Home > Farmers and Merchants State Bank of Pierz > Performance and Condition Ratios
Farmers and Merchants State Bank of Pierz, 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 | 4.9685% | 2,137 |
| Cost of funding earning assets | 0.9290% | 3,460 |
| Net interest margin | 4.0395% | 1,146 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.5974% | 2,012 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.3987% | 1,218 |
| Return on assets (ROA) | 1.3137% | 1,374 |
| Pretax return on assets | 1.3137% | 1,836 |
| Return on Equity (ROE) | 25.3500% | 299 |
| Retained earnings to average equity (ytd only) | 16.3621% | 253 |
| Net charge-offs to loans | 0.0230% | 1,860 |
| Credit loss provision to net charge-offs | 902.1277% | 443 |
| Earnings coverage of net charge-offs (x) | 100.3404% | 904 |
| Efficiency ratio | 62.8252% | 2,751 |
| Assets per employee ($millions) | 6.2851% | 2,566 |
| Cash dividends to net income (ytd only)* | 35.4503% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,201.8605% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,101 |
| Noncurrent loans to loans | 0.1031% | 3,024 |
| Net loans and leases to total assets | 66.8500% | 2,165 |
| Net loans and leases to deposits | 71.6896% | 2,771 |
| Net loans and leases to core deposits | 76.2635% | 2,959 |
| Total domestic deposits to total assets | 93.2500% | 153 |
| Equity capital to assets | 6.4250% | 4,141 |
| Core capital (leverage) ratio | 10.1514% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $306,848,800 | 2,398 |
| Average earning assets | $286,647,600 | 2,372 |
| Average equity | $15,902,600 | 3,194 |
| Average total loans | $204,550,000 | 2,255 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 2,183 |
| Cost of funding earning assets | 0.8545% | 3,388 |
| Net interest margin | 3.9870% | 1,243 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.4829% | 2,291 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.4670% | 1,196 |
| Return on assets (ROA) | 1.3534% | 1,392 |
| Pretax return on assets | 1.3534% | 1,889 |
| Return on Equity (ROE) | 27.7900% | 280 |
| Retained earnings to average equity (ytd only) | 20.0645% | 257 |
| Net charge-offs to loans | -0.0092% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7599% | 2,880 |
| Assets per employee ($millions) | 6.4012% | 2,400 |
| Cash dividends to net income (ytd only)* | 27.7956% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 2,079 |
| Loan loss allowance to noncurrent loans | 756.7164% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,828 |
| Noncurrent loans to loans | 0.1658% | 2,713 |
| Net loans and leases to total assets | 66.3200% | 2,216 |
| Net loans and leases to deposits | 69.6250% | 2,866 |
| Net loans and leases to core deposits | 73.3128% | 3,034 |
| Total domestic deposits to total assets | 95.2600% | 110 |
| Equity capital to assets | 4.3811% | 4,352 |
| Core capital (leverage) ratio | 10.0205% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $306,568,750 | 2,402 |
| Average earning assets | $286,459,500 | 2,378 |
| Average equity | $14,931,500 | 3,266 |
| Average total loans | $203,573,750 | 2,265 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 2,267 |
| Cost of funding earning assets | 0.7545% | 3,337 |
| Net interest margin | 3.9159% | 1,393 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.4365% | 2,384 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4244% | 1,272 |
| Return on assets (ROA) | 1.2552% | 1,674 |
| Pretax return on assets | 1.2552% | 2,209 |
| Return on Equity (ROE) | 24.9600% | 386 |
| Retained earnings to average equity (ytd only) | 18.8850% | 291 |
| Net charge-offs to loans | -0.0029% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.0362% | 2,839 |
| Assets per employee ($millions) | 5.9648% | 2,737 |
| Cash dividends to net income (ytd only)* | 24.3285% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 2,590 |
| Loan loss allowance to noncurrent loans | 664.7383% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 2,704 |
| Noncurrent loans to loans | 0.1760% | 2,600 |
| Net loans and leases to total assets | 66.9900% | 2,058 |
| Net loans and leases to deposits | 71.7390% | 2,668 |
| Net loans and leases to core deposits | 74.2316% | 2,867 |
| Total domestic deposits to total assets | 93.3800% | 197 |
| Equity capital to assets | 5.3313% | 4,322 |
| Core capital (leverage) ratio | 9.7339% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $308,472,333 | 2,388 |
| Average earning assets | $287,855,333 | 2,384 |
| Average equity | $15,515,000 | 3,226 |
| Average total loans | $204,073,667 | 2,261 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,285 |
| Cost of funding earning assets | 0.6377% | 3,269 |
| Net interest margin | 3.8776% | 1,518 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.3915% | 2,557 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.4385% | 1,311 |
| Return on assets (ROA) | 1.1049% | 2,176 |
| Pretax return on assets | 1.1049% | 2,691 |
| Return on Equity (ROE) | 22.6300% | 537 |
| Retained earnings to average equity (ytd only) | 21.2616% | 310 |
| Net charge-offs to loans | -0.0039% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.5675% | 2,886 |
| Assets per employee ($millions) | 5.9006% | 2,845 |
| Cash dividends to net income (ytd only)* | 6.0606% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 2,881 |
| Loan loss allowance to noncurrent loans | 1,237.0968% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,177 |
| Noncurrent loans to loans | 0.0918% | 3,091 |
| Net loans and leases to total assets | 65.3100% | 2,129 |
| Net loans and leases to deposits | 69.2917% | 2,672 |
| Net loans and leases to core deposits | 71.4291% | 2,856 |
| Total domestic deposits to total assets | 94.2500% | 147 |
| Equity capital to assets | 5.4486% | 4,350 |
| Core capital (leverage) ratio | 9.5069% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $310,605,500 | 2,407 |
| Average earning assets | $289,769,500 | 2,400 |
| Average equity | $15,163,500 | 3,292 |
| Average total loans | $203,014,500 | 2,281 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 1,337 |
| Cost of funding earning assets | 0.3066% | 2,822 |
| Net interest margin | 3.8490% | 1,066 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2692% | 2,834 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.7144% | 527 |
| Return on assets (ROA) | 1.4392% | 991 |
| Pretax return on assets | 1.4392% | 1,662 |
| Return on Equity (ROE) | 29.7100% | 122 |
| Retained earnings to average equity (ytd only) | 9.1452% | 1,439 |
| Net charge-offs to loans | -0.0026% | 3,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.3779% | 3,542 |
| Assets per employee ($millions) | 6.4159% | 2,406 |
| Cash dividends to net income (ytd only)* | 69.2187% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,337 |
| Loan loss allowance to noncurrent loans | 1,165.8768% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,128 |
| Noncurrent loans to loans | 0.1038% | 3,029 |
| Net loans and leases to total assets | 63.9000% | 2,253 |
| Net loans and leases to deposits | 67.6192% | 2,756 |
| Net loans and leases to core deposits | 69.2543% | 2,927 |
| Total domestic deposits to total assets | 94.4900% | 195 |
| Equity capital to assets | 4.3288% | 4,481 |
| Core capital (leverage) ratio | 8.9898% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3868% | 2,615 |
| Memoranda: | ||
| Average total assets | $309,487,800 | 2,409 |
| Average earning assets | $289,611,000 | 2,386 |
| Average equity | $14,991,400 | 3,369 |
| Average total loans | $195,160,000 | 2,274 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 1,146 |
| Cost of funding earning assets | 0.2554% | 2,651 |
| Net interest margin | 3.8030% | 951 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.2045% | 2,920 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7439% | 481 |
| Return on assets (ROA) | 1.5571% | 706 |
| Pretax return on assets | 1.5571% | 1,239 |
| Return on Equity (ROE) | 31.3000% | 88 |
| Retained earnings to average equity (ytd only) | 5.6246% | 2,880 |
| Net charge-offs to loans | -0.0028% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.0610% | 3,719 |
| Assets per employee ($millions) | 6.2241% | 2,557 |
| Cash dividends to net income (ytd only)* | 82.0278% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,261 |
| Loan loss allowance to noncurrent loans | 1,366.1111% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,316 |
| Noncurrent loans to loans | 0.0914% | 3,227 |
| Net loans and leases to total assets | 62.4600% | 2,237 |
| Net loans and leases to deposits | 64.2509% | 2,849 |
| Net loans and leases to core deposits | 65.7285% | 2,967 |
| Total domestic deposits to total assets | 97.2100% | 74 |
| Equity capital to assets | 2.5883% | 4,621 |
| Core capital (leverage) ratio | 8.5793% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7848% | 2,875 |
| Memoranda: | ||
| Average total assets | $308,264,750 | 2,425 |
| Average earning assets | $289,206,250 | 2,407 |
| Average equity | $15,337,000 | 3,378 |
| Average total loans | $193,116,250 | 2,278 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 1,049 |
| Cost of funding earning assets | 0.2311% | 2,487 |
| Net interest margin | 3.7043% | 906 |
| Noninterest income to average assets | 0.3938% | 2,792 |
| Noninterest expense to average assets | 2.2461% | 2,715 |
| Loan and lease loss provision to assets | 0.0833% | 1,189 |
| Net operating income to assets | 1.5380% | 639 |
| Return on assets (ROA) | 1.3675% | 962 |
| Pretax return on assets | 1.3675% | 1,527 |
| Return on Equity (ROE) | 23.6541% | 148 |
| Retained earnings to average equity (ytd only) | -7.3180% | 4,601 |
| Net charge-offs to loans | -0.0021% | 3,138 |
| Credit loss provision to net charge-offs | -6,400.0000% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0781% | 3,547 |
| Assets per employee ($millions) | 6.0308% | 2,713 |
| Cash dividends to net income (ytd only)* | 130.9376% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,448 |
| Loan loss allowance to noncurrent loans | 1,148.1308% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,274 |
| Noncurrent loans to loans | 0.1085% | 3,210 |
| Net loans and leases to total assets | 63.3447% | 1,981 |
| Net loans and leases to deposits | 66.6158% | 2,499 |
| Net loans and leases to core deposits | 68.1977% | 2,638 |
| Total domestic deposits to total assets | 95.0896% | 138 |
| Equity capital to assets | 3.7182% | 4,646 |
| Core capital (leverage) ratio | 8.5367% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4177% | 2,941 |
| Memoranda: | ||
| Average total assets | $307,284,000 | 2,448 |
| Average earning assets | $288,148,333 | 2,441 |
| Average equity | $17,764,333 | 3,257 |
| Average total loans | $191,877,000 | 2,288 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 1,031 |
| Cost of funding earning assets | 0.2211% | 2,514 |
| Net interest margin | 3.6087% | 879 |
| Noninterest income to average assets | 0.3074% | 3,267 |
| Noninterest expense to average assets | 2.2127% | 2,808 |
| Loan and lease loss provision to assets | 0.1250% | 664 |
| Net operating income to assets | 1.3492% | 904 |
| Return on assets (ROA) | 1.3479% | 890 |
| Pretax return on assets | 1.3479% | 1,381 |
| Return on Equity (ROE) | 19.7816% | 236 |
| Retained earnings to average equity (ytd only) | -27.8090% | 4,741 |
| Net charge-offs to loans | -0.0042% | 3,294 |
| Credit loss provision to net charge-offs | -4,800.0000% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0141% | 3,482 |
| Assets per employee ($millions) | 5.9090% | 2,886 |
| Cash dividends to net income (ytd only)* | 240.5797% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,483 |
| Loan loss allowance to noncurrent loans | 1,112.3853% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,346 |
| Noncurrent loans to loans | 0.1144% | 3,256 |
| Net loans and leases to total assets | 62.4048% | 1,807 |
| Net loans and leases to deposits | 65.8480% | 2,349 |
| Net loans and leases to core deposits | 67.6365% | 2,485 |
| Total domestic deposits to total assets | 94.7710% | 54 |
| Equity capital to assets | 5.0266% | 4,721 |
| Core capital (leverage) ratio | 8.0929% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,140,500 | 2,466 |
| Average earning assets | $287,641,500 | 2,458 |
| Average equity | $20,928,500 | 3,062 |
| Average total loans | $189,172,000 | 2,302 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 1,450 |
| Cost of funding earning assets | 0.2723% | 2,683 |
| Net interest margin | 3.6894% | 1,240 |
| Noninterest income to average assets | 0.7735% | 1,524 |
| Noninterest expense to average assets | 2.1526% | 3,226 |
| Loan and lease loss provision to assets | 0.0495% | 2,066 |
| Net operating income to assets | 2.0399% | 317 |
| Return on assets (ROA) | 2.0403% | 330 |
| Pretax return on assets | 2.0403% | 563 |
| Return on Equity (ROE) | 23.1213% | 170 |
| Retained earnings to average equity (ytd only) | 5.3771% | 2,633 |
| Net charge-offs to loans | -0.0149% | 3,875 |
| Credit loss provision to net charge-offs | -537.0370% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7443% | 4,226 |
| Assets per employee ($millions) | 6.5192% | 2,318 |
| Cash dividends to net income (ytd only)* | 76.7442% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,218.3246% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,556 |
| Noncurrent loans to loans | 0.1017% | 3,420 |
| Net loans and leases to total assets | 59.2893% | 2,229 |
| Net loans and leases to deposits | 64.9765% | 2,597 |
| Net loans and leases to core deposits | 66.7213% | 2,758 |
| Total domestic deposits to total assets | 91.2474% | 404 |
| Equity capital to assets | 8.5353% | 4,027 |
| Core capital (leverage) ratio | 8.5718% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,953,400 | 2,466 |
| Average earning assets | $275,409,400 | 2,455 |
| Average equity | $25,850,600 | 2,793 |
| Average total loans | $181,098,000 | 2,379 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 1,653 |
| Cost of funding earning assets | 0.2838% | 2,761 |
| Net interest margin | 3.6613% | 1,430 |
| Noninterest income to average assets | 0.9320% | 1,189 |
| Noninterest expense to average assets | 2.1563% | 3,205 |
| Loan and lease loss provision to assets | 0.0670% | 1,663 |
| Net operating income to assets | 2.1618% | 344 |
| Return on assets (ROA) | 2.1664% | 364 |
| Pretax return on assets | 2.1664% | 586 |
| Return on Equity (ROE) | 24.3350% | 195 |
| Retained earnings to average equity (ytd only) | 0.4785% | 4,499 |
| Net charge-offs to loans | -0.0149% | 3,845 |
| Credit loss provision to net charge-offs | -725.0000% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1712% | 4,284 |
| Assets per employee ($millions) | 5.8542% | 2,831 |
| Cash dividends to net income (ytd only)* | 98.0338% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,679 |
| Loan loss allowance to noncurrent loans | 628.7263% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 3,292 |
| Noncurrent loans to loans | 0.2005% | 3,150 |
| Net loans and leases to total assets | 60.8648% | 2,149 |
| Net loans and leases to deposits | 66.7059% | 2,567 |
| Net loans and leases to core deposits | 68.5916% | 2,725 |
| Total domestic deposits to total assets | 91.2434% | 302 |
| Equity capital to assets | 8.5874% | 4,146 |
| Core capital (leverage) ratio | 8.5444% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,961,000 | 2,514 |
| Average earning assets | $271,590,500 | 2,498 |
| Average equity | $25,636,000 | 2,839 |
| Average total loans | $179,408,250 | 2,428 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 1,713 |
| Cost of funding earning assets | 0.2975% | 2,795 |
| Net interest margin | 3.6415% | 1,493 |
| Noninterest income to average assets | 1.2355% | 763 |
| Noninterest expense to average assets | 2.1306% | 3,302 |
| Loan and lease loss provision to assets | 0.1020% | 1,245 |
| Net operating income to assets | 2.4372% | 240 |
| Return on assets (ROA) | 2.4442% | 253 |
| Pretax return on assets | 2.4442% | 388 |
| Return on Equity (ROE) | 27.1192% | 146 |
| Retained earnings to average equity (ytd only) | -4.6577% | 4,784 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6257% | 4,534 |
| Assets per employee ($millions) | 5.8773% | 2,736 |
| Cash dividends to net income (ytd only)* | 117.1749% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,600 |
| Loan loss allowance to noncurrent loans | 495.6897% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,186 |
| Noncurrent loans to loans | 0.2555% | 3,022 |
| Net loans and leases to total assets | 62.2641% | 2,146 |
| Net loans and leases to deposits | 68.3553% | 2,584 |
| Net loans and leases to core deposits | 70.3555% | 2,746 |
| Total domestic deposits to total assets | 91.0889% | 346 |
| Equity capital to assets | 8.7601% | 4,003 |
| Core capital (leverage) ratio | 8.4450% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,426,333 | 2,530 |
| Average earning assets | $268,241,667 | 2,516 |
| Average equity | $25,635,000 | 2,834 |
| Average total loans | $177,864,000 | 2,449 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 1,941 |
| Cost of funding earning assets | 0.3151% | 2,836 |
| Net interest margin | 3.5414% | 1,723 |
| Noninterest income to average assets | 1.7365% | 472 |
| Noninterest expense to average assets | 2.1723% | 3,193 |
| Loan and lease loss provision to assets | 0.1231% | 1,119 |
| Net operating income to assets | 2.7809% | 183 |
| Return on assets (ROA) | 2.7894% | 205 |
| Pretax return on assets | 2.7894% | 304 |
| Return on Equity (ROE) | 30.5126% | 130 |
| Retained earnings to average equity (ytd only) | -8.0500% | 4,779 |
| Net charge-offs to loans | 0.0068% | 1,654 |
| Credit loss provision to net charge-offs | 2,900.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 684.0000% | 138 |
| Efficiency ratio | 42.7934% | 4,642 |
| Assets per employee ($millions) | 5.9730% | 2,623 |
| Cash dividends to net income (ytd only)* | 126.3825% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,594 |
| Loan loss allowance to noncurrent loans | 485.6833% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,357 |
| Noncurrent loans to loans | 0.2602% | 3,177 |
| Net loans and leases to total assets | 61.0234% | 2,402 |
| Net loans and leases to deposits | 66.8814% | 2,823 |
| Net loans and leases to core deposits | 69.1915% | 2,947 |
| Total domestic deposits to total assets | 91.2412% | 314 |
| Equity capital to assets | 8.5959% | 4,049 |
| Core capital (leverage) ratio | 8.7447% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,645,500 | 2,528 |
| Average earning assets | $266,558,500 | 2,511 |
| Average equity | $25,838,500 | 2,807 |
| Average total loans | $175,989,500 | 2,468 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 1,345 |
| Cost of funding earning assets | 0.4835% | 3,058 |
| Net interest margin | 4.0035% | 969 |
| Noninterest income to average assets | 0.5933% | 2,236 |
| Noninterest expense to average assets | 2.3443% | 3,288 |
| Loan and lease loss provision to assets | 0.2076% | 1,901 |
| Net operating income to assets | 1.8086% | 377 |
| Return on assets (ROA) | 1.8289% | 393 |
| Pretax return on assets | 1.8289% | 644 |
| Return on Equity (ROE) | 18.2415% | 318 |
| Retained earnings to average equity (ytd only) | 0.2420% | 4,448 |
| Net charge-offs to loans | 0.2442% | 703 |
| Credit loss provision to net charge-offs | 126.0870% | 2,585 |
| Earnings coverage of net charge-offs (x) | 12.2464% | 2,346 |
| Efficiency ratio | 53.7620% | 4,238 |
| Assets per employee ($millions) | 5.8039% | 2,540 |
| Cash dividends to net income (ytd only)* | 98.6736% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,784 |
| Loan loss allowance to noncurrent loans | 534.7395% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,564 |
| Noncurrent loans to loans | 0.2306% | 3,376 |
| Net loans and leases to total assets | 61.9658% | 2,620 |
| Net loans and leases to deposits | 68.7534% | 3,005 |
| Net loans and leases to core deposits | 71.0532% | 3,170 |
| Total domestic deposits to total assets | 90.1276% | 514 |
| Equity capital to assets | 9.7033% | 3,400 |
| Core capital (leverage) ratio | 9.1206% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,465,000 | 2,571 |
| Average earning assets | $236,617,800 | 2,545 |
| Average equity | $25,211,800 | 2,785 |
| Average total loans | $169,519,600 | 2,489 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 1,310 |
| Cost of funding earning assets | 0.5226% | 3,094 |
| Net interest margin | 4.0759% | 937 |
| Noninterest income to average assets | 0.6920% | 1,823 |
| Noninterest expense to average assets | 2.3676% | 3,229 |
| Loan and lease loss provision to assets | 0.2203% | 1,826 |
| Net operating income to assets | 1.9459% | 331 |
| Return on assets (ROA) | 1.9736% | 346 |
| Pretax return on assets | 1.9736% | 543 |
| Return on Equity (ROE) | 19.5067% | 261 |
| Retained earnings to average equity (ytd only) | -4.9332% | 4,843 |
| Net charge-offs to loans | 0.3377% | 461 |
| Credit loss provision to net charge-offs | 94.8357% | 2,669 |
| Earnings coverage of net charge-offs (x) | 9.3310% | 2,433 |
| Efficiency ratio | 52.2236% | 4,324 |
| Assets per employee ($millions) | 5.4242% | 2,776 |
| Cash dividends to net income (ytd only)* | 125.2899% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 2,992 |
| Loan loss allowance to noncurrent loans | 1,289.8089% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 3,270 |
| Noncurrent loans to loans | 0.0882% | 4,017 |
| Net loans and leases to total assets | 66.2077% | 2,494 |
| Net loans and leases to deposits | 73.3929% | 3,010 |
| Net loans and leases to core deposits | 75.9639% | 3,167 |
| Total domestic deposits to total assets | 90.2099% | 359 |
| Equity capital to assets | 9.6359% | 3,566 |
| Core capital (leverage) ratio | 9.1979% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,684,750 | 2,596 |
| Average earning assets | $230,616,000 | 2,574 |
| Average equity | $24,756,750 | 2,808 |
| Average total loans | $168,203,750 | 2,506 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 1,359 |
| Cost of funding earning assets | 0.5739% | 3,113 |
| Net interest margin | 4.1478% | 1,023 |
| Noninterest income to average assets | 0.8845% | 1,208 |
| Noninterest expense to average assets | 2.4103% | 3,240 |
| Loan and lease loss provision to assets | 0.3248% | 1,316 |
| Net operating income to assets | 2.0484% | 297 |
| Return on assets (ROA) | 2.0905% | 303 |
| Pretax return on assets | 2.0905% | 451 |
| Return on Equity (ROE) | 20.3008% | 234 |
| Retained earnings to average equity (ytd only) | -11.8993% | 4,945 |
| Net charge-offs to loans | 0.2122% | 733 |
| Credit loss provision to net charge-offs | 220.5714% | 1,841 |
| Earnings coverage of net charge-offs (x) | 16.1143% | 1,875 |
| Efficiency ratio | 50.3871% | 4,480 |
| Assets per employee ($millions) | 5.1078% | 3,057 |
| Cash dividends to net income (ytd only)* | 158.6151% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,063 |
| Loan loss allowance to noncurrent loans | 415.8379% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,061 |
| Noncurrent loans to loans | 0.3098% | 3,275 |
| Net loans and leases to total assets | 67.7543% | 2,402 |
| Net loans and leases to deposits | 75.2315% | 2,947 |
| Net loans and leases to core deposits | 77.7796% | 3,129 |
| Total domestic deposits to total assets | 90.0610% | 386 |
| Equity capital to assets | 9.7620% | 3,414 |
| Core capital (leverage) ratio | 9.6399% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,650,333 | 2,623 |
| Average earning assets | $223,393,667 | 2,600 |
| Average equity | $24,472,000 | 2,816 |
| Average total loans | $164,939,333 | 2,517 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 1,084 |
| Cost of funding earning assets | 0.6531% | 3,152 |
| Net interest margin | 4.2877% | 775 |
| Noninterest income to average assets | 0.3409% | 3,479 |
| Noninterest expense to average assets | 2.4495% | 3,429 |
| Loan and lease loss provision to assets | 0.0315% | 3,379 |
| Net operating income to assets | 1.8778% | 350 |
| Return on assets (ROA) | 1.9460% | 329 |
| Pretax return on assets | 1.9460% | 517 |
| Return on Equity (ROE) | 18.3644% | 244 |
| Retained earnings to average equity (ytd only) | -30.0794% | 5,039 |
| Net charge-offs to loans | 0.4031% | 361 |
| Credit loss provision to net charge-offs | 11.1801% | 2,228 |
| Earnings coverage of net charge-offs (x) | 6.7826% | 1,967 |
| Efficiency ratio | 56.1974% | 4,194 |
| Assets per employee ($millions) | 4.6190% | 3,099 |
| Cash dividends to net income (ytd only)* | 263.7916% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,701 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 2,939 |
| Noncurrent loans to loans | 0.3730% | 3,145 |
| Net loans and leases to total assets | 69.6328% | 2,304 |
| Net loans and leases to deposits | 77.7517% | 2,912 |
| Net loans and leases to core deposits | 80.7110% | 3,135 |
| Total domestic deposits to total assets | 89.5579% | 454 |
| Equity capital to assets | 10.2270% | 3,575 |
| Core capital (leverage) ratio | 10.1794% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,781,000 | 2,642 |
| Average earning assets | $214,378,500 | 2,624 |
| Average equity | $24,242,500 | 2,828 |
| Average total loans | $159,761,500 | 2,545 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 1,140 |
| Cost of funding earning assets | 0.6435% | 3,445 |
| Net interest margin | 4.4922% | 724 |
| Noninterest income to average assets | 0.3937% | 3,334 |
| Noninterest expense to average assets | 2.4650% | 3,537 |
| Loan and lease loss provision to assets | 0.1612% | 1,296 |
| Net operating income to assets | 1.9974% | 355 |
| Return on assets (ROA) | 1.9746% | 390 |
| Pretax return on assets | 1.9746% | 631 |
| Return on Equity (ROE) | 18.5093% | 303 |
| Retained earnings to average equity (ytd only) | 0.6129% | 4,512 |
| Net charge-offs to loans | 0.0505% | 2,392 |
| Credit loss provision to net charge-offs | 439.0244% | 653 |
| Earnings coverage of net charge-offs (x) | 58.7805% | 995 |
| Efficiency ratio | 53.3127% | 4,492 |
| Assets per employee ($millions) | 4.7190% | 2,929 |
| Cash dividends to net income (ytd only)* | 96.6886% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,030 |
| Loan loss allowance to noncurrent loans | 206.9767% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,446 |
| Noncurrent loans to loans | 0.6181% | 2,341 |
| Net loans and leases to total assets | 68.3176% | 2,637 |
| Net loans and leases to deposits | 76.8437% | 3,101 |
| Net loans and leases to core deposits | 80.0683% | 3,289 |
| Total domestic deposits to total assets | 88.9045% | 711 |
| Equity capital to assets | 10.9580% | 3,046 |
| Core capital (leverage) ratio | 10.9755% | 2,521 |
| Tier 1 risk-based capital ratio | 14.6198% | 2,948 |
| Total risk-based capital ratio | 15.8242% | 2,882 |
| Memoranda: | ||
| Average total assets | $223,285,400 | 2,634 |
| Average earning assets | $210,251,400 | 2,602 |
| Average equity | $23,820,400 | 2,811 |
| Average total loans | $162,312,800 | 2,485 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 1,221 |
| Cost of funding earning assets | 0.6273% | 3,544 |
| Net interest margin | 4.5007% | 761 |
| Noninterest income to average assets | 0.4037% | 3,291 |
| Noninterest expense to average assets | 2.4533% | 3,557 |
| Loan and lease loss provision to assets | 0.2169% | 794 |
| Net operating income to assets | 1.9870% | 405 |
| Return on assets (ROA) | 1.9563% | 450 |
| Pretax return on assets | 1.9563% | 755 |
| Return on Equity (ROE) | 18.4686% | 355 |
| Retained earnings to average equity (ytd only) | -5.7789% | 5,079 |
| Net charge-offs to loans | 0.0098% | 3,021 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 304.8256% | 309 |
| Efficiency ratio | 52.6779% | 4,542 |
| Assets per employee ($millions) | 4.6403% | 2,987 |
| Cash dividends to net income (ytd only)* | 131.2903% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,048 |
| Loan loss allowance to noncurrent loans | 173.3825% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,070 |
| Noncurrent loans to loans | 0.7396% | 2,116 |
| Net loans and leases to total assets | 73.1713% | 1,968 |
| Net loans and leases to deposits | 82.2851% | 2,650 |
| Net loans and leases to core deposits | 85.6679% | 2,937 |
| Total domestic deposits to total assets | 88.9241% | 639 |
| Equity capital to assets | 10.8627% | 3,237 |
| Core capital (leverage) ratio | 10.8212% | 2,815 |
| Tier 1 risk-based capital ratio | 13.6572% | 3,501 |
| Total risk-based capital ratio | 14.8787% | 3,418 |
| Memoranda: | ||
| Average total assets | $221,299,500 | 2,671 |
| Average earning assets | $209,148,500 | 2,635 |
| Average equity | $23,441,000 | 2,855 |
| Average total loans | $162,886,750 | 2,502 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 1,240 |
| Cost of funding earning assets | 0.6041% | 3,630 |
| Net interest margin | 4.4873% | 789 |
| Noninterest income to average assets | 0.3994% | 3,277 |
| Noninterest expense to average assets | 2.4490% | 3,612 |
| Loan and lease loss provision to assets | 0.2174% | 766 |
| Net operating income to assets | 1.9781% | 403 |
| Return on assets (ROA) | 1.9355% | 466 |
| Pretax return on assets | 1.9355% | 776 |
| Return on Equity (ROE) | 18.4306% | 358 |
| Retained earnings to average equity (ytd only) | -14.3685% | 5,214 |
| Net charge-offs to loans | 0.0247% | 2,356 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 121.2000% | 602 |
| Efficiency ratio | 52.7301% | 4,593 |
| Assets per employee ($millions) | 4.7090% | 2,866 |
| Cash dividends to net income (ytd only)* | 177.9598% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,382 |
| Loan loss allowance to noncurrent loans | 171.6135% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 2,229 |
| Noncurrent loans to loans | 0.7144% | 2,199 |
| Net loans and leases to total assets | 73.9764% | 1,897 |
| Net loans and leases to deposits | 83.1279% | 2,592 |
| Net loans and leases to core deposits | 86.2603% | 2,940 |
| Total domestic deposits to total assets | 88.9911% | 665 |
| Equity capital to assets | 10.8141% | 3,255 |
| Core capital (leverage) ratio | 10.4983% | 3,090 |
| Tier 1 risk-based capital ratio | 13.3832% | 3,637 |
| Total risk-based capital ratio | 14.5401% | 3,594 |
| Memoranda: | ||
| Average total assets | $220,821,000 | 2,682 |
| Average earning assets | $208,898,670 | 2,648 |
| Average equity | $23,189,670 | 2,868 |
| Average total loans | $162,150,670 | 2,513 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,462 |
| Cost of funding earning assets | 0.5844% | 3,654 |
| Net interest margin | 4.3700% | 969 |
| Noninterest income to average assets | 0.3427% | 3,576 |
| Noninterest expense to average assets | 2.4529% | 3,626 |
| Loan and lease loss provision to assets | 0.2153% | 723 |
| Net operating income to assets | 1.8069% | 576 |
| Return on assets (ROA) | 1.7315% | 712 |
| Pretax return on assets | 1.7315% | 1,135 |
| Return on Equity (ROE) | 16.7302% | 499 |
| Retained earnings to average equity (ytd only) | -32.4723% | 5,312 |
| Net charge-offs to loans | 0.0493% | 1,579 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 56.3500% | 951 |
| Efficiency ratio | 54.8115% | 4,455 |
| Assets per employee ($millions) | 4.9123% | 2,628 |
| Cash dividends to net income (ytd only)* | 294.0933% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,866 |
| Loan loss allowance to noncurrent loans | 248.7350% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 2,849 |
| Noncurrent loans to loans | 0.4616% | 2,931 |
| Net loans and leases to total assets | 72.7612% | 2,031 |
| Net loans and leases to deposits | 81.2225% | 2,702 |
| Net loans and leases to core deposits | 85.8587% | 2,878 |
| Total domestic deposits to total assets | 89.5825% | 608 |
| Equity capital to assets | 10.2193% | 3,601 |
| Core capital (leverage) ratio | 10.2899% | 3,287 |
| Tier 1 risk-based capital ratio | 13.6723% | 3,508 |
| Total risk-based capital ratio | 14.7931% | 3,496 |
| Memoranda: | ||
| Average total assets | $222,924,000 | 2,701 |
| Average earning assets | $210,801,500 | 2,660 |
| Average equity | $23,072,000 | 2,878 |
| Average total loans | $162,109,500 | 2,541 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 1,143 |
| Cost of funding earning assets | 0.5105% | 3,287 |
| Net interest margin | 4.4454% | 852 |
| Noninterest income to average assets | 0.4127% | 3,362 |
| Noninterest expense to average assets | 2.4004% | 3,877 |
| Loan and lease loss provision to assets | 0.0677% | 2,789 |
| Net operating income to assets | 2.1271% | 288 |
| Return on assets (ROA) | 2.1267% | 281 |
| Pretax return on assets | 2.1267% | 413 |
| Return on Equity (ROE) | 21.3675% | 179 |
| Retained earnings to average equity (ytd only) | 3.4804% | 3,671 |
| Net charge-offs to loans | -0.0936% | 5,135 |
| Credit loss provision to net charge-offs | -102.0408% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2379% | 4,776 |
| Assets per employee ($millions) | 4.8869% | 2,632 |
| Cash dividends to net income (ytd only)* | 83.7116% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,128 |
| Loan loss allowance to noncurrent loans | 818.9815% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 3,869 |
| Noncurrent loans to loans | 0.1337% | 4,141 |
| Net loans and leases to total assets | 71.0609% | 2,411 |
| Net loans and leases to deposits | 79.8870% | 2,967 |
| Net loans and leases to core deposits | 84.8910% | 3,008 |
| Total domestic deposits to total assets | 88.9518% | 883 |
| Equity capital to assets | 10.4779% | 3,215 |
| Core capital (leverage) ratio | 11.0886% | 2,451 |
| Tier 1 risk-based capital ratio | 14.1067% | 3,240 |
| Total risk-based capital ratio | 15.1192% | 3,276 |
| Memoranda: | ||
| Average total assets | $221,709,800 | 2,685 |
| Average earning assets | $208,598,800 | 2,646 |
| Average equity | $22,066,200 | 2,894 |
| Average total loans | $157,069,600 | 2,555 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 1,109 |
| Cost of funding earning assets | 0.4962% | 3,219 |
| Net interest margin | 4.4275% | 853 |
| Noninterest income to average assets | 0.3796% | 3,601 |
| Noninterest expense to average assets | 2.3976% | 3,860 |
| Loan and lease loss provision to assets | 0.1629% | 1,176 |
| Net operating income to assets | 1.9818% | 398 |
| Return on assets (ROA) | 1.9812% | 395 |
| Pretax return on assets | 1.9812% | 651 |
| Return on Equity (ROE) | 20.1769% | 264 |
| Retained earnings to average equity (ytd only) | -4.0809% | 5,283 |
| Net charge-offs to loans | -0.0436% | 4,882 |
| Credit loss provision to net charge-offs | -529.4118% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7833% | 4,730 |
| Assets per employee ($millions) | 4.8630% | 2,647 |
| Cash dividends to net income (ytd only)* | 120.2256% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,010 |
| Loan loss allowance to noncurrent loans | 728.8618% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,910 |
| Noncurrent loans to loans | 0.1555% | 4,178 |
| Net loans and leases to total assets | 69.9342% | 2,660 |
| Net loans and leases to deposits | 77.5502% | 3,277 |
| Net loans and leases to core deposits | 83.4629% | 3,200 |
| Total domestic deposits to total assets | 90.1792% | 450 |
| Equity capital to assets | 9.6254% | 3,973 |
| Core capital (leverage) ratio | 10.5415% | 3,047 |
| Tier 1 risk-based capital ratio | 13.5030% | 3,625 |
| Total risk-based capital ratio | 14.5465% | 3,654 |
| Memoranda: | ||
| Average total assets | $220,938,250 | 2,701 |
| Average earning assets | $207,726,750 | 2,669 |
| Average equity | $21,694,250 | 2,934 |
| Average total loans | $155,959,250 | 2,582 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,029 |
| Cost of funding earning assets | 0.4826% | 3,146 |
| Net interest margin | 4.4144% | 826 |
| Noninterest income to average assets | 0.3727% | 3,667 |
| Noninterest expense to average assets | 2.3925% | 3,918 |
| Loan and lease loss provision to assets | 0.1636% | 1,131 |
| Net operating income to assets | 1.9571% | 412 |
| Return on assets (ROA) | 1.9562% | 412 |
| Pretax return on assets | 1.9562% | 674 |
| Return on Equity (ROE) | 19.7900% | 280 |
| Retained earnings to average equity (ytd only) | -12.5527% | 5,441 |
| Net charge-offs to loans | -0.0503% | 4,926 |
| Credit loss provision to net charge-offs | -461.5385% | 4,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0111% | 4,782 |
| Assets per employee ($millions) | 4.6286% | 2,927 |
| Cash dividends to net income (ytd only)* | 163.4294% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,250 |
| Loan loss allowance to noncurrent loans | 385.1936% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 3,062 |
| Noncurrent loans to loans | 0.2860% | 3,679 |
| Net loans and leases to total assets | 69.7827% | 2,611 |
| Net loans and leases to deposits | 77.4483% | 3,208 |
| Net loans and leases to core deposits | 84.0487% | 3,077 |
| Total domestic deposits to total assets | 90.1022% | 538 |
| Equity capital to assets | 9.6973% | 3,921 |
| Core capital (leverage) ratio | 10.3598% | 3,172 |
| Tier 1 risk-based capital ratio | 13.3519% | 3,704 |
| Total risk-based capital ratio | 14.3559% | 3,761 |
| Memoranda: | ||
| Average total assets | $220,018,000 | 2,729 |
| Average earning assets | $206,369,330 | 2,700 |
| Average equity | $21,748,330 | 2,944 |
| Average total loans | $155,200,670 | 2,606 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 943 |
| Cost of funding earning assets | 0.4609% | 3,121 |
| Net interest margin | 4.4028% | 766 |
| Noninterest income to average assets | 0.3453% | 3,836 |
| Noninterest expense to average assets | 2.3701% | 4,019 |
| Loan and lease loss provision to assets | 0.1627% | 1,108 |
| Net operating income to assets | 1.9398% | 420 |
| Return on assets (ROA) | 1.9417% | 419 |
| Pretax return on assets | 1.9417% | 659 |
| Return on Equity (ROE) | 19.4614% | 289 |
| Retained earnings to average equity (ytd only) | -26.3834% | 5,541 |
| Net charge-offs to loans | 0.1846% | 794 |
| Credit loss provision to net charge-offs | 125.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 16.1528% | 1,637 |
| Efficiency ratio | 52.9911% | 4,884 |
| Assets per employee ($millions) | 4.5567% | 3,059 |
| Cash dividends to net income (ytd only)* | 235.5680% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 4,154 |
| Loan loss allowance to noncurrent loans | 243.4641% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,553 |
| Noncurrent loans to loans | 0.3953% | 3,371 |
| Net loans and leases to total assets | 70.0960% | 2,471 |
| Net loans and leases to deposits | 77.6484% | 3,053 |
| Net loans and leases to core deposits | 84.0055% | 2,978 |
| Total domestic deposits to total assets | 90.2735% | 554 |
| Equity capital to assets | 9.5646% | 4,028 |
| Core capital (leverage) ratio | 10.1936% | 3,314 |
| Tier 1 risk-based capital ratio | 13.3188% | 3,765 |
| Total risk-based capital ratio | 14.2054% | 3,870 |
| Memoranda: | ||
| Average total assets | $221,255,000 | 2,747 |
| Average earning assets | $207,414,500 | 2,718 |
| Average equity | $22,074,500 | 2,952 |
| Average total loans | $156,051,500 | 2,613 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,009 |
| Cost of funding earning assets | 0.4213% | 3,042 |
| Net interest margin | 4.3611% | 839 |
| Noninterest income to average assets | 0.4059% | 3,599 |
| Noninterest expense to average assets | 2.4023% | 4,075 |
| Loan and lease loss provision to assets | 0.1247% | 1,831 |
| Net operating income to assets | 1.9864% | 291 |
| Return on assets (ROA) | 1.9805% | 296 |
| Pretax return on assets | 1.9805% | 515 |
| Return on Equity (ROE) | 19.5670% | 209 |
| Retained earnings to average equity (ytd only) | 2.6839% | 3,707 |
| Net charge-offs to loans | 0.2043% | 1,265 |
| Credit loss provision to net charge-offs | 84.8765% | 2,871 |
| Earnings coverage of net charge-offs (x) | 14.3673% | 2,331 |
| Efficiency ratio | 53.2255% | 5,016 |
| Assets per employee ($millions) | 4.6622% | 2,935 |
| Cash dividends to net income (ytd only)* | 86.2835% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 4,291 |
| Loan loss allowance to noncurrent loans | 178.6408% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 2,706 |
| Noncurrent loans to loans | 0.5238% | 2,941 |
| Net loans and leases to total assets | 69.6309% | 2,578 |
| Net loans and leases to deposits | 78.9231% | 3,021 |
| Net loans and leases to core deposits | 84.7119% | 3,006 |
| Total domestic deposits to total assets | 88.2263% | 1,386 |
| Equity capital to assets | 10.3800% | 3,293 |
| Core capital (leverage) ratio | 10.7130% | 2,631 |
| Tier 1 risk-based capital ratio | 14.6366% | 3,018 |
| Total risk-based capital ratio | 15.5385% | 3,097 |
| Memoranda: | ||
| Average total assets | $220,501,400 | 2,725 |
| Average earning assets | $207,674,600 | 2,689 |
| Average equity | $22,318,200 | 2,920 |
| Average total loans | $158,624,600 | 2,564 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 1,031 |
| Cost of funding earning assets | 0.4221% | 2,969 |
| Net interest margin | 4.3276% | 863 |
| Noninterest income to average assets | 0.4230% | 3,533 |
| Noninterest expense to average assets | 2.3798% | 4,070 |
| Loan and lease loss provision to assets | 0.1366% | 1,573 |
| Net operating income to assets | 1.9889% | 323 |
| Return on assets (ROA) | 1.9768% | 336 |
| Pretax return on assets | 1.9768% | 574 |
| Return on Equity (ROE) | 19.6580% | 238 |
| Retained earnings to average equity (ytd only) | -3.0842% | 5,492 |
| Net charge-offs to loans | 0.0830% | 1,970 |
| Credit loss provision to net charge-offs | 227.2727% | 1,225 |
| Earnings coverage of net charge-offs (x) | 35.3729% | 1,415 |
| Efficiency ratio | 52.8223% | 5,038 |
| Assets per employee ($millions) | 4.5619% | 3,030 |
| Cash dividends to net income (ytd only)* | 115.6891% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,933 |
| Loan loss allowance to noncurrent loans | 133.9024% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 2,640 |
| Noncurrent loans to loans | 0.7654% | 2,447 |
| Net loans and leases to total assets | 71.1583% | 2,383 |
| Net loans and leases to deposits | 79.3605% | 3,033 |
| Net loans and leases to core deposits | 86.5239% | 2,921 |
| Total domestic deposits to total assets | 89.6647% | 594 |
| Equity capital to assets | 10.1774% | 3,712 |
| Core capital (leverage) ratio | 10.3217% | 3,175 |
| Tier 1 risk-based capital ratio | 13.6893% | 3,588 |
| Total risk-based capital ratio | 14.6796% | 3,666 |
| Memoranda: | ||
| Average total assets | $219,680,000 | 2,756 |
| Average earning assets | $207,222,250 | 2,715 |
| Average equity | $22,090,500 | 2,967 |
| Average total loans | $158,956,500 | 2,577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,017 |
| Cost of funding earning assets | 0.4215% | 2,875 |
| Net interest margin | 4.2990% | 865 |
| Noninterest income to average assets | 0.4387% | 3,432 |
| Noninterest expense to average assets | 2.3957% | 4,057 |
| Loan and lease loss provision to assets | 0.1374% | 1,508 |
| Net operating income to assets | 1.9588% | 330 |
| Return on assets (ROA) | 1.9570% | 339 |
| Pretax return on assets | 1.9570% | 579 |
| Return on Equity (ROE) | 19.5422% | 238 |
| Retained earnings to average equity (ytd only) | -10.1872% | 5,654 |
| Net charge-offs to loans | -0.0202% | 4,786 |
| Credit loss provision to net charge-offs | -937.5000% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 5,070 |
| Assets per employee ($millions) | 4.4855% | 3,130 |
| Cash dividends to net income (ytd only)* | 152.1292% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,829 |
| Loan loss allowance to noncurrent loans | 147.2949% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 2,782 |
| Noncurrent loans to loans | 0.7157% | 2,601 |
| Net loans and leases to total assets | 72.0803% | 2,191 |
| Net loans and leases to deposits | 80.3357% | 2,873 |
| Net loans and leases to core deposits | 87.6124% | 2,738 |
| Total domestic deposits to total assets | 89.7239% | 635 |
| Equity capital to assets | 10.1051% | 3,791 |
| Core capital (leverage) ratio | 10.2070% | 3,264 |
| Tier 1 risk-based capital ratio | 13.1504% | 3,918 |
| Total risk-based capital ratio | 14.1524% | 3,976 |
| Memoranda: | ||
| Average total assets | $218,395,330 | 2,784 |
| Average earning assets | $205,909,330 | 2,745 |
| Average equity | $21,870,670 | 2,986 |
| Average total loans | $158,372,000 | 2,588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,026 |
| Cost of funding earning assets | 0.4173% | 2,835 |
| Net interest margin | 4.2335% | 920 |
| Noninterest income to average assets | 0.4924% | 3,031 |
| Noninterest expense to average assets | 2.3207% | 4,350 |
| Loan and lease loss provision to assets | 0.1378% | 1,381 |
| Net operating income to assets | 2.0230% | 292 |
| Return on assets (ROA) | 2.0175% | 304 |
| Pretax return on assets | 2.0175% | 491 |
| Return on Equity (ROE) | 20.2387% | 221 |
| Retained earnings to average equity (ytd only) | -20.6995% | 5,735 |
| Net charge-offs to loans | -0.0254% | 4,857 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7835% | 5,275 |
| Assets per employee ($millions) | 4.5635% | 3,072 |
| Cash dividends to net income (ytd only)* | 202.2769% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,111 |
| Loan loss allowance to noncurrent loans | 165.7379% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 3,056 |
| Noncurrent loans to loans | 0.6201% | 2,963 |
| Net loans and leases to total assets | 70.6008% | 2,281 |
| Net loans and leases to deposits | 78.2960% | 2,939 |
| Net loans and leases to core deposits | 87.2340% | 2,618 |
| Total domestic deposits to total assets | 90.1717% | 588 |
| Equity capital to assets | 9.7507% | 4,017 |
| Core capital (leverage) ratio | 10.2493% | 3,194 |
| Tier 1 risk-based capital ratio | 13.3051% | 3,885 |
| Total risk-based capital ratio | 14.2705% | 3,970 |
| Memoranda: | ||
| Average total assets | $217,697,500 | 2,812 |
| Average earning assets | $205,126,000 | 2,776 |
| Average equity | $21,701,000 | 3,010 |
| Average total loans | $157,501,000 | 2,612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 827 |
| Cost of funding earning assets | 0.4120% | 2,889 |
| Net interest margin | 4.4251% | 733 |
| Noninterest income to average assets | 0.3948% | 3,931 |
| Noninterest expense to average assets | 2.4870% | 4,058 |
| Loan and lease loss provision to assets | 0.0267% | 3,819 |
| Net operating income to assets | 2.0521% | 283 |
| Return on assets (ROA) | 2.0761% | 284 |
| Pretax return on assets | 2.0761% | 424 |
| Return on Equity (ROE) | 19.6457% | 225 |
| Retained earnings to average equity (ytd only) | 0.6935% | 5,048 |
| Net charge-offs to loans | 0.1188% | 2,068 |
| Credit loss provision to net charge-offs | 29.5858% | 3,594 |
| Earnings coverage of net charge-offs (x) | 22.9941% | 1,706 |
| Efficiency ratio | 54.4698% | 5,204 |
| Assets per employee ($millions) | 4.6031% | 2,954 |
| Cash dividends to net income (ytd only)* | 96.4700% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,536 |
| Loan loss allowance to noncurrent loans | 320.8861% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,859 |
| Noncurrent loans to loans | 0.2986% | 4,075 |
| Net loans and leases to total assets | 72.6728% | 2,069 |
| Net loans and leases to deposits | 81.3195% | 2,750 |
| Net loans and leases to core deposits | 87.9654% | 2,678 |
| Total domestic deposits to total assets | 89.3670% | 915 |
| Equity capital to assets | 10.1888% | 3,499 |
| Core capital (leverage) ratio | 11.7412% | 1,768 |
| Tier 1 risk-based capital ratio | 14.2747% | 3,300 |
| Total risk-based capital ratio | 15.2057% | 3,405 |
| Memoranda: | ||
| Average total assets | $186,933,600 | 3,090 |
| Average earning assets | $176,199,400 | 3,050 |
| Average equity | $19,755,000 | 3,196 |
| Average total loans | $142,252,800 | 2,750 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 787 |
| Cost of funding earning assets | 0.4220% | 2,824 |
| Net interest margin | 4.4402% | 722 |
| Noninterest income to average assets | 0.3980% | 3,936 |
| Noninterest expense to average assets | 2.3952% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.1902% | 252 |
| Return on assets (ROA) | 2.2229% | 248 |
| Pretax return on assets | 2.2229% | 365 |
| Return on Equity (ROE) | 20.8096% | 200 |
| Retained earnings to average equity (ytd only) | -5.2128% | 5,744 |
| Net charge-offs to loans | 0.0676% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 42.1434% | 1,199 |
| Efficiency ratio | 52.2345% | 5,371 |
| Assets per employee ($millions) | 4.7345% | 2,691 |
| Cash dividends to net income (ytd only)* | 125.0502% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,684 |
| Loan loss allowance to noncurrent loans | 613.2813% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,099 |
| Noncurrent loans to loans | 0.1840% | 4,612 |
| Net loans and leases to total assets | 74.5095% | 1,788 |
| Net loans and leases to deposits | 83.3089% | 2,570 |
| Net loans and leases to core deposits | 93.4874% | 2,234 |
| Total domestic deposits to total assets | 89.4376% | 707 |
| Equity capital to assets | 10.4151% | 3,656 |
| Core capital (leverage) ratio | 10.6072% | 2,867 |
| Tier 1 risk-based capital ratio | 13.5207% | 3,848 |
| Total risk-based capital ratio | 14.6252% | 3,848 |
| Memoranda: | ||
| Average total assets | $179,580,750 | 3,181 |
| Average earning assets | $169,356,000 | 3,135 |
| Average equity | $19,183,000 | 3,270 |
| Average total loans | $138,129,750 | 2,811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 833 |
| Cost of funding earning assets | 0.4241% | 2,788 |
| Net interest margin | 4.4047% | 760 |
| Noninterest income to average assets | 0.3969% | 3,889 |
| Noninterest expense to average assets | 2.4093% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1327% | 254 |
| Return on assets (ROA) | 2.1496% | 262 |
| Pretax return on assets | 2.1496% | 418 |
| Return on Equity (ROE) | 19.9510% | 246 |
| Retained earnings to average equity (ytd only) | -13.8989% | 5,923 |
| Net charge-offs to loans | 0.1103% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.9605% | 1,523 |
| Efficiency ratio | 53.0446% | 5,382 |
| Assets per employee ($millions) | 4.3885% | 3,237 |
| Cash dividends to net income (ytd only)* | 169.6653% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,660 |
| Loan loss allowance to noncurrent loans | 623.1076% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 3,589 |
| Noncurrent loans to loans | 0.1843% | 4,696 |
| Net loans and leases to total assets | 76.6909% | 1,387 |
| Net loans and leases to deposits | 86.6396% | 2,175 |
| Net loans and leases to core deposits | 94.5931% | 2,101 |
| Total domestic deposits to total assets | 88.5172% | 1,158 |
| Equity capital to assets | 10.7639% | 3,329 |
| Core capital (leverage) ratio | 10.5397% | 2,923 |
| Tier 1 risk-based capital ratio | 13.6024% | 3,837 |
| Total risk-based capital ratio | 14.7439% | 3,821 |
| Memoranda: | ||
| Average total assets | $177,892,670 | 3,214 |
| Average earning assets | $167,410,670 | 3,174 |
| Average equity | $19,167,000 | 3,279 |
| Average total loans | $137,790,330 | 2,824 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 870 |
| Cost of funding earning assets | 0.4176% | 2,880 |
| Net interest margin | 4.3731% | 788 |
| Noninterest income to average assets | 0.3708% | 4,074 |
| Noninterest expense to average assets | 2.3030% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1846% | 235 |
| Return on assets (ROA) | 2.1824% | 247 |
| Pretax return on assets | 2.1824% | 392 |
| Return on Equity (ROE) | 20.2456% | 229 |
| Retained earnings to average equity (ytd only) | -27.8091% | 6,017 |
| Net charge-offs to loans | 0.2338% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.0741% | 1,820 |
| Efficiency ratio | 51.3191% | 5,546 |
| Assets per employee ($millions) | 4.3102% | 3,390 |
| Cash dividends to net income (ytd only)* | 237.3593% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,902 |
| Loan loss allowance to noncurrent loans | 5,029.0323% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 4,134 |
| Noncurrent loans to loans | 0.0224% | 5,412 |
| Net loans and leases to total assets | 77.3945% | 1,192 |
| Net loans and leases to deposits | 86.7417% | 1,978 |
| Net loans and leases to core deposits | 95.9520% | 1,801 |
| Total domestic deposits to total assets | 89.2241% | 985 |
| Equity capital to assets | 10.5864% | 3,387 |
| Core capital (leverage) ratio | 10.5344% | 2,921 |
| Tier 1 risk-based capital ratio | 13.9094% | 3,748 |
| Total risk-based capital ratio | 15.0735% | 3,735 |
| Memoranda: | ||
| Average total assets | $179,068,500 | 3,213 |
| Average earning assets | $168,576,500 | 3,169 |
| Average equity | $19,303,000 | 3,273 |
| Average total loans | $138,591,500 | 2,813 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 908 |
| Cost of funding earning assets | 0.3937% | 3,222 |
| Net interest margin | 4.4158% | 772 |
| Noninterest income to average assets | 0.4291% | 3,824 |
| Noninterest expense to average assets | 2.2703% | 4,876 |
| Loan and lease loss provision to assets | 0.1346% | 1,777 |
| Net operating income to assets | 2.1957% | 251 |
| Return on assets (ROA) | 2.2103% | 254 |
| Pretax return on assets | 2.2103% | 338 |
| Return on Equity (ROE) | 20.9296% | 204 |
| Retained earnings to average equity (ytd only) | 2.8898% | 4,007 |
| Net charge-offs to loans | -0.1185% | 5,823 |
| Credit loss provision to net charge-offs | -148.1481% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3476% | 5,781 |
| Assets per employee ($millions) | 4.7742% | 2,641 |
| Cash dividends to net income (ytd only)* | 86.1929% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,586 |
| Loan loss allowance to noncurrent loans | 1,561.9048% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 3,599 |
| Noncurrent loans to loans | 0.0756% | 5,201 |
| Net loans and leases to total assets | 75.6338% | 1,474 |
| Net loans and leases to deposits | 85.0634% | 2,233 |
| Net loans and leases to core deposits | 94.2035% | 2,036 |
| Total domestic deposits to total assets | 88.9146% | 1,160 |
| Equity capital to assets | 10.9680% | 2,855 |
| Core capital (leverage) ratio | 11.1240% | 2,284 |
| Tier 1 risk-based capital ratio | 14.2205% | 3,597 |
| Total risk-based capital ratio | 15.3883% | 3,557 |
| Memoranda: | ||
| Average total assets | $178,260,000 | 3,194 |
| Average earning assets | $168,396,200 | 3,143 |
| Average equity | $18,825,000 | 3,274 |
| Average total loans | $136,684,200 | 2,769 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 891 |
| Cost of funding earning assets | 0.3929% | 3,296 |
| Net interest margin | 4.4330% | 745 |
| Noninterest income to average assets | 0.3148% | 4,689 |
| Noninterest expense to average assets | 2.2411% | 4,936 |
| Loan and lease loss provision to assets | 0.1803% | 1,157 |
| Net operating income to assets | 2.0893% | 313 |
| Return on assets (ROA) | 2.1134% | 320 |
| Pretax return on assets | 2.1134% | 488 |
| Return on Equity (ROE) | 20.2114% | 261 |
| Retained earnings to average equity (ytd only) | -4.1888% | 6,002 |
| Net charge-offs to loans | -0.1273% | 5,875 |
| Credit loss provision to net charge-offs | -184.6154% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6835% | 5,796 |
| Assets per employee ($millions) | 4.5266% | 2,959 |
| Cash dividends to net income (ytd only)* | 120.7254% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,865 |
| Loan loss allowance to noncurrent loans | 402.0000% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 3,250 |
| Noncurrent loans to loans | 0.2888% | 4,549 |
| Net loans and leases to total assets | 77.5508% | 1,169 |
| Net loans and leases to deposits | 86.9150% | 2,040 |
| Net loans and leases to core deposits | 96.5207% | 1,839 |
| Total domestic deposits to total assets | 89.2260% | 911 |
| Equity capital to assets | 10.6313% | 3,433 |
| Core capital (leverage) ratio | 10.6833% | 2,844 |
| Tier 1 risk-based capital ratio | 13.6369% | 4,060 |
| Total risk-based capital ratio | 14.8006% | 4,039 |
| Memoranda: | ||
| Average total assets | $177,470,250 | 3,232 |
| Average earning assets | $167,979,750 | 3,176 |
| Average equity | $18,556,750 | 3,339 |
| Average total loans | $136,141,750 | 2,797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 963 |
| Cost of funding earning assets | 0.3904% | 3,366 |
| Net interest margin | 4.3720% | 803 |
| Noninterest income to average assets | 0.2565% | 5,119 |
| Noninterest expense to average assets | 2.2488% | 4,979 |
| Loan and lease loss provision to assets | 0.2250% | 839 |
| Net operating income to assets | 1.9271% | 417 |
| Return on assets (ROA) | 1.9485% | 415 |
| Pretax return on assets | 1.9485% | 663 |
| Return on Equity (ROE) | 18.7382% | 358 |
| Retained earnings to average equity (ytd only) | -12.2793% | 6,211 |
| Net charge-offs to loans | -0.0916% | 5,757 |
| Credit loss provision to net charge-offs | -322.5806% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0992% | 5,792 |
| Assets per employee ($millions) | 4.6312% | 2,776 |
| Cash dividends to net income (ytd only)* | 165.5312% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 4,424 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 3,801 |
| Noncurrent loans to loans | 0.0722% | 5,442 |
| Net loans and leases to total assets | 77.8758% | 1,085 |
| Net loans and leases to deposits | 86.8955% | 1,952 |
| Net loans and leases to core deposits | 96.5263% | 1,755 |
| Total domestic deposits to total assets | 89.6201% | 831 |
| Equity capital to assets | 10.2538% | 3,744 |
| Core capital (leverage) ratio | 10.4093% | 3,076 |
| Tier 1 risk-based capital ratio | 13.0090% | 4,515 |
| Total risk-based capital ratio | 14.0759% | 4,526 |
| Memoranda: | ||
| Average total assets | $177,781,670 | 3,244 |
| Average earning assets | $168,528,670 | 3,183 |
| Average equity | $18,486,330 | 3,362 |
| Average total loans | $135,351,330 | 2,821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,166 |
| Cost of funding earning assets | 0.3836% | 3,481 |
| Net interest margin | 4.2453% | 982 |
| Noninterest income to average assets | 0.2933% | 4,825 |
| Noninterest expense to average assets | 2.2185% | 5,098 |
| Loan and lease loss provision to assets | 0.2686% | 584 |
| Net operating income to assets | 1.8446% | 447 |
| Return on assets (ROA) | 1.8872% | 437 |
| Pretax return on assets | 1.8872% | 734 |
| Return on Equity (ROE) | 18.0253% | 383 |
| Retained earnings to average equity (ytd only) | -25.6161% | 6,318 |
| Net charge-offs to loans | -0.0120% | 4,801 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2145% | 5,849 |
| Assets per employee ($millions) | 4.6473% | 2,835 |
| Cash dividends to net income (ytd only)* | 242.1115% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 4,921 |
| Loan loss allowance to noncurrent loans | 857.2327% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 3,213 |
| Noncurrent loans to loans | 0.1189% | 5,346 |
| Net loans and leases to total assets | 76.9847% | 1,059 |
| Net loans and leases to deposits | 86.6392% | 1,760 |
| Net loans and leases to core deposits | 94.0852% | 1,759 |
| Total domestic deposits to total assets | 88.8567% | 1,357 |
| Equity capital to assets | 10.5891% | 3,440 |
| Core capital (leverage) ratio | 10.2407% | 3,291 |
| Tier 1 risk-based capital ratio | 13.2110% | 4,491 |
| Total risk-based capital ratio | 14.1988% | 4,549 |
| Memoranda: | ||
| Average total assets | $178,680,500 | 3,254 |
| Average earning assets | $169,974,500 | 3,180 |
| Average equity | $18,707,000 | 3,368 |
| Average total loans | $133,752,500 | 2,852 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,441 |
| Cost of funding earning assets | 0.3928% | 3,759 |
| Net interest margin | 4.2487% | 1,166 |
| Noninterest income to average assets | 0.3820% | 4,328 |
| Noninterest expense to average assets | 2.2641% | 5,209 |
| Loan and lease loss provision to assets | 0.1020% | 2,451 |
| Net operating income to assets | 2.0187% | 314 |
| Return on assets (ROA) | 2.0153% | 326 |
| Pretax return on assets | 2.0153% | 496 |
| Return on Equity (ROE) | 19.7483% | 269 |
| Retained earnings to average equity (ytd only) | 2.2936% | 4,606 |
| Net charge-offs to loans | 0.2150% | 1,946 |
| Credit loss provision to net charge-offs | 67.4157% | 3,127 |
| Earnings coverage of net charge-offs (x) | 14.0150% | 2,211 |
| Efficiency ratio | 51.6350% | 6,004 |
| Assets per employee ($millions) | 5.1503% | 2,123 |
| Cash dividends to net income (ytd only)* | 88.3858% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 5,379 |
| Loan loss allowance to noncurrent loans | 255.9917% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 3,377 |
| Noncurrent loans to loans | 0.3618% | 4,571 |
| Net loans and leases to total assets | 71.4778% | 2,000 |
| Net loans and leases to deposits | 79.8476% | 2,736 |
| Net loans and leases to core deposits | 84.9646% | 2,784 |
| Total domestic deposits to total assets | 89.5178% | 968 |
| Equity capital to assets | 10.3587% | 3,657 |
| Core capital (leverage) ratio | 10.8214% | 2,596 |
| Tier 1 risk-based capital ratio | 13.9873% | 4,105 |
| Total risk-based capital ratio | 14.8794% | 4,272 |
| Memoranda: | ||
| Average total assets | $176,449,400 | 3,250 |
| Average earning assets | $166,238,800 | 3,200 |
| Average equity | $18,006,600 | 3,395 |
| Average total loans | $124,168,000 | 2,968 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 1,481 |
| Cost of funding earning assets | 0.3979% | 3,813 |
| Net interest margin | 4.2355% | 1,190 |
| Noninterest income to average assets | 0.3911% | 4,314 |
| Noninterest expense to average assets | 2.3167% | 5,064 |
| Loan and lease loss provision to assets | 0.0459% | 3,468 |
| Net operating income to assets | 2.0121% | 338 |
| Return on assets (ROA) | 2.0190% | 348 |
| Pretax return on assets | 2.0190% | 543 |
| Return on Equity (ROE) | 19.8639% | 293 |
| Retained earnings to average equity (ytd only) | -3.8026% | 6,196 |
| Net charge-offs to loans | 0.0033% | 4,590 |
| Credit loss provision to net charge-offs | 2,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 896.3100% | 82 |
| Efficiency ratio | 52.9566% | 5,924 |
| Assets per employee ($millions) | 4.8502% | 2,445 |
| Cash dividends to net income (ytd only)* | 119.1431% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 4,811 |
| Loan loss allowance to noncurrent loans | 306.4302% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 3,565 |
| Noncurrent loans to loans | 0.3547% | 4,843 |
| Net loans and leases to total assets | 70.0831% | 2,181 |
| Net loans and leases to deposits | 80.3590% | 2,637 |
| Net loans and leases to core deposits | 85.8409% | 2,683 |
| Total domestic deposits to total assets | 87.2125% | 2,186 |
| Equity capital to assets | 10.1255% | 4,017 |
| Core capital (leverage) ratio | 10.7093% | 2,811 |
| Tier 1 risk-based capital ratio | 13.8787% | 4,304 |
| Total risk-based capital ratio | 14.9151% | 4,378 |
| Memoranda: | ||
| Average total assets | $174,209,250 | 3,303 |
| Average earning assets | $163,849,500 | 3,265 |
| Average equity | $17,706,750 | 3,450 |
| Average total loans | $121,768,500 | 3,026 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,439 |
| Cost of funding earning assets | 0.4013% | 3,855 |
| Net interest margin | 4.2327% | 1,177 |
| Noninterest income to average assets | 0.3595% | 4,545 |
| Noninterest expense to average assets | 2.2915% | 5,170 |
| Loan and lease loss provision to assets | 0.0696% | 2,877 |
| Net operating income to assets | 1.9610% | 365 |
| Return on assets (ROA) | 1.9645% | 377 |
| Pretax return on assets | 1.9645% | 601 |
| Return on Equity (ROE) | 19.3026% | 336 |
| Retained earnings to average equity (ytd only) | -11.1782% | 6,445 |
| Net charge-offs to loans | 0.0150% | 3,936 |
| Credit loss provision to net charge-offs | 666.6667% | 466 |
| Earnings coverage of net charge-offs (x) | 194.5556% | 331 |
| Efficiency ratio | 53.0185% | 5,996 |
| Assets per employee ($millions) | 4.5592% | 2,829 |
| Cash dividends to net income (ytd only)* | 157.9103% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,560 |
| Loan loss allowance to noncurrent loans | 160.9357% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 2,990 |
| Noncurrent loans to loans | 0.7276% | 3,877 |
| Net loans and leases to total assets | 68.8466% | 2,269 |
| Net loans and leases to deposits | 76.9559% | 2,937 |
| Net loans and leases to core deposits | 82.8433% | 2,876 |
| Total domestic deposits to total assets | 89.4624% | 1,111 |
| Equity capital to assets | 10.4191% | 3,542 |
| Core capital (leverage) ratio | 10.6169% | 2,806 |
| Tier 1 risk-based capital ratio | 14.1164% | 4,183 |
| Total risk-based capital ratio | 15.1936% | 4,232 |
| Memoranda: | ||
| Average total assets | $172,460,000 | 3,346 |
| Average earning assets | $161,457,000 | 3,301 |
| Average equity | $17,552,000 | 3,470 |
| Average total loans | $119,974,330 | 3,062 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,506 |
| Cost of funding earning assets | 0.3984% | 3,988 |
| Net interest margin | 4.2005% | 1,217 |
| Noninterest income to average assets | 0.3258% | 4,762 |
| Noninterest expense to average assets | 2.2117% | 5,433 |
| Loan and lease loss provision to assets | 0.0344% | 3,362 |
| Net operating income to assets | 1.9983% | 342 |
| Return on assets (ROA) | 2.0075% | 351 |
| Pretax return on assets | 2.0075% | 528 |
| Return on Equity (ROE) | 19.9544% | 289 |
| Retained earnings to average equity (ytd only) | -23.1927% | 6,565 |
| Net charge-offs to loans | -0.0198% | 5,350 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1081% | 6,130 |
| Assets per employee ($millions) | 4.6841% | 2,676 |
| Cash dividends to net income (ytd only)* | 216.2286% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,042 |
| Loan loss allowance to noncurrent loans | 124.1697% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 2,801 |
| Noncurrent loans to loans | 0.9002% | 3,634 |
| Net loans and leases to total assets | 68.7046% | 2,111 |
| Net loans and leases to deposits | 76.3933% | 2,770 |
| Net loans and leases to core deposits | 82.3720% | 2,702 |
| Total domestic deposits to total assets | 89.9354% | 1,107 |
| Equity capital to assets | 9.9204% | 3,940 |
| Core capital (leverage) ratio | 10.5478% | 2,875 |
| Tier 1 risk-based capital ratio | 14.0933% | 4,267 |
| Total risk-based capital ratio | 15.1474% | 4,343 |
| Memoranda: | ||
| Average total assets | $174,344,500 | 3,342 |
| Average earning assets | $162,647,500 | 3,312 |
| Average equity | $17,540,000 | 3,476 |
| Average total loans | $121,204,500 | 3,047 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 1,442 |
| Cost of funding earning assets | 0.4885% | 3,731 |
| Net interest margin | 4.2614% | 1,192 |
| Noninterest income to average assets | 0.4120% | 4,363 |
| Noninterest expense to average assets | 2.2825% | 5,424 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1308% | 276 |
| Return on assets (ROA) | 2.1608% | 260 |
| Pretax return on assets | 2.1608% | 329 |
| Return on Equity (ROE) | 21.1231% | 226 |
| Retained earnings to average equity (ytd only) | 2.6453% | 4,366 |
| Net charge-offs to loans | 0.1287% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 24.4570% | 1,367 |
| Efficiency ratio | 51.7192% | 6,313 |
| Assets per employee ($millions) | 4.7400% | 2,524 |
| Cash dividends to net income (ytd only)* | 87.4766% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,216 |
| Loan loss allowance to noncurrent loans | 259.8039% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 3,627 |
| Noncurrent loans to loans | 0.4181% | 4,954 |
| Net loans and leases to total assets | 68.8030% | 2,211 |
| Net loans and leases to deposits | 76.7264% | 2,894 |
| Net loans and leases to core deposits | 82.6870% | 2,813 |
| Total domestic deposits to total assets | 89.6732% | 1,235 |
| Equity capital to assets | 10.1991% | 3,507 |
| Core capital (leverage) ratio | 11.0649% | 2,329 |
| Tier 1 risk-based capital ratio | 14.4111% | 4,008 |
| Total risk-based capital ratio | 15.4154% | 4,125 |
| Memoranda: | ||
| Average total assets | $173,316,600 | 3,359 |
| Average earning assets | $162,740,200 | 3,307 |
| Average equity | $17,729,400 | 3,461 |
| Average total loans | $117,339,200 | 3,094 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,550 |
| Cost of funding earning assets | 0.5042% | 3,732 |
| Net interest margin | 4.2128% | 1,296 |
| Noninterest income to average assets | 0.4190% | 4,377 |
| Noninterest expense to average assets | 2.2191% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1774% | 271 |
| Return on assets (ROA) | 2.2600% | 240 |
| Pretax return on assets | 2.2600% | 345 |
| Return on Equity (ROE) | 22.0760% | 203 |
| Retained earnings to average equity (ytd only) | -2.6154% | 6,323 |
| Net charge-offs to loans | 0.0815% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 39.7483% | 1,005 |
| Efficiency ratio | 50.4739% | 6,370 |
| Assets per employee ($millions) | 4.6871% | 2,600 |
| Cash dividends to net income (ytd only)* | 111.8469% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 4,987 |
| Loan loss allowance to noncurrent loans | 175.1870% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 3,799 |
| Noncurrent loans to loans | 0.6709% | 4,523 |
| Net loans and leases to total assets | 68.1225% | 2,273 |
| Net loans and leases to deposits | 76.7866% | 2,849 |
| Net loans and leases to core deposits | 84.5857% | 2,585 |
| Total domestic deposits to total assets | 88.7166% | 1,715 |
| Equity capital to assets | 9.8534% | 4,105 |
| Core capital (leverage) ratio | 10.6001% | 2,892 |
| Tier 1 risk-based capital ratio | 13.9754% | 4,452 |
| Total risk-based capital ratio | 15.0545% | 4,519 |
| Memoranda: | ||
| Average total assets | $172,801,000 | 3,395 |
| Average earning assets | $163,151,000 | 3,332 |
| Average equity | $17,690,000 | 3,504 |
| Average total loans | $116,176,250 | 3,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 1,584 |
| Cost of funding earning assets | 0.5117% | 3,793 |
| Net interest margin | 4.1829% | 1,327 |
| Noninterest income to average assets | 0.4334% | 4,291 |
| Noninterest expense to average assets | 2.2260% | 5,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1577% | 278 |
| Return on assets (ROA) | 2.2770% | 240 |
| Pretax return on assets | 2.2770% | 360 |
| Return on Equity (ROE) | 21.9668% | 206 |
| Retained earnings to average equity (ytd only) | -9.6587% | 6,656 |
| Net charge-offs to loans | -0.0052% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7798% | 6,370 |
| Assets per employee ($millions) | 4.7406% | 2,465 |
| Cash dividends to net income (ytd only)* | 143.9695% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,695 |
| Loan loss allowance to noncurrent loans | 205.9889% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 3,695 |
| Noncurrent loans to loans | 0.6116% | 4,724 |
| Net loans and leases to total assets | 67.9173% | 2,252 |
| Net loans and leases to deposits | 76.3363% | 2,832 |
| Net loans and leases to core deposits | 84.1842% | 2,533 |
| Total domestic deposits to total assets | 88.9712% | 1,647 |
| Equity capital to assets | 9.5915% | 4,462 |
| Core capital (leverage) ratio | 10.2680% | 3,139 |
| Tier 1 risk-based capital ratio | 14.0026% | 4,424 |
| Total risk-based capital ratio | 15.1740% | 4,442 |
| Memoranda: | ||
| Average total assets | $172,593,670 | 3,419 |
| Average earning assets | $162,996,000 | 3,348 |
| Average equity | $17,890,670 | 3,504 |
| Average total loans | $115,053,330 | 3,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,587 |
| Cost of funding earning assets | 0.5164% | 3,911 |
| Net interest margin | 4.1655% | 1,290 |
| Noninterest income to average assets | 0.3434% | 4,943 |
| Noninterest expense to average assets | 2.2309% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0350% | 323 |
| Return on assets (ROA) | 2.3139% | 218 |
| Pretax return on assets | 2.3139% | 349 |
| Return on Equity (ROE) | 21.5318% | 218 |
| Retained earnings to average equity (ytd only) | -18.9154% | 6,821 |
| Net charge-offs to loans | -0.1440% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2961% | 6,363 |
| Assets per employee ($millions) | 5.0954% | 2,104 |
| Cash dividends to net income (ytd only)* | 187.8486% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,511 |
| Loan loss allowance to noncurrent loans | 211.5760% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2358% | 3,498 |
| Noncurrent loans to loans | 0.6336% | 4,864 |
| Net loans and leases to total assets | 64.4394% | 2,623 |
| Net loans and leases to deposits | 72.7482% | 3,090 |
| Net loans and leases to core deposits | 80.2724% | 2,781 |
| Total domestic deposits to total assets | 88.5786% | 1,951 |
| Equity capital to assets | 10.3911% | 3,683 |
| Core capital (leverage) ratio | 10.3870% | 2,918 |
| Tier 1 risk-based capital ratio | 14.4129% | 4,236 |
| Total risk-based capital ratio | 15.6508% | 4,206 |
| Memoranda: | ||
| Average total assets | $173,559,500 | 3,437 |
| Average earning assets | $163,439,500 | 3,379 |
| Average equity | $18,651,500 | 3,430 |
| Average total loans | $113,886,000 | 3,208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 1,047 |
| Cost of funding earning assets | 0.6658% | 3,780 |
| Net interest margin | 4.5704% | 825 |
| Noninterest income to average assets | 0.3045% | 5,265 |
| Noninterest expense to average assets | 2.3215% | 5,631 |
| Loan and lease loss provision to assets | 0.2436% | 2,707 |
| Net operating income to assets | 2.0558% | 325 |
| Return on assets (ROA) | 2.5414% | 161 |
| Pretax return on assets | 2.5414% | 244 |
| Return on Equity (ROE) | 22.9612% | 183 |
| Retained earnings to average equity (ytd only) | 4.8899% | 2,773 |
| Net charge-offs to loans | 0.4376% | 2,487 |
| Credit loss provision to net charge-offs | 79.2453% | 3,859 |
| Earnings coverage of net charge-offs (x) | 7.4792% | 2,590 |
| Efficiency ratio | 50.2385% | 6,580 |
| Assets per employee ($millions) | 5.4336% | 1,746 |
| Cash dividends to net income (ytd only)* | 78.7035% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,697 |
| Loan loss allowance to noncurrent loans | 219.1395% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 3,383 |
| Noncurrent loans to loans | 0.5880% | 5,062 |
| Net loans and leases to total assets | 65.0701% | 2,707 |
| Net loans and leases to deposits | 73.3280% | 3,203 |
| Net loans and leases to core deposits | 81.2939% | 2,853 |
| Total domestic deposits to total assets | 88.7384% | 1,739 |
| Equity capital to assets | 11.1006% | 2,834 |
| Core capital (leverage) ratio | 10.9703% | 2,283 |
| Tier 1 risk-based capital ratio | 15.1465% | 3,639 |
| Total risk-based capital ratio | 16.3529% | 3,613 |
| Memoranda: | ||
| Average total assets | $172,386,600 | 3,412 |
| Average earning assets | $162,807,800 | 3,333 |
| Average equity | $19,080,000 | 3,323 |
| Average total loans | $121,113,400 | 3,048 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 1,000 |
| Cost of funding earning assets | 0.6963% | 3,801 |
| Net interest margin | 4.6106% | 799 |
| Noninterest income to average assets | 0.3147% | 5,264 |
| Noninterest expense to average assets | 2.2687% | 5,776 |
| Loan and lease loss provision to assets | 0.3100% | 2,129 |
| Net operating income to assets | 2.1036% | 326 |
| Return on assets (ROA) | 2.6919% | 150 |
| Pretax return on assets | 2.6919% | 219 |
| Return on Equity (ROE) | 24.3396% | 158 |
| Retained earnings to average equity (ytd only) | 0.1752% | 6,023 |
| Net charge-offs to loans | 0.1553% | 3,873 |
| Credit loss provision to net charge-offs | 279.7203% | 974 |
| Earnings coverage of net charge-offs (x) | 21.7765% | 1,386 |
| Efficiency ratio | 48.4522% | 6,692 |
| Assets per employee ($millions) | 4.9271% | 2,285 |
| Cash dividends to net income (ytd only)* | 99.2802% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,737 |
| Loan loss allowance to noncurrent loans | 169.0826% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 2.0809% | 2,553 |
| Noncurrent loans to loans | 0.9158% | 4,600 |
| Net loans and leases to total assets | 69.9460% | 1,908 |
| Net loans and leases to deposits | 78.8781% | 2,546 |
| Net loans and leases to core deposits | 88.0009% | 2,214 |
| Total domestic deposits to total assets | 88.6761% | 1,606 |
| Equity capital to assets | 11.1030% | 3,146 |
| Core capital (leverage) ratio | 10.4590% | 2,967 |
| Tier 1 risk-based capital ratio | 14.1097% | 4,449 |
| Total risk-based capital ratio | 15.3626% | 4,410 |
| Memoranda: | ||
| Average total assets | $172,014,750 | 3,450 |
| Average earning assets | $162,953,000 | 3,368 |
| Average equity | $19,024,750 | 3,360 |
| Average total loans | $122,737,500 | 3,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3296% | 991 |
| Cost of funding earning assets | 0.7232% | 3,820 |
| Net interest margin | 4.6064% | 819 |
| Noninterest income to average assets | 0.2628% | 5,701 |
| Noninterest expense to average assets | 2.2223% | 5,948 |
| Loan and lease loss provision to assets | 0.2882% | 2,278 |
| Net operating income to assets | 2.1278% | 316 |
| Return on assets (ROA) | 2.5773% | 177 |
| Pretax return on assets | 2.5773% | 273 |
| Return on Equity (ROE) | 23.3326% | 197 |
| Retained earnings to average equity (ytd only) | 8.2019% | 1,571 |
| Net charge-offs to loans | 0.1291% | 3,895 |
| Credit loss provision to net charge-offs | 312.5000% | 941 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,174 |
| Efficiency ratio | 47.9125% | 6,781 |
| Assets per employee ($millions) | 5.1943% | 1,932 |
| Cash dividends to net income (ytd only)* | 64.8479% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,226 |
| Loan loss allowance to noncurrent loans | 91.0316% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 2,645 |
| Noncurrent loans to loans | 1.5985% | 3,512 |
| Net loans and leases to total assets | 69.3751% | 2,035 |
| Net loans and leases to deposits | 78.4269% | 2,607 |
| Net loans and leases to core deposits | 87.4770% | 2,258 |
| Total domestic deposits to total assets | 88.4583% | 1,849 |
| Equity capital to assets | 11.4070% | 2,681 |
| Core capital (leverage) ratio | 10.6989% | 2,597 |
| Tier 1 risk-based capital ratio | 14.3635% | 4,202 |
| Total risk-based capital ratio | 15.6150% | 4,160 |
| Memoranda: | ||
| Average total assets | $173,512,330 | 3,450 |
| Average earning assets | $164,815,330 | 3,350 |
| Average equity | $19,166,330 | 3,333 |
| Average total loans | $123,977,330 | 3,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 1,248 |
| Cost of funding earning assets | 0.7406% | 3,939 |
| Net interest margin | 4.4917% | 1,026 |
| Noninterest income to average assets | 0.1696% | 6,363 |
| Noninterest expense to average assets | 2.1448% | 6,163 |
| Loan and lease loss provision to assets | 0.3437% | 1,817 |
| Net operating income to assets | 1.9615% | 454 |
| Return on assets (ROA) | 2.5000% | 218 |
| Pretax return on assets | 2.5000% | 331 |
| Return on Equity (ROE) | 23.0011% | 245 |
| Retained earnings to average equity (ytd only) | 12.6917% | 729 |
| Net charge-offs to loans | -0.0191% | 6,169 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1977% | 6,792 |
| Assets per employee ($millions) | 5.3735% | 1,811 |
| Cash dividends to net income (ytd only)* | 44.8213% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,641 |
| Loan loss allowance to noncurrent loans | 51.6301% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 2,355 |
| Noncurrent loans to loans | 2.7008% | 2,418 |
| Net loans and leases to total assets | 71.6396% | 1,467 |
| Net loans and leases to deposits | 80.7680% | 2,089 |
| Net loans and leases to core deposits | 89.8426% | 1,862 |
| Total domestic deposits to total assets | 88.6979% | 1,887 |
| Equity capital to assets | 11.1503% | 2,758 |
| Core capital (leverage) ratio | 10.5326% | 2,715 |
| Tier 1 risk-based capital ratio | 14.0416% | 4,442 |
| Total risk-based capital ratio | 15.2929% | 4,405 |
| Memoranda: | ||
| Average total assets | $174,562,000 | 3,463 |
| Average earning assets | $166,349,500 | 3,344 |
| Average equity | $18,973,000 | 3,352 |
| Average total loans | $125,629,000 | 3,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 744 |
| Cost of funding earning assets | 0.9971% | 3,403 |
| Net interest margin | 4.7275% | 709 |
| Noninterest income to average assets | 0.1649% | 6,313 |
| Noninterest expense to average assets | 2.1878% | 6,299 |
| Loan and lease loss provision to assets | 0.4357% | 2,418 |
| Net operating income to assets | 2.0175% | 300 |
| Return on assets (ROA) | 2.3858% | 170 |
| Pretax return on assets | 2.3858% | 259 |
| Return on Equity (ROE) | 23.1810% | 154 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,018 |
| Net charge-offs to loans | 0.7332% | 2,319 |
| Credit loss provision to net charge-offs | 80.2832% | 4,437 |
| Earnings coverage of net charge-offs (x) | 4.5207% | 3,082 |
| Efficiency ratio | 47.1405% | 6,993 |
| Assets per employee ($millions) | 5.5367% | 1,599 |
| Cash dividends to net income (ytd only)* | 74.1328% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,135 |
| Loan loss allowance to noncurrent loans | 63.1621% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9964% | 2,966 |
| Noncurrent loans to loans | 1.9876% | 3,226 |
| Net loans and leases to total assets | 70.4086% | 1,948 |
| Net loans and leases to deposits | 78.8437% | 2,701 |
| Net loans and leases to core deposits | 87.4716% | 2,439 |
| Total domestic deposits to total assets | 89.3014% | 1,366 |
| Equity capital to assets | 10.5959% | 3,421 |
| Core capital (leverage) ratio | 10.1746% | 3,129 |
| Tier 1 risk-based capital ratio | 13.2759% | 4,857 |
| Total risk-based capital ratio | 14.4715% | 4,875 |
| Memoranda: | ||
| Average total assets | $169,166,800 | 3,506 |
| Average earning assets | $160,169,200 | 3,403 |
| Average equity | $17,410,800 | 3,516 |
| Average total loans | $125,196,600 | 3,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8522% | 619 |
| Cost of funding earning assets | 1.0619% | 3,237 |
| Net interest margin | 4.7903% | 637 |
| Noninterest income to average assets | 0.1180% | 6,668 |
| Noninterest expense to average assets | 2.2261% | 6,221 |
| Loan and lease loss provision to assets | 0.4921% | 2,019 |
| Net operating income to assets | 1.9262% | 404 |
| Return on assets (ROA) | 2.2923% | 228 |
| Pretax return on assets | 2.2923% | 360 |
| Return on Equity (ROE) | 22.4478% | 204 |
| Retained earnings to average equity (ytd only) | 3.0383% | 4,517 |
| Net charge-offs to loans | 0.8048% | 1,948 |
| Credit loss provision to net charge-offs | 81.8302% | 4,083 |
| Earnings coverage of net charge-offs (x) | 4.0212% | 3,210 |
| Efficiency ratio | 47.9306% | 6,967 |
| Assets per employee ($millions) | 4.8477% | 2,398 |
| Cash dividends to net income (ytd only)* | 86.4649% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,871 |
| Loan loss allowance to noncurrent loans | 63.0805% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.1984% | 2,892 |
| Noncurrent loans to loans | 2.1089% | 3,234 |
| Net loans and leases to total assets | 71.2550% | 1,856 |
| Net loans and leases to deposits | 79.8266% | 2,676 |
| Net loans and leases to core deposits | 89.0089% | 2,354 |
| Total domestic deposits to total assets | 89.2622% | 1,277 |
| Equity capital to assets | 10.5893% | 3,590 |
| Core capital (leverage) ratio | 10.0439% | 3,376 |
| Tier 1 risk-based capital ratio | 13.1963% | 4,951 |
| Total risk-based capital ratio | 14.4463% | 4,931 |
| Memoranda: | ||
| Average total assets | $167,165,250 | 3,560 |
| Average earning assets | $157,955,000 | 3,465 |
| Average equity | $17,070,250 | 3,573 |
| Average total loans | $124,913,000 | 3,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9739% | 502 |
| Cost of funding earning assets | 1.1298% | 3,036 |
| Net interest margin | 4.8442% | 564 |
| Noninterest income to average assets | 0.0048% | 7,176 |
| Noninterest expense to average assets | 2.2209% | 6,329 |
| Loan and lease loss provision to assets | 0.5976% | 1,618 |
| Net operating income to assets | 1.7543% | 544 |
| Return on assets (ROA) | 2.0069% | 357 |
| Pretax return on assets | 2.0069% | 585 |
| Return on Equity (ROE) | 19.9030% | 318 |
| Retained earnings to average equity (ytd only) | 11.3050% | 619 |
| Net charge-offs to loans | 1.2664% | 1,228 |
| Credit loss provision to net charge-offs | 62.4372% | 4,289 |
| Earnings coverage of net charge-offs (x) | 2.4573% | 3,592 |
| Efficiency ratio | 48.5669% | 7,031 |
| Assets per employee ($millions) | 5.1491% | 1,934 |
| Cash dividends to net income (ytd only)* | 43.1995% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,552 |
| Loan loss allowance to noncurrent loans | 62.4681% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.1272% | 3,075 |
| Noncurrent loans to loans | 1.9171% | 3,586 |
| Net loans and leases to total assets | 73.5061% | 1,502 |
| Net loans and leases to deposits | 82.6268% | 2,349 |
| Net loans and leases to core deposits | 92.5546% | 2,065 |
| Total domestic deposits to total assets | 88.9616% | 1,554 |
| Equity capital to assets | 10.9061% | 3,057 |
| Core capital (leverage) ratio | 10.6027% | 2,617 |
| Tier 1 risk-based capital ratio | 13.4970% | 4,526 |
| Total risk-based capital ratio | 14.6282% | 4,610 |
| Memoranda: | ||
| Average total assets | $166,330,000 | 3,593 |
| Average earning assets | $156,848,670 | 3,510 |
| Average equity | $16,771,330 | 3,612 |
| Average total loans | $125,707,670 | 3,108 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9598% | 519 |
| Cost of funding earning assets | 1.1854% | 2,914 |
| Net interest margin | 4.7745% | 599 |
| Noninterest income to average assets | 0.1676% | 6,529 |
| Noninterest expense to average assets | 2.2620% | 6,278 |
| Loan and lease loss provision to assets | 0.9958% | 773 |
| Net operating income to assets | 1.4122% | 1,042 |
| Return on assets (ROA) | 1.3620% | 1,184 |
| Pretax return on assets | 1.3620% | 1,838 |
| Return on Equity (ROE) | 14.0737% | 979 |
| Retained earnings to average equity (ytd only) | 2.1766% | 4,839 |
| Net charge-offs to loans | 1.5149% | 895 |
| Credit loss provision to net charge-offs | 86.3071% | 3,011 |
| Earnings coverage of net charge-offs (x) | 2.0871% | 3,253 |
| Efficiency ratio | 48.4367% | 7,098 |
| Assets per employee ($millions) | 5.1834% | 1,922 |
| Cash dividends to net income (ytd only)* | 84.5343% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,893 |
| Loan loss allowance to noncurrent loans | 56.6057% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7106% | 2,543 |
| Noncurrent loans to loans | 2.3891% | 3,100 |
| Net loans and leases to total assets | 74.8038% | 1,223 |
| Net loans and leases to deposits | 84.2766% | 1,987 |
| Net loans and leases to core deposits | 95.4424% | 1,722 |
| Total domestic deposits to total assets | 88.7599% | 1,923 |
| Equity capital to assets | 9.8704% | 3,936 |
| Core capital (leverage) ratio | 9.7495% | 3,448 |
| Tier 1 risk-based capital ratio | 12.3449% | 5,401 |
| Total risk-based capital ratio | 13.5738% | 5,413 |
| Memoranda: | ||
| Average total assets | $167,110,000 | 3,605 |
| Average earning assets | $157,588,000 | 3,509 |
| Average equity | $16,172,000 | 3,696 |
| Average total loans | $127,269,500 | 3,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1545% | 627 |
| Cost of funding earning assets | 1.5002% | 2,631 |
| Net interest margin | 4.6544% | 898 |
| Noninterest income to average assets | 0.5768% | 3,610 |
| Noninterest expense to average assets | 2.2007% | 6,612 |
| Loan and lease loss provision to assets | 0.8909% | 1,835 |
| Net operating income to assets | 1.8942% | 345 |
| Return on assets (ROA) | 2.1966% | 210 |
| Pretax return on assets | 2.1966% | 326 |
| Return on Equity (ROE) | 24.5181% | 108 |
| Retained earnings to average equity (ytd only) | 11.9599% | 277 |
| Net charge-offs to loans | 1.1171% | 1,993 |
| Credit loss provision to net charge-offs | 100.5921% | 4,521 |
| Earnings coverage of net charge-offs (x) | 3.1447% | 3,497 |
| Efficiency ratio | 44.1393% | 7,414 |
| Assets per employee ($millions) | 5.2609% | 1,792 |
| Cash dividends to net income (ytd only)* | 51.2202% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,645 |
| Loan loss allowance to noncurrent loans | 46.5735% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 3.3531% | 2,095 |
| Noncurrent loans to loans | 2.9465% | 2,592 |
| Net loans and leases to total assets | 75.4345% | 1,396 |
| Net loans and leases to deposits | 85.1543% | 2,249 |
| Net loans and leases to core deposits | 98.7343% | 1,726 |
| Total domestic deposits to total assets | 88.5857% | 1,901 |
| Equity capital to assets | 9.4874% | 4,420 |
| Core capital (leverage) ratio | 9.6797% | 3,455 |
| Tier 1 risk-based capital ratio | 12.4213% | 5,091 |
| Total risk-based capital ratio | 13.6719% | 5,071 |
| Memoranda: | ||
| Average total assets | $171,631,000 | 3,504 |
| Average earning assets | $162,579,000 | 3,399 |
| Average equity | $15,376,400 | 3,875 |
| Average total loans | $136,071,000 | 3,012 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2016% | 616 |
| Cost of funding earning assets | 1.5663% | 2,573 |
| Net interest margin | 4.6353% | 967 |
| Noninterest income to average assets | 0.4670% | 4,438 |
| Noninterest expense to average assets | 2.1316% | 6,780 |
| Loan and lease loss provision to assets | 0.9239% | 1,628 |
| Net operating income to assets | 1.8092% | 491 |
| Return on assets (ROA) | 2.0318% | 343 |
| Pretax return on assets | 2.0318% | 582 |
| Return on Equity (ROE) | 23.0104% | 161 |
| Retained earnings to average equity (ytd only) | 10.7522% | 642 |
| Net charge-offs to loans | 1.0394% | 1,945 |
| Credit loss provision to net charge-offs | 111.1628% | 3,806 |
| Earnings coverage of net charge-offs (x) | 3.2884% | 3,504 |
| Efficiency ratio | 43.8175% | 7,469 |
| Assets per employee ($millions) | 5.7147% | 1,452 |
| Cash dividends to net income (ytd only)* | 53.2725% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,330 |
| Loan loss allowance to noncurrent loans | 40.7906% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.4665% | 2,053 |
| Noncurrent loans to loans | 3.4958% | 2,269 |
| Net loans and leases to total assets | 75.7245% | 1,459 |
| Net loans and leases to deposits | 86.0204% | 2,335 |
| Net loans and leases to core deposits | 100.4892% | 1,804 |
| Total domestic deposits to total assets | 88.0308% | 1,938 |
| Equity capital to assets | 10.0128% | 4,145 |
| Core capital (leverage) ratio | 9.3641% | 4,109 |
| Tier 1 risk-based capital ratio | 11.4128% | 6,006 |
| Total risk-based capital ratio | 12.6638% | 5,995 |
| Memoranda: | ||
| Average total assets | $172,451,250 | 3,534 |
| Average earning assets | $163,610,250 | 3,429 |
| Average equity | $15,227,500 | 3,946 |
| Average total loans | $137,898,500 | 3,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1284% | 716 |
| Cost of funding earning assets | 1.6202% | 2,546 |
| Net interest margin | 4.5082% | 1,190 |
| Noninterest income to average assets | 0.4757% | 4,311 |
| Noninterest expense to average assets | 2.0939% | 6,921 |
| Loan and lease loss provision to assets | 1.1517% | 1,245 |
| Net operating income to assets | 1.5105% | 899 |
| Return on assets (ROA) | 1.5834% | 809 |
| Pretax return on assets | 1.5834% | 1,346 |
| Return on Equity (ROE) | 18.7637% | 407 |
| Retained earnings to average equity (ytd only) | 4.5812% | 3,163 |
| Net charge-offs to loans | 1.2417% | 1,537 |
| Credit loss provision to net charge-offs | 114.4994% | 3,554 |
| Earnings coverage of net charge-offs (x) | 2.6467% | 3,676 |
| Efficiency ratio | 44.0253% | 7,524 |
| Assets per employee ($millions) | 5.3481% | 1,759 |
| Cash dividends to net income (ytd only)* | 75.5848% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 4,520 |
| Loan loss allowance to noncurrent loans | 34.8171% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 3.7700% | 1,852 |
| Noncurrent loans to loans | 3.9667% | 1,922 |
| Net loans and leases to total assets | 78.6502% | 1,017 |
| Net loans and leases to deposits | 89.6528% | 1,920 |
| Net loans and leases to core deposits | 105.4412% | 1,497 |
| Total domestic deposits to total assets | 87.7276% | 2,151 |
| Equity capital to assets | 9.1662% | 5,193 |
| Core capital (leverage) ratio | 8.7802% | 4,949 |
| Tier 1 risk-based capital ratio | 10.7323% | 6,497 |
| Total risk-based capital ratio | 11.9622% | 6,503 |
| Memoranda: | ||
| Average total assets | $172,788,330 | 3,554 |
| Average earning assets | $164,056,670 | 3,445 |
| Average equity | $14,581,330 | 4,073 |
| Average total loans | $139,964,670 | 3,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1197% | 751 |
| Cost of funding earning assets | 1.6924% | 2,425 |
| Net interest margin | 4.4273% | 1,306 |
| Noninterest income to average assets | 0.4170% | 4,757 |
| Noninterest expense to average assets | 2.0390% | 7,086 |
| Loan and lease loss provision to assets | 2.0621% | 533 |
| Net operating income to assets | 0.5230% | 4,270 |
| Return on assets (ROA) | 0.5783% | 4,138 |
| Pretax return on assets | 0.5783% | 4,692 |
| Return on Equity (ROE) | 7.1569% | 3,266 |
| Retained earnings to average equity (ytd only) | -22.3260% | 7,423 |
| Net charge-offs to loans | 2.4756% | 666 |
| Credit loss provision to net charge-offs | 102.0525% | 3,334 |
| Earnings coverage of net charge-offs (x) | 1.2794% | 3,983 |
| Efficiency ratio | 44.0957% | 7,621 |
| Assets per employee ($millions) | 5.4252% | 1,744 |
| Cash dividends to net income (ytd only)* | 411.9522% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 5,054 |
| Loan loss allowance to noncurrent loans | 35.8643% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 3.2810% | 2,183 |
| Noncurrent loans to loans | 3.5642% | 2,238 |
| Net loans and leases to total assets | 79.0087% | 979 |
| Net loans and leases to deposits | 89.6250% | 1,961 |
| Net loans and leases to core deposits | 97.9057% | 2,352 |
| Total domestic deposits to total assets | 88.1547% | 1,972 |
| Equity capital to assets | 7.8702% | 6,790 |
| Core capital (leverage) ratio | 7.9961% | 6,248 |
| Tier 1 risk-based capital ratio | 9.7124% | 7,203 |
| Total risk-based capital ratio | 10.9416% | 7,204 |
| Memoranda: | ||
| Average total assets | $173,612,500 | 3,599 |
| Average earning assets | $164,976,000 | 3,480 |
| Average equity | $14,028,500 | 4,236 |
| Average total loans | $141,703,500 | 3,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3997% | 831 |
| Cost of funding earning assets | 2.1995% | 2,035 |
| Net interest margin | 4.2002% | 2,057 |
| Noninterest income to average assets | 0.5157% | 4,284 |
| Noninterest expense to average assets | 2.1182% | 7,146 |
| Loan and lease loss provision to assets | 1.0128% | 2,255 |
| Net operating income to assets | 1.4075% | 836 |
| Return on assets (ROA) | 1.5325% | 670 |
| Pretax return on assets | 1.5325% | 1,113 |
| Return on Equity (ROE) | 18.3113% | 342 |
| Retained earnings to average equity (ytd only) | 0.9681% | 4,354 |
| Net charge-offs to loans | 0.6086% | 3,392 |
| Credit loss provision to net charge-offs | 204.6784% | 1,888 |
| Earnings coverage of net charge-offs (x) | 4.8912% | 2,768 |
| Efficiency ratio | 46.6718% | 7,681 |
| Assets per employee ($millions) | 5.6006% | 1,560 |
| Cash dividends to net income (ytd only)* | 94.7130% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 5,260 |
| Loan loss allowance to noncurrent loans | 64.1840% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 3,571 |
| Noncurrent loans to loans | 1.8959% | 3,809 |
| Net loans and leases to total assets | 82.1968% | 659 |
| Net loans and leases to deposits | 92.9192% | 1,744 |
| Net loans and leases to core deposits | 116.5503% | 2,261 |
| Total domestic deposits to total assets | 88.4604% | 1,747 |
| Equity capital to assets | 8.2905% | 6,213 |
| Core capital (leverage) ratio | 8.3875% | 5,462 |
| Tier 1 risk-based capital ratio | 9.9470% | 6,921 |
| Total risk-based capital ratio | 11.1344% | 6,940 |
| Memoranda: | ||
| Average total assets | $172,787,800 | 3,562 |
| Average earning assets | $165,491,600 | 3,412 |
| Average equity | $14,461,000 | 4,156 |
| Average total loans | $140,483,600 | 3,073 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3998% | 925 |
| Cost of funding earning assets | 2.2826% | 2,056 |
| Net interest margin | 4.1171% | 2,327 |
| Noninterest income to average assets | 0.5161% | 4,354 |
| Noninterest expense to average assets | 2.0234% | 7,342 |
| Loan and lease loss provision to assets | 0.5408% | 3,228 |
| Net operating income to assets | 1.9052% | 353 |
| Return on assets (ROA) | 2.0581% | 283 |
| Pretax return on assets | 2.0581% | 488 |
| Return on Equity (ROE) | 24.5336% | 116 |
| Retained earnings to average equity (ytd only) | 4.6599% | 2,678 |
| Net charge-offs to loans | 0.6117% | 2,841 |
| Credit loss provision to net charge-offs | 109.3750% | 4,652 |
| Earnings coverage of net charge-offs (x) | 4.9469% | 2,961 |
| Efficiency ratio | 45.2723% | 7,793 |
| Assets per employee ($millions) | 5.5711% | 1,544 |
| Cash dividends to net income (ytd only)* | 81.0060% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 7,508 |
| Loan loss allowance to noncurrent loans | 35.2964% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 1.8077% | 3,646 |
| Noncurrent loans to loans | 1.8139% | 3,896 |
| Net loans and leases to total assets | 82.9425% | 674 |
| Net loans and leases to deposits | 95.9129% | 1,588 |
| Net loans and leases to core deposits | 119.5611% | 2,285 |
| Total domestic deposits to total assets | 86.4769% | 2,437 |
| Equity capital to assets | 8.8724% | 5,673 |
| Core capital (leverage) ratio | 8.6245% | 5,268 |
| Tier 1 risk-based capital ratio | 10.3916% | 6,580 |
| Total risk-based capital ratio | 11.0271% | 7,122 |
| Memoranda: | ||
| Average total assets | $172,579,750 | 3,579 |
| Average earning assets | $165,710,500 | 3,452 |
| Average equity | $14,477,750 | 4,192 |
| Average total loans | $139,487,500 | 3,128 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3181% | 1,160 |
| Cost of funding earning assets | 2.3491% | 2,160 |
| Net interest margin | 3.9690% | 2,834 |
| Noninterest income to average assets | 0.4973% | 4,469 |
| Noninterest expense to average assets | 1.9439% | 7,562 |
| Loan and lease loss provision to assets | 0.2782% | 4,350 |
| Net operating income to assets | 2.0923% | 242 |
| Return on assets (ROA) | 2.2233% | 204 |
| Pretax return on assets | 2.2233% | 342 |
| Return on Equity (ROE) | 27.0217% | 104 |
| Retained earnings to average equity (ytd only) | -3.3812% | 6,028 |
| Net charge-offs to loans | 0.1537% | 4,658 |
| Credit loss provision to net charge-offs | 226.4151% | 2,033 |
| Earnings coverage of net charge-offs (x) | 19.2925% | 1,371 |
| Efficiency ratio | 45.0564% | 7,887 |
| Assets per employee ($millions) | 5.6549% | 1,445 |
| Cash dividends to net income (ytd only)* | 112.5130% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 7,439 |
| Loan loss allowance to noncurrent loans | 33.0461% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 3,322 |
| Noncurrent loans to loans | 2.0974% | 3,384 |
| Net loans and leases to total assets | 81.4862% | 1,051 |
| Net loans and leases to deposits | 93.3055% | 2,211 |
| Net loans and leases to core deposits | 114.9757% | 2,810 |
| Total domestic deposits to total assets | 87.3327% | 2,082 |
| Equity capital to assets | 8.0741% | 6,661 |
| Core capital (leverage) ratio | 8.2911% | 5,813 |
| Tier 1 risk-based capital ratio | 9.8119% | 7,122 |
| Total risk-based capital ratio | 10.4937% | 7,568 |
| Memoranda: | ||
| Average total assets | $172,538,330 | 3,592 |
| Average earning assets | $165,937,000 | 3,462 |
| Average equity | $14,196,000 | 4,264 |
| Average total loans | $137,927,330 | 3,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2417% | 1,469 |
| Cost of funding earning assets | 2.4326% | 2,167 |
| Net interest margin | 3.8091% | 3,409 |
| Noninterest income to average assets | 0.4604% | 4,680 |
| Noninterest expense to average assets | 1.8790% | 7,587 |
| Loan and lease loss provision to assets | 0.4207% | 2,821 |
| Net operating income to assets | 1.8276% | 503 |
| Return on assets (ROA) | 2.0636% | 354 |
| Pretax return on assets | 2.0636% | 584 |
| Return on Equity (ROE) | 24.8435% | 194 |
| Retained earnings to average equity (ytd only) | -14.1521% | 7,389 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5266% | 7,867 |
| Assets per employee ($millions) | 5.7605% | 1,350 |
| Cash dividends to net income (ytd only)* | 156.9649% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 7,270 |
| Loan loss allowance to noncurrent loans | 48.8307% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 3,993 |
| Noncurrent loans to loans | 1.5656% | 3,934 |
| Net loans and leases to total assets | 78.4181% | 1,712 |
| Net loans and leases to deposits | 91.6251% | 2,668 |
| Net loans and leases to core deposits | 113.1069% | 3,091 |
| Total domestic deposits to total assets | 85.5858% | 2,931 |
| Equity capital to assets | 8.0519% | 6,738 |
| Core capital (leverage) ratio | 8.2321% | 6,029 |
| Tier 1 risk-based capital ratio | 10.0487% | 6,856 |
| Total risk-based capital ratio | 10.7935% | 7,330 |
| Memoranda: | ||
| Average total assets | $171,156,500 | 3,630 |
| Average earning assets | $164,763,000 | 3,498 |
| Average equity | $14,217,000 | 4,289 |
| Average total loans | $134,969,000 | 3,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9586% | 1,240 |
| Cost of funding earning assets | 2.8952% | 2,286 |
| Net interest margin | 4.0634% | 2,858 |
| Noninterest income to average assets | 0.5914% | 3,900 |
| Noninterest expense to average assets | 1.9268% | 7,572 |
| Loan and lease loss provision to assets | 0.3617% | 3,517 |
| Net operating income to assets | 2.1909% | 244 |
| Return on assets (ROA) | 2.2174% | 226 |
| Pretax return on assets | 2.2174% | 383 |
| Return on Equity (ROE) | 27.2824% | 92 |
| Retained earnings to average equity (ytd only) | 4.2281% | 2,486 |
| Net charge-offs to loans | 0.4477% | 2,589 |
| Credit loss provision to net charge-offs | 106.9519% | 5,019 |
| Earnings coverage of net charge-offs (x) | 7.5472% | 3,082 |
| Efficiency ratio | 43.0148% | 8,040 |
| Assets per employee ($millions) | 5.6499% | 1,355 |
| Cash dividends to net income (ytd only)* | 84.5024% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 7,554 |
| Loan loss allowance to noncurrent loans | 40.8231% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3912% | 3,411 |
| Noncurrent loans to loans | 1.5850% | 3,400 |
| Net loans and leases to total assets | 78.1796% | 2,090 |
| Net loans and leases to deposits | 92.7118% | 3,012 |
| Net loans and leases to core deposits | 112.6161% | 3,495 |
| Total domestic deposits to total assets | 84.3254% | 3,166 |
| Equity capital to assets | 8.5659% | 5,986 |
| Core capital (leverage) ratio | 8.6425% | 5,298 |
| Tier 1 risk-based capital ratio | 10.7159% | 5,991 |
| Total risk-based capital ratio | 11.3499% | 6,493 |
| Memoranda: | ||
| Average total assets | $165,871,000 | 3,615 |
| Average earning assets | $158,709,000 | 3,491 |
| Average equity | $13,481,200 | 4,459 |
| Average total loans | $125,313,000 | 3,342 |