Home > Farmers and Merchants Bank of South Carolina > Performance and Condition Ratios
Farmers and Merchants Bank of South Carolina, 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 | 4.2212% | 3,586 |
| Cost of funding earning assets | 0.1654% | 4,457 |
| Net interest margin | 4.0558% | 1,123 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.0871% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6955% | 740 |
| Return on assets (ROA) | 1.6955% | 703 |
| Pretax return on assets | 2.2000% | 489 |
| Return on Equity (ROE) | 21.2800% | 520 |
| Retained earnings to average equity (ytd only) | 17.9688% | 194 |
| Net charge-offs to loans | 0.0357% | 1,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 290.8824% | 440 |
| Efficiency ratio | 48.7060% | 4,052 |
| Assets per employee ($millions) | 6.5922% | 2,348 |
| Cash dividends to net income (ytd only)* | 15.5591% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 1,627 |
| Loan loss allowance to noncurrent loans | 184.9260% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,473 |
| Noncurrent loans to loans | 0.7221% | 1,078 |
| Net loans and leases to total assets | 21.6900% | 4,390 |
| Net loans and leases to deposits | 23.8452% | 4,404 |
| Net loans and leases to core deposits | 24.8289% | 4,433 |
| Total domestic deposits to total assets | 90.9700% | 509 |
| Equity capital to assets | 8.7938% | 2,834 |
| Core capital (leverage) ratio | 14.4952% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6724% | 154 |
| Memoranda: | ||
| Average total assets | $449,961,400 | 1,859 |
| Average earning assets | $421,469,400 | 1,834 |
| Average equity | $35,851,000 | 2,019 |
| Average total loans | $95,212,400 | 3,226 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3411% | 3,209 |
| Cost of funding earning assets | 0.1420% | 4,483 |
| Net interest margin | 4.1991% | 925 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9773% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8767% | 580 |
| Return on assets (ROA) | 1.8767% | 573 |
| Pretax return on assets | 2.4401% | 410 |
| Return on Equity (ROE) | 24.2100% | 422 |
| Retained earnings to average equity (ytd only) | 23.0056% | 166 |
| Net charge-offs to loans | 0.0443% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 262.7742% | 495 |
| Efficiency ratio | 44.7804% | 4,198 |
| Assets per employee ($millions) | 5.5174% | 3,170 |
| Cash dividends to net income (ytd only)* | 4.9920% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,538 |
| Loan loss allowance to noncurrent loans | 183.1117% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 2,295 |
| Noncurrent loans to loans | 0.7528% | 1,106 |
| Net loans and leases to total assets | 25.5100% | 4,386 |
| Net loans and leases to deposits | 28.1368% | 4,401 |
| Net loans and leases to core deposits | 29.5113% | 4,391 |
| Total domestic deposits to total assets | 90.6600% | 759 |
| Equity capital to assets | 8.9597% | 2,441 |
| Core capital (leverage) ratio | 14.3452% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7625% | 154 |
| Memoranda: | ||
| Average total assets | $445,440,000 | 1,871 |
| Average earning assets | $415,987,250 | 1,850 |
| Average equity | $34,524,000 | 2,063 |
| Average total loans | $93,291,000 | 3,255 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,891 |
| Cost of funding earning assets | 0.1181% | 4,503 |
| Net interest margin | 4.2784% | 835 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.9279% | 3,761 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.9528% | 498 |
| Return on assets (ROA) | 1.9528% | 500 |
| Pretax return on assets | 2.5405% | 336 |
| Return on Equity (ROE) | 26.3300% | 316 |
| Retained earnings to average equity (ytd only) | 24.5178% | 131 |
| Net charge-offs to loans | 0.0703% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 184.1250% | 654 |
| Efficiency ratio | 43.2151% | 4,292 |
| Assets per employee ($millions) | 5.7091% | 2,959 |
| Cash dividends to net income (ytd only)* | 6.8912% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 1,325 |
| Loan loss allowance to noncurrent loans | 196.5714% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 2,116 |
| Noncurrent loans to loans | 0.7408% | 1,017 |
| Net loans and leases to total assets | 23.6400% | 4,425 |
| Net loans and leases to deposits | 26.0862% | 4,436 |
| Net loans and leases to core deposits | 27.2983% | 4,431 |
| Total domestic deposits to total assets | 90.6200% | 752 |
| Equity capital to assets | 9.0501% | 2,486 |
| Core capital (leverage) ratio | 12.5932% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3672% | 137 |
| Memoranda: | ||
| Average total assets | $465,180,333 | 1,813 |
| Average earning assets | $435,354,667 | 1,796 |
| Average equity | $34,497,333 | 2,075 |
| Average total loans | $91,089,000 | 3,283 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 3,041 |
| Cost of funding earning assets | 0.0842% | 4,555 |
| Net interest margin | 4.1174% | 1,074 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.7364% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9656% | 517 |
| Return on assets (ROA) | 1.9656% | 509 |
| Pretax return on assets | 2.5583% | 333 |
| Return on Equity (ROE) | 29.0200% | 254 |
| Retained earnings to average equity (ytd only) | 29.0208% | 121 |
| Net charge-offs to loans | 0.0626% | 755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 228.6429% | 466 |
| Efficiency ratio | 40.4465% | 4,435 |
| Assets per employee ($millions) | 7.0683% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,133 |
| Loan loss allowance to noncurrent loans | 191.7469% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,062 |
| Noncurrent loans to loans | 0.8062% | 953 |
| Net loans and leases to total assets | 17.9400% | 4,535 |
| Net loans and leases to deposits | 19.3927% | 4,543 |
| Net loans and leases to core deposits | 20.0896% | 4,535 |
| Total domestic deposits to total assets | 92.5300% | 391 |
| Equity capital to assets | 7.2321% | 3,714 |
| Core capital (leverage) ratio | 10.0789% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9228% | 141 |
| Memoranda: | ||
| Average total assets | $500,806,000 | 1,740 |
| Average earning assets | $470,194,000 | 1,728 |
| Average equity | $33,920,500 | 2,130 |
| Average total loans | $89,386,000 | 3,342 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4309% | 4,527 |
| Cost of funding earning assets | 0.0832% | 4,465 |
| Net interest margin | 2.3477% | 4,396 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 1.8839% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8936% | 2,987 |
| Return on assets (ROA) | 0.8936% | 2,920 |
| Pretax return on assets | 1.1585% | 2,577 |
| Return on Equity (ROE) | 11.2000% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.9497% | 1,492 |
| Net charge-offs to loans | -0.0224% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9203% | 2,773 |
| Assets per employee ($millions) | 7.4534% | 1,651 |
| Cash dividends to net income (ytd only)* | 20.0890% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 809 |
| Loan loss allowance to noncurrent loans | 198.6772% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 2,085 |
| Noncurrent loans to loans | 0.8534% | 876 |
| Net loans and leases to total assets | 17.1800% | 4,565 |
| Net loans and leases to deposits | 18.3806% | 4,576 |
| Net loans and leases to core deposits | 19.0270% | 4,566 |
| Total domestic deposits to total assets | 93.4800% | 309 |
| Equity capital to assets | 6.3252% | 3,970 |
| Core capital (leverage) ratio | 11.5267% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4450% | 148 |
| Memoranda: | ||
| Average total assets | $452,893,800 | 1,847 |
| Average earning assets | $420,921,800 | 1,845 |
| Average equity | $36,135,200 | 2,066 |
| Average total loans | $89,101,000 | 3,301 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0779% | 4,592 |
| Cost of funding earning assets | 0.0855% | 4,383 |
| Net interest margin | 1.9924% | 4,553 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.8661% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3996% | 4,243 |
| Return on assets (ROA) | 0.3996% | 4,190 |
| Pretax return on assets | 0.5131% | 4,130 |
| Return on Equity (ROE) | 4.7300% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,584 |
| Net charge-offs to loans | 0.0164% | 1,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 153.7273% | 739 |
| Efficiency ratio | 78.4339% | 879 |
| Assets per employee ($millions) | 5.7489% | 2,991 |
| Cash dividends to net income (ytd only)* | 23.7661% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 1,008 |
| Loan loss allowance to noncurrent loans | 159.8913% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,716 |
| Noncurrent loans to loans | 1.0220% | 743 |
| Net loans and leases to total assets | 21.6900% | 4,573 |
| Net loans and leases to deposits | 23.4617% | 4,586 |
| Net loans and leases to core deposits | 24.5275% | 4,574 |
| Total domestic deposits to total assets | 92.4700% | 725 |
| Equity capital to assets | 7.2036% | 3,402 |
| Core capital (leverage) ratio | 11.9705% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5781% | 160 |
| Memoranda: | ||
| Average total assets | $439,410,000 | 1,895 |
| Average earning assets | $408,551,250 | 1,893 |
| Average equity | $37,154,500 | 2,056 |
| Average total loans | $89,228,500 | 3,313 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7668% | 4,670 |
| Cost of funding earning assets | 0.0857% | 4,326 |
| Net interest margin | 1.6810% | 4,660 |
| Noninterest income to average assets | 0.5375% | 2,003 |
| Noninterest expense to average assets | 1.8363% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2081% | 4,407 |
| Return on assets (ROA) | 0.2081% | 4,367 |
| Pretax return on assets | 0.2623% | 4,340 |
| Return on Equity (ROE) | 2.3554% | 4,313 |
| Retained earnings to average equity (ytd only) | 0.7801% | 4,037 |
| Net charge-offs to loans | -0.1124% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 512 |
| Assets per employee ($millions) | 5.7627% | 2,966 |
| Cash dividends to net income (ytd only)* | 66.8803% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 918 |
| Loan loss allowance to noncurrent loans | 149.3177% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 1,785 |
| Noncurrent loans to loans | 1.1575% | 696 |
| Net loans and leases to total assets | 21.9072% | 4,634 |
| Net loans and leases to deposits | 23.9764% | 4,642 |
| Net loans and leases to core deposits | 25.0930% | 4,632 |
| Total domestic deposits to total assets | 91.3697% | 1,075 |
| Equity capital to assets | 8.3147% | 2,893 |
| Core capital (leverage) ratio | 10.9361% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3459% | 118 |
| Memoranda: | ||
| Average total assets | $449,822,333 | 1,872 |
| Average earning assets | $417,715,333 | 1,890 |
| Average equity | $39,738,333 | 2,004 |
| Average total loans | $88,964,333 | 3,339 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5152% | 4,718 |
| Cost of funding earning assets | 0.0834% | 4,313 |
| Net interest margin | 1.4317% | 4,709 |
| Noninterest income to average assets | 0.4312% | 2,492 |
| Noninterest expense to average assets | 1.6717% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0740% | 4,494 |
| Return on assets (ROA) | 0.0740% | 4,470 |
| Pretax return on assets | 0.0866% | 4,458 |
| Return on Equity (ROE) | 0.8171% | 4,450 |
| Retained earnings to average equity (ytd only) | 0.8171% | 3,860 |
| Net charge-offs to loans | -0.2962% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0765% | 361 |
| Assets per employee ($millions) | 6.5432% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 955 |
| Loan loss allowance to noncurrent loans | 145.0797% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 1,615 |
| Noncurrent loans to loans | 1.2099% | 731 |
| Net loans and leases to total assets | 18.9159% | 4,683 |
| Net loans and leases to deposits | 20.7695% | 4,694 |
| Net loans and leases to core deposits | 21.6688% | 4,688 |
| Total domestic deposits to total assets | 91.0751% | 998 |
| Equity capital to assets | 8.6808% | 2,993 |
| Core capital (leverage) ratio | 9.4657% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0974% | 110 |
| Memoranda: | ||
| Average total assets | $475,922,000 | 1,809 |
| Average earning assets | $441,144,000 | 1,822 |
| Average equity | $43,077,000 | 1,947 |
| Average total loans | $89,126,500 | 3,340 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8023% | 4,716 |
| Cost of funding earning assets | 0.0908% | 4,450 |
| Net interest margin | 1.7114% | 4,687 |
| Noninterest income to average assets | 0.5576% | 2,329 |
| Noninterest expense to average assets | 1.6593% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3955% | 4,282 |
| Return on assets (ROA) | 0.3955% | 4,313 |
| Pretax return on assets | 0.4927% | 4,270 |
| Return on Equity (ROE) | 3.4944% | 4,294 |
| Retained earnings to average equity (ytd only) | -0.1444% | 4,512 |
| Net charge-offs to loans | 0.0278% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 78.8077% | 1,008 |
| Efficiency ratio | 77.1061% | 1,019 |
| Assets per employee ($millions) | 7.2621% | 1,756 |
| Cash dividends to net income (ytd only)* | 104.1337% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 1,163 |
| Loan loss allowance to noncurrent loans | 128.5343% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 1,770 |
| Noncurrent loans to loans | 1.2802% | 746 |
| Net loans and leases to total assets | 17.9385% | 4,733 |
| Net loans and leases to deposits | 19.8449% | 4,744 |
| Net loans and leases to core deposits | 20.6451% | 4,737 |
| Total domestic deposits to total assets | 90.3935% | 765 |
| Equity capital to assets | 9.3949% | 3,231 |
| Core capital (leverage) ratio | 11.5532% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7852% | 104 |
| Memoranda: | ||
| Average total assets | $415,890,400 | 1,942 |
| Average earning assets | $387,458,200 | 1,944 |
| Average equity | $47,075,800 | 1,855 |
| Average total loans | $93,619,200 | 3,283 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8893% | 4,784 |
| Cost of funding earning assets | 0.0972% | 4,523 |
| Net interest margin | 1.7921% | 4,747 |
| Noninterest income to average assets | 0.5873% | 2,266 |
| Noninterest expense to average assets | 1.8422% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3333% | 4,469 |
| Return on assets (ROA) | 0.3333% | 4,498 |
| Pretax return on assets | 0.4261% | 4,459 |
| Return on Equity (ROE) | 2.7966% | 4,490 |
| Retained earnings to average equity (ytd only) | -0.6265% | 4,627 |
| Net charge-offs to loans | 0.0071% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 253.4000% | 480 |
| Efficiency ratio | 81.2129% | 687 |
| Assets per employee ($millions) | 5.6403% | 3,053 |
| Cash dividends to net income (ytd only)* | 122.4016% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,120 |
| Loan loss allowance to noncurrent loans | 132.8912% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 1,643 |
| Noncurrent loans to loans | 1.2748% | 858 |
| Net loans and leases to total assets | 22.7398% | 4,763 |
| Net loans and leases to deposits | 26.0616% | 4,767 |
| Net loans and leases to core deposits | 27.4393% | 4,763 |
| Total domestic deposits to total assets | 87.2540% | 2,240 |
| Equity capital to assets | 12.3894% | 1,226 |
| Core capital (leverage) ratio | 12.7563% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3928% | 111 |
| Memoranda: | ||
| Average total assets | $396,407,750 | 2,021 |
| Average earning assets | $371,838,750 | 2,014 |
| Average equity | $47,246,250 | 1,872 |
| Average total loans | $94,507,500 | 3,314 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8925% | 4,824 |
| Cost of funding earning assets | 0.1012% | 4,574 |
| Net interest margin | 1.7913% | 4,787 |
| Noninterest income to average assets | 0.5565% | 2,384 |
| Noninterest expense to average assets | 1.9860% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1987% | 4,636 |
| Return on assets (ROA) | 0.1987% | 4,648 |
| Pretax return on assets | 0.2491% | 4,634 |
| Return on Equity (ROE) | 1.6880% | 4,624 |
| Retained earnings to average equity (ytd only) | -3.4566% | 4,736 |
| Net charge-offs to loans | -0.0145% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8566% | 371 |
| Assets per employee ($millions) | 5.4682% | 3,166 |
| Cash dividends to net income (ytd only)* | 304.7739% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 1,174 |
| Loan loss allowance to noncurrent loans | 115.1216% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 1,575 |
| Noncurrent loans to loans | 1.4315% | 811 |
| Net loans and leases to total assets | 24.3161% | 4,778 |
| Net loans and leases to deposits | 27.9049% | 4,782 |
| Net loans and leases to core deposits | 29.4756% | 4,782 |
| Total domestic deposits to total assets | 87.1391% | 2,245 |
| Equity capital to assets | 12.5226% | 1,121 |
| Core capital (leverage) ratio | 11.5746% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.2074% | 107 |
| Memoranda: | ||
| Average total assets | $400,697,333 | 2,003 |
| Average earning assets | $375,491,333 | 1,996 |
| Average equity | $47,155,667 | 1,862 |
| Average total loans | $96,437,000 | 3,303 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7345% | 4,878 |
| Cost of funding earning assets | 0.1072% | 4,610 |
| Net interest margin | 1.6273% | 4,861 |
| Noninterest income to average assets | 0.5858% | 2,267 |
| Noninterest expense to average assets | 1.8144% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2313% | 4,611 |
| Return on assets (ROA) | 0.2313% | 4,634 |
| Pretax return on assets | 0.2920% | 4,610 |
| Return on Equity (ROE) | 2.0231% | 4,598 |
| Retained earnings to average equity (ytd only) | 2.0231% | 4,001 |
| Net charge-offs to loans | 0.1175% | 602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 10.4483% | 1,497 |
| Efficiency ratio | 86.1391% | 506 |
| Assets per employee ($millions) | 5.9040% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,588 |
| Loan loss allowance to noncurrent loans | 88.2458% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 1,690 |
| Noncurrent loans to loans | 1.7063% | 710 |
| Net loans and leases to total assets | 23.4092% | 4,816 |
| Net loans and leases to deposits | 26.4548% | 4,835 |
| Net loans and leases to core deposits | 27.8785% | 4,834 |
| Total domestic deposits to total assets | 88.4876% | 1,614 |
| Equity capital to assets | 11.2300% | 1,697 |
| Core capital (leverage) ratio | 11.1813% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4136% | 117 |
| Memoranda: | ||
| Average total assets | $415,126,000 | 1,944 |
| Average earning assets | $387,893,500 | 1,943 |
| Average equity | $47,451,500 | 1,838 |
| Average total loans | $98,689,500 | 3,277 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4150% | 4,860 |
| Cost of funding earning assets | 0.1622% | 4,696 |
| Net interest margin | 2.2528% | 4,739 |
| Noninterest income to average assets | 0.5351% | 2,486 |
| Noninterest expense to average assets | 2.2203% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3079% | 4,421 |
| Return on assets (ROA) | 0.3083% | 4,490 |
| Pretax return on assets | 0.3983% | 4,421 |
| Return on Equity (ROE) | 2.3361% | 4,519 |
| Retained earnings to average equity (ytd only) | -0.1000% | 4,531 |
| Net charge-offs to loans | 0.0423% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 36.9250% | 1,450 |
| Efficiency ratio | 84.8077% | 578 |
| Assets per employee ($millions) | 5.9568% | 2,373 |
| Cash dividends to net income (ytd only)* | 104.2795% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,512 |
| Loan loss allowance to noncurrent loans | 94.7236% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 1,953 |
| Noncurrent loans to loans | 1.6056% | 823 |
| Net loans and leases to total assets | 23.4180% | 4,860 |
| Net loans and leases to deposits | 26.5773% | 4,872 |
| Net loans and leases to core deposits | 27.9995% | 4,872 |
| Total domestic deposits to total assets | 88.1127% | 1,424 |
| Equity capital to assets | 11.6295% | 1,788 |
| Core capital (leverage) ratio | 13.1075% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.9268% | 111 |
| Memoranda: | ||
| Average total assets | $371,341,200 | 1,952 |
| Average earning assets | $343,351,200 | 1,963 |
| Average equity | $49,012,600 | 1,728 |
| Average total loans | $94,507,400 | 3,328 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6010% | 4,883 |
| Cost of funding earning assets | 0.1776% | 4,735 |
| Net interest margin | 2.4233% | 4,711 |
| Noninterest income to average assets | 0.5479% | 2,391 |
| Noninterest expense to average assets | 2.2585% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4064% | 4,254 |
| Return on assets (ROA) | 0.4067% | 4,317 |
| Pretax return on assets | 0.5286% | 4,228 |
| Return on Equity (ROE) | 2.9790% | 4,391 |
| Retained earnings to average equity (ytd only) | 1.0961% | 4,224 |
| Net charge-offs to loans | 0.0143% | 2,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 142.6000% | 628 |
| Efficiency ratio | 81.0448% | 793 |
| Assets per employee ($millions) | 4.7114% | 3,587 |
| Cash dividends to net income (ytd only)* | 63.2058% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,294 |
| Loan loss allowance to noncurrent loans | 79.3602% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 1,529 |
| Noncurrent loans to loans | 1.9314% | 647 |
| Net loans and leases to total assets | 29.5375% | 4,834 |
| Net loans and leases to deposits | 34.8272% | 4,844 |
| Net loans and leases to core deposits | 37.1990% | 4,830 |
| Total domestic deposits to total assets | 84.8117% | 2,508 |
| Equity capital to assets | 14.7199% | 694 |
| Core capital (leverage) ratio | 14.5633% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0517% | 118 |
| Memoranda: | ||
| Average total assets | $359,932,750 | 1,979 |
| Average earning assets | $332,535,250 | 1,994 |
| Average equity | $49,142,750 | 1,709 |
| Average total loans | $93,345,500 | 3,358 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7140% | 4,933 |
| Cost of funding earning assets | 0.1908% | 4,785 |
| Net interest margin | 2.5231% | 4,719 |
| Noninterest income to average assets | 0.5412% | 2,388 |
| Noninterest expense to average assets | 2.2633% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4681% | 4,089 |
| Return on assets (ROA) | 0.4685% | 4,155 |
| Pretax return on assets | 0.6113% | 4,037 |
| Return on Equity (ROE) | 3.5145% | 4,242 |
| Retained earnings to average equity (ytd only) | 0.6882% | 4,164 |
| Net charge-offs to loans | 0.0461% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 53.5714% | 1,055 |
| Efficiency ratio | 78.7495% | 982 |
| Assets per employee ($millions) | 4.6321% | 3,616 |
| Cash dividends to net income (ytd only)* | 80.4171% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,045 |
| Loan loss allowance to noncurrent loans | 67.8968% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 1,474 |
| Noncurrent loans to loans | 2.3331% | 527 |
| Net loans and leases to total assets | 28.0553% | 4,888 |
| Net loans and leases to deposits | 33.0023% | 4,903 |
| Net loans and leases to core deposits | 35.3252% | 4,890 |
| Total domestic deposits to total assets | 85.0102% | 2,399 |
| Equity capital to assets | 14.5625% | 722 |
| Core capital (leverage) ratio | 14.0549% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6414% | 102 |
| Memoranda: | ||
| Average total assets | $368,408,000 | 1,928 |
| Average earning assets | $340,607,000 | 1,943 |
| Average equity | $49,110,667 | 1,699 |
| Average total loans | $91,013,000 | 3,393 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 4,908 |
| Cost of funding earning assets | 0.2203% | 4,843 |
| Net interest margin | 2.8922% | 4,443 |
| Noninterest income to average assets | 0.5621% | 2,221 |
| Noninterest expense to average assets | 2.1234% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8573% | 2,673 |
| Return on assets (ROA) | 0.8573% | 2,774 |
| Pretax return on assets | 1.1222% | 2,446 |
| Return on Equity (ROE) | 6.7040% | 3,068 |
| Retained earnings to average equity (ytd only) | 3.5885% | 2,854 |
| Net charge-offs to loans | -0.0226% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4242% | 3,037 |
| Assets per employee ($millions) | 4.6177% | 3,102 |
| Cash dividends to net income (ytd only)* | 46.4720% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 759 |
| Loan loss allowance to noncurrent loans | 60.8304% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 1,288 |
| Noncurrent loans to loans | 2.9067% | 378 |
| Net loans and leases to total assets | 25.2487% | 4,966 |
| Net loans and leases to deposits | 29.6616% | 4,978 |
| Net loans and leases to core deposits | 31.7803% | 4,968 |
| Total domestic deposits to total assets | 85.1226% | 2,367 |
| Equity capital to assets | 14.4926% | 900 |
| Core capital (leverage) ratio | 11.4961% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.9720% | 94 |
| Memoranda: | ||
| Average total assets | $383,540,500 | 1,827 |
| Average earning assets | $355,859,500 | 1,826 |
| Average equity | $49,045,000 | 1,689 |
| Average total loans | $88,322,500 | 3,435 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 4,940 |
| Cost of funding earning assets | 0.2118% | 4,934 |
| Net interest margin | 3.1347% | 4,315 |
| Noninterest income to average assets | 0.6236% | 2,114 |
| Noninterest expense to average assets | 2.3113% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9560% | 2,997 |
| Return on assets (ROA) | 0.9560% | 3,078 |
| Pretax return on assets | 1.2497% | 2,670 |
| Return on Equity (ROE) | 7.3141% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.3184% | 2,266 |
| Net charge-offs to loans | 0.0022% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,244.5000% | 27 |
| Efficiency ratio | 64.8503% | 2,963 |
| Assets per employee ($millions) | 5.7482% | 1,833 |
| Cash dividends to net income (ytd only)* | 27.2860% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 730 |
| Loan loss allowance to noncurrent loans | 57.9558% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 1,491 |
| Noncurrent loans to loans | 3.0074% | 313 |
| Net loans and leases to total assets | 20.5154% | 5,069 |
| Net loans and leases to deposits | 23.2305% | 5,083 |
| Net loans and leases to core deposits | 24.5021% | 5,076 |
| Total domestic deposits to total assets | 88.3123% | 974 |
| Equity capital to assets | 11.4176% | 2,604 |
| Core capital (leverage) ratio | 13.4729% | 1,064 |
| Tier 1 risk-based capital ratio | 44.7649% | 178 |
| Total risk-based capital ratio | 46.0172% | 176 |
| Memoranda: | ||
| Average total assets | $359,199,200 | 1,877 |
| Average earning assets | $336,589,000 | 1,859 |
| Average equity | $46,950,200 | 1,688 |
| Average total loans | $90,325,400 | 3,390 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6200% | 4,867 |
| Cost of funding earning assets | 0.2156% | 5,002 |
| Net interest margin | 3.4044% | 3,858 |
| Noninterest income to average assets | 0.6490% | 1,991 |
| Noninterest expense to average assets | 2.3700% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1222% | 2,486 |
| Return on assets (ROA) | 1.1222% | 2,577 |
| Pretax return on assets | 1.4677% | 2,051 |
| Return on Equity (ROE) | 8.2612% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.3646% | 1,686 |
| Net charge-offs to loans | 0.0985% | 1,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.2992% | 1,103 |
| Efficiency ratio | 61.6851% | 3,377 |
| Assets per employee ($millions) | 4.1777% | 3,652 |
| Cash dividends to net income (ytd only)* | 10.8529% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 904 |
| Loan loss allowance to noncurrent loans | 51.0148% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.2262% | 1,024 |
| Noncurrent loans to loans | 3.2349% | 276 |
| Net loans and leases to total assets | 28.2079% | 5,083 |
| Net loans and leases to deposits | 33.6144% | 5,095 |
| Net loans and leases to core deposits | 36.3636% | 5,077 |
| Total domestic deposits to total assets | 83.9160% | 2,854 |
| Equity capital to assets | 15.5644% | 719 |
| Core capital (leverage) ratio | 15.3001% | 672 |
| Tier 1 risk-based capital ratio | 45.0553% | 180 |
| Total risk-based capital ratio | 46.3066% | 175 |
| Memoranda: | ||
| Average total assets | $342,656,750 | 1,947 |
| Average earning assets | $320,946,000 | 1,931 |
| Average equity | $46,546,000 | 1,701 |
| Average total loans | $90,703,250 | 3,424 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 4,912 |
| Cost of funding earning assets | 0.1987% | 5,078 |
| Net interest margin | 3.4297% | 3,800 |
| Noninterest income to average assets | 0.6435% | 1,950 |
| Noninterest expense to average assets | 2.2625% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2184% | 2,078 |
| Return on assets (ROA) | 1.2184% | 2,135 |
| Pretax return on assets | 1.5935% | 1,562 |
| Return on Equity (ROE) | 9.3744% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.0121% | 1,390 |
| Net charge-offs to loans | 0.1209% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 51.0545% | 1,078 |
| Efficiency ratio | 58.5725% | 3,925 |
| Assets per employee ($millions) | 4.4210% | 3,256 |
| Cash dividends to net income (ytd only)* | 14.5319% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 868 |
| Loan loss allowance to noncurrent loans | 46.1135% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2812% | 1,006 |
| Noncurrent loans to loans | 3.6282% | 220 |
| Net loans and leases to total assets | 27.2238% | 5,139 |
| Net loans and leases to deposits | 32.1671% | 5,148 |
| Net loans and leases to core deposits | 34.6830% | 5,136 |
| Total domestic deposits to total assets | 84.6323% | 2,625 |
| Equity capital to assets | 14.9116% | 837 |
| Core capital (leverage) ratio | 14.2105% | 905 |
| Tier 1 risk-based capital ratio | 45.2264% | 172 |
| Total risk-based capital ratio | 46.4781% | 171 |
| Memoranda: | ||
| Average total assets | $352,434,330 | 1,926 |
| Average earning assets | $330,117,000 | 1,906 |
| Average equity | $45,805,670 | 1,718 |
| Average total loans | $90,982,670 | 3,436 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 4,819 |
| Cost of funding earning assets | 0.1886% | 5,143 |
| Net interest margin | 3.5287% | 3,503 |
| Noninterest income to average assets | 0.6240% | 1,940 |
| Noninterest expense to average assets | 2.2577% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2742% | 1,799 |
| Return on assets (ROA) | 1.2742% | 1,845 |
| Pretax return on assets | 1.6674% | 1,291 |
| Return on Equity (ROE) | 10.4825% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.4825% | 925 |
| Net charge-offs to loans | 0.6798% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 9.8141% | 1,997 |
| Efficiency ratio | 57.3252% | 4,165 |
| Assets per employee ($millions) | 4.6969% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,243 |
| Loan loss allowance to noncurrent loans | 38.2022% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 1,020 |
| Noncurrent loans to loans | 4.0048% | 190 |
| Net loans and leases to total assets | 25.4701% | 5,215 |
| Net loans and leases to deposits | 29.4091% | 5,230 |
| Net loans and leases to core deposits | 31.3857% | 5,221 |
| Total domestic deposits to total assets | 86.6061% | 2,001 |
| Equity capital to assets | 13.0221% | 1,439 |
| Core capital (leverage) ratio | 11.9408% | 1,810 |
| Tier 1 risk-based capital ratio | 44.1521% | 177 |
| Total risk-based capital ratio | 45.4032% | 176 |
| Memoranda: | ||
| Average total assets | $367,283,500 | 1,889 |
| Average earning assets | $343,585,500 | 1,874 |
| Average equity | $44,646,000 | 1,749 |
| Average total loans | $91,796,000 | 3,454 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,071 |
| Cost of funding earning assets | 0.1662% | 5,129 |
| Net interest margin | 3.1492% | 4,575 |
| Noninterest income to average assets | 0.7207% | 1,769 |
| Noninterest expense to average assets | 2.4455% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8938% | 3,459 |
| Return on assets (ROA) | 0.8938% | 3,452 |
| Pretax return on assets | 1.1682% | 3,025 |
| Return on Equity (ROE) | 7.2494% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.5551% | 3,018 |
| Net charge-offs to loans | 0.0305% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 589 |
| Efficiency ratio | 67.3263% | 2,652 |
| Assets per employee ($millions) | 5.0303% | 2,459 |
| Cash dividends to net income (ytd only)* | 37.1653% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 872 |
| Loan loss allowance to noncurrent loans | 48.1217% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 1,311 |
| Noncurrent loans to loans | 3.4831% | 256 |
| Net loans and leases to total assets | 23.7838% | 5,281 |
| Net loans and leases to deposits | 26.9254% | 5,290 |
| Net loans and leases to core deposits | 28.5359% | 5,287 |
| Total domestic deposits to total assets | 88.3320% | 1,144 |
| Equity capital to assets | 11.3575% | 2,362 |
| Core capital (leverage) ratio | 13.8440% | 972 |
| Tier 1 risk-based capital ratio | 42.2804% | 202 |
| Total risk-based capital ratio | 43.5324% | 200 |
| Memoranda: | ||
| Average total assets | $342,586,200 | 1,940 |
| Average earning assets | $314,710,400 | 1,947 |
| Average equity | $42,238,200 | 1,774 |
| Average total loans | $95,206,800 | 3,384 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 5,021 |
| Cost of funding earning assets | 0.1680% | 5,151 |
| Net interest margin | 3.2433% | 4,421 |
| Noninterest income to average assets | 0.7267% | 1,765 |
| Noninterest expense to average assets | 2.5211% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9058% | 3,500 |
| Return on assets (ROA) | 0.9058% | 3,505 |
| Pretax return on assets | 1.1764% | 3,087 |
| Return on Equity (ROE) | 7.1842% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.5566% | 2,922 |
| Net charge-offs to loans | 0.1043% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 39.1324% | 1,378 |
| Efficiency ratio | 67.8374% | 2,566 |
| Assets per employee ($millions) | 3.9866% | 3,910 |
| Cash dividends to net income (ytd only)* | 22.6549% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 980 |
| Loan loss allowance to noncurrent loans | 52.2222% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 1,163 |
| Noncurrent loans to loans | 3.1462% | 334 |
| Net loans and leases to total assets | 29.7163% | 5,284 |
| Net loans and leases to deposits | 34.7140% | 5,290 |
| Net loans and leases to core deposits | 37.0127% | 5,283 |
| Total domestic deposits to total assets | 85.6032% | 2,357 |
| Equity capital to assets | 13.8542% | 1,003 |
| Core capital (leverage) ratio | 15.0931% | 684 |
| Tier 1 risk-based capital ratio | 42.0528% | 202 |
| Total risk-based capital ratio | 43.3050% | 199 |
| Memoranda: | ||
| Average total assets | $332,657,000 | 1,984 |
| Average earning assets | $304,706,250 | 2,007 |
| Average equity | $41,942,750 | 1,789 |
| Average total loans | $95,889,500 | 3,410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2815% | 5,153 |
| Cost of funding earning assets | 0.1636% | 5,187 |
| Net interest margin | 3.1179% | 4,696 |
| Noninterest income to average assets | 0.7088% | 1,838 |
| Noninterest expense to average assets | 2.4084% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8875% | 3,508 |
| Return on assets (ROA) | 0.8875% | 3,513 |
| Pretax return on assets | 1.1485% | 3,138 |
| Return on Equity (ROE) | 7.2499% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.8078% | 3,182 |
| Net charge-offs to loans | 0.0596% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 67.8276% | 929 |
| Efficiency ratio | 67.3670% | 2,752 |
| Assets per employee ($millions) | 3.9725% | 3,944 |
| Cash dividends to net income (ytd only)* | 33.6842% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,030 |
| Loan loss allowance to noncurrent loans | 46.7995% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3355% | 1,050 |
| Noncurrent loans to loans | 3.4806% | 282 |
| Net loans and leases to total assets | 30.6020% | 5,308 |
| Net loans and leases to deposits | 35.6484% | 5,324 |
| Net loans and leases to core deposits | 37.9696% | 5,324 |
| Total domestic deposits to total assets | 85.8439% | 2,345 |
| Equity capital to assets | 13.6752% | 1,033 |
| Core capital (leverage) ratio | 14.3275% | 820 |
| Tier 1 risk-based capital ratio | 40.5015% | 221 |
| Total risk-based capital ratio | 41.7532% | 220 |
| Memoranda: | ||
| Average total assets | $342,547,670 | 1,960 |
| Average earning assets | $312,902,670 | 1,973 |
| Average equity | $41,931,670 | 1,795 |
| Average total loans | $97,339,330 | 3,387 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 5,232 |
| Cost of funding earning assets | 0.1576% | 5,233 |
| Net interest margin | 3.0457% | 4,803 |
| Noninterest income to average assets | 0.6850% | 1,893 |
| Noninterest expense to average assets | 2.3044% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8878% | 3,347 |
| Return on assets (ROA) | 0.8878% | 3,357 |
| Pretax return on assets | 1.1439% | 2,992 |
| Return on Equity (ROE) | 7.6318% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.6318% | 1,979 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4738% | 3,086 |
| Assets per employee ($millions) | 4.2476% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,094 |
| Loan loss allowance to noncurrent loans | 43.0011% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.4196% | 1,009 |
| Noncurrent loans to loans | 3.7923% | 272 |
| Net loans and leases to total assets | 29.1226% | 5,387 |
| Net loans and leases to deposits | 33.5505% | 5,400 |
| Net loans and leases to core deposits | 35.5575% | 5,402 |
| Total domestic deposits to total assets | 86.8021% | 2,205 |
| Equity capital to assets | 12.7965% | 1,342 |
| Core capital (leverage) ratio | 12.3677% | 1,446 |
| Tier 1 risk-based capital ratio | 39.1023% | 240 |
| Total risk-based capital ratio | 40.3536% | 236 |
| Memoranda: | ||
| Average total assets | $360,880,500 | 1,893 |
| Average earning assets | $327,409,500 | 1,935 |
| Average equity | $41,982,500 | 1,798 |
| Average total loans | $98,431,000 | 3,391 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1293% | 5,258 |
| Cost of funding earning assets | 0.1662% | 5,178 |
| Net interest margin | 2.9631% | 4,959 |
| Noninterest income to average assets | 0.7391% | 1,808 |
| Noninterest expense to average assets | 2.6089% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3748% | 4,769 |
| Return on assets (ROA) | 0.3748% | 4,785 |
| Pretax return on assets | 0.8311% | 4,158 |
| Return on Equity (ROE) | 2.9126% | 4,853 |
| Retained earnings to average equity (ytd only) | 0.7129% | 4,753 |
| Net charge-offs to loans | 0.2156% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.9739% | 2,519 |
| Efficiency ratio | 75.4628% | 1,699 |
| Assets per employee ($millions) | 5.1934% | 2,258 |
| Cash dividends to net income (ytd only)* | 75.5233% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 1,190 |
| Loan loss allowance to noncurrent loans | 43.7275% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 1,326 |
| Noncurrent loans to loans | 3.6098% | 276 |
| Net loans and leases to total assets | 24.9443% | 5,516 |
| Net loans and leases to deposits | 28.0229% | 5,539 |
| Net loans and leases to core deposits | 29.4021% | 5,539 |
| Total domestic deposits to total assets | 89.0140% | 1,000 |
| Equity capital to assets | 10.6695% | 2,975 |
| Core capital (leverage) ratio | 14.1954% | 796 |
| Tier 1 risk-based capital ratio | 38.5973% | 244 |
| Total risk-based capital ratio | 39.8495% | 237 |
| Memoranda: | ||
| Average total assets | $331,363,000 | 2,003 |
| Average earning assets | $302,044,400 | 2,032 |
| Average equity | $42,642,600 | 1,747 |
| Average total loans | $106,663,200 | 3,235 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2818% | 5,136 |
| Cost of funding earning assets | 0.1719% | 5,182 |
| Net interest margin | 3.1099% | 4,686 |
| Noninterest income to average assets | 0.7838% | 1,640 |
| Noninterest expense to average assets | 2.6368% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6579% | 4,166 |
| Return on assets (ROA) | 0.6579% | 4,218 |
| Pretax return on assets | 1.0070% | 3,659 |
| Return on Equity (ROE) | 4.8532% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.8775% | 3,613 |
| Net charge-offs to loans | 0.1354% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.6641% | 1,903 |
| Efficiency ratio | 71.9935% | 2,205 |
| Assets per employee ($millions) | 3.7073% | 4,440 |
| Cash dividends to net income (ytd only)* | 20.1026% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,174 |
| Loan loss allowance to noncurrent loans | 51.4225% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 1,084 |
| Noncurrent loans to loans | 3.1691% | 374 |
| Net loans and leases to total assets | 35.9270% | 5,352 |
| Net loans and leases to deposits | 42.7203% | 5,349 |
| Net loans and leases to core deposits | 45.6796% | 5,320 |
| Total domestic deposits to total assets | 84.0982% | 3,084 |
| Equity capital to assets | 15.3150% | 671 |
| Core capital (leverage) ratio | 15.6196% | 559 |
| Tier 1 risk-based capital ratio | 37.7083% | 267 |
| Total risk-based capital ratio | 38.9608% | 260 |
| Memoranda: | ||
| Average total assets | $315,530,000 | 2,098 |
| Average earning assets | $290,160,750 | 2,111 |
| Average equity | $42,775,250 | 1,755 |
| Average total loans | $108,320,750 | 3,235 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 5,259 |
| Cost of funding earning assets | 0.1676% | 5,225 |
| Net interest margin | 3.0155% | 4,875 |
| Noninterest income to average assets | 0.7575% | 1,739 |
| Noninterest expense to average assets | 2.5280% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6518% | 4,071 |
| Return on assets (ROA) | 0.6518% | 4,125 |
| Pretax return on assets | 1.0038% | 3,558 |
| Return on Equity (ROE) | 4.9976% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.5233% | 3,613 |
| Net charge-offs to loans | -0.0492% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1950% | 2,482 |
| Assets per employee ($millions) | 3.6487% | 4,511 |
| Cash dividends to net income (ytd only)* | 29.5005% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,058 |
| Loan loss allowance to noncurrent loans | 64.9682% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3897% | 1,134 |
| Noncurrent loans to loans | 2.6207% | 545 |
| Net loans and leases to total assets | 37.2449% | 5,326 |
| Net loans and leases to deposits | 44.2523% | 5,330 |
| Net loans and leases to core deposits | 47.5306% | 5,298 |
| Total domestic deposits to total assets | 84.1649% | 3,136 |
| Equity capital to assets | 15.2993% | 654 |
| Core capital (leverage) ratio | 14.9431% | 644 |
| Tier 1 risk-based capital ratio | 36.7087% | 270 |
| Total risk-based capital ratio | 37.9624% | 267 |
| Memoranda: | ||
| Average total assets | $325,551,670 | 2,051 |
| Average earning assets | $299,517,670 | 2,060 |
| Average equity | $42,460,670 | 1,759 |
| Average total loans | $109,675,000 | 3,227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0295% | 5,436 |
| Cost of funding earning assets | 0.1600% | 5,300 |
| Net interest margin | 2.8695% | 5,140 |
| Noninterest income to average assets | 0.7051% | 1,942 |
| Noninterest expense to average assets | 2.4345% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6208% | 4,057 |
| Return on assets (ROA) | 0.6208% | 4,109 |
| Pretax return on assets | 0.9028% | 3,758 |
| Return on Equity (ROE) | 5.1240% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.1240% | 2,816 |
| Net charge-offs to loans | 0.0579% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 48.8125% | 912 |
| Efficiency ratio | 72.5667% | 2,477 |
| Assets per employee ($millions) | 4.0096% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,283 |
| Loan loss allowance to noncurrent loans | 58.1765% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 1,137 |
| Noncurrent loans to loans | 2.8155% | 511 |
| Net loans and leases to total assets | 33.9919% | 5,470 |
| Net loans and leases to deposits | 39.4455% | 5,489 |
| Net loans and leases to core deposits | 42.0044% | 5,467 |
| Total domestic deposits to total assets | 86.1743% | 2,593 |
| Equity capital to assets | 13.3885% | 1,111 |
| Core capital (leverage) ratio | 12.2903% | 1,452 |
| Tier 1 risk-based capital ratio | 36.0925% | 297 |
| Total risk-based capital ratio | 37.3451% | 289 |
| Memoranda: | ||
| Average total assets | $346,030,000 | 1,958 |
| Average earning assets | $317,409,500 | 1,982 |
| Average equity | $41,920,500 | 1,781 |
| Average total loans | $110,596,000 | 3,241 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 5,358 |
| Cost of funding earning assets | 0.1645% | 5,323 |
| Net interest margin | 2.9849% | 4,993 |
| Noninterest income to average assets | 0.7451% | 1,973 |
| Noninterest expense to average assets | 2.5725% | 3,766 |
| Loan and lease loss provision to assets | 0.2805% | 712 |
| Net operating income to assets | 0.4204% | 4,874 |
| Return on assets (ROA) | 0.4206% | 4,956 |
| Pretax return on assets | 0.6472% | 4,662 |
| Return on Equity (ROE) | 3.0673% | 5,140 |
| Retained earnings to average equity (ytd only) | 0.9015% | 4,961 |
| Net charge-offs to loans | 0.8888% | 215 |
| Credit loss provision to net charge-offs | 86.2573% | 2,868 |
| Earnings coverage of net charge-offs (x) | 2.8519% | 3,763 |
| Efficiency ratio | 73.1142% | 2,413 |
| Assets per employee ($millions) | 4.8116% | 2,633 |
| Cash dividends to net income (ytd only)* | 70.6104% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 1,327 |
| Loan loss allowance to noncurrent loans | 69.9536% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 1,726 |
| Noncurrent loans to loans | 2.3146% | 712 |
| Net loans and leases to total assets | 29.2879% | 5,653 |
| Net loans and leases to deposits | 33.0449% | 5,695 |
| Net loans and leases to core deposits | 34.7358% | 5,696 |
| Total domestic deposits to total assets | 88.6305% | 1,307 |
| Equity capital to assets | 11.0396% | 2,605 |
| Core capital (leverage) ratio | 14.5375% | 688 |
| Tier 1 risk-based capital ratio | 34.9611% | 321 |
| Total risk-based capital ratio | 36.2138% | 317 |
| Memoranda: | ||
| Average total assets | $315,531,600 | 2,090 |
| Average earning assets | $291,194,800 | 2,092 |
| Average equity | $43,262,400 | 1,716 |
| Average total loans | $115,439,200 | 3,136 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 5,157 |
| Cost of funding earning assets | 0.1705% | 5,347 |
| Net interest margin | 3.1642% | 4,595 |
| Noninterest income to average assets | 0.7758% | 1,862 |
| Noninterest expense to average assets | 2.7004% | 3,345 |
| Loan and lease loss provision to assets | 0.3926% | 373 |
| Net operating income to assets | 0.4069% | 4,998 |
| Return on assets (ROA) | 0.4072% | 5,090 |
| Pretax return on assets | 0.6143% | 4,840 |
| Return on Equity (ROE) | 2.7996% | 5,273 |
| Retained earnings to average equity (ytd only) | 1.8450% | 4,761 |
| Net charge-offs to loans | 0.8891% | 203 |
| Credit loss provision to net charge-offs | 114.0464% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.9240% | 3,496 |
| Efficiency ratio | 72.4662% | 2,501 |
| Assets per employee ($millions) | 3.5557% | 4,713 |
| Cash dividends to net income (ytd only)* | 34.0956% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8141% | 992 |
| Loan loss allowance to noncurrent loans | 69.1172% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 1,487 |
| Noncurrent loans to loans | 2.6246% | 641 |
| Net loans and leases to total assets | 40.1824% | 5,368 |
| Net loans and leases to deposits | 48.0998% | 5,374 |
| Net loans and leases to core deposits | 51.3479% | 5,336 |
| Total domestic deposits to total assets | 83.5395% | 3,381 |
| Equity capital to assets | 15.8547% | 576 |
| Core capital (leverage) ratio | 15.9241% | 486 |
| Tier 1 risk-based capital ratio | 35.6609% | 316 |
| Total risk-based capital ratio | 36.9164% | 315 |
| Memoranda: | ||
| Average total assets | $300,589,000 | 2,173 |
| Average earning assets | $278,438,500 | 2,168 |
| Average equity | $43,720,000 | 1,709 |
| Average total loans | $116,367,250 | 3,134 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 5,343 |
| Cost of funding earning assets | 0.1647% | 5,461 |
| Net interest margin | 3.1048% | 4,820 |
| Noninterest income to average assets | 0.7810% | 1,803 |
| Noninterest expense to average assets | 2.5706% | 3,818 |
| Loan and lease loss provision to assets | 0.2270% | 906 |
| Net operating income to assets | 0.5645% | 4,422 |
| Return on assets (ROA) | 0.5650% | 4,540 |
| Pretax return on assets | 0.8582% | 4,089 |
| Return on Equity (ROE) | 3.9921% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.5575% | 4,263 |
| Net charge-offs to loans | 0.1602% | 1,370 |
| Credit loss provision to net charge-offs | 372.3404% | 820 |
| Earnings coverage of net charge-offs (x) | 17.7872% | 1,861 |
| Efficiency ratio | 69.9556% | 2,991 |
| Assets per employee ($millions) | 3.5350% | 4,697 |
| Cash dividends to net income (ytd only)* | 35.9357% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 904 |
| Loan loss allowance to noncurrent loans | 58.6702% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5928% | 1,166 |
| Noncurrent loans to loans | 3.2309% | 438 |
| Net loans and leases to total assets | 40.8833% | 5,383 |
| Net loans and leases to deposits | 48.8535% | 5,387 |
| Net loans and leases to core deposits | 52.5533% | 5,344 |
| Total domestic deposits to total assets | 83.6856% | 3,389 |
| Equity capital to assets | 15.7676% | 581 |
| Core capital (leverage) ratio | 15.1683% | 580 |
| Tier 1 risk-based capital ratio | 35.1322% | 333 |
| Total risk-based capital ratio | 36.3889% | 327 |
| Memoranda: | ||
| Average total assets | $308,337,670 | 2,130 |
| Average earning assets | $285,426,330 | 2,140 |
| Average equity | $43,636,000 | 1,712 |
| Average total loans | $117,322,330 | 3,122 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0908% | 5,615 |
| Cost of funding earning assets | 0.1540% | 5,581 |
| Net interest margin | 2.9368% | 5,244 |
| Noninterest income to average assets | 0.7508% | 1,818 |
| Noninterest expense to average assets | 2.4827% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6541% | 3,958 |
| Return on assets (ROA) | 0.6541% | 4,078 |
| Pretax return on assets | 0.9849% | 3,532 |
| Return on Equity (ROE) | 4.8622% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.8622% | 3,027 |
| Net charge-offs to loans | 0.2003% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.4746% | 1,734 |
| Efficiency ratio | 71.2040% | 2,916 |
| Assets per employee ($millions) | 3.7067% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,563 |
| Loan loss allowance to noncurrent loans | 57.5998% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 1,414 |
| Noncurrent loans to loans | 2.8049% | 617 |
| Net loans and leases to total assets | 39.8291% | 5,459 |
| Net loans and leases to deposits | 47.2113% | 5,455 |
| Net loans and leases to core deposits | 50.5800% | 5,422 |
| Total domestic deposits to total assets | 84.3634% | 3,373 |
| Equity capital to assets | 15.1686% | 661 |
| Core capital (leverage) ratio | 12.8810% | 1,208 |
| Tier 1 risk-based capital ratio | 35.0751% | 333 |
| Total risk-based capital ratio | 36.3286% | 328 |
| Memoranda: | ||
| Average total assets | $322,875,000 | 2,068 |
| Average earning assets | $298,692,500 | 2,068 |
| Average equity | $43,437,500 | 1,716 |
| Average total loans | $117,794,500 | 3,121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,375 |
| Cost of funding earning assets | 0.1706% | 5,531 |
| Net interest margin | 3.1122% | 4,873 |
| Noninterest income to average assets | 0.8826% | 1,492 |
| Noninterest expense to average assets | 2.7008% | 3,578 |
| Loan and lease loss provision to assets | 0.1329% | 1,795 |
| Net operating income to assets | 0.5895% | 4,329 |
| Return on assets (ROA) | 0.5895% | 4,423 |
| Pretax return on assets | 0.9102% | 3,795 |
| Return on Equity (ROE) | 4.1557% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.9607% | 4,610 |
| Net charge-offs to loans | 0.1758% | 1,633 |
| Credit loss provision to net charge-offs | 188.6792% | 1,463 |
| Earnings coverage of net charge-offs (x) | 14.8066% | 2,262 |
| Efficiency ratio | 71.7646% | 2,942 |
| Assets per employee ($millions) | 4.5721% | 2,920 |
| Cash dividends to net income (ytd only)* | 52.8185% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 1,486 |
| Loan loss allowance to noncurrent loans | 64.7195% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 1,577 |
| Noncurrent loans to loans | 2.5417% | 716 |
| Net loans and leases to total assets | 32.6933% | 5,818 |
| Net loans and leases to deposits | 37.3229% | 5,854 |
| Net loans and leases to core deposits | 39.2137% | 5,846 |
| Total domestic deposits to total assets | 87.5957% | 1,847 |
| Equity capital to assets | 12.0627% | 1,914 |
| Core capital (leverage) ratio | 14.7563% | 661 |
| Tier 1 risk-based capital ratio | 34.1227% | 358 |
| Total risk-based capital ratio | 35.3768% | 350 |
| Memoranda: | ||
| Average total assets | $300,915,400 | 2,143 |
| Average earning assets | $276,652,600 | 2,157 |
| Average equity | $42,688,800 | 1,712 |
| Average total loans | $120,585,200 | 3,042 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,126 |
| Cost of funding earning assets | 0.1786% | 5,565 |
| Net interest margin | 3.2577% | 4,494 |
| Noninterest income to average assets | 0.9436% | 1,334 |
| Noninterest expense to average assets | 2.7652% | 3,326 |
| Loan and lease loss provision to assets | 0.0697% | 2,780 |
| Net operating income to assets | 0.7182% | 3,829 |
| Return on assets (ROA) | 0.7182% | 3,929 |
| Pretax return on assets | 1.0997% | 3,231 |
| Return on Equity (ROE) | 4.8380% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,718 |
| Net charge-offs to loans | 0.1619% | 1,531 |
| Credit loss provision to net charge-offs | 102.0408% | 2,221 |
| Earnings coverage of net charge-offs (x) | 17.1220% | 2,072 |
| Efficiency ratio | 69.9020% | 3,227 |
| Assets per employee ($millions) | 3.4254% | 4,934 |
| Cash dividends to net income (ytd only)* | 20.1811% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 2,244 |
| Loan loss allowance to noncurrent loans | 72.7835% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 1,281 |
| Noncurrent loans to loans | 2.0323% | 1,136 |
| Net loans and leases to total assets | 44.5701% | 5,321 |
| Net loans and leases to deposits | 53.7724% | 5,267 |
| Net loans and leases to core deposits | 57.3260% | 5,232 |
| Total domestic deposits to total assets | 82.8866% | 3,850 |
| Equity capital to assets | 16.4900% | 493 |
| Core capital (leverage) ratio | 16.2632% | 454 |
| Tier 1 risk-based capital ratio | 34.4004% | 367 |
| Total risk-based capital ratio | 35.6525% | 363 |
| Memoranda: | ||
| Average total assets | $286,987,500 | 2,245 |
| Average earning assets | $263,495,500 | 2,259 |
| Average equity | $42,606,250 | 1,731 |
| Average total loans | $121,095,750 | 3,059 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 5,318 |
| Cost of funding earning assets | 0.1761% | 5,644 |
| Net interest margin | 3.1807% | 4,717 |
| Noninterest income to average assets | 0.9290% | 1,360 |
| Noninterest expense to average assets | 2.6899% | 3,627 |
| Loan and lease loss provision to assets | 0.0679% | 2,762 |
| Net operating income to assets | 0.7132% | 3,826 |
| Return on assets (ROA) | 0.7132% | 3,944 |
| Pretax return on assets | 1.0884% | 3,225 |
| Return on Equity (ROE) | 4.9680% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.4932% | 3,817 |
| Net charge-offs to loans | 0.2038% | 1,238 |
| Credit loss provision to net charge-offs | 80.6452% | 2,323 |
| Earnings coverage of net charge-offs (x) | 13.7419% | 2,105 |
| Efficiency ratio | 69.5660% | 3,404 |
| Assets per employee ($millions) | 3.5367% | 4,727 |
| Cash dividends to net income (ytd only)* | 29.6860% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,482 |
| Loan loss allowance to noncurrent loans | 67.7847% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.7860% | 1,295 |
| Noncurrent loans to loans | 2.1465% | 1,120 |
| Net loans and leases to total assets | 42.6699% | 5,457 |
| Net loans and leases to deposits | 50.7213% | 5,466 |
| Net loans and leases to core deposits | 54.0937% | 5,414 |
| Total domestic deposits to total assets | 84.1261% | 3,508 |
| Equity capital to assets | 15.3417% | 639 |
| Core capital (leverage) ratio | 15.8002% | 495 |
| Tier 1 risk-based capital ratio | 33.4971% | 409 |
| Total risk-based capital ratio | 34.7490% | 405 |
| Memoranda: | ||
| Average total assets | $294,732,330 | 2,210 |
| Average earning assets | $270,320,330 | 2,231 |
| Average equity | $42,310,670 | 1,747 |
| Average total loans | $121,687,670 | 3,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 5,573 |
| Cost of funding earning assets | 0.1732% | 5,742 |
| Net interest margin | 3.0684% | 5,031 |
| Noninterest income to average assets | 0.8864% | 1,430 |
| Noninterest expense to average assets | 2.5657% | 4,046 |
| Loan and lease loss provision to assets | 0.0658% | 2,622 |
| Net operating income to assets | 0.7075% | 3,758 |
| Return on assets (ROA) | 0.7075% | 3,885 |
| Pretax return on assets | 1.0731% | 3,200 |
| Return on Equity (ROE) | 5.0869% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.0869% | 3,015 |
| Net charge-offs to loans | 0.3648% | 674 |
| Credit loss provision to net charge-offs | 44.6429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 7.7321% | 2,140 |
| Efficiency ratio | 68.8676% | 3,686 |
| Assets per employee ($millions) | 3.5267% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 2,902 |
| Loan loss allowance to noncurrent loans | 52.2113% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.0285% | 1,168 |
| Noncurrent loans to loans | 2.6874% | 876 |
| Net loans and leases to total assets | 42.3402% | 5,460 |
| Net loans and leases to deposits | 50.1950% | 5,449 |
| Net loans and leases to core deposits | 53.4273% | 5,399 |
| Total domestic deposits to total assets | 84.3514% | 3,677 |
| Equity capital to assets | 15.1850% | 685 |
| Core capital (leverage) ratio | 13.5257% | 962 |
| Tier 1 risk-based capital ratio | 33.3625% | 411 |
| Total risk-based capital ratio | 34.6130% | 405 |
| Memoranda: | ||
| Average total assets | $304,167,500 | 2,174 |
| Average earning assets | $279,366,500 | 2,181 |
| Average equity | $42,305,000 | 1,755 |
| Average total loans | $122,807,500 | 3,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 5,107 |
| Cost of funding earning assets | 0.1901% | 5,835 |
| Net interest margin | 3.3998% | 4,204 |
| Noninterest income to average assets | 0.9314% | 1,409 |
| Noninterest expense to average assets | 2.8879% | 3,183 |
| Loan and lease loss provision to assets | 0.2474% | 930 |
| Net operating income to assets | 0.5878% | 4,435 |
| Return on assets (ROA) | 0.5878% | 4,509 |
| Pretax return on assets | 0.9060% | 3,882 |
| Return on Equity (ROE) | 4.0950% | 5,075 |
| Retained earnings to average equity (ytd only) | 1.7853% | 4,919 |
| Net charge-offs to loans | 0.7644% | 470 |
| Credit loss provision to net charge-offs | 71.9424% | 3,024 |
| Earnings coverage of net charge-offs (x) | 3.3535% | 3,909 |
| Efficiency ratio | 71.0837% | 3,358 |
| Assets per employee ($millions) | 4.1291% | 3,664 |
| Cash dividends to net income (ytd only)* | 56.4041% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 2,874 |
| Loan loss allowance to noncurrent loans | 41.6057% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.0230% | 1,255 |
| Noncurrent loans to loans | 3.4027% | 617 |
| Net loans and leases to total assets | 37.6139% | 5,874 |
| Net loans and leases to deposits | 43.3114% | 5,907 |
| Net loans and leases to core deposits | 45.6399% | 5,910 |
| Total domestic deposits to total assets | 86.8452% | 2,361 |
| Equity capital to assets | 12.8044% | 1,463 |
| Core capital (leverage) ratio | 15.5444% | 524 |
| Tier 1 risk-based capital ratio | 31.7344% | 441 |
| Total risk-based capital ratio | 32.9854% | 428 |
| Memoranda: | ||
| Average total assets | $282,906,800 | 2,253 |
| Average earning assets | $258,781,400 | 2,283 |
| Average equity | $40,610,400 | 1,755 |
| Average total loans | $127,293,000 | 2,915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,715 |
| Cost of funding earning assets | 0.1995% | 5,837 |
| Net interest margin | 3.5494% | 3,629 |
| Noninterest income to average assets | 0.9766% | 1,290 |
| Noninterest expense to average assets | 2.8628% | 3,251 |
| Loan and lease loss provision to assets | 0.1348% | 1,855 |
| Net operating income to assets | 0.7988% | 3,435 |
| Return on assets (ROA) | 0.7988% | 3,532 |
| Pretax return on assets | 1.2226% | 2,687 |
| Return on Equity (ROE) | 5.3899% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.3550% | 3,557 |
| Net charge-offs to loans | 0.3979% | 997 |
| Credit loss provision to net charge-offs | 71.9895% | 2,733 |
| Earnings coverage of net charge-offs (x) | 7.2513% | 2,949 |
| Efficiency ratio | 67.4640% | 3,944 |
| Assets per employee ($millions) | 3.1032% | 5,586 |
| Cash dividends to net income (ytd only)* | 19.2023% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 2,585 |
| Loan loss allowance to noncurrent loans | 39.7280% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.6685% | 951 |
| Noncurrent loans to loans | 3.8468% | 578 |
| Net loans and leases to total assets | 50.6739% | 4,926 |
| Net loans and leases to deposits | 61.5258% | 4,790 |
| Net loans and leases to core deposits | 66.5620% | 4,656 |
| Total domestic deposits to total assets | 82.3620% | 4,354 |
| Equity capital to assets | 16.9817% | 428 |
| Core capital (leverage) ratio | 17.1367% | 359 |
| Tier 1 risk-based capital ratio | 32.1306% | 434 |
| Total risk-based capital ratio | 33.3831% | 426 |
| Memoranda: | ||
| Average total assets | $272,083,250 | 2,361 |
| Average earning assets | $248,636,250 | 2,373 |
| Average equity | $40,321,000 | 1,778 |
| Average total loans | $128,001,500 | 2,916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 5,070 |
| Cost of funding earning assets | 0.1933% | 5,969 |
| Net interest margin | 3.4367% | 4,030 |
| Noninterest income to average assets | 0.9201% | 1,424 |
| Noninterest expense to average assets | 2.8101% | 3,462 |
| Loan and lease loss provision to assets | 0.1245% | 1,982 |
| Net operating income to assets | 0.7450% | 3,592 |
| Return on assets (ROA) | 0.7450% | 3,696 |
| Pretax return on assets | 1.1350% | 2,951 |
| Return on Equity (ROE) | 5.2502% | 4,553 |
| Retained earnings to average equity (ytd only) | 3.6806% | 3,849 |
| Net charge-offs to loans | 0.5147% | 789 |
| Credit loss provision to net charge-offs | 52.8701% | 2,755 |
| Earnings coverage of net charge-offs (x) | 5.3474% | 2,942 |
| Efficiency ratio | 68.6833% | 3,882 |
| Assets per employee ($millions) | 3.1990% | 5,429 |
| Cash dividends to net income (ytd only)* | 29.8949% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 3,021 |
| Loan loss allowance to noncurrent loans | 41.5157% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.4231% | 1,187 |
| Noncurrent loans to loans | 3.5457% | 743 |
| Net loans and leases to total assets | 49.1439% | 5,058 |
| Net loans and leases to deposits | 58.8915% | 4,964 |
| Net loans and leases to core deposits | 63.4015% | 4,872 |
| Total domestic deposits to total assets | 83.4481% | 4,130 |
| Equity capital to assets | 15.9826% | 558 |
| Core capital (leverage) ratio | 16.2733% | 441 |
| Tier 1 risk-based capital ratio | 31.3904% | 466 |
| Total risk-based capital ratio | 32.6423% | 462 |
| Memoranda: | ||
| Average total assets | $281,060,330 | 2,282 |
| Average earning assets | $257,573,000 | 2,302 |
| Average equity | $39,884,330 | 1,783 |
| Average total loans | $128,616,670 | 2,889 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 5,444 |
| Cost of funding earning assets | 0.1888% | 6,087 |
| Net interest margin | 3.3038% | 4,522 |
| Noninterest income to average assets | 0.8541% | 1,542 |
| Noninterest expense to average assets | 2.5787% | 4,344 |
| Loan and lease loss provision to assets | 0.0681% | 2,765 |
| Net operating income to assets | 0.8160% | 3,073 |
| Return on assets (ROA) | 0.8160% | 3,146 |
| Pretax return on assets | 1.2342% | 2,332 |
| Return on Equity (ROE) | 6.0850% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.0850% | 2,496 |
| Net charge-offs to loans | 0.2788% | 1,227 |
| Credit loss provision to net charge-offs | 55.5556% | 2,150 |
| Earnings coverage of net charge-offs (x) | 10.6222% | 1,846 |
| Efficiency ratio | 66.0583% | 4,519 |
| Assets per employee ($millions) | 3.3988% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 2,876 |
| Loan loss allowance to noncurrent loans | 49.6763% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0763% | 1,623 |
| Noncurrent loans to loans | 3.1448% | 988 |
| Net loans and leases to total assets | 45.6627% | 5,362 |
| Net loans and leases to deposits | 53.7177% | 5,311 |
| Net loans and leases to core deposits | 57.2445% | 5,264 |
| Total domestic deposits to total assets | 85.0050% | 3,866 |
| Equity capital to assets | 14.5202% | 784 |
| Core capital (leverage) ratio | 13.6683% | 928 |
| Tier 1 risk-based capital ratio | 31.3313% | 472 |
| Total risk-based capital ratio | 32.5844% | 464 |
| Memoranda: | ||
| Average total assets | $293,632,500 | 2,210 |
| Average earning assets | $269,020,000 | 2,227 |
| Average equity | $39,375,500 | 1,789 |
| Average total loans | $129,102,000 | 2,893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,936 |
| Cost of funding earning assets | 0.2024% | 6,277 |
| Net interest margin | 3.5600% | 3,636 |
| Noninterest income to average assets | 1.0019% | 1,389 |
| Noninterest expense to average assets | 2.8699% | 3,462 |
| Loan and lease loss provision to assets | 0.3218% | 1,023 |
| Net operating income to assets | 0.6973% | 3,805 |
| Return on assets (ROA) | 0.6973% | 3,901 |
| Pretax return on assets | 1.0738% | 3,053 |
| Return on Equity (ROE) | 4.8493% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.5191% | 4,460 |
| Net charge-offs to loans | 0.6979% | 925 |
| Credit loss provision to net charge-offs | 97.4026% | 2,550 |
| Earnings coverage of net charge-offs (x) | 4.2240% | 3,629 |
| Efficiency ratio | 66.9209% | 4,381 |
| Assets per employee ($millions) | 3.8514% | 4,155 |
| Cash dividends to net income (ytd only)* | 48.0513% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 2,921 |
| Loan loss allowance to noncurrent loans | 54.1223% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 1.7976% | 2,056 |
| Noncurrent loans to loans | 2.8812% | 1,218 |
| Net loans and leases to total assets | 41.1792% | 5,878 |
| Net loans and leases to deposits | 47.2187% | 5,941 |
| Net loans and leases to core deposits | 49.8709% | 5,946 |
| Total domestic deposits to total assets | 87.2095% | 2,620 |
| Equity capital to assets | 12.4299% | 1,549 |
| Core capital (leverage) ratio | 15.5498% | 533 |
| Tier 1 risk-based capital ratio | 30.0992% | 494 |
| Total risk-based capital ratio | 31.3525% | 492 |
| Memoranda: | ||
| Average total assets | $279,663,600 | 2,273 |
| Average earning assets | $256,376,400 | 2,276 |
| Average equity | $40,212,400 | 1,738 |
| Average total loans | $132,399,800 | 2,816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,636 |
| Cost of funding earning assets | 0.2089% | 6,364 |
| Net interest margin | 3.6522% | 3,223 |
| Noninterest income to average assets | 1.0309% | 1,372 |
| Noninterest expense to average assets | 2.7949% | 3,679 |
| Loan and lease loss provision to assets | 0.0736% | 3,586 |
| Net operating income to assets | 0.9922% | 2,406 |
| Return on assets (ROA) | 0.9922% | 2,500 |
| Pretax return on assets | 1.5179% | 1,552 |
| Return on Equity (ROE) | 6.6416% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.6130% | 2,651 |
| Net charge-offs to loans | 0.4345% | 1,477 |
| Credit loss provision to net charge-offs | 34.6420% | 3,810 |
| Earnings coverage of net charge-offs (x) | 7.4873% | 2,789 |
| Efficiency ratio | 63.3576% | 4,910 |
| Assets per employee ($millions) | 2.9441% | 5,934 |
| Cash dividends to net income (ytd only)* | 15.4873% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 4,224 |
| Loan loss allowance to noncurrent loans | 54.2456% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 1,855 |
| Noncurrent loans to loans | 2.4575% | 1,772 |
| Net loans and leases to total assets | 55.1217% | 4,442 |
| Net loans and leases to deposits | 66.6364% | 4,225 |
| Net loans and leases to core deposits | 72.0082% | 4,092 |
| Total domestic deposits to total assets | 82.7201% | 4,675 |
| Equity capital to assets | 16.6140% | 461 |
| Core capital (leverage) ratio | 17.0195% | 389 |
| Tier 1 risk-based capital ratio | 30.2117% | 506 |
| Total risk-based capital ratio | 31.4621% | 505 |
| Memoranda: | ||
| Average total assets | $271,588,000 | 2,347 |
| Average earning assets | $249,522,500 | 2,341 |
| Average equity | $40,571,250 | 1,735 |
| Average total loans | $132,874,750 | 2,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 5,184 |
| Cost of funding earning assets | 0.2019% | 6,464 |
| Net interest margin | 3.4849% | 3,838 |
| Noninterest income to average assets | 0.9865% | 1,569 |
| Noninterest expense to average assets | 2.7252% | 3,943 |
| Loan and lease loss provision to assets | 0.0708% | 3,620 |
| Net operating income to assets | 0.9348% | 2,642 |
| Return on assets (ROA) | 0.9348% | 2,777 |
| Pretax return on assets | 1.4026% | 1,920 |
| Return on Equity (ROE) | 6.4615% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.9305% | 3,098 |
| Net charge-offs to loans | 0.3209% | 1,900 |
| Credit loss provision to net charge-offs | 46.9484% | 3,274 |
| Earnings coverage of net charge-offs (x) | 9.7746% | 2,240 |
| Efficiency ratio | 64.5542% | 4,782 |
| Assets per employee ($millions) | 3.1881% | 5,507 |
| Cash dividends to net income (ytd only)* | 23.6942% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,775 |
| Loan loss allowance to noncurrent loans | 95.5326% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 2,862 |
| Noncurrent loans to loans | 1.5276% | 3,009 |
| Net loans and leases to total assets | 50.2645% | 5,082 |
| Net loans and leases to deposits | 59.8056% | 4,998 |
| Net loans and leases to core deposits | 64.3445% | 4,858 |
| Total domestic deposits to total assets | 84.0465% | 4,294 |
| Equity capital to assets | 15.4045% | 634 |
| Core capital (leverage) ratio | 15.0643% | 601 |
| Tier 1 risk-based capital ratio | 30.0104% | 517 |
| Total risk-based capital ratio | 31.2629% | 514 |
| Memoranda: | ||
| Average total assets | $282,626,000 | 2,271 |
| Average earning assets | $260,493,000 | 2,261 |
| Average equity | $40,888,330 | 1,723 |
| Average total loans | $132,757,330 | 2,825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 5,690 |
| Cost of funding earning assets | 0.1983% | 6,581 |
| Net interest margin | 3.3056% | 4,497 |
| Noninterest income to average assets | 0.9549% | 1,595 |
| Noninterest expense to average assets | 2.5632% | 4,519 |
| Loan and lease loss provision to assets | 0.0682% | 3,494 |
| Net operating income to assets | 0.9276% | 2,533 |
| Return on assets (ROA) | 0.9276% | 2,676 |
| Pretax return on assets | 1.3709% | 1,962 |
| Return on Equity (ROE) | 6.6024% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.6024% | 2,365 |
| Net charge-offs to loans | 0.5707% | 1,067 |
| Credit loss provision to net charge-offs | 26.4550% | 2,939 |
| Earnings coverage of net charge-offs (x) | 5.5820% | 2,351 |
| Efficiency ratio | 63.6673% | 5,058 |
| Assets per employee ($millions) | 3.6097% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,957 |
| Loan loss allowance to noncurrent loans | 100.9464% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 3,226 |
| Noncurrent loans to loans | 1.4498% | 3,389 |
| Net loans and leases to total assets | 45.3299% | 5,509 |
| Net loans and leases to deposits | 53.3350% | 5,492 |
| Net loans and leases to core deposits | 56.8622% | 5,444 |
| Total domestic deposits to total assets | 84.9909% | 4,045 |
| Equity capital to assets | 14.5620% | 862 |
| Core capital (leverage) ratio | 13.3610% | 994 |
| Tier 1 risk-based capital ratio | 30.4748% | 513 |
| Total risk-based capital ratio | 31.7276% | 502 |
| Memoranda: | ||
| Average total assets | $293,227,500 | 2,232 |
| Average earning assets | $270,331,500 | 2,211 |
| Average equity | $41,197,000 | 1,739 |
| Average total loans | $132,461,500 | 2,858 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8442% | 5,722 |
| Cost of funding earning assets | 0.2430% | 6,701 |
| Net interest margin | 3.6012% | 4,079 |
| Noninterest income to average assets | 0.9958% | 1,547 |
| Noninterest expense to average assets | 2.9253% | 3,548 |
| Loan and lease loss provision to assets | 0.3083% | 2,213 |
| Net operating income to assets | 0.6823% | 3,822 |
| Return on assets (ROA) | 0.6823% | 4,089 |
| Pretax return on assets | 1.0524% | 3,348 |
| Return on Equity (ROE) | 4.5904% | 4,885 |
| Retained earnings to average equity (ytd only) | 1.8157% | 4,945 |
| Net charge-offs to loans | 0.9036% | 1,258 |
| Credit loss provision to net charge-offs | 70.7744% | 4,134 |
| Earnings coverage of net charge-offs (x) | 3.1232% | 3,872 |
| Efficiency ratio | 67.8883% | 4,168 |
| Assets per employee ($millions) | 3.7661% | 4,433 |
| Cash dividends to net income (ytd only)* | 60.4466% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5396% | 3,573 |
| Loan loss allowance to noncurrent loans | 90.3863% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 3,148 |
| Noncurrent loans to loans | 1.7033% | 3,064 |
| Net loans and leases to total assets | 43.7050% | 5,841 |
| Net loans and leases to deposits | 50.7749% | 5,905 |
| Net loans and leases to core deposits | 53.8153% | 5,888 |
| Total domestic deposits to total assets | 86.0761% | 3,315 |
| Equity capital to assets | 13.5644% | 1,206 |
| Core capital (leverage) ratio | 15.3934% | 522 |
| Tier 1 risk-based capital ratio | 29.7150% | 525 |
| Total risk-based capital ratio | 30.9682% | 519 |
| Memoranda: | ||
| Average total assets | $275,668,600 | 2,300 |
| Average earning assets | $251,858,600 | 2,301 |
| Average equity | $40,976,400 | 1,707 |
| Average total loans | $132,919,600 | 2,828 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 5,619 |
| Cost of funding earning assets | 0.2591% | 6,774 |
| Net interest margin | 3.7060% | 3,771 |
| Noninterest income to average assets | 0.9824% | 1,551 |
| Noninterest expense to average assets | 2.8160% | 3,932 |
| Loan and lease loss provision to assets | 0.0743% | 4,728 |
| Net operating income to assets | 0.9700% | 2,660 |
| Return on assets (ROA) | 0.9700% | 2,878 |
| Pretax return on assets | 1.4781% | 1,964 |
| Return on Equity (ROE) | 6.3700% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.3523% | 3,125 |
| Net charge-offs to loans | 0.6078% | 1,815 |
| Credit loss provision to net charge-offs | 24.7934% | 4,887 |
| Earnings coverage of net charge-offs (x) | 5.1818% | 3,086 |
| Efficiency ratio | 64.1011% | 4,790 |
| Assets per employee ($millions) | 3.0826% | 5,890 |
| Cash dividends to net income (ytd only)* | 15.9775% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,072 |
| Loan loss allowance to noncurrent loans | 88.3017% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9699% | 2,690 |
| Noncurrent loans to loans | 1.6632% | 3,296 |
| Net loans and leases to total assets | 53.1858% | 4,879 |
| Net loans and leases to deposits | 64.5298% | 4,657 |
| Net loans and leases to core deposits | 70.0319% | 4,495 |
| Total domestic deposits to total assets | 82.4206% | 4,864 |
| Equity capital to assets | 16.9261% | 471 |
| Core capital (leverage) ratio | 16.6556% | 409 |
| Tier 1 risk-based capital ratio | 30.6805% | 497 |
| Total risk-based capital ratio | 31.9334% | 487 |
| Memoranda: | ||
| Average total assets | $269,263,750 | 2,372 |
| Average earning assets | $246,011,250 | 2,389 |
| Average equity | $41,003,500 | 1,717 |
| Average total loans | $132,715,250 | 2,861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 6,016 |
| Cost of funding earning assets | 0.2647% | 6,859 |
| Net interest margin | 3.5929% | 4,289 |
| Noninterest income to average assets | 0.9696% | 1,545 |
| Noninterest expense to average assets | 2.7072% | 4,385 |
| Loan and lease loss provision to assets | 0.0723% | 4,724 |
| Net operating income to assets | 0.9710% | 2,581 |
| Return on assets (ROA) | 0.9710% | 2,822 |
| Pretax return on assets | 1.4753% | 1,938 |
| Return on Equity (ROE) | 6.5951% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.0592% | 3,251 |
| Net charge-offs to loans | 0.5762% | 1,877 |
| Credit loss provision to net charge-offs | 26.1780% | 4,503 |
| Earnings coverage of net charge-offs (x) | 5.6073% | 2,798 |
| Efficiency ratio | 63.2705% | 5,035 |
| Assets per employee ($millions) | 3.1882% | 5,671 |
| Cash dividends to net income (ytd only)* | 23.2887% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,600 |
| Loan loss allowance to noncurrent loans | 85.3933% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0024% | 2,775 |
| Noncurrent loans to loans | 1.8759% | 3,107 |
| Net loans and leases to total assets | 50.6172% | 5,279 |
| Net loans and leases to deposits | 60.6325% | 5,182 |
| Net loans and leases to core deposits | 65.3830% | 5,070 |
| Total domestic deposits to total assets | 83.4820% | 4,538 |
| Equity capital to assets | 15.9824% | 582 |
| Core capital (leverage) ratio | 15.5503% | 519 |
| Tier 1 risk-based capital ratio | 30.3094% | 505 |
| Total risk-based capital ratio | 31.5638% | 499 |
| Memoranda: | ||
| Average total assets | $276,816,000 | 2,322 |
| Average earning assets | $253,111,000 | 2,327 |
| Average equity | $40,757,670 | 1,715 |
| Average total loans | $132,582,000 | 2,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7783% | 6,299 |
| Cost of funding earning assets | 0.2763% | 6,919 |
| Net interest margin | 3.5019% | 4,688 |
| Noninterest income to average assets | 0.9325% | 1,621 |
| Noninterest expense to average assets | 2.5040% | 5,139 |
| Loan and lease loss provision to assets | 0.0699% | 4,533 |
| Net operating income to assets | 1.0528% | 2,273 |
| Return on assets (ROA) | 1.0528% | 2,466 |
| Pretax return on assets | 1.5659% | 1,683 |
| Return on Equity (ROE) | 7.4371% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.4371% | 2,207 |
| Net charge-offs to loans | 0.2235% | 2,806 |
| Credit loss provision to net charge-offs | 67.5676% | 2,963 |
| Earnings coverage of net charge-offs (x) | 15.8108% | 1,402 |
| Efficiency ratio | 60.1148% | 5,597 |
| Assets per employee ($millions) | 3.3153% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,969 |
| Loan loss allowance to noncurrent loans | 76.8191% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 2,881 |
| Noncurrent loans to loans | 2.3517% | 2,745 |
| Net loans and leases to total assets | 48.2937% | 5,516 |
| Net loans and leases to deposits | 57.2412% | 5,462 |
| Net loans and leases to core deposits | 63.1429% | 5,209 |
| Total domestic deposits to total assets | 84.3688% | 4,339 |
| Equity capital to assets | 15.1676% | 718 |
| Core capital (leverage) ratio | 13.6894% | 880 |
| Tier 1 risk-based capital ratio | 30.3005% | 505 |
| Total risk-based capital ratio | 31.5575% | 500 |
| Memoranda: | ||
| Average total assets | $286,101,000 | 2,277 |
| Average earning assets | $262,026,000 | 2,265 |
| Average equity | $40,499,500 | 1,716 |
| Average total loans | $132,450,500 | 2,899 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 6,451 |
| Cost of funding earning assets | 0.3799% | 6,944 |
| Net interest margin | 3.6204% | 4,651 |
| Noninterest income to average assets | 0.9684% | 1,454 |
| Noninterest expense to average assets | 2.9183% | 3,885 |
| Loan and lease loss provision to assets | 0.2379% | 3,831 |
| Net operating income to assets | 0.7181% | 3,399 |
| Return on assets (ROA) | 0.7181% | 3,572 |
| Pretax return on assets | 1.1115% | 2,793 |
| Return on Equity (ROE) | 4.9351% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.5757% | 4,392 |
| Net charge-offs to loans | 0.4869% | 3,047 |
| Credit loss provision to net charge-offs | 99.2366% | 3,606 |
| Earnings coverage of net charge-offs (x) | 5.6290% | 2,729 |
| Efficiency ratio | 68.0130% | 4,353 |
| Assets per employee ($millions) | 3.5310% | 4,942 |
| Cash dividends to net income (ytd only)* | 47.8084% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,828 |
| Loan loss allowance to noncurrent loans | 82.7042% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 3,400 |
| Noncurrent loans to loans | 2.1938% | 2,957 |
| Net loans and leases to total assets | 42.9481% | 6,305 |
| Net loans and leases to deposits | 49.7196% | 6,378 |
| Net loans and leases to core deposits | 55.5264% | 6,186 |
| Total domestic deposits to total assets | 86.3806% | 3,091 |
| Equity capital to assets | 13.2608% | 1,376 |
| Core capital (leverage) ratio | 15.1325% | 582 |
| Tier 1 risk-based capital ratio | 29.4155% | 544 |
| Total risk-based capital ratio | 30.6725% | 536 |
| Memoranda: | ||
| Average total assets | $273,237,200 | 2,316 |
| Average earning assets | $249,003,600 | 2,312 |
| Average equity | $39,755,800 | 1,703 |
| Average total loans | $134,529,800 | 2,910 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 6,356 |
| Cost of funding earning assets | 0.4126% | 6,988 |
| Net interest margin | 3.7118% | 4,282 |
| Noninterest income to average assets | 1.0164% | 1,303 |
| Noninterest expense to average assets | 2.8475% | 4,151 |
| Loan and lease loss provision to assets | 0.0753% | 5,508 |
| Net operating income to assets | 0.9597% | 2,485 |
| Return on assets (ROA) | 0.9597% | 2,653 |
| Pretax return on assets | 1.4757% | 1,717 |
| Return on Equity (ROE) | 6.4330% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.3799% | 2,925 |
| Net charge-offs to loans | 0.4179% | 3,048 |
| Credit loss provision to net charge-offs | 35.4610% | 5,335 |
| Earnings coverage of net charge-offs (x) | 7.3049% | 2,383 |
| Efficiency ratio | 64.3729% | 5,000 |
| Assets per employee ($millions) | 2.9039% | 6,302 |
| Cash dividends to net income (ytd only)* | 16.3702% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 3,679 |
| Loan loss allowance to noncurrent loans | 66.2338% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2971% | 2,788 |
| Noncurrent loans to loans | 2.4126% | 2,871 |
| Net loans and leases to total assets | 53.4394% | 5,253 |
| Net loans and leases to deposits | 64.5459% | 5,102 |
| Net loans and leases to core deposits | 74.7586% | 4,346 |
| Total domestic deposits to total assets | 82.7929% | 4,760 |
| Equity capital to assets | 16.5852% | 533 |
| Core capital (leverage) ratio | 16.2883% | 468 |
| Tier 1 risk-based capital ratio | 29.6879% | 559 |
| Total risk-based capital ratio | 30.9425% | 546 |
| Memoranda: | ||
| Average total assets | $265,631,000 | 2,385 |
| Average earning assets | $242,030,250 | 2,387 |
| Average equity | $39,627,750 | 1,704 |
| Average total loans | $134,955,500 | 2,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 6,594 |
| Cost of funding earning assets | 0.4270% | 7,070 |
| Net interest margin | 3.6146% | 4,662 |
| Noninterest income to average assets | 0.9915% | 1,345 |
| Noninterest expense to average assets | 2.8371% | 4,282 |
| Loan and lease loss provision to assets | 0.0736% | 5,390 |
| Net operating income to assets | 0.9070% | 2,611 |
| Return on assets (ROA) | 0.9070% | 2,713 |
| Pretax return on assets | 1.3873% | 1,829 |
| Return on Equity (ROE) | 6.2922% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.6949% | 3,201 |
| Net charge-offs to loans | 0.4406% | 2,810 |
| Credit loss provision to net charge-offs | 33.5570% | 4,931 |
| Earnings coverage of net charge-offs (x) | 6.6644% | 2,357 |
| Efficiency ratio | 65.6512% | 4,944 |
| Assets per employee ($millions) | 2.9989% | 6,093 |
| Cash dividends to net income (ytd only)* | 25.3852% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 3,566 |
| Loan loss allowance to noncurrent loans | 91.4981% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 3,202 |
| Noncurrent loans to loans | 1.7861% | 3,774 |
| Net loans and leases to total assets | 52.3513% | 5,526 |
| Net loans and leases to deposits | 62.5170% | 5,447 |
| Net loans and leases to core deposits | 73.7612% | 4,606 |
| Total domestic deposits to total assets | 83.7393% | 4,453 |
| Equity capital to assets | 15.7162% | 657 |
| Core capital (leverage) ratio | 15.3290% | 614 |
| Tier 1 risk-based capital ratio | 28.9027% | 605 |
| Total risk-based capital ratio | 30.1577% | 594 |
| Memoranda: | ||
| Average total assets | $271,898,330 | 2,353 |
| Average earning assets | $248,712,670 | 2,341 |
| Average equity | $39,191,330 | 1,713 |
| Average total loans | $135,258,670 | 2,940 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 6,924 |
| Cost of funding earning assets | 0.4339% | 7,150 |
| Net interest margin | 3.3888% | 5,470 |
| Noninterest income to average assets | 0.9715% | 1,408 |
| Noninterest expense to average assets | 2.6577% | 5,003 |
| Loan and lease loss provision to assets | 0.0713% | 5,112 |
| Net operating income to assets | 0.8873% | 2,630 |
| Return on assets (ROA) | 0.8873% | 2,696 |
| Pretax return on assets | 1.3509% | 1,881 |
| Return on Equity (ROE) | 6.4196% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.4196% | 2,410 |
| Net charge-offs to loans | 0.3436% | 2,688 |
| Credit loss provision to net charge-offs | 43.1034% | 3,888 |
| Earnings coverage of net charge-offs (x) | 8.5948% | 1,810 |
| Efficiency ratio | 64.7552% | 5,225 |
| Assets per employee ($millions) | 3.1445% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 3,246 |
| Loan loss allowance to noncurrent loans | 92.5897% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 3,901 |
| Noncurrent loans to loans | 1.8672% | 3,737 |
| Net loans and leases to total assets | 50.5508% | 5,774 |
| Net loans and leases to deposits | 59.6420% | 5,758 |
| Net loans and leases to core deposits | 69.7551% | 5,073 |
| Total domestic deposits to total assets | 84.7571% | 4,148 |
| Equity capital to assets | 14.7716% | 818 |
| Core capital (leverage) ratio | 14.0051% | 847 |
| Tier 1 risk-based capital ratio | 28.8865% | 584 |
| Total risk-based capital ratio | 30.1426% | 568 |
| Memoranda: | ||
| Average total assets | $280,396,000 | 2,302 |
| Average earning assets | $257,199,500 | 2,293 |
| Average equity | $38,756,500 | 1,720 |
| Average total loans | $135,057,000 | 2,983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 6,806 |
| Cost of funding earning assets | 0.6601% | 6,984 |
| Net interest margin | 3.6302% | 4,671 |
| Noninterest income to average assets | 1.0598% | 1,334 |
| Noninterest expense to average assets | 3.0089% | 3,814 |
| Loan and lease loss provision to assets | 0.2537% | 4,763 |
| Net operating income to assets | 0.7155% | 3,170 |
| Return on assets (ROA) | 0.7155% | 3,298 |
| Pretax return on assets | 1.1074% | 2,549 |
| Return on Equity (ROE) | 4.7061% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.2979% | 4,273 |
| Net charge-offs to loans | 0.7629% | 2,731 |
| Credit loss provision to net charge-offs | 63.6631% | 6,015 |
| Earnings coverage of net charge-offs (x) | 3.4153% | 3,377 |
| Efficiency ratio | 68.4681% | 4,459 |
| Assets per employee ($millions) | 3.4494% | 5,055 |
| Cash dividends to net income (ytd only)* | 51.1729% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 2,868 |
| Loan loss allowance to noncurrent loans | 83.5929% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 4,099 |
| Noncurrent loans to loans | 2.1521% | 3,364 |
| Net loans and leases to total assets | 44.4376% | 6,678 |
| Net loans and leases to deposits | 51.2914% | 6,792 |
| Net loans and leases to core deposits | 57.8049% | 6,575 |
| Total domestic deposits to total assets | 86.6375% | 3,011 |
| Equity capital to assets | 12.9766% | 1,399 |
| Core capital (leverage) ratio | 15.6022% | 559 |
| Tier 1 risk-based capital ratio | 28.5712% | 569 |
| Total risk-based capital ratio | 29.8280% | 558 |
| Memoranda: | ||
| Average total assets | $256,175,600 | 2,489 |
| Average earning assets | $233,596,400 | 2,494 |
| Average equity | $38,949,400 | 1,692 |
| Average total loans | $133,825,600 | 3,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 6,585 |
| Cost of funding earning assets | 0.7164% | 7,021 |
| Net interest margin | 3.7946% | 3,988 |
| Noninterest income to average assets | 1.0973% | 1,176 |
| Noninterest expense to average assets | 3.0724% | 3,458 |
| Loan and lease loss provision to assets | 0.0813% | 6,232 |
| Net operating income to assets | 0.9093% | 2,569 |
| Return on assets (ROA) | 0.9093% | 2,718 |
| Pretax return on assets | 1.3964% | 1,886 |
| Return on Equity (ROE) | 5.7274% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.6590% | 3,221 |
| Net charge-offs to loans | 0.9203% | 2,159 |
| Credit loss provision to net charge-offs | 16.2514% | 6,280 |
| Earnings coverage of net charge-offs (x) | 2.9545% | 3,653 |
| Efficiency ratio | 67.1430% | 4,634 |
| Assets per employee ($millions) | 2.7163% | 6,754 |
| Cash dividends to net income (ytd only)* | 18.6530% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,059 |
| Loan loss allowance to noncurrent loans | 74.2804% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7805% | 3,773 |
| Noncurrent loans to loans | 1.9900% | 3,695 |
| Net loans and leases to total assets | 58.1096% | 5,245 |
| Net loans and leases to deposits | 70.8312% | 5,030 |
| Net loans and leases to core deposits | 82.4552% | 4,176 |
| Total domestic deposits to total assets | 82.0396% | 4,975 |
| Equity capital to assets | 17.2362% | 494 |
| Core capital (leverage) ratio | 16.7320% | 456 |
| Tier 1 risk-based capital ratio | 28.6002% | 589 |
| Total risk-based capital ratio | 29.8530% | 577 |
| Memoranda: | ||
| Average total assets | $246,057,000 | 2,618 |
| Average earning assets | $223,889,250 | 2,619 |
| Average equity | $39,063,000 | 1,708 |
| Average total loans | $133,722,250 | 3,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 6,809 |
| Cost of funding earning assets | 0.7114% | 7,166 |
| Net interest margin | 3.7364% | 4,204 |
| Noninterest income to average assets | 1.0370% | 1,260 |
| Noninterest expense to average assets | 3.0624% | 3,461 |
| Loan and lease loss provision to assets | 0.0796% | 6,142 |
| Net operating income to assets | 0.8482% | 2,740 |
| Return on assets (ROA) | 0.8482% | 2,892 |
| Pretax return on assets | 1.2918% | 2,114 |
| Return on Equity (ROE) | 5.4871% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.8744% | 3,620 |
| Net charge-offs to loans | 1.1648% | 1,629 |
| Credit loss provision to net charge-offs | 12.9199% | 5,912 |
| Earnings coverage of net charge-offs (x) | 2.2248% | 3,896 |
| Efficiency ratio | 68.6905% | 4,441 |
| Assets per employee ($millions) | 2.7311% | 6,728 |
| Cash dividends to net income (ytd only)* | 29.3897% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,538 |
| Loan loss allowance to noncurrent loans | 99.6697% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3602% | 4,447 |
| Noncurrent loans to loans | 1.5849% | 4,334 |
| Net loans and leases to total assets | 54.7500% | 5,877 |
| Net loans and leases to deposits | 65.9234% | 5,814 |
| Net loans and leases to core deposits | 76.1298% | 5,175 |
| Total domestic deposits to total assets | 83.0510% | 4,549 |
| Equity capital to assets | 16.3183% | 625 |
| Core capital (leverage) ratio | 15.8299% | 588 |
| Tier 1 risk-based capital ratio | 28.7091% | 584 |
| Total risk-based capital ratio | 29.9633% | 574 |
| Memoranda: | ||
| Average total assets | $251,114,000 | 2,589 |
| Average earning assets | $228,296,330 | 2,597 |
| Average equity | $38,818,670 | 1,713 |
| Average total loans | $132,903,000 | 3,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 6,948 |
| Cost of funding earning assets | 0.7037% | 7,329 |
| Net interest margin | 3.7232% | 4,136 |
| Noninterest income to average assets | 1.1431% | 959 |
| Noninterest expense to average assets | 2.9115% | 4,012 |
| Loan and lease loss provision to assets | 0.0780% | 5,858 |
| Net operating income to assets | 1.0136% | 2,133 |
| Return on assets (ROA) | 1.0136% | 2,200 |
| Pretax return on assets | 1.5283% | 1,446 |
| Return on Equity (ROE) | 6.7325% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.7325% | 2,252 |
| Net charge-offs to loans | 1.8203% | 951 |
| Credit loss provision to net charge-offs | 8.2919% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.7081% | 3,706 |
| Efficiency ratio | 64.0663% | 5,481 |
| Assets per employee ($millions) | 2.8115% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 3,089 |
| Loan loss allowance to noncurrent loans | 103.8122% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5060% | 4,247 |
| Noncurrent loans to loans | 1.6308% | 4,302 |
| Net loans and leases to total assets | 52.4095% | 6,228 |
| Net loans and leases to deposits | 62.6092% | 6,216 |
| Net loans and leases to core deposits | 72.2075% | 5,689 |
| Total domestic deposits to total assets | 83.7090% | 4,297 |
| Equity capital to assets | 15.7393% | 713 |
| Core capital (leverage) ratio | 14.8736% | 776 |
| Tier 1 risk-based capital ratio | 28.5798% | 597 |
| Total risk-based capital ratio | 29.8349% | 590 |
| Memoranda: | ||
| Average total assets | $256,502,000 | 2,591 |
| Average earning assets | $232,487,500 | 2,617 |
| Average equity | $38,618,500 | 1,742 |
| Average total loans | $132,506,000 | 3,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0534% | 6,250 |
| Cost of funding earning assets | 0.8756% | 7,446 |
| Net interest margin | 4.1778% | 2,142 |
| Noninterest income to average assets | 1.3458% | 822 |
| Noninterest expense to average assets | 3.3500% | 2,835 |
| Loan and lease loss provision to assets | 0.2754% | 5,208 |
| Net operating income to assets | 0.9548% | 1,992 |
| Return on assets (ROA) | 0.9551% | 2,048 |
| Pretax return on assets | 1.4915% | 1,205 |
| Return on Equity (ROE) | 5.9038% | 3,252 |
| Retained earnings to average equity (ytd only) | 2.9571% | 3,101 |
| Net charge-offs to loans | 0.3679% | 4,381 |
| Credit loss provision to net charge-offs | 134.2975% | 3,706 |
| Earnings coverage of net charge-offs (x) | 8.6136% | 1,919 |
| Efficiency ratio | 65.0518% | 5,570 |
| Assets per employee ($millions) | 3.0181% | 6,180 |
| Cash dividends to net income (ytd only)* | 49.9113% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 1,836 |
| Loan loss allowance to noncurrent loans | 91.5243% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.5851% | 4,001 |
| Noncurrent loans to loans | 2.2868% | 3,299 |
| Net loans and leases to total assets | 49.0698% | 6,723 |
| Net loans and leases to deposits | 57.6458% | 6,809 |
| Net loans and leases to core deposits | 71.6784% | 6,677 |
| Total domestic deposits to total assets | 85.1230% | 3,498 |
| Equity capital to assets | 14.4192% | 1,046 |
| Core capital (leverage) ratio | 16.7173% | 524 |
| Tier 1 risk-based capital ratio | 27.9816% | 648 |
| Total risk-based capital ratio | 29.2422% | 625 |
| Memoranda: | ||
| Average total assets | $236,001,600 | 2,756 |
| Average earning assets | $213,006,200 | 2,795 |
| Average equity | $38,179,000 | 1,751 |
| Average total loans | $131,542,400 | 3,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 5,600 |
| Cost of funding earning assets | 0.9442% | 7,493 |
| Net interest margin | 4.3204% | 1,676 |
| Noninterest income to average assets | 1.4114% | 760 |
| Noninterest expense to average assets | 3.3723% | 2,659 |
| Loan and lease loss provision to assets | 0.0875% | 6,493 |
| Net operating income to assets | 1.2122% | 1,437 |
| Return on assets (ROA) | 1.2125% | 1,494 |
| Pretax return on assets | 1.8541% | 726 |
| Return on Equity (ROE) | 7.2659% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.9553% | 1,974 |
| Net charge-offs to loans | 0.3751% | 3,772 |
| Credit loss provision to net charge-offs | 40.6504% | 6,416 |
| Earnings coverage of net charge-offs (x) | 9.0189% | 2,162 |
| Efficiency ratio | 63.0187% | 5,922 |
| Assets per employee ($millions) | 2.4023% | 7,378 |
| Cash dividends to net income (ytd only)* | 18.0376% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 2,278 |
| Loan loss allowance to noncurrent loans | 87.2456% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,756 |
| Noncurrent loans to loans | 2.0628% | 3,546 |
| Net loans and leases to total assets | 61.9726% | 5,249 |
| Net loans and leases to deposits | 76.7451% | 4,934 |
| Net loans and leases to core deposits | 98.5289% | 4,550 |
| Total domestic deposits to total assets | 80.7512% | 5,175 |
| Equity capital to assets | 18.4782% | 469 |
| Core capital (leverage) ratio | 17.7810% | 468 |
| Tier 1 risk-based capital ratio | 28.1951% | 677 |
| Total risk-based capital ratio | 29.4518% | 660 |
| Memoranda: | ||
| Average total assets | $228,604,250 | 2,861 |
| Average earning assets | $206,456,500 | 2,902 |
| Average equity | $38,149,750 | 1,784 |
| Average total loans | $131,150,250 | 3,280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1583% | 6,232 |
| Cost of funding earning assets | 0.9718% | 7,596 |
| Net interest margin | 4.1865% | 2,040 |
| Noninterest income to average assets | 1.3775% | 808 |
| Noninterest expense to average assets | 3.2696% | 3,085 |
| Loan and lease loss provision to assets | 0.0853% | 6,325 |
| Net operating income to assets | 1.1812% | 1,531 |
| Return on assets (ROA) | 1.1812% | 1,615 |
| Pretax return on assets | 1.8059% | 842 |
| Return on Equity (ROE) | 7.3140% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.3322% | 2,334 |
| Net charge-offs to loans | 0.4003% | 3,197 |
| Credit loss provision to net charge-offs | 38.3142% | 5,925 |
| Earnings coverage of net charge-offs (x) | 8.4904% | 2,253 |
| Efficiency ratio | 62.8576% | 6,108 |
| Assets per employee ($millions) | 2.4240% | 7,391 |
| Cash dividends to net income (ytd only)* | 27.0954% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,974 |
| Loan loss allowance to noncurrent loans | 90.8721% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,695 |
| Noncurrent loans to loans | 2.0095% | 3,505 |
| Net loans and leases to total assets | 60.5991% | 5,585 |
| Net loans and leases to deposits | 74.0550% | 5,441 |
| Net loans and leases to core deposits | 93.8648% | 5,133 |
| Total domestic deposits to total assets | 81.8298% | 4,762 |
| Equity capital to assets | 17.4354% | 610 |
| Core capital (leverage) ratio | 16.7801% | 643 |
| Tier 1 risk-based capital ratio | 27.3175% | 758 |
| Total risk-based capital ratio | 28.5746% | 736 |
| Memoranda: | ||
| Average total assets | $234,339,000 | 2,812 |
| Average earning assets | $211,776,670 | 2,845 |
| Average equity | $37,845,330 | 1,807 |
| Average total loans | $130,396,670 | 3,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9368% | 7,082 |
| Cost of funding earning assets | 0.9969% | 7,678 |
| Net interest margin | 3.9399% | 2,883 |
| Noninterest income to average assets | 1.2952% | 849 |
| Noninterest expense to average assets | 2.9963% | 3,783 |
| Loan and lease loss provision to assets | 0.0825% | 5,905 |
| Net operating income to assets | 1.1814% | 1,710 |
| Return on assets (ROA) | 1.1814% | 1,819 |
| Pretax return on assets | 1.7704% | 1,039 |
| Return on Equity (ROE) | 7.5869% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.5869% | 1,986 |
| Net charge-offs to loans | 0.1341% | 3,888 |
| Credit loss provision to net charge-offs | 116.2791% | 3,351 |
| Earnings coverage of net charge-offs (x) | 26.1163% | 1,189 |
| Efficiency ratio | 61.0752% | 6,242 |
| Assets per employee ($millions) | 2.5594% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 1,377 |
| Loan loss allowance to noncurrent loans | 75.6842% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 3,548 |
| Noncurrent loans to loans | 2.6644% | 2,464 |
| Net loans and leases to total assets | 55.4149% | 6,318 |
| Net loans and leases to deposits | 66.9302% | 6,284 |
| Net loans and leases to core deposits | 85.7404% | 5,926 |
| Total domestic deposits to total assets | 82.7950% | 4,248 |
| Equity capital to assets | 16.4626% | 800 |
| Core capital (leverage) ratio | 15.1642% | 932 |
| Tier 1 risk-based capital ratio | 27.9157% | 761 |
| Total risk-based capital ratio | 29.1749% | 742 |
| Memoranda: | ||
| Average total assets | $242,428,500 | 2,742 |
| Average earning assets | $218,686,000 | 2,780 |
| Average equity | $37,749,500 | 1,806 |
| Average total loans | $128,264,000 | 3,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2265% | 4,379 |
| Cost of funding earning assets | 1.4291% | 7,711 |
| Net interest margin | 4.7974% | 783 |
| Noninterest income to average assets | 1.5833% | 559 |
| Noninterest expense to average assets | 3.3995% | 2,682 |
| Loan and lease loss provision to assets | 0.2373% | 4,531 |
| Net operating income to assets | 1.4706% | 1,076 |
| Return on assets (ROA) | 1.4728% | 1,032 |
| Pretax return on assets | 2.2628% | 342 |
| Return on Equity (ROE) | 9.2962% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.0641% | 1,500 |
| Net charge-offs to loans | 0.2532% | 3,745 |
| Credit loss provision to net charge-offs | 180.3279% | 2,793 |
| Earnings coverage of net charge-offs (x) | 18.9738% | 1,671 |
| Efficiency ratio | 57.0352% | 6,865 |
| Assets per employee ($millions) | 2.7367% | 6,712 |
| Cash dividends to net income (ytd only)* | 34.7686% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0752% | 1,110 |
| Loan loss allowance to noncurrent loans | 105.3055% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 4,258 |
| Noncurrent loans to loans | 1.9706% | 2,797 |
| Net loans and leases to total assets | 48.5775% | 7,141 |
| Net loans and leases to deposits | 57.4221% | 7,238 |
| Net loans and leases to core deposits | 70.6199% | 7,154 |
| Total domestic deposits to total assets | 84.5971% | 3,028 |
| Equity capital to assets | 14.7648% | 1,227 |
| Core capital (leverage) ratio | 15.7271% | 877 |
| Tier 1 risk-based capital ratio | 28.2074% | 753 |
| Total risk-based capital ratio | 29.4676% | 735 |
| Memoranda: | ||
| Average total assets | $231,796,600 | 2,747 |
| Average earning assets | $208,383,400 | 2,796 |
| Average equity | $36,724,600 | 1,845 |
| Average total loans | $120,438,000 | 3,451 |