2333% | 1,465 |
| Net loans and leases to core deposits | 79.5269% | 1,780 |
| Total domestic deposits to total assets | 86.4120% | 2,595 |
| Equity capital to assets | 10.8073% | 2,159 |
| Core capital (leverage) ratio | 8.3022% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3109% | 2,901 |
| Memoranda: | ||
| Average total assets | $2,047,670,500 | 522 |
| Average earning assets | $1,890,850,250 | 523 |
| Average equity | $221,558,250 | 499 |
| Average total loans | $1,406,420,250 | 494 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7030% | 2,320 |
| Cost of funding earning assets | 0.3561% | 2,264 |
| Net interest margin | 3.3469% | 2,308 |
| Noninterest income to average assets | 0.7390% | 1,691 |
| Noninterest expense to average assets | 2.4251% | 2,376 |
| Loan and lease loss provision to assets | 0.2343% | 432 |
| Net operating income to assets | 0.9235% | 3,149 |
| Return on assets (ROA) | 0.9312% | 3,208 |
| Pretax return on assets | 1.1759% | 2,976 |
| Return on Equity (ROE) | 8.6026% | 3,226 |
| Retained earnings to average equity (ytd only) | -8.9613% | 4,856 |
| Net charge-offs to loans | 0.1346% | 591 |
| Credit loss provision to net charge-offs | 252.8078% | 961 |
| Earnings coverage of net charge-offs (x) | 15.1134% | 1,646 |
| Efficiency ratio | 62.4379% | 2,669 |
| Assets per employee ($millions) | 5.6836% | 2,922 |
| Cash dividends to net income (ytd only)* | 204.1694% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,727 |
| Loan loss allowance to noncurrent loans | 214.5783% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 2,244 |
| Noncurrent loans to loans | 0.4795% | 2,234 |
| Net loans and leases to total assets | 67.7352% | 1,482 |
| Net loans and leases to deposits | 78.2514% | 1,591 |
| Net loans and leases to core deposits | 79.6802% | 1,911 |
| Total domestic deposits to total assets | 86.5610% | 2,526 |
| Equity capital to assets | 10.5504% | 2,354 |
| Core capital (leverage) ratio | 8.1582% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9022% | 2,978 |
| Memoranda: | ||
| Average total assets | $1,998,702,000 | 527 |
| Average earning assets | $1,843,207,000 | 531 |
| Average equity | $216,352,667 | 502 |
| Average total loans | $1,375,461,333 | 509 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 2,224 |
| Cost of funding earning assets | 0.3895% | 2,178 |
| Net interest margin | 3.3673% | 2,197 |
| Noninterest income to average assets | 0.8549% | 1,450 |
| Noninterest expense to average assets | 2.4703% | 2,264 |
| Loan and lease loss provision to assets | 0.3529% | 238 |
| Net operating income to assets | 0.9170% | 3,087 |
| Return on assets (ROA) | 0.9318% | 3,119 |
| Pretax return on assets | 1.1516% | 2,982 |
| Return on Equity (ROE) | 8.4881% | 3,190 |
| Retained earnings to average equity (ytd only) | -23.6637% | 4,932 |
| Net charge-offs to loans | 0.2848% | 300 |
| Credit loss provision to net charge-offs | 179.5143% | 925 |
| Earnings coverage of net charge-offs (x) | 7.5597% | 1,606 |
| Efficiency ratio | 61.5385% | 2,831 |
| Assets per employee ($millions) | 5.7248% | 2,884 |
| Cash dividends to net income (ytd only)* | 378.7879% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,580 |
| Loan loss allowance to noncurrent loans | 177.2331% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 2,138 |
| Noncurrent loans to loans | 0.6033% | 2,063 |
| Net loans and leases to total assets | 67.7775% | 1,555 |
| Net loans and leases to deposits | 78.2080% | 1,698 |
| Net loans and leases to core deposits | 79.7093% | 2,029 |
| Total domestic deposits to total assets | 86.6631% | 2,458 |
| Equity capital to assets | 10.2896% | 2,443 |
| Core capital (leverage) ratio | 8.2092% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2554% | 2,877 |
| Memoranda: | ||
| Average total assets | $1,926,692,500 | 543 |
| Average earning assets | $1,774,690,500 | 549 |
| Average equity | $211,496,500 | 504 |
| Average total loans | $1,329,960,000 | 526 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3830% | 1,635 |
| Cost of funding earning assets | 0.6534% | 1,968 |
| Net interest margin | 3.7296% | 1,707 |
| Noninterest income to average assets | 0.9015% | 1,264 |
| Noninterest expense to average assets | 2.5280% | 2,760 |
| Loan and lease loss provision to assets | 0.4030% | 776 |
| Net operating income to assets | 1.0934% | 1,953 |
| Return on assets (ROA) | 1.1044% | 2,030 |
| Pretax return on assets | 1.4094% | 1,628 |
| Return on Equity (ROE) | 8.9705% | 2,403 |
| Retained earnings to average equity (ytd only) | 5.4067% | 2,091 |
| Net charge-offs to loans | 0.0412% | 2,235 |
| Credit loss provision to net charge-offs | 1,300.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 58.0112% | 1,086 |
| Efficiency ratio | 57.4492% | 3,798 |
| Assets per employee ($millions) | 5.1337% | 3,253 |
| Cash dividends to net income (ytd only)* | 39.7282% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,706 |
| Loan loss allowance to noncurrent loans | 177.9513% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,354 |
| Noncurrent loans to loans | 0.5862% | 2,234 |
| Net loans and leases to total assets | 68.8441% | 1,714 |
| Net loans and leases to deposits | 81.0381% | 1,762 |
| Net loans and leases to core deposits | 82.6933% | 2,142 |
| Total domestic deposits to total assets | 84.9528% | 2,778 |
| Equity capital to assets | 11.6959% | 1,736 |
| Core capital (leverage) ratio | 9.0761% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6508% | 2,753 |
| Memoranda: | ||
| Average total assets | $1,732,173,800 | 546 |
| Average earning assets | $1,590,675,200 | 545 |
| Average equity | $213,254,200 | 481 |
| Average total loans | $1,302,284,400 | 509 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 1,769 |
| Cost of funding earning assets | 0.7180% | 1,918 |
| Net interest margin | 3.7114% | 1,903 |
| Noninterest income to average assets | 0.7967% | 1,508 |
| Noninterest expense to average assets | 2.5863% | 2,574 |
| Loan and lease loss provision to assets | 0.3924% | 917 |
| Net operating income to assets | 0.9730% | 2,439 |
| Return on assets (ROA) | 0.9899% | 2,507 |
| Pretax return on assets | 1.2477% | 2,234 |
| Return on Equity (ROE) | 7.9300% | 2,831 |
| Retained earnings to average equity (ytd only) | 4.3994% | 2,850 |
| Net charge-offs to loans | 0.0339% | 2,151 |
| Credit loss provision to net charge-offs | 1,506.3444% | 616 |
| Earnings coverage of net charge-offs (x) | 62.1420% | 1,077 |
| Efficiency ratio | 60.4832% | 3,314 |
| Assets per employee ($millions) | 4.8183% | 3,469 |
| Cash dividends to net income (ytd only)* | 44.5222% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,173 |
| Loan loss allowance to noncurrent loans | 150.9911% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,394 |
| Noncurrent loans to loans | 0.5738% | 2,364 |
| Net loans and leases to total assets | 75.4474% | 1,169 |
| Net loans and leases to deposits | 89.3408% | 1,337 |
| Net loans and leases to core deposits | 91.4563% | 1,844 |
| Total domestic deposits to total assets | 84.4490% | 2,656 |
| Equity capital to assets | 11.9842% | 1,685 |
| Core capital (leverage) ratio | 9.2559% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8990% | 2,935 |
| Memoranda: | ||
| Average total assets | $1,694,204,500 | 549 |
| Average earning assets | $1,555,853,250 | 548 |
| Average equity | $211,478,500 | 476 |
| Average total loans | $1,300,173,000 | 502 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,802 |
| Cost of funding earning assets | 0.8038% | 1,805 |
| Net interest margin | 3.7361% | 2,038 |
| Noninterest income to average assets | 0.6865% | 1,789 |
| Noninterest expense to average assets | 2.5026% | 2,951 |
| Loan and lease loss provision to assets | 0.3617% | 1,164 |
| Net operating income to assets | 0.9909% | 2,358 |
| Return on assets (ROA) | 1.0169% | 2,393 |
| Pretax return on assets | 1.2795% | 2,102 |
| Return on Equity (ROE) | 8.0301% | 2,734 |
| Retained earnings to average equity (ytd only) | 4.8870% | 2,527 |
| Net charge-offs to loans | 0.0461% | 1,829 |
| Credit loss provision to net charge-offs | 1,020.0680% | 779 |
| Earnings coverage of net charge-offs (x) | 45.3605% | 1,169 |
| Efficiency ratio | 59.8075% | 3,434 |
| Assets per employee ($millions) | 4.7451% | 3,478 |
| Cash dividends to net income (ytd only)* | 39.1413% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,503 |
| Loan loss allowance to noncurrent loans | 105.1334% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 2,178 |
| Noncurrent loans to loans | 0.6967% | 2,135 |
| Net loans and leases to total assets | 76.4715% | 1,066 |
| Net loans and leases to deposits | 91.0097% | 1,266 |
| Net loans and leases to core deposits | 93.1203% | 1,813 |
| Total domestic deposits to total assets | 84.0256% | 2,739 |
| Equity capital to assets | 12.1365% | 1,580 |
| Core capital (leverage) ratio | 9.4367% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8598% | 3,002 |
| Memoranda: | ||
| Average total assets | $1,658,256,000 | 551 |
| Average earning assets | $1,519,995,333 | 545 |
| Average equity | $209,984,333 | 477 |
| Average total loans | $1,276,403,000 | 506 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,645 |
| Cost of funding earning assets | 0.9289% | 1,744 |
| Net interest margin | 3.7939% | 2,000 |
| Noninterest income to average assets | 0.6787% | 1,737 |
| Noninterest expense to average assets | 2.6509% | 2,835 |
| Loan and lease loss provision to assets | 0.3559% | 870 |
| Net operating income to assets | 0.9057% | 2,505 |
| Return on assets (ROA) | 0.9575% | 2,427 |
| Pretax return on assets | 1.2041% | 2,181 |
| Return on Equity (ROE) | 7.3928% | 2,779 |
| Retained earnings to average equity (ytd only) | 6.4319% | 1,737 |
| Net charge-offs to loans | 0.0404% | 1,632 |
| Credit loss provision to net charge-offs | 1,144.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 48.0640% | 922 |
| Efficiency ratio | 62.8429% | 3,391 |
| Assets per employee ($millions) | 4.2046% | 3,655 |
| Cash dividends to net income (ytd only)* | 12.9971% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,642 |
| Loan loss allowance to noncurrent loans | 255.1734% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 3,607 |
| Noncurrent loans to loans | 0.2676% | 3,536 |
| Net loans and leases to total assets | 76.0859% | 1,289 |
| Net loans and leases to deposits | 91.8276% | 1,303 |
| Net loans and leases to core deposits | 95.0692% | 1,874 |
| Total domestic deposits to total assets | 82.8573% | 3,151 |
| Equity capital to assets | 12.9760% | 1,442 |
| Core capital (leverage) ratio | 10.1363% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6567% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,607,164,000 | 545 |
| Average earning assets | $1,468,869,000 | 538 |
| Average equity | $208,149,000 | 478 |
| Average total loans | $1,236,520,500 | 497 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 1,028 |
| Cost of funding earning assets | 1.1276% | 1,234 |
| Net interest margin | 4.0570% | 1,657 |
| Noninterest income to average assets | 0.7840% | 1,496 |
| Noninterest expense to average assets | 2.8801% | 2,348 |
| Loan and lease loss provision to assets | 0.0793% | 2,409 |
| Net operating income to assets | 1.2200% | 1,980 |
| Return on assets (ROA) | 1.2211% | 2,067 |
| Pretax return on assets | 1.5267% | 1,724 |
| Return on Equity (ROE) | 9.4862% | 2,526 |
| Retained earnings to average equity (ytd only) | 2.9424% | 3,559 |
| Net charge-offs to loans | 0.0632% | 2,195 |
| Credit loss provision to net charge-offs | 166.1314% | 1,564 |
| Earnings coverage of net charge-offs (x) | 33.6131% | 1,470 |
| Efficiency ratio | 63.0899% | 3,210 |
| Assets per employee ($millions) | 4.4340% | 3,327 |
| Cash dividends to net income (ytd only)* | 68.9819% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 4,755 |
| Loan loss allowance to noncurrent loans | 212.5882% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,534 |
| Noncurrent loans to loans | 0.2779% | 3,447 |
| Net loans and leases to total assets | 76.8206% | 1,289 |
| Net loans and leases to deposits | 94.3271% | 1,127 |
| Net loans and leases to core deposits | 97.6659% | 1,757 |
| Total domestic deposits to total assets | 81.4407% | 3,667 |
| Equity capital to assets | 12.9259% | 1,567 |
| Core capital (leverage) ratio | 10.0151% | 3,500 |
| Tier 1 risk-based capital ratio | 11.7131% | 4,521 |
| Total risk-based capital ratio | 12.3036% | 4,734 |
| Memoranda: | ||
| Average total assets | $1,434,882,400 | 570 |
| Average earning assets | $1,308,886,400 | 570 |
| Average equity | $184,710,400 | 505 |
| Average total loans | $1,084,356,400 | 535 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 831 |
| Cost of funding earning assets | 1.1455% | 1,190 |
| Net interest margin | 4.1737% | 1,437 |
| Noninterest income to average assets | 0.8036% | 1,405 |
| Noninterest expense to average assets | 3.0151% | 1,935 |
| Loan and lease loss provision to assets | 0.0391% | 3,121 |
| Net operating income to assets | 1.2441% | 2,033 |
| Return on assets (ROA) | 1.2466% | 2,106 |
| Pretax return on assets | 1.5566% | 1,790 |
| Return on Equity (ROE) | 9.6955% | 2,574 |
| Retained earnings to average equity (ytd only) | 2.8063% | 3,969 |
| Net charge-offs to loans | 0.0541% | 2,061 |
| Credit loss provision to net charge-offs | 96.2441% | 2,324 |
| Earnings coverage of net charge-offs (x) | 39.1945% | 1,391 |
| Efficiency ratio | 64.3061% | 2,956 |
| Assets per employee ($millions) | 4.3696% | 3,382 |
| Cash dividends to net income (ytd only)* | 71.0559% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 4,852 |
| Loan loss allowance to noncurrent loans | 205.9415% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,634 |
| Noncurrent loans to loans | 0.2831% | 3,522 |
| Net loans and leases to total assets | 74.3002% | 1,757 |
| Net loans and leases to deposits | 90.1362% | 1,682 |
| Net loans and leases to core deposits | 93.0570% | 2,262 |
| Total domestic deposits to total assets | 82.4311% | 3,341 |
| Equity capital to assets | 13.1103% | 1,559 |
| Core capital (leverage) ratio | 10.2055% | 3,418 |
| Tier 1 risk-based capital ratio | 12.4504% | 4,173 |
| Total risk-based capital ratio | 13.0431% | 4,414 |
| Memoranda: | ||
| Average total assets | $1,397,869,750 | 586 |
| Average earning assets | $1,274,078,750 | 586 |
| Average equity | $179,735,750 | 520 |
| Average total loans | $1,049,633,750 | 550 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 544 |
| Cost of funding earning assets | 1.1120% | 1,253 |
| Net interest margin | 4.4106% | 924 |
| Noninterest income to average assets | 0.8113% | 1,311 |
| Noninterest expense to average assets | 3.1376% | 1,642 |
| Loan and lease loss provision to assets | 0.0242% | 3,323 |
| Net operating income to assets | 1.3365% | 1,630 |
| Return on assets (ROA) | 1.3362% | 1,694 |
| Pretax return on assets | 1.6744% | 1,327 |
| Return on Equity (ROE) | 10.4714% | 2,193 |
| Retained earnings to average equity (ytd only) | 1.6083% | 4,244 |
| Net charge-offs to loans | 0.0503% | 1,925 |
| Credit loss provision to net charge-offs | 63.9216% | 2,375 |
| Earnings coverage of net charge-offs (x) | 44.8627% | 1,179 |
| Efficiency ratio | 63.7558% | 3,169 |
| Assets per employee ($millions) | 4.3378% | 3,387 |
| Cash dividends to net income (ytd only)* | 84.6410% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 4,854 |
| Loan loss allowance to noncurrent loans | 503.2380% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,204 |
| Noncurrent loans to loans | 0.1215% | 4,134 |
| Net loans and leases to total assets | 72.1725% | 2,191 |
| Net loans and leases to deposits | 87.4071% | 2,070 |
| Net loans and leases to core deposits | 91.2047% | 2,486 |
| Total domestic deposits to total assets | 82.5706% | 3,347 |
| Equity capital to assets | 13.3098% | 1,435 |
| Core capital (leverage) ratio | 10.2935% | 3,295 |
| Tier 1 risk-based capital ratio | 12.9973% | 3,835 |
| Total risk-based capital ratio | 13.6149% | 4,081 |
| Memoranda: | ||
| Average total assets | $1,346,760,670 | 603 |
| Average earning assets | $1,229,087,670 | 600 |
| Average equity | $171,859,000 | 538 |
| Average total loans | $1,013,077,670 | 566 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 582 |
| Cost of funding earning assets | 1.0640% | 1,317 |
| Net interest margin | 4.3707% | 964 |
| Noninterest income to average assets | 0.8246% | 1,226 |
| Noninterest expense to average assets | 3.6222% | 823 |
| Loan and lease loss provision to assets | 0.0095% | 3,312 |
| Net operating income to assets | 0.9583% | 3,013 |
| Return on assets (ROA) | 0.9578% | 3,057 |
| Pretax return on assets | 1.1916% | 2,837 |
| Return on Equity (ROE) | 7.7022% | 3,378 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,780 |
| Net charge-offs to loans | 0.0695% | 1,362 |
| Credit loss provision to net charge-offs | 17.7515% | 2,147 |
| Earnings coverage of net charge-offs (x) | 22.5325% | 1,494 |
| Efficiency ratio | 73.8977% | 1,766 |
| Assets per employee ($millions) | 4.2954% | 3,487 |
| Cash dividends to net income (ytd only)* | 31.3015% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6036% | 4,930 |
| Loan loss allowance to noncurrent loans | 558.5859% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,226 |
| Noncurrent loans to loans | 0.1081% | 4,250 |
| Net loans and leases to total assets | 75.4847% | 1,569 |
| Net loans and leases to deposits | 91.9076% | 1,412 |
| Net loans and leases to core deposits | 95.6678% | 1,959 |
| Total domestic deposits to total assets | 82.1311% | 3,690 |
| Equity capital to assets | 13.7292% | 1,122 |
| Core capital (leverage) ratio | 10.8642% | 2,702 |
| Tier 1 risk-based capital ratio | 13.1261% | 3,813 |
| Total risk-based capital ratio | 13.7413% | 4,046 |
| Memoranda: | ||
| Average total assets | $1,267,529,500 | 631 |
| Average earning assets | $1,159,816,000 | 633 |
| Average equity | $157,617,500 | 581 |
| Average total loans | $973,096,500 | 593 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 2,290 |
| Cost of funding earning assets | 0.6502% | 2,391 |
| Net interest margin | 3.9007% | 2,324 |
| Noninterest income to average assets | 0.9562% | 1,049 |
| Noninterest expense to average assets | 2.9381% | 2,221 |
| Loan and lease loss provision to assets | 0.0298% | 3,588 |
| Net operating income to assets | 1.2889% | 1,850 |
| Return on assets (ROA) | 1.2958% | 1,807 |
| Pretax return on assets | 1.6254% | 1,391 |
| Return on Equity (ROE) | 12.5215% | 1,536 |
| Retained earnings to average equity (ytd only) | 6.7406% | 1,789 |
| Net charge-offs to loans | 0.0499% | 2,439 |
| Credit loss provision to net charge-offs | 77.6978% | 2,899 |
| Earnings coverage of net charge-offs (x) | 42.9041% | 1,253 |
| Efficiency ratio | 63.7491% | 3,217 |
| Assets per employee ($millions) | 3.7760% | 4,216 |
| Cash dividends to net income (ytd only)* | 46.1681% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 4,533 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,301 |
| Noncurrent loans to loans | 0.0640% | 4,464 |
| Net loans and leases to total assets | 77.2502% | 1,397 |
| Net loans and leases to deposits | 90.3877% | 1,747 |
| Net loans and leases to core deposits | 92.5420% | 2,361 |
| Total domestic deposits to total assets | 85.4654% | 2,447 |
| Equity capital to assets | 10.7123% | 2,966 |
| Core capital (leverage) ratio | 10.5378% | 2,977 |
| Tier 1 risk-based capital ratio | 12.6707% | 4,036 |
| Total risk-based capital ratio | 13.4475% | 4,177 |
| Memoranda: | ||
| Average total assets | $1,086,522,800 | 706 |
| Average earning assets | $1,010,705,800 | 698 |
| Average equity | $112,438,200 | 760 |
| Average total loans | $836,185,000 | 668 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 2,312 |
| Cost of funding earning assets | 0.6270% | 2,290 |
| Net interest margin | 3.8711% | 2,402 |
| Noninterest income to average assets | 0.9593% | 1,035 |
| Noninterest expense to average assets | 2.8625% | 2,425 |
| Loan and lease loss provision to assets | 0.0269% | 3,474 |
| Net operating income to assets | 1.3407% | 1,701 |
| Return on assets (ROA) | 1.3417% | 1,707 |
| Pretax return on assets | 1.6734% | 1,336 |
| Return on Equity (ROE) | 13.0801% | 1,401 |
| Retained earnings to average equity (ytd only) | 7.6954% | 1,797 |
| Net charge-offs to loans | 0.0531% | 2,064 |
| Credit loss provision to net charge-offs | 65.9639% | 2,673 |
| Earnings coverage of net charge-offs (x) | 41.6954% | 1,321 |
| Efficiency ratio | 62.4136% | 3,442 |
| Assets per employee ($millions) | 3.7868% | 4,192 |
| Cash dividends to net income (ytd only)* | 41.1673% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 4,608 |
| Loan loss allowance to noncurrent loans | 1,398.5507% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,414 |
| Noncurrent loans to loans | 0.0575% | 4,634 |
| Net loans and leases to total assets | 76.9725% | 1,505 |
| Net loans and leases to deposits | 89.6871% | 1,940 |
| Net loans and leases to core deposits | 91.7331% | 2,505 |
| Total domestic deposits to total assets | 85.8233% | 2,270 |
| Equity capital to assets | 10.4882% | 3,159 |
| Core capital (leverage) ratio | 10.5149% | 3,065 |
| Tier 1 risk-based capital ratio | 12.6422% | 4,129 |
| Total risk-based capital ratio | 13.4297% | 4,291 |
| Memoranda: | ||
| Average total assets | $1,086,279,250 | 706 |
| Average earning assets | $1,010,859,500 | 695 |
| Average equity | $111,423,750 | 763 |
| Average total loans | $833,514,000 | 665 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 2,283 |
| Cost of funding earning assets | 0.5912% | 2,285 |
| Net interest margin | 3.8507% | 2,379 |
| Noninterest income to average assets | 0.9605% | 1,027 |
| Noninterest expense to average assets | 2.8016% | 2,651 |
| Loan and lease loss provision to assets | 0.0316% | 3,279 |
| Net operating income to assets | 1.3697% | 1,538 |
| Return on assets (ROA) | 1.3697% | 1,540 |
| Pretax return on assets | 1.7093% | 1,188 |
| Return on Equity (ROE) | 13.4541% | 1,222 |
| Retained earnings to average equity (ytd only) | 8.3955% | 1,450 |
| Net charge-offs to loans | 0.0604% | 1,743 |
| Credit loss provision to net charge-offs | 68.5259% | 2,366 |
| Earnings coverage of net charge-offs (x) | 37.7092% | 1,339 |
| Efficiency ratio | 61.3354% | 3,721 |
| Assets per employee ($millions) | 3.9146% | 4,034 |
| Cash dividends to net income (ytd only)* | 37.5990% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,644 |
| Loan loss allowance to noncurrent loans | 751.8272% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,271 |
| Noncurrent loans to loans | 0.1085% | 4,425 |
| Net loans and leases to total assets | 76.3711% | 1,578 |
| Net loans and leases to deposits | 88.5947% | 2,035 |
| Net loans and leases to core deposits | 90.3945% | 2,539 |
| Total domestic deposits to total assets | 86.2028% | 2,188 |
| Equity capital to assets | 10.3864% | 3,228 |
| Core capital (leverage) ratio | 10.3412% | 3,196 |
| Tier 1 risk-based capital ratio | 12.5041% | 4,180 |
| Total risk-based capital ratio | 13.2975% | 4,341 |
| Memoranda: | ||
| Average total assets | $1,087,368,000 | 706 |
| Average earning assets | $1,011,498,670 | 693 |
| Average equity | $110,702,000 | 767 |
| Average total loans | $831,226,330 | 662 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,341 |
| Cost of funding earning assets | 0.5771% | 2,192 |
| Net interest margin | 3.7768% | 2,517 |
| Noninterest income to average assets | 0.9204% | 1,096 |
| Noninterest expense to average assets | 2.8026% | 2,679 |
| Loan and lease loss provision to assets | 0.0147% | 3,342 |
| Net operating income to assets | 1.2948% | 1,660 |
| Return on assets (ROA) | 1.2948% | 1,664 |
| Pretax return on assets | 1.6142% | 1,350 |
| Return on Equity (ROE) | 12.8465% | 1,311 |
| Retained earnings to average equity (ytd only) | 8.4807% | 1,665 |
| Net charge-offs to loans | 0.0520% | 1,581 |
| Credit loss provision to net charge-offs | 37.0370% | 2,033 |
| Earnings coverage of net charge-offs (x) | 41.1296% | 1,053 |
| Efficiency ratio | 62.8962% | 3,652 |
| Assets per employee ($millions) | 4.0119% | 3,958 |
| Cash dividends to net income (ytd only)* | 33.9847% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,761 |
| Loan loss allowance to noncurrent loans | 755.5556% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 4,383 |
| Noncurrent loans to loans | 0.1075% | 4,495 |
| Net loans and leases to total assets | 75.5698% | 1,613 |
| Net loans and leases to deposits | 87.0633% | 2,047 |
| Net loans and leases to core deposits | 107.8908% | 1,129 |
| Total domestic deposits to total assets | 86.7986% | 2,207 |
| Equity capital to assets | 10.0258% | 3,570 |
| Core capital (leverage) ratio | 10.1132% | 3,413 |
| Tier 1 risk-based capital ratio | 12.1551% | 4,457 |
| Total risk-based capital ratio | 12.9411% | 4,638 |
| Memoranda: | ||
| Average total assets | $1,090,835,000 | 703 |
| Average earning assets | $1,014,098,000 | 697 |
| Average equity | $109,944,000 | 775 |
| Average total loans | $830,875,500 | 661 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 2,746 |
| Cost of funding earning assets | 0.5243% | 2,147 |
| Net interest margin | 3.6593% | 2,955 |
| Noninterest income to average assets | 0.9827% | 1,061 |
| Noninterest expense to average assets | 2.7025% | 3,118 |
| Loan and lease loss provision to assets | 0.0210% | 3,880 |
| Net operating income to assets | 1.1207% | 1,792 |
| Return on assets (ROA) | 1.1237% | 1,806 |
| Pretax return on assets | 1.6543% | 1,140 |
| Return on Equity (ROE) | 11.0718% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.5630% | 1,791 |
| Net charge-offs to loans | 0.0175% | 3,512 |
| Credit loss provision to net charge-offs | 160.8696% | 1,660 |
| Earnings coverage of net charge-offs (x) | 127.7681% | 533 |
| Efficiency ratio | 61.2633% | 4,062 |
| Assets per employee ($millions) | 3.9360% | 4,066 |
| Cash dividends to net income (ytd only)* | 49.7554% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 4,724 |
| Loan loss allowance to noncurrent loans | 684.7458% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,360 |
| Noncurrent loans to loans | 0.1217% | 4,435 |
| Net loans and leases to total assets | 75.5143% | 1,679 |
| Net loans and leases to deposits | 88.8823% | 1,914 |
| Net loans and leases to core deposits | 108.0922% | 1,125 |
| Total domestic deposits to total assets | 84.9599% | 2,849 |
| Equity capital to assets | 10.1328% | 3,556 |
| Core capital (leverage) ratio | 9.9199% | 3,556 |
| Tier 1 risk-based capital ratio | 12.0404% | 4,499 |
| Total risk-based capital ratio | 12.8388% | 4,685 |
| Memoranda: | ||
| Average total assets | $1,055,251,800 | 700 |
| Average earning assets | $977,795,600 | 696 |
| Average equity | $107,101,000 | 763 |
| Average total loans | $789,304,600 | 665 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 2,836 |
| Cost of funding earning assets | 0.5173% | 2,130 |
| Net interest margin | 3.6226% | 3,060 |
| Noninterest income to average assets | 0.9779% | 1,071 |
| Noninterest expense to average assets | 2.7113% | 3,026 |
| Loan and lease loss provision to assets | 0.0251% | 3,636 |
| Net operating income to assets | 1.0931% | 2,119 |
| Return on assets (ROA) | 1.0972% | 2,156 |
| Pretax return on assets | 1.6004% | 1,419 |
| Return on Equity (ROE) | 10.8060% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.4205% | 2,590 |
| Net charge-offs to loans | 0.0190% | 3,113 |
| Credit loss provision to net charge-offs | 177.4775% | 1,489 |
| Earnings coverage of net charge-offs (x) | 114.7269% | 639 |
| Efficiency ratio | 62.0096% | 3,880 |
| Assets per employee ($millions) | 3.9226% | 4,118 |
| Cash dividends to net income (ytd only)* | 49.8377% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,716 |
| Loan loss allowance to noncurrent loans | 397.3395% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 4,186 |
| Noncurrent loans to loans | 0.2168% | 4,195 |
| Net loans and leases to total assets | 74.0888% | 1,897 |
| Net loans and leases to deposits | 87.4583% | 2,134 |
| Net loans and leases to core deposits | 108.6652% | 1,114 |
| Total domestic deposits to total assets | 84.7134% | 2,831 |
| Equity capital to assets | 10.2210% | 3,674 |
| Core capital (leverage) ratio | 10.0784% | 3,471 |
| Tier 1 risk-based capital ratio | 12.0626% | 4,560 |
| Total risk-based capital ratio | 12.8754% | 4,755 |
| Memoranda: | ||
| Average total assets | $1,048,461,500 | 709 |
| Average earning assets | $970,393,000 | 703 |
| Average equity | $106,456,500 | 770 |
| Average total loans | $780,569,500 | 672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 2,952 |
| Cost of funding earning assets | 0.5024% | 2,147 |
| Net interest margin | 3.5644% | 3,169 |
| Noninterest income to average assets | 0.9847% | 1,055 |
| Noninterest expense to average assets | 2.6906% | 3,118 |
| Loan and lease loss provision to assets | 0.0188% | 3,594 |
| Net operating income to assets | 1.0908% | 2,022 |
| Return on assets (ROA) | 1.0970% | 2,051 |
| Pretax return on assets | 1.5949% | 1,364 |
| Return on Equity (ROE) | 10.8285% | 1,706 |
| Retained earnings to average equity (ytd only) | 5.7145% | 2,280 |
| Net charge-offs to loans | 0.0062% | 3,237 |
| Credit loss provision to net charge-offs | 408.3333% | 776 |
| Earnings coverage of net charge-offs (x) | 348.4583% | 242 |
| Efficiency ratio | 61.9209% | 3,996 |
| Assets per employee ($millions) | 3.8102% | 4,260 |
| Cash dividends to net income (ytd only)* | 47.2276% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,770 |
| Loan loss allowance to noncurrent loans | 502.4176% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 4,414 |
| Noncurrent loans to loans | 0.1722% | 4,432 |
| Net loans and leases to total assets | 75.2531% | 1,655 |
| Net loans and leases to deposits | 89.4776% | 1,804 |
| Net loans and leases to core deposits | 107.7077% | 1,121 |
| Total domestic deposits to total assets | 84.1028% | 3,156 |
| Equity capital to assets | 10.3489% | 3,514 |
| Core capital (leverage) ratio | 10.0564% | 3,463 |
| Tier 1 risk-based capital ratio | 12.1980% | 4,491 |
| Total risk-based capital ratio | 13.0280% | 4,668 |
| Memoranda: | ||
| Average total assets | $1,042,302,670 | 720 |
| Average earning assets | $968,083,670 | 708 |
| Average equity | $105,591,330 | 779 |
| Average total loans | $774,975,330 | 679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,061 |
| Cost of funding earning assets | 0.4883% | 2,180 |
| Net interest margin | 3.5048% | 3,255 |
| Noninterest income to average assets | 0.9514% | 1,102 |
| Noninterest expense to average assets | 2.7070% | 3,118 |
| Loan and lease loss provision to assets | 0.0280% | 3,207 |
| Net operating income to assets | 1.0073% | 2,274 |
| Return on assets (ROA) | 1.0155% | 2,295 |
| Pretax return on assets | 1.4787% | 1,610 |
| Return on Equity (ROE) | 10.1336% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.3846% | 3,232 |
| Net charge-offs to loans | 0.0037% | 2,846 |
| Credit loss provision to net charge-offs | 1,042.8571% | 302 |
| Earnings coverage of net charge-offs (x) | 556.0000% | 99 |
| Efficiency ratio | 63.6837% | 3,891 |
| Assets per employee ($millions) | 3.8499% | 4,261 |
| Cash dividends to net income (ytd only)* | 56.7322% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,807 |
| Loan loss allowance to noncurrent loans | 479.0210% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,385 |
| Noncurrent loans to loans | 0.1852% | 4,459 |
| Net loans and leases to total assets | 73.0937% | 1,896 |
| Net loans and leases to deposits | 85.3559% | 2,106 |
| Net loans and leases to core deposits | 103.2911% | 1,270 |
| Total domestic deposits to total assets | 85.6340% | 2,822 |
| Equity capital to assets | 10.0297% | 3,718 |
| Core capital (leverage) ratio | 9.9391% | 3,581 |
| Tier 1 risk-based capital ratio | 12.2199% | 4,568 |
| Total risk-based capital ratio | 13.0663% | 4,744 |
| Memoranda: | ||
| Average total assets | $1,041,451,500 | 721 |
| Average earning assets | $965,885,000 | 712 |
| Average equity | $104,365,500 | 784 |
| Average total loans | $766,211,000 | 691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,146 |
| Cost of funding earning assets | 0.4528% | 2,516 |
| Net interest margin | 3.5606% | 3,217 |
| Noninterest income to average assets | 1.0256% | 1,078 |
| Noninterest expense to average assets | 2.7186% | 3,284 |
| Loan and lease loss provision to assets | 0.1116% | 2,197 |
| Net operating income to assets | 1.0337% | 2,213 |
| Return on assets (ROA) | 1.0741% | 2,119 |
| Pretax return on assets | 1.5609% | 1,397 |
| Return on Equity (ROE) | 10.4249% | 1,797 |
| Retained earnings to average equity (ytd only) | 4.6263% | 2,609 |
| Net charge-offs to loans | 0.0544% | 2,950 |
| Credit loss provision to net charge-offs | 284.5178% | 1,028 |
| Earnings coverage of net charge-offs (x) | 41.1371% | 1,157 |
| Efficiency ratio | 62.0056% | 4,249 |
| Assets per employee ($millions) | 3.7939% | 4,318 |
| Cash dividends to net income (ytd only)* | 55.6225% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,807 |
| Loan loss allowance to noncurrent loans | 490.1734% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 4,482 |
| Noncurrent loans to loans | 0.1821% | 4,508 |
| Net loans and leases to total assets | 72.7381% | 2,056 |
| Net loans and leases to deposits | 89.3023% | 1,761 |
| Net loans and leases to core deposits | 102.6837% | 1,396 |
| Total domestic deposits to total assets | 81.4516% | 4,218 |
| Equity capital to assets | 10.0125% | 3,710 |
| Core capital (leverage) ratio | 9.7525% | 3,801 |
| Tier 1 risk-based capital ratio | 11.9114% | 4,788 |
| Total risk-based capital ratio | 12.7371% | 4,967 |
| Memoranda: | ||
| Average total assets | $1,004,236,400 | 721 |
| Average earning assets | $932,703,400 | 709 |
| Average equity | $103,473,400 | 764 |
| Average total loans | $724,812,000 | 696 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 3,232 |
| Cost of funding earning assets | 0.4527% | 2,531 |
| Net interest margin | 3.5476% | 3,284 |
| Noninterest income to average assets | 1.0323% | 1,070 |
| Noninterest expense to average assets | 2.7394% | 3,223 |
| Loan and lease loss provision to assets | 0.1236% | 1,885 |
| Net operating income to assets | 1.0127% | 2,375 |
| Return on assets (ROA) | 1.0592% | 2,277 |
| Pretax return on assets | 1.5313% | 1,607 |
| Return on Equity (ROE) | 10.2045% | 1,971 |
| Retained earnings to average equity (ytd only) | 4.4028% | 3,204 |
| Net charge-offs to loans | 0.0687% | 2,341 |
| Credit loss provision to net charge-offs | 250.4065% | 1,195 |
| Earnings coverage of net charge-offs (x) | 32.1516% | 1,421 |
| Efficiency ratio | 62.5607% | 4,131 |
| Assets per employee ($millions) | 3.8216% | 4,267 |
| Cash dividends to net income (ytd only)* | 56.8541% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,890 |
| Loan loss allowance to noncurrent loans | 584.0989% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 4,447 |
| Noncurrent loans to loans | 0.1532% | 4,737 |
| Net loans and leases to total assets | 71.4789% | 2,266 |
| Net loans and leases to deposits | 87.2800% | 2,108 |
| Net loans and leases to core deposits | 94.3572% | 2,161 |
| Total domestic deposits to total assets | 81.8961% | 3,963 |
| Equity capital to assets | 10.3092% | 3,791 |
| Core capital (leverage) ratio | 9.8590% | 3,742 |
| Tier 1 risk-based capital ratio | 11.6240% | 5,021 |
| Total risk-based capital ratio | 12.4222% | 5,184 |
| Memoranda: | ||
| Average total assets | $996,365,000 | 730 |
| Average earning assets | $925,325,000 | 716 |
| Average equity | $103,416,250 | 768 |
| Average total loans | $715,977,750 | 702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 3,316 |
| Cost of funding earning assets | 0.4453% | 2,616 |
| Net interest margin | 3.5321% | 3,362 |
| Noninterest income to average assets | 1.0171% | 1,078 |
| Noninterest expense to average assets | 2.7440% | 3,224 |
| Loan and lease loss provision to assets | 0.1248% | 1,830 |
| Net operating income to assets | 0.9911% | 2,429 |
| Return on assets (ROA) | 1.0548% | 2,273 |
| Pretax return on assets | 1.5243% | 1,602 |
| Return on Equity (ROE) | 10.1389% | 1,990 |
| Retained earnings to average equity (ytd only) | 4.2963% | 3,186 |
| Net charge-offs to loans | 0.0508% | 2,477 |
| Credit loss provision to net charge-offs | 342.2222% | 867 |
| Earnings coverage of net charge-offs (x) | 42.6833% | 1,112 |
| Efficiency ratio | 63.0406% | 4,171 |
| Assets per employee ($millions) | 3.8086% | 4,250 |
| Cash dividends to net income (ytd only)* | 57.6258% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,997 |
| Loan loss allowance to noncurrent loans | 424.9346% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 4,381 |
| Noncurrent loans to loans | 0.2088% | 4,605 |
| Net loans and leases to total assets | 72.3991% | 2,106 |
| Net loans and leases to deposits | 90.2507% | 1,726 |
| Net loans and leases to core deposits | 95.1001% | 2,057 |
| Total domestic deposits to total assets | 80.2200% | 4,491 |
| Equity capital to assets | 10.4201% | 3,714 |
| Core capital (leverage) ratio | 9.8848% | 3,705 |
| Tier 1 risk-based capital ratio | 11.5023% | 5,153 |
| Total risk-based capital ratio | 12.2876% | 5,324 |
| Memoranda: | ||
| Average total assets | $987,094,670 | 736 |
| Average earning assets | $917,654,000 | 720 |
| Average equity | $102,693,670 | 775 |
| Average total loans | $708,409,670 | 707 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 3,488 |
| Cost of funding earning assets | 0.4373% | 2,702 |
| Net interest margin | 3.4865% | 3,523 |
| Noninterest income to average assets | 0.9949% | 1,088 |
| Noninterest expense to average assets | 2.8348% | 2,937 |
| Loan and lease loss provision to assets | 0.1131% | 1,850 |
| Net operating income to assets | 0.8989% | 2,760 |
| Return on assets (ROA) | 0.9312% | 2,704 |
| Pretax return on assets | 1.3345% | 2,164 |
| Return on Equity (ROE) | 8.9580% | 2,445 |
| Retained earnings to average equity (ytd only) | 3.0672% | 3,975 |
| Net charge-offs to loans | 0.0281% | 2,377 |
| Credit loss provision to net charge-offs | 565.3061% | 551 |
| Earnings coverage of net charge-offs (x) | 70.0612% | 698 |
| Efficiency ratio | 66.1366% | 3,778 |
| Assets per employee ($millions) | 3.7465% | 4,399 |
| Cash dividends to net income (ytd only)* | 65.7606% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 5,098 |
| Loan loss allowance to noncurrent loans | 313.7793% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 4,332 |
| Noncurrent loans to loans | 0.2830% | 4,416 |
| Net loans and leases to total assets | 70.9127% | 2,204 |
| Net loans and leases to deposits | 87.8164% | 1,852 |
| Net loans and leases to core deposits | 91.8750% | 2,198 |
| Total domestic deposits to total assets | 80.7511% | 4,565 |
| Equity capital to assets | 10.3958% | 3,620 |
| Core capital (leverage) ratio | 10.0437% | 3,480 |
| Tier 1 risk-based capital ratio | 11.5814% | 5,183 |
| Total risk-based capital ratio | 12.3593% | 5,359 |
| Memoranda: | ||
| Average total assets | $979,808,500 | 739 |
| Average earning assets | $910,948,000 | 728 |
| Average equity | $101,853,000 | 783 |
| Average total loans | $696,769,000 | 721 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 3,907 |
| Cost of funding earning assets | 0.4125% | 3,028 |
| Net interest margin | 3.4310% | 3,791 |
| Noninterest income to average assets | 1.0568% | 1,056 |
| Noninterest expense to average assets | 2.7692% | 3,354 |
| Loan and lease loss provision to assets | 0.0665% | 2,957 |
| Net operating income to assets | 0.9817% | 2,458 |
| Return on assets (ROA) | 1.0061% | 2,423 |
| Pretax return on assets | 1.4326% | 1,776 |
| Return on Equity (ROE) | 9.4827% | 2,228 |
| Retained earnings to average equity (ytd only) | 3.2405% | 3,747 |
| Net charge-offs to loans | 0.0744% | 2,765 |
| Credit loss provision to net charge-offs | 132.1353% | 1,980 |
| Earnings coverage of net charge-offs (x) | 29.0761% | 1,486 |
| Efficiency ratio | 64.5985% | 4,152 |
| Assets per employee ($millions) | 3.6624% | 4,541 |
| Cash dividends to net income (ytd only)* | 65.8271% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,144 |
| Loan loss allowance to noncurrent loans | 296.7663% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,255 |
| Noncurrent loans to loans | 0.2976% | 4,391 |
| Net loans and leases to total assets | 70.0450% | 2,360 |
| Net loans and leases to deposits | 88.0466% | 1,870 |
| Net loans and leases to core deposits | 92.3494% | 2,185 |
| Total domestic deposits to total assets | 79.5545% | 4,853 |
| Equity capital to assets | 10.3945% | 3,496 |
| Core capital (leverage) ratio | 10.1244% | 3,360 |
| Tier 1 risk-based capital ratio | 11.8659% | 5,034 |
| Total risk-based capital ratio | 12.6384% | 5,215 |
| Memoranda: | ||
| Average total assets | $939,179,400 | 733 |
| Average earning assets | $869,609,200 | 728 |
| Average equity | $99,644,400 | 772 |
| Average total loans | $635,668,600 | 738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 4,000 |
| Cost of funding earning assets | 0.4123% | 3,095 |
| Net interest margin | 3.4176% | 3,880 |
| Noninterest income to average assets | 1.0519% | 1,082 |
| Noninterest expense to average assets | 2.7696% | 3,307 |
| Loan and lease loss provision to assets | 0.0773% | 2,637 |
| Net operating income to assets | 0.9649% | 2,643 |
| Return on assets (ROA) | 0.9981% | 2,569 |
| Pretax return on assets | 1.4131% | 1,964 |
| Return on Equity (ROE) | 9.3580% | 2,379 |
| Retained earnings to average equity (ytd only) | 3.0227% | 4,290 |
| Net charge-offs to loans | 0.0599% | 2,744 |
| Credit loss provision to net charge-offs | 192.8571% | 1,375 |
| Earnings coverage of net charge-offs (x) | 36.0147% | 1,335 |
| Efficiency ratio | 64.9134% | 4,083 |
| Assets per employee ($millions) | 3.5977% | 4,613 |
| Cash dividends to net income (ytd only)* | 67.6994% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,893 |
| Loan loss allowance to noncurrent loans | 268.7446% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 4,308 |
| Noncurrent loans to loans | 0.3611% | 4,322 |
| Net loans and leases to total assets | 66.9949% | 2,850 |
| Net loans and leases to deposits | 81.7952% | 2,664 |
| Net loans and leases to core deposits | 86.2609% | 2,826 |
| Total domestic deposits to total assets | 81.9056% | 4,192 |
| Equity capital to assets | 10.7401% | 3,317 |
| Core capital (leverage) ratio | 10.2242% | 3,341 |
| Tier 1 risk-based capital ratio | 12.3806% | 4,836 |
| Total risk-based capital ratio | 13.2077% | 5,026 |
| Memoranda: | ||
| Average total assets | $931,337,000 | 743 |
| Average earning assets | $861,474,500 | 742 |
| Average equity | $99,334,500 | 778 |
| Average total loans | $623,116,250 | 755 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,035 |
| Cost of funding earning assets | 0.4021% | 3,257 |
| Net interest margin | 3.4052% | 3,893 |
| Noninterest income to average assets | 1.0362% | 1,104 |
| Noninterest expense to average assets | 2.7623% | 3,374 |
| Loan and lease loss provision to assets | 0.0640% | 2,841 |
| Net operating income to assets | 0.9605% | 2,583 |
| Return on assets (ROA) | 0.9981% | 2,510 |
| Pretax return on assets | 1.4139% | 1,916 |
| Return on Equity (ROE) | 9.3797% | 2,347 |
| Retained earnings to average equity (ytd only) | 2.8635% | 4,213 |
| Net charge-offs to loans | 0.0888% | 2,144 |
| Credit loss provision to net charge-offs | 108.0000% | 1,947 |
| Earnings coverage of net charge-offs (x) | 24.0618% | 1,581 |
| Efficiency ratio | 65.1427% | 4,166 |
| Assets per employee ($millions) | 3.6612% | 4,512 |
| Cash dividends to net income (ytd only)* | 69.4714% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 5,078 |
| Loan loss allowance to noncurrent loans | 193.5031% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 4,131 |
| Noncurrent loans to loans | 0.4936% | 3,991 |
| Net loans and leases to total assets | 66.3578% | 2,890 |
| Net loans and leases to deposits | 80.6170% | 2,708 |
| Net loans and leases to core deposits | 85.0352% | 2,876 |
| Total domestic deposits to total assets | 82.3124% | 4,187 |
| Equity capital to assets | 10.6951% | 3,217 |
| Core capital (leverage) ratio | 10.1746% | 3,368 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,835 |
| Total risk-based capital ratio | 13.2738% | 5,034 |
| Memoranda: | ||
| Average total assets | $928,786,670 | 752 |
| Average earning assets | $859,442,330 | 749 |
| Average equity | $98,830,000 | 784 |
| Average total loans | $619,075,330 | 764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,101 |
| Cost of funding earning assets | 0.3988% | 3,319 |
| Net interest margin | 3.3793% | 3,920 |
| Noninterest income to average assets | 1.0120% | 1,094 |
| Noninterest expense to average assets | 2.8046% | 3,238 |
| Loan and lease loss provision to assets | 0.0490% | 2,950 |
| Net operating income to assets | 0.9095% | 2,700 |
| Return on assets (ROA) | 0.9428% | 2,678 |
| Pretax return on assets | 1.3324% | 2,144 |
| Return on Equity (ROE) | 8.8825% | 2,505 |
| Retained earnings to average equity (ytd only) | 2.9257% | 4,216 |
| Net charge-offs to loans | 0.0272% | 2,630 |
| Credit loss provision to net charge-offs | 271.4286% | 877 |
| Earnings coverage of net charge-offs (x) | 73.8810% | 629 |
| Efficiency ratio | 66.9160% | 4,000 |
| Assets per employee ($millions) | 3.6127% | 4,697 |
| Cash dividends to net income (ytd only)* | 67.0620% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,159 |
| Loan loss allowance to noncurrent loans | 246.5759% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 4,513 |
| Noncurrent loans to loans | 0.3943% | 4,411 |
| Net loans and leases to total assets | 65.0573% | 2,926 |
| Net loans and leases to deposits | 78.3226% | 2,760 |
| Net loans and leases to core deposits | 81.9607% | 2,969 |
| Total domestic deposits to total assets | 83.0632% | 4,163 |
| Equity capital to assets | 10.6437% | 3,380 |
| Core capital (leverage) ratio | 10.2063% | 3,334 |
| Tier 1 risk-based capital ratio | 12.4926% | 4,912 |
| Total risk-based capital ratio | 13.3170% | 5,099 |
| Memoranda: | ||
| Average total assets | $930,036,000 | 748 |
| Average earning assets | $860,658,000 | 747 |
| Average equity | $98,711,500 | 785 |
| Average total loans | $618,317,500 | 757 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 4,350 |
| Cost of funding earning assets | 0.4293% | 3,388 |
| Net interest margin | 3.4107% | 4,155 |
| Noninterest income to average assets | 0.9843% | 1,250 |
| Noninterest expense to average assets | 2.5860% | 4,270 |
| Loan and lease loss provision to assets | 0.1276% | 2,058 |
| Net operating income to assets | 1.0128% | 2,325 |
| Return on assets (ROA) | 1.0504% | 2,231 |
| Pretax return on assets | 1.4860% | 1,597 |
| Return on Equity (ROE) | 10.2922% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.2834% | 3,140 |
| Net charge-offs to loans | 0.0803% | 3,342 |
| Credit loss provision to net charge-offs | 248.1250% | 1,025 |
| Earnings coverage of net charge-offs (x) | 30.3542% | 1,322 |
| Efficiency ratio | 61.1232% | 5,046 |
| Assets per employee ($millions) | 3.5553% | 4,809 |
| Cash dividends to net income (ytd only)* | 58.3826% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 5,294 |
| Loan loss allowance to noncurrent loans | 346.3343% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 4,826 |
| Noncurrent loans to loans | 0.2741% | 4,871 |
| Net loans and leases to total assets | 66.6411% | 2,784 |
| Net loans and leases to deposits | 80.7525% | 2,630 |
| Net loans and leases to core deposits | 84.7596% | 2,812 |
| Total domestic deposits to total assets | 82.5252% | 4,239 |
| Equity capital to assets | 10.5833% | 3,385 |
| Core capital (leverage) ratio | 10.0087% | 3,562 |
| Tier 1 risk-based capital ratio | 13.4589% | 4,439 |
| Total risk-based capital ratio | 14.3526% | 4,579 |
| Memoranda: | ||
| Average total assets | $933,576,800 | 715 |
| Average earning assets | $865,589,600 | 709 |
| Average equity | $95,275,800 | 774 |
| Average total loans | $597,470,800 | 737 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,529 |
| Cost of funding earning assets | 0.4314% | 3,451 |
| Net interest margin | 3.3729% | 4,339 |
| Noninterest income to average assets | 0.9537% | 1,355 |
| Noninterest expense to average assets | 2.5744% | 4,274 |
| Loan and lease loss provision to assets | 0.1644% | 1,508 |
| Net operating income to assets | 0.9548% | 2,661 |
| Return on assets (ROA) | 1.0048% | 2,496 |
| Pretax return on assets | 1.4144% | 1,952 |
| Return on Equity (ROE) | 9.9367% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.6535% | 3,321 |
| Net charge-offs to loans | 0.0974% | 2,833 |
| Credit loss provision to net charge-offs | 267.1296% | 999 |
| Earnings coverage of net charge-offs (x) | 24.5091% | 1,542 |
| Efficiency ratio | 61.7978% | 4,913 |
| Assets per employee ($millions) | 3.5970% | 4,682 |
| Cash dividends to net income (ytd only)* | 53.1689% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 5,336 |
| Loan loss allowance to noncurrent loans | 362.0563% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 5,000 |
| Noncurrent loans to loans | 0.2685% | 5,111 |
| Net loans and leases to total assets | 66.2262% | 2,819 |
| Net loans and leases to deposits | 80.8534% | 2,570 |
| Net loans and leases to core deposits | 85.0645% | 2,767 |
| Total domestic deposits to total assets | 81.9089% | 4,508 |
| Equity capital to assets | 10.6109% | 3,421 |
| Core capital (leverage) ratio | 9.9939% | 3,685 |
| Tier 1 risk-based capital ratio | 13.5385% | 4,514 |
| Total risk-based capital ratio | 14.4464% | 4,668 |
| Memoranda: | ||
| Average total assets | $935,874,500 | 718 |
| Average earning assets | $868,236,750 | 706 |
| Average equity | $94,637,000 | 779 |
| Average total loans | $591,357,000 | 747 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,747 |
| Cost of funding earning assets | 0.4372% | 3,471 |
| Net interest margin | 3.2985% | 4,589 |
| Noninterest income to average assets | 0.9133% | 1,451 |
| Noninterest expense to average assets | 2.4894% | 4,610 |
| Loan and lease loss provision to assets | 0.1847% | 1,328 |
| Net operating income to assets | 0.9249% | 2,680 |
| Return on assets (ROA) | 0.9703% | 2,539 |
| Pretax return on assets | 1.3614% | 2,031 |
| Return on Equity (ROE) | 9.7495% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.8449% | 3,732 |
| Net charge-offs to loans | 0.1376% | 2,293 |
| Credit loss provision to net charge-offs | 216.3772% | 1,098 |
| Earnings coverage of net charge-offs (x) | 17.3672% | 1,741 |
| Efficiency ratio | 61.4023% | 5,092 |
| Assets per employee ($millions) | 3.6590% | 4,532 |
| Cash dividends to net income (ytd only)* | 60.5631% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 5,578 |
| Loan loss allowance to noncurrent loans | 426.7521% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 5,141 |
| Noncurrent loans to loans | 0.2220% | 5,340 |
| Net loans and leases to total assets | 63.4673% | 3,166 |
| Net loans and leases to deposits | 77.7686% | 2,833 |
| Net loans and leases to core deposits | 82.2597% | 2,940 |
| Total domestic deposits to total assets | 81.6105% | 4,779 |
| Equity capital to assets | 10.2164% | 3,804 |
| Core capital (leverage) ratio | 9.5346% | 4,275 |
| Tier 1 risk-based capital ratio | 13.3795% | 4,660 |
| Total risk-based capital ratio | 14.2536% | 4,845 |
| Memoranda: | ||
| Average total assets | $944,484,330 | 710 |
| Average earning assets | $875,661,330 | 697 |
| Average equity | $93,994,670 | 776 |
| Average total loans | $585,608,000 | 746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,913 |
| Cost of funding earning assets | 0.4287% | 3,659 |
| Net interest margin | 3.2526% | 4,733 |
| Noninterest income to average assets | 0.8449% | 1,584 |
| Noninterest expense to average assets | 2.5131% | 4,579 |
| Loan and lease loss provision to assets | 0.1802% | 1,336 |
| Net operating income to assets | 0.7982% | 3,165 |
| Return on assets (ROA) | 0.8331% | 3,061 |
| Pretax return on assets | 1.2178% | 2,403 |
| Return on Equity (ROE) | 8.4817% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.1601% | 4,741 |
| Net charge-offs to loans | 0.2050% | 1,519 |
| Credit loss provision to net charge-offs | 144.1077% | 1,291 |
| Earnings coverage of net charge-offs (x) | 10.7710% | 1,835 |
| Efficiency ratio | 63.8019% | 4,889 |
| Assets per employee ($millions) | 3.8286% | 4,270 |
| Cash dividends to net income (ytd only)* | 74.5326% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 5,827 |
| Loan loss allowance to noncurrent loans | 203.6329% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 4,733 |
| Noncurrent loans to loans | 0.4486% | 4,806 |
| Net loans and leases to total assets | 60.8275% | 3,427 |
| Net loans and leases to deposits | 73.0362% | 3,197 |
| Net loans and leases to core deposits | 77.3573% | 3,268 |
| Total domestic deposits to total assets | 83.2841% | 4,506 |
| Equity capital to assets | 9.8185% | 4,076 |
| Core capital (leverage) ratio | 9.4394% | 4,362 |
| Tier 1 risk-based capital ratio | 13.2777% | 4,836 |
| Total risk-based capital ratio | 14.1072% | 5,030 |
| Memoranda: | ||
| Average total assets | $950,206,000 | 714 |
| Average earning assets | $880,780,000 | 698 |
| Average equity | $93,330,500 | 781 |
| Average total loans | $579,492,500 | 755 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 5,374 |
| Cost of funding earning assets | 0.5946% | 2,715 |
| Net interest margin | 3.0167% | 5,542 |
| Noninterest income to average assets | 1.0102% | 1,374 |
| Noninterest expense to average assets | 2.4825% | 4,824 |
| Loan and lease loss provision to assets | 0.0913% | 3,278 |
| Net operating income to assets | 0.8776% | 2,896 |
| Return on assets (ROA) | 0.9370% | 2,695 |
| Pretax return on assets | 1.3102% | 2,107 |
| Return on Equity (ROE) | 9.4329% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.3293% | 2,395 |
| Net charge-offs to loans | 0.1716% | 3,110 |
| Credit loss provision to net charge-offs | 96.6216% | 2,589 |
| Earnings coverage of net charge-offs (x) | 13.9572% | 1,975 |
| Efficiency ratio | 64.4093% | 4,834 |
| Assets per employee ($millions) | 3.7886% | 4,288 |
| Cash dividends to net income (ytd only)* | 43.5030% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,923 |
| Loan loss allowance to noncurrent loans | 156.0228% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 4,524 |
| Noncurrent loans to loans | 0.5778% | 4,538 |
| Net loans and leases to total assets | 60.0380% | 3,715 |
| Net loans and leases to deposits | 73.4979% | 3,329 |
| Net loans and leases to core deposits | 78.5376% | 3,295 |
| Total domestic deposits to total assets | 81.6868% | 4,980 |
| Equity capital to assets | 9.8258% | 3,994 |
| Core capital (leverage) ratio | 9.3994% | 4,411 |
| Tier 1 risk-based capital ratio | 13.2864% | 4,799 |
| Total risk-based capital ratio | 14.1000% | 5,028 |
| Memoranda: | ||
| Average total assets | $939,602,800 | 705 |
| Average earning assets | $869,440,200 | 690 |
| Average equity | $93,332,800 | 753 |
| Average total loans | $517,348,600 | 824 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 5,468 |
| Cost of funding earning assets | 0.6284% | 2,565 |
| Net interest margin | 2.9618% | 5,679 |
| Noninterest income to average assets | 1.0218% | 1,393 |
| Noninterest expense to average assets | 2.4795% | 4,788 |
| Loan and lease loss provision to assets | 0.0828% | 3,411 |
| Net operating income to assets | 0.8532% | 3,085 |
| Return on assets (ROA) | 0.9271% | 2,815 |
| Pretax return on assets | 1.3007% | 2,325 |
| Return on Equity (ROE) | 9.3081% | 2,487 |
| Retained earnings to average equity (ytd only) | 5.1928% | 2,938 |
| Net charge-offs to loans | 0.2058% | 2,591 |
| Credit loss provision to net charge-offs | 75.0000% | 2,964 |
| Earnings coverage of net charge-offs (x) | 11.5838% | 2,222 |
| Efficiency ratio | 65.0776% | 4,632 |
| Assets per employee ($millions) | 3.7283% | 4,395 |
| Cash dividends to net income (ytd only)* | 44.2124% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 5,882 |
| Loan loss allowance to noncurrent loans | 172.9711% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 4,747 |
| Noncurrent loans to loans | 0.5557% | 4,810 |
| Net loans and leases to total assets | 55.8297% | 4,345 |
| Net loans and leases to deposits | 69.4420% | 3,861 |
| Net loans and leases to core deposits | 75.0713% | 3,723 |
| Total domestic deposits to total assets | 80.3977% | 5,391 |
| Equity capital to assets | 9.9475% | 3,972 |
| Core capital (leverage) ratio | 9.5255% | 4,364 |
| Tier 1 risk-based capital ratio | 14.1106% | 4,346 |
| Total risk-based capital ratio | 14.9517% | 4,584 |
| Memoranda: | ||
| Average total assets | $936,771,250 | 710 |
| Average earning assets | $865,711,500 | 692 |
| Average equity | $93,307,000 | 756 |
| Average total loans | $502,657,500 | 843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 5,536 |
| Cost of funding earning assets | 0.6395% | 2,591 |
| Net interest margin | 2.9275% | 5,730 |
| Noninterest income to average assets | 1.0354% | 1,423 |
| Noninterest expense to average assets | 2.4402% | 4,928 |
| Loan and lease loss provision to assets | 0.0594% | 3,816 |
| Net operating income to assets | 0.8747% | 2,932 |
| Return on assets (ROA) | 0.9651% | 2,637 |
| Pretax return on assets | 1.3651% | 2,063 |
| Return on Equity (ROE) | 9.6853% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.5412% | 2,715 |
| Net charge-offs to loans | 0.0831% | 3,537 |
| Credit loss provision to net charge-offs | 135.4369% | 1,671 |
| Earnings coverage of net charge-offs (x) | 29.5825% | 1,158 |
| Efficiency ratio | 64.4037% | 4,811 |
| Assets per employee ($millions) | 3.6754% | 4,456 |
| Cash dividends to net income (ytd only)* | 42.7878% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,593 |
| Loan loss allowance to noncurrent loans | 114.9273% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,496 |
| Noncurrent loans to loans | 0.9198% | 4,086 |
| Net loans and leases to total assets | 53.7406% | 4,626 |
| Net loans and leases to deposits | 66.2032% | 4,244 |
| Net loans and leases to core deposits | 72.2372% | 4,008 |
| Total domestic deposits to total assets | 81.1753% | 5,296 |
| Equity capital to assets | 9.9148% | 4,025 |
| Core capital (leverage) ratio | 9.2077% | 4,688 |
| Tier 1 risk-based capital ratio | 14.4096% | 4,154 |
| Total risk-based capital ratio | 15.3273% | 4,330 |
| Memoranda: | ||
| Average total assets | $939,578,000 | 708 |
| Average earning assets | $867,215,000 | 691 |
| Average equity | $93,626,670 | 753 |
| Average total loans | $495,768,000 | 853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 5,625 |
| Cost of funding earning assets | 0.6477% | 2,680 |
| Net interest margin | 2.8849% | 5,842 |
| Noninterest income to average assets | 1.0758% | 1,281 |
| Noninterest expense to average assets | 2.4951% | 4,772 |
| Loan and lease loss provision to assets | 0.0705% | 3,454 |
| Net operating income to assets | 0.8135% | 3,085 |
| Return on assets (ROA) | 0.8788% | 2,906 |
| Pretax return on assets | 1.2568% | 2,388 |
| Return on Equity (ROE) | 8.7978% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.5742% | 3,493 |
| Net charge-offs to loans | 0.0381% | 3,493 |
| Credit loss provision to net charge-offs | 355.3191% | 699 |
| Earnings coverage of net charge-offs (x) | 62.2340% | 576 |
| Efficiency ratio | 66.0256% | 4,655 |
| Assets per employee ($millions) | 3.8593% | 4,234 |
| Cash dividends to net income (ytd only)* | 48.0077% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,600 |
| Loan loss allowance to noncurrent loans | 116.5540% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 4,580 |
| Noncurrent loans to loans | 0.9457% | 4,251 |
| Net loans and leases to total assets | 50.5046% | 4,917 |
| Net loans and leases to deposits | 61.9883% | 4,548 |
| Net loans and leases to core deposits | 67.5358% | 4,356 |
| Total domestic deposits to total assets | 81.4744% | 5,371 |
| Equity capital to assets | 9.9931% | 4,161 |
| Core capital (leverage) ratio | 9.0137% | 4,858 |
| Tier 1 risk-based capital ratio | 14.3791% | 4,254 |
| Total risk-based capital ratio | 15.3175% | 4,418 |
| Memoranda: | ||
| Average total assets | $948,098,500 | 711 |
| Average earning assets | $871,992,500 | 695 |
| Average equity | $94,706,000 | 755 |
| Average total loans | $493,115,000 | 858 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 5,748 |
| Cost of funding earning assets | 0.8028% | 2,644 |
| Net interest margin | 3.0333% | 5,969 |
| Noninterest income to average assets | 0.9980% | 1,539 |
| Noninterest expense to average assets | 2.4018% | 5,401 |
| Loan and lease loss provision to assets | 0.0788% | 4,721 |
| Net operating income to assets | 0.9514% | 2,539 |
| Return on assets (ROA) | 1.0169% | 2,483 |
| Pretax return on assets | 1.4192% | 1,965 |
| Return on Equity (ROE) | 10.3519% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.1433% | 1,995 |
| Net charge-offs to loans | 0.1215% | 4,474 |
| Credit loss provision to net charge-offs | 121.9835% | 2,341 |
| Earnings coverage of net charge-offs (x) | 21.7686% | 1,288 |
| Efficiency ratio | 62.1844% | 5,205 |
| Assets per employee ($millions) | 3.8178% | 4,330 |
| Cash dividends to net income (ytd only)* | 40.6555% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,802 |
| Loan loss allowance to noncurrent loans | 108.1797% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 4,585 |
| Noncurrent loans to loans | 0.9631% | 4,271 |
| Net loans and leases to total assets | 52.4052% | 4,865 |
| Net loans and leases to deposits | 64.9087% | 4,440 |
| Net loans and leases to core deposits | 71.0762% | 4,158 |
| Total domestic deposits to total assets | 80.7368% | 5,473 |
| Equity capital to assets | 9.9850% | 4,191 |
| Core capital (leverage) ratio | 8.9230% | 5,013 |
| Tier 1 risk-based capital ratio | 13.8451% | 4,497 |
| Total risk-based capital ratio | 14.7398% | 4,715 |
| Memoranda: | ||
| Average total assets | $936,046,400 | 703 |
| Average earning assets | $867,385,400 | 688 |
| Average equity | $91,954,400 | 761 |
| Average total loans | $498,106,200 | 829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 5,815 |
| Cost of funding earning assets | 0.8220% | 2,757 |
| Net interest margin | 3.0673% | 6,022 |
| Noninterest income to average assets | 0.9598% | 1,641 |
| Noninterest expense to average assets | 2.3675% | 5,494 |
| Loan and lease loss provision to assets | 0.0631% | 4,920 |
| Net operating income to assets | 0.9868% | 2,576 |
| Return on assets (ROA) | 1.0072% | 2,698 |
| Pretax return on assets | 1.4055% | 2,216 |
| Return on Equity (ROE) | 10.2960% | 2,214 |
| Retained earnings to average equity (ytd only) | 6.0176% | 2,690 |
| Net charge-offs to loans | 0.1070% | 4,318 |
| Credit loss provision to net charge-offs | 110.7769% | 2,646 |
| Earnings coverage of net charge-offs (x) | 25.2680% | 1,254 |
| Efficiency ratio | 61.2981% | 5,263 |
| Assets per employee ($millions) | 3.7291% | 4,476 |
| Cash dividends to net income (ytd only)* | 41.5544% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 5,910 |
| Loan loss allowance to noncurrent loans | 97.5860% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 4,461 |
| Noncurrent loans to loans | 1.0708% | 4,301 |
| Net loans and leases to total assets | 52.7817% | 4,944 |
| Net loans and leases to deposits | 66.0592% | 4,466 |
| Net loans and leases to core deposits | 72.6439% | 4,177 |
| Total domestic deposits to total assets | 79.9007% | 5,678 |
| Equity capital to assets | 10.2347% | 4,156 |
| Core capital (leverage) ratio | 8.8377% | 5,285 |
| Tier 1 risk-based capital ratio | 13.9649% | 4,555 |
| Total risk-based capital ratio | 15.3798% | 4,392 |
| Memoranda: | ||
| Average total assets | $933,355,250 | 711 |
| Average earning assets | $866,593,000 | 693 |
| Average equity | $91,308,250 | 771 |
| Average total loans | $497,282,250 | 834 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 5,894 |
| Cost of funding earning assets | 0.8350% | 2,907 |
| Net interest margin | 3.0716% | 6,071 |
| Noninterest income to average assets | 0.9219% | 1,703 |
| Noninterest expense to average assets | 2.3598% | 5,594 |
| Loan and lease loss provision to assets | 0.0439% | 5,131 |
| Net operating income to assets | 0.9771% | 2,559 |
| Return on assets (ROA) | 1.0027% | 2,668 |
| Pretax return on assets | 1.4060% | 2,177 |
| Return on Equity (ROE) | 10.4074% | 2,212 |
| Retained earnings to average equity (ytd only) | 6.0008% | 2,715 |
| Net charge-offs to loans | 0.1046% | 4,127 |
| Credit loss provision to net charge-offs | 78.9272% | 3,350 |
| Earnings coverage of net charge-offs (x) | 25.3908% | 1,200 |
| Efficiency ratio | 61.6520% | 5,302 |
| Assets per employee ($millions) | 3.8390% | 4,222 |
| Cash dividends to net income (ytd only)* | 42.3404% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,117 |
| Loan loss allowance to noncurrent loans | 102.9225% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 4,639 |
| Noncurrent loans to loans | 0.9818% | 4,547 |
| Net loans and leases to total assets | 52.2377% | 5,068 |
| Net loans and leases to deposits | 65.6739% | 4,542 |
| Net loans and leases to core deposits | 73.0641% | 4,160 |
| Total domestic deposits to total assets | 79.5410% | 5,852 |
| Equity capital to assets | 9.7704% | 4,667 |
| Core capital (leverage) ratio | 8.5902% | 5,533 |
| Tier 1 risk-based capital ratio | 13.5043% | 4,820 |
| Total risk-based capital ratio | 14.8800% | 4,689 |
| Memoranda: | ||
| Average total assets | $937,442,000 | 708 |
| Average earning assets | $870,371,000 | 693 |
| Average equity | $90,320,670 | 772 |
| Average total loans | $499,275,000 | 830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 5,995 |
| Cost of funding earning assets | 0.8311% | 3,214 |
| Net interest margin | 3.0782% | 6,111 |
| Noninterest income to average assets | 0.8484% | 1,952 |
| Noninterest expense to average assets | 2.3924% | 5,500 |
| Loan and lease loss provision to assets | 0.0548% | 4,719 |
| Net operating income to assets | 0.8947% | 2,944 |
| Return on assets (ROA) | 0.9461% | 2,923 |
| Pretax return on assets | 1.3320% | 2,418 |
| Return on Equity (ROE) | 9.8898% | 2,437 |
| Retained earnings to average equity (ytd only) | 4.9650% | 3,574 |
| Net charge-offs to loans | 0.0536% | 3,965 |
| Credit loss provision to net charge-offs | 191.0448% | 1,382 |
| Earnings coverage of net charge-offs (x) | 45.8060% | 676 |
| Efficiency ratio | 63.6395% | 4,994 |
| Assets per employee ($millions) | 3.7798% | 4,470 |
| Cash dividends to net income (ytd only)* | 49.7963% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 6,103 |
| Loan loss allowance to noncurrent loans | 176.2573% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 5,184 |
| Noncurrent loans to loans | 0.5926% | 5,475 |
| Net loans and leases to total assets | 51.6526% | 5,067 |
| Net loans and leases to deposits | 63.8063% | 4,662 |
| Net loans and leases to core deposits | 70.8996% | 4,308 |
| Total domestic deposits to total assets | 80.9522% | 5,619 |
| Equity capital to assets | 9.4727% | 4,849 |
| Core capital (leverage) ratio | 8.4700% | 5,645 |
| Tier 1 risk-based capital ratio | 13.3049% | 4,973 |
| Total risk-based capital ratio | 14.7088% | 4,847 |
| Memoranda: | ||
| Average total assets | $933,963,500 | 710 |
| Average earning assets | $867,259,500 | 693 |
| Average equity | $89,345,000 | 778 |
| Average total loans | $499,728,500 | 830 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 5,638 |
| Cost of funding earning assets | 1.0493% | 3,022 |
| Net interest margin | 3.2886% | 5,842 |
| Noninterest income to average assets | 0.6943% | 2,634 |
| Noninterest expense to average assets | 2.3800% | 5,828 |
| Loan and lease loss provision to assets | 0.1879% | 4,304 |
| Net operating income to assets | 0.8758% | 2,714 |
| Return on assets (ROA) | 0.9172% | 2,651 |
| Pretax return on assets | 1.2263% | 2,365 |
| Return on Equity (ROE) | 9.9656% | 2,069 |
| Retained earnings to average equity (ytd only) | 5.2042% | 2,505 |
| Net charge-offs to loans | 0.4553% | 3,163 |
| Credit loss provision to net charge-offs | 73.6052% | 4,713 |
| Earnings coverage of net charge-offs (x) | 5.3236% | 2,832 |
| Efficiency ratio | 62.7403% | 5,343 |
| Assets per employee ($millions) | 3.5363% | 4,925 |
| Cash dividends to net income (ytd only)* | 47.7783% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 6,195 |
| Loan loss allowance to noncurrent loans | 238.9019% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,414 |
| Noncurrent loans to loans | 0.4210% | 5,868 |
| Net loans and leases to total assets | 54.2942% | 4,992 |
| Net loans and leases to deposits | 67.6860% | 4,485 |
| Net loans and leases to core deposits | 74.7802% | 4,137 |
| Total domestic deposits to total assets | 80.2148% | 5,680 |
| Equity capital to assets | 9.6620% | 4,658 |
| Core capital (leverage) ratio | 8.4798% | 5,596 |
| Tier 1 risk-based capital ratio | 12.9926% | 5,072 |
| Total risk-based capital ratio | 14.3727% | 4,949 |
| Memoranda: | ||
| Average total assets | $912,770,400 | 717 |
| Average earning assets | $845,078,000 | 695 |
| Average equity | $84,009,200 | 796 |
| Average total loans | $511,737,000 | 815 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 5,857 |
| Cost of funding earning assets | 1.0846% | 3,080 |
| Net interest margin | 3.2430% | 6,037 |
| Noninterest income to average assets | 0.5969% | 3,182 |
| Noninterest expense to average assets | 2.3838% | 5,809 |
| Loan and lease loss provision to assets | 0.2229% | 3,783 |
| Net operating income to assets | 0.7551% | 3,364 |
| Return on assets (ROA) | 0.8112% | 3,270 |
| Pretax return on assets | 1.0667% | 3,144 |
| Return on Equity (ROE) | 8.9266% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.4133% | 3,585 |
| Net charge-offs to loans | 0.5431% | 2,608 |
| Credit loss provision to net charge-offs | 72.8230% | 4,384 |
| Earnings coverage of net charge-offs (x) | 3.9713% | 3,231 |
| Efficiency ratio | 65.2722% | 4,854 |
| Assets per employee ($millions) | 3.6899% | 4,557 |
| Cash dividends to net income (ytd only)* | 50.5597% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 6,185 |
| Loan loss allowance to noncurrent loans | 76.7324% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 4,462 |
| Noncurrent loans to loans | 1.3247% | 4,323 |
| Net loans and leases to total assets | 55.1198% | 4,977 |
| Net loans and leases to deposits | 69.4390% | 4,396 |
| Net loans and leases to core deposits | 76.7465% | 4,089 |
| Total domestic deposits to total assets | 79.3787% | 5,892 |
| Equity capital to assets | 9.7068% | 4,772 |
| Core capital (leverage) ratio | 8.4053% | 5,842 |
| Tier 1 risk-based capital ratio | 12.4897% | 5,491 |
| Total risk-based capital ratio | 14.3533% | 4,998 |
| Memoranda: | ||
| Average total assets | $910,218,250 | 724 |
| Average earning assets | $842,791,750 | 706 |
| Average equity | $82,717,000 | 817 |
| Average total loans | $513,117,500 | 824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 5,743 |
| Cost of funding earning assets | 1.1113% | 3,160 |
| Net interest margin | 3.2755% | 5,926 |
| Noninterest income to average assets | 0.5765% | 3,292 |
| Noninterest expense to average assets | 2.3746% | 5,921 |
| Loan and lease loss provision to assets | 0.3137% | 2,912 |
| Net operating income to assets | 0.7079% | 3,500 |
| Return on assets (ROA) | 0.7708% | 3,331 |
| Pretax return on assets | 1.0019% | 3,232 |
| Return on Equity (ROE) | 8.6777% | 2,643 |
| Retained earnings to average equity (ytd only) | 3.9817% | 3,665 |
| Net charge-offs to loans | 0.6384% | 2,240 |
| Credit loss provision to net charge-offs | 86.8165% | 3,560 |
| Earnings coverage of net charge-offs (x) | 3.4149% | 3,181 |
| Efficiency ratio | 64.8558% | 5,082 |
| Assets per employee ($millions) | 3.6874% | 4,481 |
| Cash dividends to net income (ytd only)* | 54.1156% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 6,017 |
| Loan loss allowance to noncurrent loans | 61.8549% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3740% | 4,160 |
| Noncurrent loans to loans | 1.7532% | 3,819 |
| Net loans and leases to total assets | 55.4196% | 5,081 |
| Net loans and leases to deposits | 69.2216% | 4,535 |
| Net loans and leases to core deposits | 76.8670% | 4,203 |
| Total domestic deposits to total assets | 80.0612% | 5,806 |
| Equity capital to assets | 9.2081% | 5,271 |
| Core capital (leverage) ratio | 8.1632% | 6,084 |
| Tier 1 risk-based capital ratio | 12.2650% | 5,554 |
| Total risk-based capital ratio | 15.6628% | 3,828 |
| Memoranda: | ||
| Average total assets | $911,055,330 | 729 |
| Average earning assets | $843,350,670 | 713 |
| Average equity | $80,919,670 | 828 |
| Average total loans | $515,668,670 | 832 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 5,109 |
| Cost of funding earning assets | 1.1340% | 3,275 |
| Net interest margin | 3.4298% | 5,303 |
| Noninterest income to average assets | 0.4342% | 4,420 |
| Noninterest expense to average assets | 2.3702% | 5,982 |
| Loan and lease loss provision to assets | 0.3375% | 2,535 |
| Net operating income to assets | 0.7354% | 3,344 |
| Return on assets (ROA) | 0.8569% | 2,813 |
| Pretax return on assets | 1.0471% | 2,956 |
| Return on Equity (ROE) | 9.8263% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.3142% | 2,995 |
| Net charge-offs to loans | 0.5580% | 2,095 |
| Credit loss provision to net charge-offs | 106.3361% | 2,510 |
| Earnings coverage of net charge-offs (x) | 3.8953% | 2,607 |
| Efficiency ratio | 64.7715% | 5,221 |
| Assets per employee ($millions) | 3.7255% | 4,487 |
| Cash dividends to net income (ytd only)* | 45.9184% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,969 |
| Loan loss allowance to noncurrent loans | 180.8805% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 5,365 |
| Noncurrent loans to loans | 0.6196% | 5,792 |
| Net loans and leases to total assets | 54.9299% | 5,171 |
| Net loans and leases to deposits | 68.4804% | 4,612 |
| Net loans and leases to core deposits | 76.0798% | 4,290 |
| Total domestic deposits to total assets | 80.2126% | 5,888 |
| Equity capital to assets | 8.7246% | 5,616 |
| Core capital (leverage) ratio | 8.1544% | 6,043 |
| Tier 1 risk-based capital ratio | 11.9062% | 5,775 |
| Total risk-based capital ratio | 15.2764% | 4,034 |
| Memoranda: | ||
| Average total assets | $914,874,000 | 733 |
| Average earning assets | $846,223,500 | 716 |
| Average equity | $79,785,500 | 836 |
| Average total loans | $520,423,000 | 835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 4,982 |
| Cost of funding earning assets | 1.4243% | 3,108 |
| Net interest margin | 3.4849% | 5,308 |
| Noninterest income to average assets | 0.8242% | 2,172 |
| Noninterest expense to average assets | 2.5127% | 5,745 |
| Loan and lease loss provision to assets | 0.6064% | 2,708 |
| Net operating income to assets | 0.6952% | 3,245 |
| Return on assets (ROA) | 0.7769% | 3,020 |
| Pretax return on assets | 1.0388% | 2,815 |
| Return on Equity (ROE) | 8.6216% | 2,456 |
| Retained earnings to average equity (ytd only) | 3.3074% | 3,555 |
| Net charge-offs to loans | 1.0243% | 2,148 |
| Credit loss provision to net charge-offs | 94.6330% | 4,910 |
| Earnings coverage of net charge-offs (x) | 2.3975% | 3,933 |
| Efficiency ratio | 61.3950% | 5,832 |
| Assets per employee ($millions) | 3.6526% | 4,574 |
| Cash dividends to net income (ytd only)* | 61.6388% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 6,019 |
| Loan loss allowance to noncurrent loans | 96.8432% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 4,728 |
| Noncurrent loans to loans | 1.1168% | 4,870 |
| Net loans and leases to total assets | 57.6135% | 5,080 |
| Net loans and leases to deposits | 72.0322% | 4,511 |
| Net loans and leases to core deposits | 79.9843% | 4,223 |
| Total domestic deposits to total assets | 79.9830% | 5,837 |
| Equity capital to assets | 8.7172% | 5,557 |
| Core capital (leverage) ratio | 8.0890% | 6,041 |
| Tier 1 risk-based capital ratio | 11.5646% | 5,851 |
| Total risk-based capital ratio | 14.8821% | 4,082 |
| Memoranda: | ||
| Average total assets | $878,111,800 | 771 |
| Average earning assets | $812,581,400 | 747 |
| Average equity | $79,126,600 | 833 |
| Average total loans | $549,325,600 | 819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 4,825 |
| Cost of funding earning assets | 1.4786% | 3,096 |
| Net interest margin | 3.5188% | 5,220 |
| Noninterest income to average assets | 0.7914% | 2,280 |
| Noninterest expense to average assets | 2.5063% | 5,698 |
| Loan and lease loss provision to assets | 0.7461% | 2,051 |
| Net operating income to assets | 0.6020% | 3,873 |
| Return on assets (ROA) | 0.7132% | 3,508 |
| Pretax return on assets | 0.9418% | 3,401 |
| Return on Equity (ROE) | 7.8481% | 2,973 |
| Retained earnings to average equity (ytd only) | 2.6189% | 4,582 |
| Net charge-offs to loans | 0.9320% | 2,129 |
| Credit loss provision to net charge-offs | 125.7091% | 3,254 |
| Earnings coverage of net charge-offs (x) | 2.5975% | 3,851 |
| Efficiency ratio | 61.3218% | 5,734 |
| Assets per employee ($millions) | 3.5827% | 4,773 |
| Cash dividends to net income (ytd only)* | 66.6309% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 5,060 |
| Loan loss allowance to noncurrent loans | 58.3604% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 4,020 |
| Noncurrent loans to loans | 2.1951% | 3,453 |
| Net loans and leases to total assets | 60.0286% | 4,907 |
| Net loans and leases to deposits | 75.6757% | 4,231 |
| Net loans and leases to core deposits | 84.8158% | 3,834 |
| Total domestic deposits to total assets | 79.3235% | 5,925 |
| Equity capital to assets | 9.0274% | 5,543 |
| Core capital (leverage) ratio | 8.0708% | 6,245 |
| Tier 1 risk-based capital ratio | 11.1650% | 6,227 |
| Total risk-based capital ratio | 14.6272% | 4,260 |
| Memoranda: | ||
| Average total assets | $871,181,250 | 775 |
| Average earning assets | $806,250,750 | 756 |
| Average equity | $79,167,500 | 831 |
| Average total loans | $554,759,750 | 814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 4,639 |
| Cost of funding earning assets | 1.5263% | 3,097 |
| Net interest margin | 3.5388% | 5,099 |
| Noninterest income to average assets | 0.7489% | 2,401 |
| Noninterest expense to average assets | 2.5388% | 5,577 |
| Loan and lease loss provision to assets | 0.8528% | 1,707 |
| Net operating income to assets | 0.4957% | 4,346 |
| Return on assets (ROA) | 0.5894% | 4,063 |
| Pretax return on assets | 0.7514% | 4,061 |
| Return on Equity (ROE) | 6.4716% | 3,564 |
| Retained earnings to average equity (ytd only) | 0.7261% | 5,472 |
| Net charge-offs to loans | 0.7485% | 2,366 |
| Credit loss provision to net charge-offs | 176.1745% | 2,224 |
| Earnings coverage of net charge-offs (x) | 3.0657% | 3,471 |
| Efficiency ratio | 62.6536% | 5,580 |
| Assets per employee ($millions) | 3.5179% | 4,879 |
| Cash dividends to net income (ytd only)* | 88.7795% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,467 |
| Loan loss allowance to noncurrent loans | 61.5341% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6220% | 4,010 |
| Noncurrent loans to loans | 2.2611% | 3,415 |
| Net loans and leases to total assets | 62.4705% | 4,590 |
| Net loans and leases to deposits | 79.6312% | 3,662 |
| Net loans and leases to core deposits | 89.2109% | 3,384 |
| Total domestic deposits to total assets | 78.4498% | 6,164 |
| Equity capital to assets | 9.1464% | 5,223 |
| Core capital (leverage) ratio | 8.2479% | 5,858 |
| Tier 1 risk-based capital ratio | 11.2427% | 6,007 |
| Total risk-based capital ratio | 14.8414% | 3,969 |
| Memoranda: | ||
| Average total assets | $861,824,000 | 784 |
| Average earning assets | $797,341,330 | 766 |
| Average equity | $78,497,000 | 832 |
| Average total loans | $557,408,330 | 819 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 4,134 |
| Cost of funding earning assets | 1.5545% | 3,239 |
| Net interest margin | 3.6251% | 4,599 |
| Noninterest income to average assets | 0.7222% | 2,450 |
| Noninterest expense to average assets | 2.6962% | 4,923 |
| Loan and lease loss provision to assets | 0.7844% | 1,611 |
| Net operating income to assets | 0.4733% | 4,519 |
| Return on assets (ROA) | 0.5695% | 4,178 |
| Pretax return on assets | 0.7162% | 4,179 |
| Return on Equity (ROE) | 6.2658% | 3,742 |
| Retained earnings to average equity (ytd only) | 1.6699% | 5,101 |
| Net charge-offs to loans | 0.1612% | 3,959 |
| Credit loss provision to net charge-offs | 744.4934% | 615 |
| Earnings coverage of net charge-offs (x) | 13.1013% | 1,521 |
| Efficiency ratio | 65.6951% | 5,183 |
| Assets per employee ($millions) | 3.5235% | 4,978 |
| Cash dividends to net income (ytd only)* | 73.3496% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,719 |
| Loan loss allowance to noncurrent loans | 48.2810% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 1.9141% | 3,611 |
| Noncurrent loans to loans | 2.7816% | 2,876 |
| Net loans and leases to total assets | 63.0610% | 4,522 |
| Net loans and leases to deposits | 80.3187% | 3,601 |
| Net loans and leases to core deposits | 89.3416% | 3,454 |
| Total domestic deposits to total assets | 78.5134% | 6,203 |
| Equity capital to assets | 9.0014% | 5,279 |
| Core capital (leverage) ratio | 8.3587% | 5,627 |
| Tier 1 risk-based capital ratio | 10.9999% | 6,153 |
| Total risk-based capital ratio | 14.4999% | 4,112 |
| Memoranda: | ||
| Average total assets | $861,796,500 | 798 |
| Average earning assets | $797,449,500 | 776 |
| Average equity | $78,330,000 | 841 |
| Average total loans | $563,104,000 | 836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 4,740 |
| Cost of funding earning assets | 1.8268% | 3,849 |
| Net interest margin | 3.5640% | 4,677 |
| Noninterest income to average assets | 0.8076% | 2,370 |
| Noninterest expense to average assets | 2.6311% | 5,665 |
| Loan and lease loss provision to assets | 0.4319% | 4,238 |
| Net operating income to assets | 0.7700% | 2,635 |
| Return on assets (ROA) | 0.7906% | 2,658 |
| Pretax return on assets | 1.0721% | 2,336 |
| Return on Equity (ROE) | 8.4780% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.3493% | 2,825 |
| Net charge-offs to loans | 0.5412% | 3,627 |
| Credit loss provision to net charge-offs | 116.7706% | 4,642 |
| Earnings coverage of net charge-offs (x) | 3.9908% | 3,114 |
| Efficiency ratio | 63.5958% | 5,849 |
| Assets per employee ($millions) | 3.3996% | 5,259 |
| Cash dividends to net income (ytd only)* | 60.4944% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 6,112 |
| Loan loss allowance to noncurrent loans | 42.5315% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.8241% | 3,636 |
| Noncurrent loans to loans | 2.4786% | 3,068 |
| Net loans and leases to total assets | 66.0862% | 4,125 |
| Net loans and leases to deposits | 83.3640% | 3,388 |
| Net loans and leases to core deposits | 100.3783% | 3,958 |
| Total domestic deposits to total assets | 79.2742% | 5,910 |
| Equity capital to assets | 9.1786% | 4,873 |
| Core capital (leverage) ratio | 8.4749% | 5,314 |
| Tier 1 risk-based capital ratio | 10.8515% | 6,063 |
| Total risk-based capital ratio | 14.0994% | 4,198 |
| Memoranda: | ||
| Average total assets | $823,776,600 | 828 |
| Average earning assets | $762,664,400 | 816 |
| Average equity | $76,822,400 | 843 |
| Average total loans | $562,963,800 | 850 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 4,707 |
| Cost of funding earning assets | 1.8768% | 4,008 |
| Net interest margin | 3.5686% | 4,597 |
| Noninterest income to average assets | 0.8300% | 2,290 |
| Noninterest expense to average assets | 2.7029% | 5,314 |
| Loan and lease loss provision to assets | 0.5179% | 3,315 |
| Net operating income to assets | 0.6849% | 3,263 |
| Return on assets (ROA) | 0.7029% | 3,254 |
| Pretax return on assets | 0.9420% | 3,089 |
| Return on Equity (ROE) | 7.5065% | 2,867 |
| Retained earnings to average equity (ytd only) | 2.4836% | 3,936 |
| Net charge-offs to loans | 0.2901% | 4,221 |
| Credit loss provision to net charge-offs | 259.7052% | 1,646 |
| Earnings coverage of net charge-offs (x) | 7.2006% | 2,452 |
| Efficiency ratio | 64.8410% | 5,581 |
| Assets per employee ($millions) | 3.2888% | 5,430 |
| Cash dividends to net income (ytd only)* | 66.9145% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,329 |
| Loan loss allowance to noncurrent loans | 42.5397% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.2748% | 3,011 |
| Noncurrent loans to loans | 3.1218% | 2,418 |
| Net loans and leases to total assets | 67.0296% | 4,180 |
| Net loans and leases to deposits | 86.0785% | 3,302 |
| Net loans and leases to core deposits | 102.6370% | 4,088 |
| Total domestic deposits to total assets | 77.8704% | 6,121 |
| Equity capital to assets | 9.4429% | 4,820 |
| Core capital (leverage) ratio | 8.5729% | 5,343 |
| Tier 1 risk-based capital ratio | 10.9789% | 5,973 |
| Total risk-based capital ratio | 14.5567% | 3,930 |
| Memoranda: | ||
| Average total assets | $816,396,750 | 849 |
| Average earning assets | $756,956,250 | 827 |
| Average equity | $76,447,750 | 856 |
| Average total loans | $561,225,000 | 869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 4,431 |
| Cost of funding earning assets | 1.9269% | 4,123 |
| Net interest margin | 3.6049% | 4,339 |
| Noninterest income to average assets | 0.8289% | 2,277 |
| Noninterest expense to average assets | 2.7427% | 5,210 |
| Loan and lease loss provision to assets | 0.4269% | 3,414 |
| Net operating income to assets | 0.7372% | 3,106 |
| Return on assets (ROA) | 0.7640% | 3,101 |
| Pretax return on assets | 1.0340% | 2,866 |
| Return on Equity (ROE) | 8.1820% | 2,702 |
| Retained earnings to average equity (ytd only) | 2.8625% | 3,734 |
| Net charge-offs to loans | 0.3025% | 3,673 |
| Credit loss provision to net charge-offs | 204.4759% | 2,226 |
| Earnings coverage of net charge-offs (x) | 6.8245% | 2,541 |
| Efficiency ratio | 65.3528% | 5,649 |
| Assets per employee ($millions) | 3.1536% | 5,712 |
| Cash dividends to net income (ytd only)* | 65.0145% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,339 |
| Loan loss allowance to noncurrent loans | 46.5646% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.8654% | 3,380 |
| Noncurrent loans to loans | 2.4449% | 2,955 |
| Net loans and leases to total assets | 68.9386% | 3,959 |
| Net loans and leases to deposits | 88.4661% | 3,093 |
| Net loans and leases to core deposits | 104.8253% | 3,976 |
| Total domestic deposits to total assets | 77.9265% | 6,092 |
| Equity capital to assets | 9.4704% | 4,648 |
| Core capital (leverage) ratio | 8.4366% | 5,552 |
| Tier 1 risk-based capital ratio | 10.9249% | 5,961 |
| Total risk-based capital ratio | 14.3328% | 3,998 |
| Memoranda: | ||
| Average total assets | $813,370,000 | 864 |
| Average earning assets | $753,244,670 | 848 |
| Average equity | $75,947,330 | 873 |
| Average total loans | $561,379,670 | 893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 5,010 |
| Cost of funding earning assets | 1.9293% | 4,493 |
| Net interest margin | 3.5522% | 4,518 |
| Noninterest income to average assets | 0.8435% | 2,108 |
| Noninterest expense to average assets | 2.7561% | 4,752 |
| Loan and lease loss provision to assets | 0.3223% | 3,394 |
| Net operating income to assets | 0.7828% | 3,202 |
| Return on assets (ROA) | 0.8255% | 3,179 |
| Pretax return on assets | 1.1110% | 2,945 |
| Return on Equity (ROE) | 8.9027% | 2,761 |
| Retained earnings to average equity (ytd only) | 3.8395% | 3,756 |
| Net charge-offs to loans | 0.1595% | 3,688 |
| Credit loss provision to net charge-offs | 294.1964% | 1,651 |
| Earnings coverage of net charge-offs (x) | 12.5580% | 1,794 |
| Efficiency ratio | 66.2445% | 5,282 |
| Assets per employee ($millions) | 3.2311% | 5,513 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,700 |
| Loan loss allowance to noncurrent loans | 37.6372% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 1.9575% | 2,966 |
| Noncurrent loans to loans | 2.8370% | 2,308 |
| Net loans and leases to total assets | 66.1878% | 4,545 |
| Net loans and leases to deposits | 85.2852% | 3,759 |
| Net loans and leases to core deposits | 99.2694% | 4,613 |
| Total domestic deposits to total assets | 77.6076% | 6,128 |
| Equity capital to assets | 9.1781% | 5,112 |
| Core capital (leverage) ratio | 8.4793% | 5,579 |
| Tier 1 risk-based capital ratio | 10.9090% | 5,980 |
| Total risk-based capital ratio | 14.2512% | 4,108 |
| Memoranda: | ||
| Average total assets | $817,977,000 | 866 |
| Average earning assets | $757,172,000 | 843 |
| Average equity | $75,842,500 | 878 |
| Average total loans | $561,690,500 | 895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9797% | 5,643 |
| Cost of funding earning assets | 2.5671% | 3,867 |
| Net interest margin | 3.4125% | 5,605 |
| Noninterest income to average assets | 0.7611% | 2,716 |
| Noninterest expense to average assets | 2.5665% | 5,764 |
| Loan and lease loss provision to assets | 0.2238% | 4,649 |
| Net operating income to assets | 0.8173% | 3,358 |
| Return on assets (ROA) | 0.8187% | 3,196 |
| Pretax return on assets | 1.1046% | 3,011 |
| Return on Equity (ROE) | 8.8309% | 2,700 |
| Retained earnings to average equity (ytd only) | -0.2296% | 5,354 |
| Net charge-offs to loans | 0.4043% | 2,792 |
| Credit loss provision to net charge-offs | 80.8232% | 5,885 |
| Earnings coverage of net charge-offs (x) | 4.7910% | 3,854 |
| Efficiency ratio | 65.4207% | 5,234 |
| Assets per employee ($millions) | 3.1223% | 5,708 |
| Cash dividends to net income (ytd only)* | 102.6002% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,276 |
| Loan loss allowance to noncurrent loans | 34.1450% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 2.0515% | 2,397 |
| Noncurrent loans to loans | 2.8352% | 1,912 |
| Net loans and leases to total assets | 69.8064% | 4,057 |
| Net loans and leases to deposits | 91.3279% | 3,240 |
| Net loans and leases to core deposits | 104.3975% | 4,357 |
| Total domestic deposits to total assets | 76.4349% | 6,136 |
| Equity capital to assets | 9.3687% | 4,859 |
| Core capital (leverage) ratio | 8.5900% | 5,400 |
| Tier 1 risk-based capital ratio | 10.6909% | 6,010 |
| Total risk-based capital ratio | 13.9385% | 4,216 |
| Memoranda: | ||
| Average total assets | $798,547,800 | 846 |
| Average earning assets | $732,884,400 | 833 |
| Average equity | $74,035,800 | 895 |
| Average total loans | $546,850,800 | 871 |