Home > The Merchants National Bank of Sacramento > Performance and Condition Ratios
The Merchants National Bank of Sacramento, Performance and Condition Ratios
| 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 | 2.9119% | 5,259 |
| Cost of funding earning assets | 0.3183% | 4,479 |
| Net interest margin | 2.5936% | 5,157 |
| Noninterest income to average assets | 0.0522% | 5,268 |
| Noninterest expense to average assets | 1.6878% | 5,103 |
| Loan and lease loss provision to assets | 0.0233% | 3,706 |
| Net operating income to assets | 0.6379% | 4,322 |
| Return on assets (ROA) | 0.6368% | 4,327 |
| Pretax return on assets | 0.8598% | 4,007 |
| Return on Equity (ROE) | 6.7329% | 3,917 |
| Retained earnings to average equity (ytd only) | 2.9151% | 3,938 |
| Net charge-offs to loans | -0.0011% | 4,194 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6148% | 2,931 |
| Assets per employee ($millions) | 11.6459% | 221 |
| Cash dividends to net income (ytd only)* | 56.7033% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 40.8294% | 4,914 |
| Net loans and leases to deposits | 45.7297% | 4,991 |
| Net loans and leases to core deposits | 51.5693% | 4,908 |
| Total domestic deposits to total assets | 89.2842% | 742 |
| Equity capital to assets | 9.9878% | 3,693 |
| Core capital (leverage) ratio | 10.6925% | 2,844 |
| Tier 1 risk-based capital ratio | 22.5344% | 965 |
| Total risk-based capital ratio | 23.7858% | 942 |
| Memoranda: | ||
| Average total assets | $214,359,000 | 2,736 |
| Average earning assets | $208,285,600 | 2,648 |
| Average equity | $20,273,600 | 3,067 |
| Average total loans | $87,646,000 | 3,524 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 5,331 |
| Cost of funding earning assets | 0.3139% | 4,421 |
| Net interest margin | 2.5738% | 5,237 |
| Noninterest income to average assets | 0.0557% | 5,328 |
| Noninterest expense to average assets | 1.5904% | 5,215 |
| Loan and lease loss provision to assets | 0.0278% | 3,451 |
| Net operating income to assets | 0.7153% | 4,175 |
| Return on assets (ROA) | 0.7138% | 4,190 |
| Pretax return on assets | 0.9365% | 3,908 |
| Return on Equity (ROE) | 7.6519% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.4174% | 3,000 |
| Net charge-offs to loans | -0.0015% | 4,056 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2066% | 3,478 |
| Assets per employee ($millions) | 11.2295% | 231 |
| Cash dividends to net income (ytd only)* | 29.2026% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 1,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 40.7658% | 5,005 |
| Net loans and leases to deposits | 45.2443% | 5,075 |
| Net loans and leases to core deposits | 51.0995% | 4,990 |
| Total domestic deposits to total assets | 90.1017% | 477 |
| Equity capital to assets | 9.3204% | 4,256 |
| Core capital (leverage) ratio | 10.6837% | 2,900 |
| Tier 1 risk-based capital ratio | 23.1868% | 919 |
| Total risk-based capital ratio | 24.4387% | 893 |
| Memoranda: | ||
| Average total assets | $215,542,250 | 2,742 |
| Average earning assets | $209,436,750 | 2,657 |
| Average equity | $20,107,750 | 3,105 |
| Average total loans | $87,838,750 | 3,550 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8595% | 5,389 |
| Cost of funding earning assets | 0.3120% | 4,332 |
| Net interest margin | 2.5475% | 5,311 |
| Noninterest income to average assets | 0.0629% | 5,372 |
| Noninterest expense to average assets | 1.5832% | 5,283 |
| Loan and lease loss provision to assets | 0.0277% | 3,364 |
| Net operating income to assets | 0.7096% | 4,167 |
| Return on assets (ROA) | 0.7075% | 4,177 |
| Pretax return on assets | 0.9257% | 3,887 |
| Return on Equity (ROE) | 7.5811% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.2325% | 2,964 |
| Net charge-offs to loans | -0.0023% | 3,965 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3452% | 3,581 |
| Assets per employee ($millions) | 11.4838% | 217 |
| Cash dividends to net income (ytd only)* | 30.9804% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 40.8017% | 5,032 |
| Net loans and leases to deposits | 45.1860% | 5,115 |
| Net loans and leases to core deposits | 51.1767% | 5,015 |
| Total domestic deposits to total assets | 90.2971% | 463 |
| Equity capital to assets | 9.0906% | 4,489 |
| Core capital (leverage) ratio | 10.5377% | 2,991 |
| Tier 1 risk-based capital ratio | 22.6769% | 965 |
| Total risk-based capital ratio | 23.9279% | 948 |
| Memoranda: | ||
| Average total assets | $216,269,670 | 2,755 |
| Average earning assets | $210,246,000 | 2,667 |
| Average equity | $20,181,670 | 3,113 |
| Average total loans | $87,698,670 | 3,570 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8473% | 5,435 |
| Cost of funding earning assets | 0.3077% | 4,294 |
| Net interest margin | 2.5397% | 5,362 |
| Noninterest income to average assets | 0.0464% | 5,479 |
| Noninterest expense to average assets | 1.6442% | 5,299 |
| Loan and lease loss provision to assets | 0.0279% | 3,150 |
| Net operating income to assets | 0.6558% | 4,258 |
| Return on assets (ROA) | 0.6558% | 4,269 |
| Pretax return on assets | 0.8434% | 4,042 |
| Return on Equity (ROE) | 6.9369% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.9369% | 2,305 |
| Net charge-offs to loans | -0.0046% | 3,982 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3619% | 3,270 |
| Assets per employee ($millions) | 11.8902% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 40.1961% | 5,064 |
| Net loans and leases to deposits | 46.5595% | 5,085 |
| Net loans and leases to core deposits | 53.7101% | 4,922 |
| Total domestic deposits to total assets | 86.3328% | 2,390 |
| Equity capital to assets | 9.3130% | 4,257 |
| Core capital (leverage) ratio | 10.4568% | 2,999 |
| Tier 1 risk-based capital ratio | 22.8479% | 958 |
| Total risk-based capital ratio | 24.0998% | 938 |
| Memoranda: | ||
| Average total assets | $215,308,500 | 2,793 |
| Average earning assets | $209,320,000 | 2,699 |
| Average equity | $20,355,000 | 3,126 |
| Average total loans | $86,402,000 | 3,624 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7311% | 5,485 |
| Cost of funding earning assets | 0.2230% | 4,765 |
| Net interest margin | 2.5081% | 5,406 |
| Noninterest income to average assets | 0.0648% | 5,498 |
| Noninterest expense to average assets | 1.6372% | 5,381 |
| Loan and lease loss provision to assets | 0.0280% | 3,718 |
| Net operating income to assets | 0.3561% | 4,814 |
| Return on assets (ROA) | 0.3674% | 4,811 |
| Pretax return on assets | 0.8561% | 4,066 |
| Return on Equity (ROE) | 3.7470% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.4218% | 4,436 |
| Net charge-offs to loans | -0.0049% | 4,635 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3939% | 3,363 |
| Assets per employee ($millions) | 12.0330% | 186 |
| Cash dividends to net income (ytd only)* | 62.0558% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 38.9157% | 5,178 |
| Net loans and leases to deposits | 44.3358% | 5,239 |
| Net loans and leases to core deposits | 51.0419% | 5,100 |
| Total domestic deposits to total assets | 87.7748% | 1,617 |
| Equity capital to assets | 9.5931% | 4,151 |
| Core capital (leverage) ratio | 10.4589% | 2,892 |
| Tier 1 risk-based capital ratio | 22.8142% | 933 |
| Total risk-based capital ratio | 24.0656% | 916 |
| Memoranda: | ||
| Average total assets | $214,454,400 | 2,770 |
| Average earning assets | $208,527,600 | 2,682 |
| Average equity | $21,030,200 | 3,033 |
| Average total loans | $82,254,200 | 3,696 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7406% | 5,546 |
| Cost of funding earning assets | 0.2173% | 4,834 |
| Net interest margin | 2.5233% | 5,457 |
| Noninterest income to average assets | 0.0717% | 5,553 |
| Noninterest expense to average assets | 1.6386% | 5,414 |
| Loan and lease loss provision to assets | 0.0280% | 3,570 |
| Net operating income to assets | 0.5889% | 4,426 |
| Return on assets (ROA) | 0.6052% | 4,413 |
| Pretax return on assets | 0.8826% | 4,094 |
| Return on Equity (ROE) | 6.1377% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.5385% | 3,197 |
| Net charge-offs to loans | -0.0065% | 4,511 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8815% | 3,387 |
| Assets per employee ($millions) | 11.6515% | 196 |
| Cash dividends to net income (ytd only)* | 26.0553% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 38.2192% | 5,257 |
| Net loans and leases to deposits | 43.3105% | 5,326 |
| Net loans and leases to core deposits | 49.9253% | 5,201 |
| Total domestic deposits to total assets | 88.2447% | 1,234 |
| Equity capital to assets | 10.3711% | 3,512 |
| Core capital (leverage) ratio | 10.4793% | 3,012 |
| Tier 1 risk-based capital ratio | 25.0982% | 739 |
| Total risk-based capital ratio | 26.3508% | 721 |
| Memoranda: | ||
| Average total assets | $213,919,500 | 2,799 |
| Average earning assets | $208,026,250 | 2,704 |
| Average equity | $21,093,250 | 3,059 |
| Average total loans | $81,436,750 | 3,742 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7249% | 5,589 |
| Cost of funding earning assets | 0.2055% | 4,921 |
| Net interest margin | 2.5194% | 5,495 |
| Noninterest income to average assets | 0.0650% | 5,610 |
| Noninterest expense to average assets | 1.6237% | 5,475 |
| Loan and lease loss provision to assets | 0.0279% | 3,442 |
| Net operating income to assets | 0.6048% | 4,283 |
| Return on assets (ROA) | 0.6093% | 4,303 |
| Pretax return on assets | 0.8685% | 4,042 |
| Return on Equity (ROE) | 6.2853% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.1008% | 3,265 |
| Net charge-offs to loans | -0.0049% | 4,333 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5972% | 3,570 |
| Assets per employee ($millions) | 12.0583% | 172 |
| Cash dividends to net income (ytd only)* | 34.7561% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.8405% | 5,267 |
| Net loans and leases to deposits | 45.7609% | 5,287 |
| Net loans and leases to core deposits | 53.1551% | 5,112 |
| Total domestic deposits to total assets | 84.8771% | 2,854 |
| Equity capital to assets | 9.9452% | 3,979 |
| Core capital (leverage) ratio | 10.2320% | 3,230 |
| Tier 1 risk-based capital ratio | 23.9285% | 858 |
| Total risk-based capital ratio | 25.1806% | 839 |
| Memoranda: | ||
| Average total assets | $215,317,000 | 2,806 |
| Average earning assets | $209,256,670 | 2,707 |
| Average equity | $20,874,000 | 3,074 |
| Average total loans | $81,457,000 | 3,755 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6969% | 5,646 |
| Cost of funding earning assets | 0.1902% | 5,062 |
| Net interest margin | 2.5068% | 5,542 |
| Noninterest income to average assets | 0.0448% | 5,737 |
| Noninterest expense to average assets | 1.6489% | 5,516 |
| Loan and lease loss provision to assets | 0.0280% | 3,208 |
| Net operating income to assets | 0.5781% | 4,246 |
| Return on assets (ROA) | 0.5875% | 4,252 |
| Pretax return on assets | 0.8151% | 4,058 |
| Return on Equity (ROE) | 6.1409% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.1409% | 2,261 |
| Net charge-offs to loans | -0.0050% | 4,187 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5162% | 3,408 |
| Assets per employee ($millions) | 12.6459% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.8174% | 5,375 |
| Net loans and leases to deposits | 41.3171% | 5,430 |
| Net loans and leases to core deposits | 47.3844% | 5,325 |
| Total domestic deposits to total assets | 89.1092% | 1,100 |
| Equity capital to assets | 9.6735% | 4,099 |
| Core capital (leverage) ratio | 10.2935% | 3,120 |
| Tier 1 risk-based capital ratio | 23.9631% | 872 |
| Total risk-based capital ratio | 25.2147% | 853 |
| Memoranda: | ||
| Average total assets | $214,451,000 | 2,837 |
| Average earning assets | $208,236,500 | 2,747 |
| Average equity | $20,518,000 | 3,124 |
| Average total loans | $79,432,500 | 3,823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6338% | 5,717 |
| Cost of funding earning assets | 0.1641% | 5,324 |
| Net interest margin | 2.4697% | 5,601 |
| Noninterest income to average assets | 0.0571% | 5,750 |
| Noninterest expense to average assets | 1.6029% | 5,647 |
| Loan and lease loss provision to assets | 0.0714% | 2,931 |
| Net operating income to assets | 0.5226% | 4,540 |
| Return on assets (ROA) | 0.6372% | 4,168 |
| Pretax return on assets | 0.9628% | 3,606 |
| Return on Equity (ROE) | 6.3459% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.9810% | 3,086 |
| Net charge-offs to loans | -0.0028% | 4,741 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0696% | 3,748 |
| Assets per employee ($millions) | 11.8846% | 176 |
| Cash dividends to net income (ytd only)* | 37.2666% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.1613% | 5,478 |
| Net loans and leases to deposits | 41.3084% | 5,507 |
| Net loans and leases to core deposits | 47.4865% | 5,389 |
| Total domestic deposits to total assets | 87.5399% | 1,854 |
| Equity capital to assets | 9.4614% | 4,309 |
| Core capital (leverage) ratio | 9.9882% | 3,493 |
| Tier 1 risk-based capital ratio | 23.9091% | 874 |
| Total risk-based capital ratio | 25.1606% | 855 |
| Memoranda: | ||
| Average total assets | $210,122,400 | 2,849 |
| Average earning assets | $204,721,800 | 2,741 |
| Average equity | $21,100,400 | 3,058 |
| Average total loans | $71,789,600 | 4,001 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6004% | 5,795 |
| Cost of funding earning assets | 0.1614% | 5,402 |
| Net interest margin | 2.4389% | 5,693 |
| Noninterest income to average assets | 0.0606% | 5,805 |
| Noninterest expense to average assets | 1.6426% | 5,654 |
| Loan and lease loss provision to assets | 0.0765% | 2,696 |
| Net operating income to assets | 0.4883% | 4,735 |
| Return on assets (ROA) | 0.6400% | 4,248 |
| Pretax return on assets | 0.9434% | 3,834 |
| Return on Equity (ROE) | 6.2801% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.8289% | 2,938 |
| Net charge-offs to loans | -0.0019% | 4,492 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3373% | 3,351 |
| Assets per employee ($millions) | 12.0595% | 169 |
| Cash dividends to net income (ytd only)* | 23.1080% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.4061% | 5,644 |
| Net loans and leases to deposits | 37.3644% | 5,693 |
| Net loans and leases to core deposits | 44.0971% | 5,579 |
| Total domestic deposits to total assets | 89.4062% | 721 |
| Equity capital to assets | 10.0760% | 4,061 |
| Core capital (leverage) ratio | 10.1109% | 3,431 |
| Tier 1 risk-based capital ratio | 24.8125% | 833 |
| Total risk-based capital ratio | 26.0649% | 816 |
| Memoranda: | ||
| Average total assets | $209,172,500 | 2,879 |
| Average earning assets | $204,017,500 | 2,762 |
| Average equity | $21,315,500 | 3,063 |
| Average total loans | $70,105,000 | 4,072 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6095% | 5,871 |
| Cost of funding earning assets | 0.1579% | 5,494 |
| Net interest margin | 2.4515% | 5,770 |
| Noninterest income to average assets | 0.0678% | 5,863 |
| Noninterest expense to average assets | 1.6626% | 5,715 |
| Loan and lease loss provision to assets | 0.0872% | 2,401 |
| Net operating income to assets | 0.4898% | 4,718 |
| Return on assets (ROA) | 0.6381% | 4,248 |
| Pretax return on assets | 0.9228% | 3,863 |
| Return on Equity (ROE) | 6.2376% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,332 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6517% | 3,415 |
| Assets per employee ($millions) | 11.9544% | 160 |
| Cash dividends to net income (ytd only)* | 35.2049% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 32.7939% | 5,720 |
| Net loans and leases to deposits | 36.7355% | 5,773 |
| Net loans and leases to core deposits | 42.5168% | 5,666 |
| Total domestic deposits to total assets | 89.2704% | 773 |
| Equity capital to assets | 10.1338% | 4,050 |
| Core capital (leverage) ratio | 10.3574% | 3,125 |
| Tier 1 risk-based capital ratio | 25.0500% | 805 |
| Total risk-based capital ratio | 26.3019% | 793 |
| Memoranda: | ||
| Average total assets | $206,539,670 | 2,917 |
| Average earning assets | $201,344,330 | 2,800 |
| Average equity | $21,130,000 | 3,082 |
| Average total loans | $68,921,670 | 4,114 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6745% | 5,915 |
| Cost of funding earning assets | 0.1565% | 5,561 |
| Net interest margin | 2.5180% | 5,791 |
| Noninterest income to average assets | 0.0554% | 5,951 |
| Noninterest expense to average assets | 1.7169% | 5,736 |
| Loan and lease loss provision to assets | 0.1187% | 1,780 |
| Net operating income to assets | 0.4738% | 4,728 |
| Return on assets (ROA) | 0.5974% | 4,305 |
| Pretax return on assets | 0.8446% | 4,049 |
| Return on Equity (ROE) | 5.8099% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.3290% | 2,752 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5083% | 3,374 |
| Assets per employee ($millions) | 11.4218% | 180 |
| Cash dividends to net income (ytd only)* | 8.2781% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 32.5207% | 5,768 |
| Net loans and leases to deposits | 36.4614% | 5,815 |
| Net loans and leases to core deposits | 42.7190% | 5,695 |
| Total domestic deposits to total assets | 89.1922% | 1,003 |
| Equity capital to assets | 10.2976% | 3,750 |
| Core capital (leverage) ratio | 10.3372% | 3,145 |
| Tier 1 risk-based capital ratio | 24.9581% | 819 |
| Total risk-based capital ratio | 26.2095% | 804 |
| Memoranda: | ||
| Average total assets | $202,219,500 | 2,964 |
| Average earning assets | $196,824,000 | 2,861 |
| Average equity | $20,792,000 | 3,117 |
| Average total loans | $67,545,000 | 4,175 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5801% | 5,972 |
| Cost of funding earning assets | 0.1499% | 5,682 |
| Net interest margin | 2.4302% | 5,873 |
| Noninterest income to average assets | 0.0703% | 5,949 |
| Noninterest expense to average assets | 1.6293% | 5,895 |
| Loan and lease loss provision to assets | -0.0142% | 5,644 |
| Net operating income to assets | 0.5527% | 4,483 |
| Return on assets (ROA) | 0.6919% | 3,963 |
| Pretax return on assets | 1.0286% | 3,355 |
| Return on Equity (ROE) | 6.9419% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.2738% | 2,933 |
| Net charge-offs to loans | 0.1598% | 1,777 |
| Credit loss provision to net charge-offs | -30.5263% | 5,017 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 2,077 |
| Efficiency ratio | 66.8870% | 3,769 |
| Assets per employee ($millions) | 11.6969% | 164 |
| Cash dividends to net income (ytd only)* | 38.4344% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 33.2577% | 5,796 |
| Net loans and leases to deposits | 37.3052% | 5,855 |
| Net loans and leases to core deposits | 43.9892% | 5,714 |
| Total domestic deposits to total assets | 89.1505% | 1,047 |
| Equity capital to assets | 10.2657% | 3,663 |
| Core capital (leverage) ratio | 10.4422% | 2,993 |
| Tier 1 risk-based capital ratio | 25.0333% | 812 |
| Total risk-based capital ratio | 26.2848% | 801 |
| Memoranda: | ||
| Average total assets | $204,930,800 | 2,899 |
| Average earning assets | $199,489,000 | 2,785 |
| Average equity | $20,426,600 | 3,130 |
| Average total loans | $59,452,600 | 4,389 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5756% | 6,055 |
| Cost of funding earning assets | 0.1505% | 5,770 |
| Net interest margin | 2.4251% | 5,961 |
| Noninterest income to average assets | 0.0743% | 6,031 |
| Noninterest expense to average assets | 1.5590% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5928% | 4,418 |
| Return on assets (ROA) | 0.7356% | 3,843 |
| Pretax return on assets | 1.0901% | 3,266 |
| Return on Equity (ROE) | 7.4333% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.0041% | 2,245 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9979% | 4,249 |
| Assets per employee ($millions) | 11.7235% | 158 |
| Cash dividends to net income (ytd only)* | 19.2272% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 1,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.0858% | 5,970 |
| Net loans and leases to deposits | 33.7980% | 6,018 |
| Net loans and leases to core deposits | 39.8468% | 5,921 |
| Total domestic deposits to total assets | 89.0166% | 1,020 |
| Equity capital to assets | 10.4792% | 3,622 |
| Core capital (leverage) ratio | 10.5017% | 3,047 |
| Tier 1 risk-based capital ratio | 27.8451% | 631 |
| Total risk-based capital ratio | 29.0982% | 615 |
| Memoranda: | ||
| Average total assets | $206,451,750 | 2,904 |
| Average earning assets | $201,058,500 | 2,790 |
| Average equity | $20,430,000 | 3,161 |
| Average total loans | $57,528,000 | 4,487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5696% | 6,131 |
| Cost of funding earning assets | 0.1514% | 5,835 |
| Net interest margin | 2.4182% | 6,031 |
| Noninterest income to average assets | 0.0651% | 6,130 |
| Noninterest expense to average assets | 1.5562% | 6,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5862% | 4,412 |
| Return on assets (ROA) | 0.7432% | 3,773 |
| Pretax return on assets | 1.0956% | 3,193 |
| Return on Equity (ROE) | 7.6535% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.5922% | 2,474 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2801% | 4,310 |
| Assets per employee ($millions) | 12.6427% | 131 |
| Cash dividends to net income (ytd only)* | 26.9330% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.0267% | 6,069 |
| Net loans and leases to deposits | 32.4561% | 6,113 |
| Net loans and leases to core deposits | 38.1880% | 6,018 |
| Total domestic deposits to total assets | 89.4336% | 934 |
| Equity capital to assets | 9.9929% | 4,051 |
| Core capital (leverage) ratio | 10.2365% | 3,296 |
| Tier 1 risk-based capital ratio | 28.5558% | 612 |
| Total risk-based capital ratio | 29.8101% | 605 |
| Memoranda: | ||
| Average total assets | $208,835,670 | 2,904 |
| Average earning assets | $203,456,670 | 2,780 |
| Average equity | $20,278,330 | 3,188 |
| Average total loans | $56,336,000 | 4,568 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5090% | 6,221 |
| Cost of funding earning assets | 0.1546% | 5,895 |
| Net interest margin | 2.3543% | 6,123 |
| Noninterest income to average assets | 0.0528% | 6,220 |
| Noninterest expense to average assets | 1.5275% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5536% | 4,466 |
| Return on assets (ROA) | 0.7166% | 3,844 |
| Pretax return on assets | 1.0655% | 3,236 |
| Return on Equity (ROE) | 7.4838% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.4838% | 1,771 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0080% | 4,316 |
| Assets per employee ($millions) | 13.5699% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 25.9368% | 6,184 |
| Net loans and leases to deposits | 29.0251% | 6,208 |
| Net loans and leases to core deposits | 33.9361% | 6,142 |
| Total domestic deposits to total assets | 89.3598% | 1,066 |
| Equity capital to assets | 10.1666% | 3,924 |
| Core capital (leverage) ratio | 9.4443% | 4,361 |
| Tier 1 risk-based capital ratio | 30.1927% | 532 |
| Total risk-based capital ratio | 31.4481% | 525 |
| Memoranda: | ||
| Average total assets | $212,112,000 | 2,886 |
| Average earning assets | $206,938,500 | 2,760 |
| Average equity | $20,310,500 | 3,200 |
| Average total loans | $54,574,500 | 4,648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 6,263 |
| Cost of funding earning assets | 0.1772% | 5,926 |
| Net interest margin | 2.5118% | 6,143 |
| Noninterest income to average assets | 0.0651% | 6,259 |
| Noninterest expense to average assets | 1.6120% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5990% | 4,372 |
| Return on assets (ROA) | 0.7647% | 3,647 |
| Pretax return on assets | 1.1451% | 2,896 |
| Return on Equity (ROE) | 8.2385% | 2,998 |
| Retained earnings to average equity (ytd only) | 5.5011% | 2,257 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2276% | 4,560 |
| Assets per employee ($millions) | 14.7117% | 81 |
| Cash dividends to net income (ytd only)* | 33.2274% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 24.5016% | 6,305 |
| Net loans and leases to deposits | 27.0723% | 6,330 |
| Net loans and leases to core deposits | 31.4913% | 6,286 |
| Total domestic deposits to total assets | 90.5046% | 539 |
| Equity capital to assets | 9.0300% | 5,254 |
| Core capital (leverage) ratio | 9.0199% | 4,968 |
| Tier 1 risk-based capital ratio | 29.1591% | 552 |
| Total risk-based capital ratio | 30.4150% | 541 |
| Memoranda: | ||
| Average total assets | $205,835,200 | 2,924 |
| Average earning assets | $200,333,200 | 2,805 |
| Average equity | $19,105,400 | 3,274 |
| Average total loans | $57,066,400 | 4,580 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7439% | 6,312 |
| Cost of funding earning assets | 0.1817% | 5,982 |
| Net interest margin | 2.5621% | 6,168 |
| Noninterest income to average assets | 0.0719% | 6,328 |
| Noninterest expense to average assets | 1.6399% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6144% | 4,377 |
| Return on assets (ROA) | 0.7837% | 3,603 |
| Pretax return on assets | 1.1768% | 2,879 |
| Return on Equity (ROE) | 8.3807% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.9205% | 1,858 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9568% | 4,548 |
| Assets per employee ($millions) | 14.8187% | 81 |
| Cash dividends to net income (ytd only)* | 17.4241% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 1,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 25.5146% | 6,365 |
| Net loans and leases to deposits | 28.1075% | 6,391 |
| Net loans and leases to core deposits | 32.8007% | 6,345 |
| Total domestic deposits to total assets | 90.7747% | 427 |
| Equity capital to assets | 8.7952% | 5,556 |
| Core capital (leverage) ratio | 8.8341% | 5,289 |
| Tier 1 risk-based capital ratio | 29.3282% | 559 |
| Total risk-based capital ratio | 30.5841% | 543 |
| Memoranda: | ||
| Average total assets | $202,125,250 | 2,989 |
| Average earning assets | $196,604,250 | 2,868 |
| Average equity | $18,900,000 | 3,319 |
| Average total loans | $57,530,000 | 4,610 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 6,298 |
| Cost of funding earning assets | 0.1875% | 6,020 |
| Net interest margin | 2.6612% | 6,098 |
| Noninterest income to average assets | 0.0829% | 6,341 |
| Noninterest expense to average assets | 1.7052% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6443% | 4,129 |
| Return on assets (ROA) | 0.8157% | 3,353 |
| Pretax return on assets | 1.2200% | 2,573 |
| Return on Equity (ROE) | 8.5317% | 2,820 |
| Retained earnings to average equity (ytd only) | 6.3158% | 2,146 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8804% | 4,707 |
| Assets per employee ($millions) | 12.5801% | 118 |
| Cash dividends to net income (ytd only)* | 25.9724% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 1,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.9171% | 6,366 |
| Net loans and leases to deposits | 31.0862% | 6,407 |
| Net loans and leases to core deposits | 37.0484% | 6,305 |
| Total domestic deposits to total assets | 89.8053% | 904 |
| Equity capital to assets | 9.6482% | 4,561 |
| Core capital (leverage) ratio | 10.0142% | 3,589 |
| Tier 1 risk-based capital ratio | 29.2051% | 563 |
| Total risk-based capital ratio | 30.4614% | 550 |
| Memoranda: | ||
| Average total assets | $195,406,670 | 3,083 |
| Average earning assets | $189,916,670 | 2,952 |
| Average equity | $18,683,330 | 3,326 |
| Average total loans | $57,421,000 | 4,642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9151% | 6,316 |
| Cost of funding earning assets | 0.1948% | 6,045 |
| Net interest margin | 2.7204% | 6,083 |
| Noninterest income to average assets | 0.0935% | 6,354 |
| Noninterest expense to average assets | 1.7208% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6836% | 3,763 |
| Return on assets (ROA) | 0.8562% | 2,939 |
| Pretax return on assets | 1.2719% | 2,208 |
| Return on Equity (ROE) | 8.9981% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.9981% | 1,254 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9179% | 5,010 |
| Assets per employee ($millions) | 11.2047% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.6000% | 6,367 |
| Net loans and leases to deposits | 33.0036% | 6,400 |
| Net loans and leases to core deposits | 39.2870% | 6,262 |
| Total domestic deposits to total assets | 89.6871% | 1,251 |
| Equity capital to assets | 9.8247% | 4,069 |
| Core capital (leverage) ratio | 9.9924% | 3,587 |
| Tier 1 risk-based capital ratio | 29.0159% | 574 |
| Total risk-based capital ratio | 30.2725% | 560 |
| Memoranda: | ||
| Average total assets | $192,469,000 | 3,131 |
| Average earning assets | $186,886,500 | 3,009 |
| Average equity | $18,315,000 | 3,382 |
| Average total loans | $57,464,000 | 4,672 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9245% | 6,405 |
| Cost of funding earning assets | 0.2169% | 6,200 |
| Net interest margin | 2.7075% | 6,128 |
| Noninterest income to average assets | 0.0806% | 6,458 |
| Noninterest expense to average assets | 1.6956% | 6,451 |
| Loan and lease loss provision to assets | 0.0308% | 4,496 |
| Net operating income to assets | 0.6705% | 3,934 |
| Return on assets (ROA) | 0.8244% | 3,253 |
| Pretax return on assets | 1.2202% | 2,496 |
| Return on Equity (ROE) | 8.5298% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.7786% | 2,115 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3325% | 5,150 |
| Assets per employee ($millions) | 11.4387% | 155 |
| Cash dividends to net income (ytd only)* | 32.2540% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 1,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 28.9317% | 6,496 |
| Net loans and leases to deposits | 32.0489% | 6,536 |
| Net loans and leases to core deposits | 38.1090% | 6,414 |
| Total domestic deposits to total assets | 90.2735% | 930 |
| Equity capital to assets | 9.2133% | 4,791 |
| Core capital (leverage) ratio | 9.6134% | 4,101 |
| Tier 1 risk-based capital ratio | 28.6088% | 573 |
| Total risk-based capital ratio | 29.8656% | 565 |
| Memoranda: | ||
| Average total assets | $194,802,000 | 3,090 |
| Average earning assets | $189,915,800 | 2,953 |
| Average equity | $18,828,000 | 3,297 |
| Average total loans | $58,978,400 | 4,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 6,481 |
| Cost of funding earning assets | 0.2216% | 6,284 |
| Net interest margin | 2.6958% | 6,184 |
| Noninterest income to average assets | 0.0903% | 6,507 |
| Noninterest expense to average assets | 1.6898% | 6,479 |
| Loan and lease loss provision to assets | 0.0410% | 4,184 |
| Net operating income to assets | 0.6722% | 4,003 |
| Return on assets (ROA) | 0.8182% | 3,381 |
| Pretax return on assets | 1.2048% | 2,670 |
| Return on Equity (ROE) | 8.3681% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.9898% | 1,881 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1071% | 5,123 |
| Assets per employee ($millions) | 11.4321% | 156 |
| Cash dividends to net income (ytd only)* | 16.4715% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9409% | 1,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 29.7130% | 6,543 |
| Net loans and leases to deposits | 32.9853% | 6,593 |
| Net loans and leases to core deposits | 39.0883% | 6,479 |
| Total domestic deposits to total assets | 90.0795% | 950 |
| Equity capital to assets | 9.4553% | 4,607 |
| Core capital (leverage) ratio | 9.8172% | 3,933 |
| Tier 1 risk-based capital ratio | 28.2334% | 617 |
| Total risk-based capital ratio | 29.4900% | 600 |
| Memoranda: | ||
| Average total assets | $194,888,000 | 3,116 |
| Average earning assets | $190,167,500 | 2,971 |
| Average equity | $19,056,000 | 3,308 |
| Average total loans | $59,372,250 | 4,669 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9453% | 6,496 |
| Cost of funding earning assets | 0.2289% | 6,314 |
| Net interest margin | 2.7164% | 6,154 |
| Noninterest income to average assets | 0.1036% | 6,519 |
| Noninterest expense to average assets | 1.6927% | 6,503 |
| Loan and lease loss provision to assets | 0.0615% | 3,779 |
| Net operating income to assets | 0.6798% | 3,907 |
| Return on assets (ROA) | 0.8346% | 3,277 |
| Pretax return on assets | 1.2293% | 2,564 |
| Return on Equity (ROE) | 8.4428% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.3995% | 2,202 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4211% | 5,259 |
| Assets per employee ($millions) | 11.0786% | 171 |
| Cash dividends to net income (ytd only)* | 24.2015% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 2,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 30.7486% | 6,551 |
| Net loans and leases to deposits | 34.3052% | 6,600 |
| Net loans and leases to core deposits | 40.4958% | 6,452 |
| Total domestic deposits to total assets | 89.6324% | 1,244 |
| Equity capital to assets | 9.8016% | 4,182 |
| Core capital (leverage) ratio | 9.6132% | 4,060 |
| Tier 1 risk-based capital ratio | 28.7794% | 588 |
| Total risk-based capital ratio | 30.0369% | 573 |
| Memoranda: | ||
| Average total assets | $195,068,670 | 3,132 |
| Average earning assets | $190,475,000 | 2,984 |
| Average equity | $19,282,670 | 3,295 |
| Average total loans | $59,533,330 | 4,689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 6,591 |
| Cost of funding earning assets | 0.2310% | 6,409 |
| Net interest margin | 2.6869% | 6,236 |
| Noninterest income to average assets | 0.0524% | 6,727 |
| Noninterest expense to average assets | 1.6791% | 6,588 |
| Loan and lease loss provision to assets | 0.0605% | 3,634 |
| Net operating income to assets | 0.6426% | 4,002 |
| Return on assets (ROA) | 0.8003% | 3,298 |
| Pretax return on assets | 1.1712% | 2,681 |
| Return on Equity (ROE) | 8.0634% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.0634% | 1,732 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6787% | 5,206 |
| Assets per employee ($millions) | 10.9806% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 2,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.0491% | 6,606 |
| Net loans and leases to deposits | 33.6028% | 6,650 |
| Net loans and leases to core deposits | 39.4972% | 6,503 |
| Total domestic deposits to total assets | 89.4242% | 1,399 |
| Equity capital to assets | 9.9641% | 4,191 |
| Core capital (leverage) ratio | 9.2733% | 4,449 |
| Tier 1 risk-based capital ratio | 28.0836% | 635 |
| Total risk-based capital ratio | 29.3393% | 622 |
| Memoranda: | ||
| Average total assets | $198,434,500 | 3,113 |
| Average earning assets | $193,975,500 | 2,968 |
| Average equity | $19,694,000 | 3,281 |
| Average total loans | $59,773,000 | 4,719 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2685% | 6,610 |
| Cost of funding earning assets | 0.3486% | 6,224 |
| Net interest margin | 2.9199% | 6,189 |
| Noninterest income to average assets | 0.0598% | 6,657 |
| Noninterest expense to average assets | 1.6651% | 6,752 |
| Loan and lease loss provision to assets | 0.1260% | 4,039 |
| Net operating income to assets | 0.7465% | 3,529 |
| Return on assets (ROA) | 0.9186% | 2,957 |
| Pretax return on assets | 1.3832% | 2,099 |
| Return on Equity (ROE) | 9.1222% | 2,583 |
| Retained earnings to average equity (ytd only) | 6.1405% | 1,997 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1532% | 5,941 |
| Assets per employee ($millions) | 11.0677% | 175 |
| Cash dividends to net income (ytd only)* | 32.6857% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 2,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 29.0926% | 6,729 |
| Net loans and leases to deposits | 32.5861% | 6,773 |
| Net loans and leases to core deposits | 38.0629% | 6,671 |
| Total domestic deposits to total assets | 89.2791% | 1,387 |
| Equity capital to assets | 9.8856% | 4,330 |
| Core capital (leverage) ratio | 9.2538% | 4,494 |
| Tier 1 risk-based capital ratio | 27.7461% | 642 |
| Total risk-based capital ratio | 29.0020% | 629 |
| Memoranda: | ||
| Average total assets | $190,498,000 | 3,171 |
| Average earning assets | $186,169,600 | 3,014 |
| Average equity | $19,184,000 | 3,306 |
| Average total loans | $59,044,600 | 4,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 6,685 |
| Cost of funding earning assets | 0.3709% | 6,269 |
| Net interest margin | 2.9773% | 6,212 |
| Noninterest income to average assets | 0.0630% | 6,757 |
| Noninterest expense to average assets | 1.6574% | 6,821 |
| Loan and lease loss provision to assets | 0.1274% | 3,953 |
| Net operating income to assets | 0.7889% | 3,508 |
| Return on assets (ROA) | 0.9501% | 2,976 |
| Pretax return on assets | 1.4323% | 2,138 |
| Return on Equity (ROE) | 9.3894% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.0111% | 1,612 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7514% | 6,082 |
| Assets per employee ($millions) | 11.2262% | 171 |
| Cash dividends to net income (ytd only)* | 14.6796% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 3,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.6820% | 6,789 |
| Net loans and leases to deposits | 34.6102% | 6,846 |
| Net loans and leases to core deposits | 41.0716% | 6,699 |
| Total domestic deposits to total assets | 88.6500% | 1,624 |
| Equity capital to assets | 10.4100% | 3,946 |
| Core capital (leverage) ratio | 9.3529% | 4,499 |
| Tier 1 risk-based capital ratio | 27.5422% | 698 |
| Total risk-based capital ratio | 28.7973% | 683 |
| Memoranda: | ||
| Average total assets | $188,317,750 | 3,226 |
| Average earning assets | $184,054,750 | 3,066 |
| Average equity | $19,056,500 | 3,352 |
| Average total loans | $59,045,500 | 4,796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 6,727 |
| Cost of funding earning assets | 0.3939% | 6,305 |
| Net interest margin | 3.0037% | 6,237 |
| Noninterest income to average assets | 0.0672% | 6,799 |
| Noninterest expense to average assets | 1.6685% | 6,868 |
| Loan and lease loss provision to assets | 0.1280% | 3,923 |
| Net operating income to assets | 0.8033% | 3,385 |
| Return on assets (ROA) | 0.9815% | 2,778 |
| Pretax return on assets | 1.4775% | 1,932 |
| Return on Equity (ROE) | 9.7944% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.6971% | 1,763 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5398% | 6,170 |
| Assets per employee ($millions) | 11.0631% | 173 |
| Cash dividends to net income (ytd only)* | 21.4130% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 3,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 30.5160% | 6,858 |
| Net loans and leases to deposits | 34.3576% | 6,913 |
| Net loans and leases to core deposits | 40.8414% | 6,780 |
| Total domestic deposits to total assets | 88.8186% | 1,627 |
| Equity capital to assets | 10.2275% | 4,021 |
| Core capital (leverage) ratio | 9.2665% | 4,501 |
| Tier 1 risk-based capital ratio | 27.0497% | 727 |
| Total risk-based capital ratio | 28.3029% | 710 |
| Memoranda: | ||
| Average total assets | $187,475,330 | 3,245 |
| Average earning assets | $183,310,000 | 3,081 |
| Average equity | $18,786,330 | 3,384 |
| Average total loans | $58,868,000 | 4,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 6,762 |
| Cost of funding earning assets | 0.4106% | 6,352 |
| Net interest margin | 3.0334% | 6,225 |
| Noninterest income to average assets | 0.0513% | 6,924 |
| Noninterest expense to average assets | 1.7011% | 6,898 |
| Loan and lease loss provision to assets | 0.1282% | 3,741 |
| Net operating income to assets | 0.7863% | 3,442 |
| Return on assets (ROA) | 0.9894% | 2,714 |
| Pretax return on assets | 1.4980% | 1,873 |
| Return on Equity (ROE) | 9.9774% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.9774% | 1,274 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3340% | 6,088 |
| Assets per employee ($millions) | 11.8387% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.4209% | 6,890 |
| Net loans and leases to deposits | 34.0419% | 6,952 |
| Net loans and leases to core deposits | 40.2893% | 6,808 |
| Total domestic deposits to total assets | 89.3633% | 1,444 |
| Equity capital to assets | 9.8586% | 4,303 |
| Core capital (leverage) ratio | 9.2139% | 4,493 |
| Tier 1 risk-based capital ratio | 26.8845% | 744 |
| Total risk-based capital ratio | 28.1364% | 729 |
| Memoranda: | ||
| Average total assets | $187,177,000 | 3,268 |
| Average earning assets | $183,163,000 | 3,109 |
| Average equity | $18,562,000 | 3,414 |
| Average total loans | $59,124,500 | 4,850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 6,707 |
| Cost of funding earning assets | 0.5259% | 6,435 |
| Net interest margin | 3.2908% | 5,832 |
| Noninterest income to average assets | 0.0777% | 6,726 |
| Noninterest expense to average assets | 1.8800% | 6,855 |
| Loan and lease loss provision to assets | 0.1351% | 4,927 |
| Net operating income to assets | 0.8512% | 2,816 |
| Return on assets (ROA) | 0.9972% | 2,354 |
| Pretax return on assets | 1.4904% | 1,502 |
| Return on Equity (ROE) | 10.1641% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.8182% | 1,586 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1844% | 6,167 |
| Assets per employee ($millions) | 10.8785% | 185 |
| Cash dividends to net income (ytd only)* | 32.9193% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 31.8382% | 6,946 |
| Net loans and leases to deposits | 35.7933% | 7,008 |
| Net loans and leases to core deposits | 42.9342% | 6,856 |
| Total domestic deposits to total assets | 88.9502% | 1,568 |
| Equity capital to assets | 9.9765% | 4,197 |
| Core capital (leverage) ratio | 9.1318% | 4,571 |
| Tier 1 risk-based capital ratio | 25.5411% | 818 |
| Total risk-based capital ratio | 26.7926% | 798 |
| Memoranda: | ||
| Average total assets | $177,604,000 | 3,371 |
| Average earning assets | $173,238,200 | 3,185 |
| Average equity | $17,424,000 | 3,515 |
| Average total loans | $59,186,800 | 4,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 6,739 |
| Cost of funding earning assets | 0.5501% | 6,514 |
| Net interest margin | 3.3420% | 5,740 |
| Noninterest income to average assets | 0.0827% | 6,830 |
| Noninterest expense to average assets | 1.8888% | 6,862 |
| Loan and lease loss provision to assets | 0.1365% | 4,733 |
| Net operating income to assets | 0.8825% | 2,812 |
| Return on assets (ROA) | 1.0142% | 2,427 |
| Pretax return on assets | 1.5118% | 1,616 |
| Return on Equity (ROE) | 10.3837% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.8537% | 1,200 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5395% | 6,203 |
| Assets per employee ($millions) | 10.5758% | 211 |
| Cash dividends to net income (ytd only)* | 14.7345% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 5,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.8810% | 6,960 |
| Net loans and leases to deposits | 38.2265% | 7,027 |
| Net loans and leases to core deposits | 46.2384% | 6,836 |
| Total domestic deposits to total assets | 88.6322% | 1,673 |
| Equity capital to assets | 10.3450% | 3,904 |
| Core capital (leverage) ratio | 9.3974% | 4,307 |
| Tier 1 risk-based capital ratio | 24.8368% | 928 |
| Total risk-based capital ratio | 26.0379% | 919 |
| Memoranda: | ||
| Average total assets | $175,771,250 | 3,417 |
| Average earning assets | $171,347,750 | 3,229 |
| Average equity | $17,167,500 | 3,556 |
| Average total loans | $59,052,750 | 4,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 6,748 |
| Cost of funding earning assets | 0.5707% | 6,583 |
| Net interest margin | 3.3726% | 5,631 |
| Noninterest income to average assets | 0.0906% | 6,875 |
| Noninterest expense to average assets | 1.9308% | 6,903 |
| Loan and lease loss provision to assets | 0.1376% | 4,582 |
| Net operating income to assets | 0.8865% | 2,703 |
| Return on assets (ROA) | 1.0113% | 2,279 |
| Pretax return on assets | 1.4917% | 1,558 |
| Return on Equity (ROE) | 10.5690% | 1,929 |
| Retained earnings to average equity (ytd only) | 8.2083% | 1,380 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1817% | 6,272 |
| Assets per employee ($millions) | 10.3434% | 221 |
| Cash dividends to net income (ytd only)* | 22.3356% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 33.4713% | 7,063 |
| Net loans and leases to deposits | 37.5535% | 7,133 |
| Net loans and leases to core deposits | 45.7432% | 6,951 |
| Total domestic deposits to total assets | 89.1297% | 1,457 |
| Equity capital to assets | 9.9751% | 4,186 |
| Core capital (leverage) ratio | 9.2209% | 4,368 |
| Tier 1 risk-based capital ratio | 24.7717% | 923 |
| Total risk-based capital ratio | 25.9100% | 917 |
| Memoranda: | ||
| Average total assets | $174,432,330 | 3,456 |
| Average earning assets | $169,956,330 | 3,277 |
| Average equity | $16,690,330 | 3,620 |
| Average total loans | $58,171,330 | 5,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 6,755 |
| Cost of funding earning assets | 0.5770% | 6,701 |
| Net interest margin | 3.3790% | 5,507 |
| Noninterest income to average assets | 0.0668% | 7,060 |
| Noninterest expense to average assets | 1.9317% | 6,934 |
| Loan and lease loss provision to assets | 0.1381% | 4,282 |
| Net operating income to assets | 0.8833% | 2,645 |
| Return on assets (ROA) | 0.9993% | 2,231 |
| Pretax return on assets | 1.4551% | 1,582 |
| Return on Equity (ROE) | 10.6729% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.6729% | 959 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5446% | 6,320 |
| Assets per employee ($millions) | 10.2392% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.9247% | 7,129 |
| Net loans and leases to deposits | 36.5355% | 7,211 |
| Net loans and leases to core deposits | 44.6153% | 7,022 |
| Total domestic deposits to total assets | 90.1170% | 1,086 |
| Equity capital to assets | 9.4159% | 4,546 |
| Core capital (leverage) ratio | 9.1584% | 4,361 |
| Tier 1 risk-based capital ratio | 24.8014% | 899 |
| Total risk-based capital ratio | 25.8669% | 896 |
| Memoranda: | ||
| Average total assets | $173,730,000 | 3,492 |
| Average earning assets | $169,160,000 | 3,310 |
| Average equity | $16,265,500 | 3,679 |
| Average total loans | $57,468,000 | 5,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 7,115 |
| Cost of funding earning assets | 0.6556% | 6,994 |
| Net interest margin | 3.3670% | 5,741 |
| Noninterest income to average assets | 0.0769% | 7,002 |
| Noninterest expense to average assets | 2.0121% | 7,001 |
| Loan and lease loss provision to assets | 0.1657% | 5,562 |
| Net operating income to assets | 0.8206% | 2,708 |
| Return on assets (ROA) | 0.9995% | 2,144 |
| Pretax return on assets | 1.4280% | 1,569 |
| Return on Equity (ROE) | 10.4417% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.0847% | 1,283 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0601% | 6,037 |
| Assets per employee ($millions) | 10.1996% | 237 |
| Cash dividends to net income (ytd only)* | 32.1492% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 32.5036% | 7,275 |
| Net loans and leases to deposits | 36.1292% | 7,343 |
| Net loans and leases to core deposits | 43.9927% | 7,204 |
| Total domestic deposits to total assets | 89.9650% | 1,122 |
| Equity capital to assets | 9.3089% | 4,676 |
| Core capital (leverage) ratio | 8.9413% | 4,633 |
| Tier 1 risk-based capital ratio | 24.0874% | 927 |
| Total risk-based capital ratio | 25.0564% | 932 |
| Memoranda: | ||
| Average total assets | $168,976,600 | 3,560 |
| Average earning assets | $164,271,200 | 3,371 |
| Average equity | $16,175,600 | 3,726 |
| Average total loans | $55,124,600 | 5,268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 7,237 |
| Cost of funding earning assets | 0.6659% | 7,138 |
| Net interest margin | 3.3965% | 5,692 |
| Noninterest income to average assets | 0.0810% | 7,130 |
| Noninterest expense to average assets | 1.9713% | 7,095 |
| Loan and lease loss provision to assets | 0.1747% | 5,293 |
| Net operating income to assets | 0.8691% | 2,744 |
| Return on assets (ROA) | 1.0309% | 2,238 |
| Pretax return on assets | 1.4677% | 1,695 |
| Return on Equity (ROE) | 10.6932% | 1,875 |
| Retained earnings to average equity (ytd only) | 9.0703% | 1,033 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2766% | 6,224 |
| Assets per employee ($millions) | 10.2024% | 250 |
| Cash dividends to net income (ytd only)* | 15.1772% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 32.5058% | 7,393 |
| Net loans and leases to deposits | 36.5294% | 7,459 |
| Net loans and leases to core deposits | 44.8730% | 7,294 |
| Total domestic deposits to total assets | 88.9852% | 1,392 |
| Equity capital to assets | 9.9539% | 4,215 |
| Core capital (leverage) ratio | 9.1100% | 4,517 |
| Tier 1 risk-based capital ratio | 23.3072% | 1,026 |
| Total risk-based capital ratio | 24.1585% | 1,055 |
| Memoranda: | ||
| Average total assets | $167,872,500 | 3,623 |
| Average earning assets | $163,185,750 | 3,436 |
| Average equity | $16,184,250 | 3,771 |
| Average total loans | $54,665,250 | 5,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 7,280 |
| Cost of funding earning assets | 0.6842% | 7,225 |
| Net interest margin | 3.4212% | 5,558 |
| Noninterest income to average assets | 0.0904% | 7,128 |
| Noninterest expense to average assets | 1.9721% | 7,153 |
| Loan and lease loss provision to assets | 0.1446% | 5,451 |
| Net operating income to assets | 0.9046% | 2,542 |
| Return on assets (ROA) | 1.0505% | 2,086 |
| Pretax return on assets | 1.5071% | 1,542 |
| Return on Equity (ROE) | 11.0210% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.5312% | 1,254 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7425% | 6,412 |
| Assets per employee ($millions) | 9.2519% | 317 |
| Cash dividends to net income (ytd only)* | 22.5917% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 7,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 32.5651% | 7,468 |
| Net loans and leases to deposits | 36.5837% | 7,520 |
| Net loans and leases to core deposits | 44.5123% | 7,391 |
| Total domestic deposits to total assets | 89.0155% | 1,430 |
| Equity capital to assets | 9.9145% | 4,117 |
| Core capital (leverage) ratio | 9.1916% | 4,309 |
| Tier 1 risk-based capital ratio | 23.4101% | 1,006 |
| Total risk-based capital ratio | 24.1335% | 1,060 |
| Memoranda: | ||
| Average total assets | $166,016,670 | 3,675 |
| Average earning assets | $161,349,000 | 3,486 |
| Average equity | $15,824,330 | 3,828 |
| Average total loans | $53,913,330 | 5,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 7,352 |
| Cost of funding earning assets | 0.7220% | 7,287 |
| Net interest margin | 3.4041% | 5,566 |
| Noninterest income to average assets | 0.0820% | 7,293 |
| Noninterest expense to average assets | 1.9209% | 7,300 |
| Loan and lease loss provision to assets | 0.1448% | 5,106 |
| Net operating income to assets | 0.9271% | 2,440 |
| Return on assets (ROA) | 1.0352% | 2,114 |
| Pretax return on assets | 1.4817% | 1,563 |
| Return on Equity (ROE) | 11.0846% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.0846% | 904 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6145% | 6,681 |
| Assets per employee ($millions) | 9.8770% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 7,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 31.4015% | 7,585 |
| Net loans and leases to deposits | 34.9920% | 7,644 |
| Net loans and leases to core deposits | 42.4549% | 7,514 |
| Total domestic deposits to total assets | 89.7391% | 1,119 |
| Equity capital to assets | 9.4259% | 4,648 |
| Core capital (leverage) ratio | 8.9171% | 4,705 |
| Tier 1 risk-based capital ratio | 23.4418% | 1,019 |
| Total risk-based capital ratio | 24.0830% | 1,072 |
| Memoranda: | ||
| Average total assets | $165,758,000 | 3,737 |
| Average earning assets | $161,215,000 | 3,540 |
| Average equity | $15,481,000 | 3,925 |
| Average total loans | $53,532,500 | 5,512 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 7,410 |
| Cost of funding earning assets | 0.9403% | 7,327 |
| Net interest margin | 3.5233% | 4,852 |
| Noninterest income to average assets | 0.1041% | 7,247 |
| Noninterest expense to average assets | 2.2309% | 6,914 |
| Loan and lease loss provision to assets | 0.0822% | 6,787 |
| Net operating income to assets | 0.8464% | 2,363 |
| Return on assets (ROA) | 1.0298% | 1,788 |
| Pretax return on assets | 1.4409% | 1,332 |
| Return on Equity (ROE) | 10.1844% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.4373% | 1,173 |
| Net charge-offs to loans | 0.0060% | 7,157 |
| Credit loss provision to net charge-offs | 4,000.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 615.3333% | 41 |
| Efficiency ratio | 63.8181% | 5,813 |
| Assets per employee ($millions) | 9.6239% | 294 |
| Cash dividends to net income (ytd only)* | 36.7931% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 7,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 32.7816% | 7,631 |
| Net loans and leases to deposits | 36.4970% | 7,713 |
| Net loans and leases to core deposits | 49.8499% | 7,593 |
| Total domestic deposits to total assets | 89.8201% | 1,048 |
| Equity capital to assets | 9.2508% | 4,770 |
| Core capital (leverage) ratio | 8.8932% | 4,600 |
| Tier 1 risk-based capital ratio | 22.4719% | 1,097 |
| Total risk-based capital ratio | 23.0110% | 1,159 |
| Memoranda: | ||
| Average total assets | $145,950,200 | 4,016 |
| Average earning assets | $140,492,800 | 3,893 |
| Average equity | $14,757,800 | 4,107 |
| Average total loans | $49,695,200 | 5,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 7,490 |
| Cost of funding earning assets | 0.9608% | 7,462 |
| Net interest margin | 3.5595% | 4,636 |
| Noninterest income to average assets | 0.1149% | 7,319 |
| Noninterest expense to average assets | 2.2684% | 6,786 |
| Loan and lease loss provision to assets | 0.0820% | 6,547 |
| Net operating income to assets | 0.8463% | 2,633 |
| Return on assets (ROA) | 1.0362% | 2,011 |
| Pretax return on assets | 1.4451% | 1,583 |
| Return on Equity (ROE) | 10.0019% | 1,908 |
| Retained earnings to average equity (ytd only) | 8.2107% | 1,078 |
| Net charge-offs to loans | 0.0082% | 6,844 |
| Credit loss provision to net charge-offs | 2,900.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 446.9900% | 79 |
| Efficiency ratio | 64.2305% | 5,698 |
| Assets per employee ($millions) | 9.7258% | 292 |
| Cash dividends to net income (ytd only)* | 17.9091% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5519% | 7,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 33.5816% | 7,699 |
| Net loans and leases to deposits | 37.7296% | 7,787 |
| Net loans and leases to core deposits | 51.8979% | 7,647 |
| Total domestic deposits to total assets | 89.0060% | 1,190 |
| Equity capital to assets | 9.9934% | 4,092 |
| Core capital (leverage) ratio | 9.5134% | 3,890 |
| Tier 1 risk-based capital ratio | 23.1526% | 1,091 |
| Total risk-based capital ratio | 23.6482% | 1,159 |
| Memoranda: | ||
| Average total assets | $141,536,000 | 4,106 |
| Average earning assets | $135,859,750 | 4,008 |
| Average equity | $14,663,500 | 4,153 |
| Average total loans | $48,630,000 | 5,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 7,527 |
| Cost of funding earning assets | 0.9716% | 7,597 |
| Net interest margin | 3.6337% | 4,229 |
| Noninterest income to average assets | 0.1242% | 7,358 |
| Noninterest expense to average assets | 2.3224% | 6,699 |
| Loan and lease loss provision to assets | 0.0731% | 6,463 |
| Net operating income to assets | 0.8520% | 2,645 |
| Return on assets (ROA) | 1.0523% | 2,013 |
| Pretax return on assets | 1.4761% | 1,508 |
| Return on Equity (ROE) | 10.0225% | 2,014 |
| Retained earnings to average equity (ytd only) | 7.2802% | 1,477 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6987% | 5,773 |
| Assets per employee ($millions) | 8.5345% | 405 |
| Cash dividends to net income (ytd only)* | 27.3611% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 7,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.6834% | 7,814 |
| Net loans and leases to deposits | 36.6504% | 7,888 |
| Net loans and leases to core deposits | 51.0112% | 7,739 |
| Total domestic deposits to total assets | 89.1761% | 1,181 |
| Equity capital to assets | 9.9727% | 3,980 |
| Core capital (leverage) ratio | 9.8446% | 3,457 |
| Tier 1 risk-based capital ratio | 24.7898% | 963 |
| Total risk-based capital ratio | 25.2726% | 1,010 |
| Memoranda: | ||
| Average total assets | $136,844,000 | 4,240 |
| Average earning assets | $130,501,000 | 4,124 |
| Average equity | $14,367,670 | 4,225 |
| Average total loans | $47,324,330 | 5,869 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 7,508 |
| Cost of funding earning assets | 0.9656% | 7,724 |
| Net interest margin | 3.7379% | 3,727 |
| Noninterest income to average assets | 0.1115% | 7,480 |
| Noninterest expense to average assets | 2.2603% | 6,659 |
| Loan and lease loss provision to assets | 0.0753% | 6,015 |
| Net operating income to assets | 0.9141% | 2,641 |
| Return on assets (ROA) | 1.1272% | 1,997 |
| Pretax return on assets | 1.6033% | 1,398 |
| Return on Equity (ROE) | 10.4491% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.4491% | 1,084 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1891% | 6,018 |
| Assets per employee ($millions) | 8.0379% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 7,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 34.8380% | 7,773 |
| Net loans and leases to deposits | 39.4373% | 7,859 |
| Net loans and leases to core deposits | 53.6135% | 7,687 |
| Total domestic deposits to total assets | 88.3376% | 1,558 |
| Equity capital to assets | 10.7235% | 3,270 |
| Core capital (leverage) ratio | 10.3742% | 3,046 |
| Tier 1 risk-based capital ratio | 25.3266% | 947 |
| Total risk-based capital ratio | 25.7811% | 1,002 |
| Memoranda: | ||
| Average total assets | $132,723,000 | 4,358 |
| Average earning assets | $125,098,000 | 4,265 |
| Average equity | $14,317,000 | 4,262 |
| Average total loans | $47,149,000 | 5,908 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 7,899 |
| Cost of funding earning assets | 1.1512% | 7,975 |
| Net interest margin | 3.7432% | 4,255 |
| Noninterest income to average assets | 0.1332% | 7,441 |
| Noninterest expense to average assets | 2.4396% | 6,258 |
| Loan and lease loss provision to assets | 0.0552% | 6,720 |
| Net operating income to assets | 0.8438% | 3,248 |
| Return on assets (ROA) | 0.9412% | 2,692 |
| Pretax return on assets | 1.2539% | 2,466 |
| Return on Equity (ROE) | 8.8162% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.8116% | 1,612 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4147% | 4,837 |
| Assets per employee ($millions) | 7.5766% | 551 |
| Cash dividends to net income (ytd only)* | 34.0811% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4434% | 7,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.9133% | 7,832 |
| Net loans and leases to deposits | 40.7210% | 7,928 |
| Net loans and leases to core deposits | 55.0980% | 7,763 |
| Total domestic deposits to total assets | 88.1935% | 1,390 |
| Equity capital to assets | 10.8546% | 3,162 |
| Core capital (leverage) ratio | 10.6315% | 2,877 |
| Tier 1 risk-based capital ratio | 26.2729% | 881 |
| Total risk-based capital ratio | 26.7085% | 930 |
| Memoranda: | ||
| Average total assets | $123,136,200 | 4,440 |
| Average earning assets | $114,660,600 | 4,397 |
| Average equity | $13,146,200 | 4,533 |
| Average total loans | $41,770,400 | 6,087 |