Home > Farmers & Merchants Bank > Performance and Condition Ratios
Farmers & Merchants Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,107 |
| Cost of funding earning assets | 1.5180% | 1,900 |
| Net interest margin | 2.3572% | 4,218 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 1.9864% | 3,664 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5829% | 3,483 |
| Return on assets (ROA) | 0.5829% | 3,480 |
| Pretax return on assets | 0.7834% | 3,249 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.6205% | 2,749 |
| Net charge-offs to loans | -0.0243% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0216% | 1,872 |
| Assets per employee ($millions) | 9.2333% | 908 |
| Cash dividends to net income (ytd only)* | 48.2600% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 1,904 |
| Loan loss allowance to noncurrent loans | 220.3030% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 2,023 |
| Noncurrent loans to loans | 0.5783% | 1,353 |
| Net loans and leases to total assets | 40.6700% | 4,017 |
| Net loans and leases to deposits | 45.7388% | 4,057 |
| Net loans and leases to core deposits | 55.2260% | 3,941 |
| Total domestic deposits to total assets | 88.9300% | 1,087 |
| Equity capital to assets | 6.9026% | 3,973 |
| Core capital (leverage) ratio | 10.4991% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7816% | 711 |
| Memoranda: | ||
| Average total assets | $261,283,000 | 2,616 |
| Average earning assets | $249,151,200 | 2,581 |
| Average equity | $17,054,400 | 3,089 |
| Average total loans | $103,045,600 | 3,143 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,277 |
| Cost of funding earning assets | 1.3057% | 2,132 |
| Net interest margin | 2.3288% | 4,286 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.0594% | 3,444 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5652% | 3,638 |
| Return on assets (ROA) | 0.5652% | 3,621 |
| Pretax return on assets | 0.7730% | 3,393 |
| Return on Equity (ROE) | 8.8000% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.8701% | 3,541 |
| Net charge-offs to loans | -0.0306% | 4,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.4029% | 1,627 |
| Assets per employee ($millions) | 8.2339% | 1,237 |
| Cash dividends to net income (ytd only)* | 67.3694% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,140 |
| Loan loss allowance to noncurrent loans | 201.4245% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 1,936 |
| Noncurrent loans to loans | 0.6177% | 1,319 |
| Net loans and leases to total assets | 42.6000% | 3,970 |
| Net loans and leases to deposits | 47.5903% | 4,020 |
| Net loans and leases to core deposits | 57.7793% | 3,788 |
| Total domestic deposits to total assets | 89.5100% | 1,068 |
| Equity capital to assets | 5.8838% | 4,032 |
| Core capital (leverage) ratio | 10.4835% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2674% | 788 |
| Memoranda: | ||
| Average total assets | $257,354,000 | 2,644 |
| Average earning assets | $244,867,500 | 2,610 |
| Average equity | $16,538,000 | 3,115 |
| Average total loans | $100,277,000 | 3,174 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 4,394 |
| Cost of funding earning assets | 1.0029% | 2,597 |
| Net interest margin | 2.4376% | 4,274 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1033% | 3,335 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4238% | 3,958 |
| Return on assets (ROA) | 0.4238% | 3,964 |
| Pretax return on assets | 0.5789% | 3,834 |
| Return on Equity (ROE) | 6.4100% | 3,594 |
| Retained earnings to average equity (ytd only) | -2.2982% | 4,308 |
| Net charge-offs to loans | -0.0271% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.8487% | 1,009 |
| Assets per employee ($millions) | 7.9458% | 1,342 |
| Cash dividends to net income (ytd only)* | 135.8595% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,869 |
| Loan loss allowance to noncurrent loans | 192.2644% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,847 |
| Noncurrent loans to loans | 0.6837% | 1,097 |
| Net loans and leases to total assets | 39.1400% | 4,068 |
| Net loans and leases to deposits | 43.8721% | 4,104 |
| Net loans and leases to core deposits | 50.9509% | 3,991 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 6.3735% | 4,047 |
| Core capital (leverage) ratio | 10.8376% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2897% | 686 |
| Memoranda: | ||
| Average total assets | $255,310,000 | 2,661 |
| Average earning assets | $242,698,333 | 2,625 |
| Average equity | $16,883,000 | 3,112 |
| Average total loans | $95,818,667 | 3,220 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3590% | 4,403 |
| Cost of funding earning assets | 0.8305% | 2,595 |
| Net interest margin | 2.5284% | 4,278 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1043% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5098% | 3,871 |
| Return on assets (ROA) | 0.5098% | 3,836 |
| Pretax return on assets | 0.6829% | 3,697 |
| Return on Equity (ROE) | 7.5700% | 3,395 |
| Retained earnings to average equity (ytd only) | -9.7593% | 4,471 |
| Net charge-offs to loans | -0.0262% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.4986% | 1,204 |
| Assets per employee ($millions) | 7.6991% | 1,508 |
| Cash dividends to net income (ytd only)* | 228.9720% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,467 |
| Loan loss allowance to noncurrent loans | 177.7045% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 1,672 |
| Noncurrent loans to loans | 0.8091% | 946 |
| Net loans and leases to total assets | 36.3400% | 4,178 |
| Net loans and leases to deposits | 39.1184% | 4,249 |
| Net loans and leases to core deposits | 44.6807% | 4,153 |
| Total domestic deposits to total assets | 92.9000% | 322 |
| Equity capital to assets | 6.6096% | 3,996 |
| Core capital (leverage) ratio | 10.8392% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8645% | 672 |
| Memoranda: | ||
| Average total assets | $251,860,000 | 2,720 |
| Average earning assets | $238,884,000 | 2,678 |
| Average equity | $16,968,500 | 3,131 |
| Average total loans | $91,728,000 | 3,306 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7980% | 4,325 |
| Cost of funding earning assets | 0.3239% | 2,690 |
| Net interest margin | 2.4741% | 4,311 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.0749% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6176% | 3,836 |
| Return on assets (ROA) | 0.6075% | 3,814 |
| Pretax return on assets | 0.8545% | 3,474 |
| Return on Equity (ROE) | 6.9800% | 3,644 |
| Retained earnings to average equity (ytd only) | 1.1307% | 4,169 |
| Net charge-offs to loans | -0.0219% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5232% | 1,620 |
| Assets per employee ($millions) | 7.1329% | 1,872 |
| Cash dividends to net income (ytd only)* | 83.8076% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3760% | 241 |
| Loan loss allowance to noncurrent loans | 263.9851% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,564 |
| Noncurrent loans to loans | 0.9000% | 823 |
| Net loans and leases to total assets | 35.1100% | 4,255 |
| Net loans and leases to deposits | 39.8522% | 4,250 |
| Net loans and leases to core deposits | 41.4612% | 4,246 |
| Total domestic deposits to total assets | 88.0900% | 2,043 |
| Equity capital to assets | 6.8672% | 3,731 |
| Core capital (leverage) ratio | 10.8690% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0226% | 627 |
| Memoranda: | ||
| Average total assets | $242,955,800 | 2,767 |
| Average earning assets | $233,091,200 | 2,716 |
| Average equity | $21,137,000 | 2,848 |
| Average total loans | $86,663,800 | 3,322 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6705% | 4,313 |
| Cost of funding earning assets | 0.1976% | 3,311 |
| Net interest margin | 2.4729% | 4,230 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1164% | 3,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6612% | 3,663 |
| Return on assets (ROA) | 0.6476% | 3,660 |
| Pretax return on assets | 0.8847% | 3,362 |
| Return on Equity (ROE) | 7.0600% | 3,583 |
| Retained earnings to average equity (ytd only) | -0.3915% | 4,377 |
| Net charge-offs to loans | -0.0279% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1208% | 1,745 |
| Assets per employee ($millions) | 7.7469% | 1,450 |
| Cash dividends to net income (ytd only)* | 105.5461% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5965% | 212 |
| Loan loss allowance to noncurrent loans | 260.0000% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 1,597 |
| Noncurrent loans to loans | 0.9987% | 780 |
| Net loans and leases to total assets | 32.2600% | 4,363 |
| Net loans and leases to deposits | 36.2518% | 4,355 |
| Net loans and leases to core deposits | 38.9354% | 4,315 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 6.6534% | 3,677 |
| Core capital (leverage) ratio | 11.9856% | 1,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1355% | 550 |
| Memoranda: | ||
| Average total assets | $241,282,250 | 2,798 |
| Average earning assets | $232,760,000 | 2,738 |
| Average equity | $22,135,250 | 2,809 |
| Average total loans | $85,886,250 | 3,345 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6542% | 4,213 |
| Cost of funding earning assets | 0.1892% | 3,061 |
| Net interest margin | 2.4650% | 4,140 |
| Noninterest income to average assets | 0.7069% | 1,310 |
| Noninterest expense to average assets | 2.0847% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7408% | 3,174 |
| Return on assets (ROA) | 0.7203% | 3,191 |
| Pretax return on assets | 0.9838% | 2,786 |
| Return on Equity (ROE) | 7.1703% | 3,261 |
| Retained earnings to average equity (ytd only) | -3.1313% | 4,460 |
| Net charge-offs to loans | -0.0184% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3696% | 2,325 |
| Assets per employee ($millions) | 6.7986% | 2,072 |
| Cash dividends to net income (ytd only)* | 143.6702% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7019% | 196 |
| Loan loss allowance to noncurrent loans | 237.0950% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 1,454 |
| Noncurrent loans to loans | 1.1396% | 712 |
| Net loans and leases to total assets | 33.0580% | 4,370 |
| Net loans and leases to deposits | 36.1869% | 4,384 |
| Net loans and leases to core deposits | 37.2664% | 4,399 |
| Total domestic deposits to total assets | 91.3537% | 1,082 |
| Equity capital to assets | 8.2699% | 2,929 |
| Core capital (leverage) ratio | 11.7178% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9215% | 480 |
| Memoranda: | ||
| Average total assets | $239,075,667 | 2,836 |
| Average earning assets | $231,558,667 | 2,781 |
| Average equity | $24,015,667 | 2,748 |
| Average total loans | $87,145,000 | 3,364 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5370% | 4,218 |
| Cost of funding earning assets | 0.1893% | 2,961 |
| Net interest margin | 2.3477% | 4,153 |
| Noninterest income to average assets | 0.8311% | 970 |
| Noninterest expense to average assets | 2.0342% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7957% | 2,672 |
| Return on assets (ROA) | 0.7554% | 2,822 |
| Pretax return on assets | 1.0319% | 2,346 |
| Return on Equity (ROE) | 6.9373% | 3,055 |
| Retained earnings to average equity (ytd only) | -11.7587% | 4,593 |
| Net charge-offs to loans | -0.0219% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2587% | 2,864 |
| Assets per employee ($millions) | 7.0193% | 1,982 |
| Cash dividends to net income (ytd only)* | 269.4989% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3530% | 341 |
| Loan loss allowance to noncurrent loans | 205.5286% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 1,447 |
| Noncurrent loans to loans | 1.1448% | 778 |
| Net loans and leases to total assets | 35.7946% | 4,223 |
| Net loans and leases to deposits | 39.7578% | 4,257 |
| Net loans and leases to core deposits | 40.9357% | 4,280 |
| Total domestic deposits to total assets | 90.0315% | 1,546 |
| Equity capital to assets | 9.7418% | 2,094 |
| Core capital (leverage) ratio | 11.7212% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4094% | 466 |
| Memoranda: | ||
| Average total assets | $243,038,000 | 2,824 |
| Average earning assets | $236,655,000 | 2,759 |
| Average equity | $26,465,500 | 2,686 |
| Average total loans | $91,449,500 | 3,308 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0637% | 3,757 |
| Cost of funding earning assets | 0.2823% | 2,575 |
| Net interest margin | 2.7814% | 3,707 |
| Noninterest income to average assets | 0.8569% | 1,311 |
| Noninterest expense to average assets | 2.1701% | 3,177 |
| Loan and lease loss provision to assets | -0.0113% | 4,178 |
| Net operating income to assets | 1.0051% | 2,648 |
| Return on assets (ROA) | 1.0744% | 2,466 |
| Pretax return on assets | 1.4673% | 1,828 |
| Return on Equity (ROE) | 8.8131% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.9152% | 1,950 |
| Net charge-offs to loans | -0.0449% | 4,282 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3299% | 2,963 |
| Assets per employee ($millions) | 6.8686% | 2,020 |
| Cash dividends to net income (ytd only)* | 21.5354% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2770% | 396 |
| Loan loss allowance to noncurrent loans | 140.0000% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 1,048 |
| Noncurrent loans to loans | 1.6264% | 529 |
| Net loans and leases to total assets | 37.7401% | 4,211 |
| Net loans and leases to deposits | 42.9744% | 4,226 |
| Net loans and leases to core deposits | 44.2856% | 4,256 |
| Total domestic deposits to total assets | 87.8200% | 2,141 |
| Equity capital to assets | 12.0623% | 1,226 |
| Core capital (leverage) ratio | 12.3867% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2534% | 388 |
| Memoranda: | ||
| Average total assets | $230,358,200 | 2,841 |
| Average earning assets | $222,083,400 | 2,797 |
| Average equity | $28,083,200 | 2,646 |
| Average total loans | $86,878,400 | 3,378 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1239% | 3,759 |
| Cost of funding earning assets | 0.3132% | 2,473 |
| Net interest margin | 2.8106% | 3,756 |
| Noninterest income to average assets | 0.3570% | 3,317 |
| Noninterest expense to average assets | 2.2535% | 2,880 |
| Loan and lease loss provision to assets | -0.0154% | 4,338 |
| Net operating income to assets | 0.5930% | 4,013 |
| Return on assets (ROA) | 0.6864% | 3,860 |
| Pretax return on assets | 0.9357% | 3,617 |
| Return on Equity (ROE) | 5.6148% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.0635% | 3,886 |
| Net charge-offs to loans | -0.0531% | 4,387 |
| Credit loss provision to net charge-offs | 76.4706% | 1,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7457% | 1,235 |
| Assets per employee ($millions) | 6.2181% | 2,482 |
| Cash dividends to net income (ytd only)* | 45.4390% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4845% | 295 |
| Loan loss allowance to noncurrent loans | 135.8017% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 414 |
| Noncurrent loans to loans | 1.8295% | 520 |
| Net loans and leases to total assets | 35.9789% | 4,393 |
| Net loans and leases to deposits | 41.2467% | 4,407 |
| Net loans and leases to core deposits | 42.5601% | 4,430 |
| Total domestic deposits to total assets | 87.2286% | 2,256 |
| Equity capital to assets | 12.3346% | 1,245 |
| Core capital (leverage) ratio | 12.2936% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6729% | 444 |
| Memoranda: | ||
| Average total assets | $227,847,250 | 2,887 |
| Average earning assets | $218,784,000 | 2,842 |
| Average equity | $27,854,500 | 2,693 |
| Average total loans | $85,387,500 | 3,442 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 3,474 |
| Cost of funding earning assets | 0.3615% | 2,216 |
| Net interest margin | 2.9220% | 3,525 |
| Noninterest income to average assets | 0.3514% | 3,354 |
| Noninterest expense to average assets | 2.2307% | 2,980 |
| Loan and lease loss provision to assets | -0.0229% | 4,440 |
| Net operating income to assets | 0.6829% | 3,799 |
| Return on assets (ROA) | 0.8234% | 3,511 |
| Pretax return on assets | 1.1263% | 3,124 |
| Return on Equity (ROE) | 6.7558% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.7558% | 2,520 |
| Net charge-offs to loans | -0.0678% | 4,493 |
| Credit loss provision to net charge-offs | 89.6552% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6752% | 1,562 |
| Assets per employee ($millions) | 6.0015% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4288% | 300 |
| Loan loss allowance to noncurrent loans | 167.2496% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 549 |
| Noncurrent loans to loans | 1.4522% | 792 |
| Net loans and leases to total assets | 37.0624% | 4,424 |
| Net loans and leases to deposits | 42.5658% | 4,441 |
| Net loans and leases to core deposits | 43.9924% | 4,456 |
| Total domestic deposits to total assets | 87.0707% | 2,278 |
| Equity capital to assets | 12.3268% | 1,207 |
| Core capital (leverage) ratio | 12.3969% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1386% | 475 |
| Memoranda: | ||
| Average total assets | $227,107,000 | 2,893 |
| Average earning assets | $218,002,333 | 2,847 |
| Average equity | $27,680,000 | 2,694 |
| Average total loans | $85,555,000 | 3,466 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2998% | 4,760 |
| Cost of funding earning assets | 0.3873% | 2,201 |
| Net interest margin | 1.9125% | 4,767 |
| Noninterest income to average assets | 0.4042% | 3,060 |
| Noninterest expense to average assets | 2.2062% | 3,088 |
| Loan and lease loss provision to assets | -0.0459% | 4,644 |
| Net operating income to assets | 0.0671% | 4,741 |
| Return on assets (ROA) | 0.0671% | 4,748 |
| Pretax return on assets | 0.0741% | 4,746 |
| Return on Equity (ROE) | 0.5535% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.5535% | 4,294 |
| Net charge-offs to loans | -0.1223% | 4,693 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7362% | 206 |
| Assets per employee ($millions) | 5.5563% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 296 |
| Loan loss allowance to noncurrent loans | 124.3195% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 456 |
| Noncurrent loans to loans | 1.9522% | 562 |
| Net loans and leases to total assets | 38.0044% | 4,420 |
| Net loans and leases to deposits | 43.5497% | 4,441 |
| Net loans and leases to core deposits | 45.0442% | 4,472 |
| Total domestic deposits to total assets | 87.2668% | 2,196 |
| Equity capital to assets | 12.3418% | 1,132 |
| Core capital (leverage) ratio | 12.0199% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3148% | 312 |
| Memoranda: | ||
| Average total assets | $226,632,500 | 2,890 |
| Average earning assets | $216,888,500 | 2,839 |
| Average equity | $27,464,000 | 2,703 |
| Average total loans | $85,019,000 | 3,481 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2013% | 4,452 |
| Cost of funding earning assets | 0.4007% | 3,572 |
| Net interest margin | 2.8005% | 4,267 |
| Noninterest income to average assets | 0.3911% | 3,141 |
| Noninterest expense to average assets | 2.5003% | 2,851 |
| Loan and lease loss provision to assets | -0.1696% | 4,977 |
| Net operating income to assets | 0.5230% | 3,977 |
| Return on assets (ROA) | 0.5230% | 4,064 |
| Pretax return on assets | 0.7083% | 3,868 |
| Return on Equity (ROE) | 3.9183% | 4,178 |
| Retained earnings to average equity (ytd only) | 0.8960% | 4,261 |
| Net charge-offs to loans | -0.4164% | 4,943 |
| Credit loss provision to net charge-offs | 91.2929% | 2,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2742% | 733 |
| Assets per employee ($millions) | 5.7753% | 2,561 |
| Cash dividends to net income (ytd only)* | 77.1321% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5170% | 257 |
| Loan loss allowance to noncurrent loans | 121.5153% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.9614% | 291 |
| Noncurrent loans to loans | 2.0714% | 540 |
| Net loans and leases to total assets | 35.2233% | 4,608 |
| Net loans and leases to deposits | 40.1334% | 4,657 |
| Net loans and leases to core deposits | 41.5617% | 4,662 |
| Total domestic deposits to total assets | 87.7656% | 1,581 |
| Equity capital to assets | 11.9033% | 1,621 |
| Core capital (leverage) ratio | 12.4345% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0001% | 288 |
| Memoranda: | ||
| Average total assets | $204,016,000 | 2,905 |
| Average earning assets | $192,892,400 | 2,884 |
| Average equity | $27,231,200 | 2,661 |
| Average total loans | $91,017,800 | 3,384 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,135 |
| Cost of funding earning assets | 0.4152% | 3,728 |
| Net interest margin | 3.1258% | 3,675 |
| Noninterest income to average assets | 0.3623% | 3,291 |
| Noninterest expense to average assets | 2.6812% | 2,308 |
| Loan and lease loss provision to assets | -0.2337% | 5,014 |
| Net operating income to assets | 0.6428% | 3,652 |
| Return on assets (ROA) | 0.6428% | 3,747 |
| Pretax return on assets | 0.8658% | 3,474 |
| Return on Equity (ROE) | 4.6677% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.6677% | 2,709 |
| Net charge-offs to loans | -0.5697% | 4,979 |
| Credit loss provision to net charge-offs | 87.1537% | 2,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9262% | 805 |
| Assets per employee ($millions) | 5.4581% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3404% | 286 |
| Loan loss allowance to noncurrent loans | 112.2946% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 2.2608% | 257 |
| Noncurrent loans to loans | 2.0842% | 576 |
| Net loans and leases to total assets | 42.6316% | 4,473 |
| Net loans and leases to deposits | 49.7883% | 4,493 |
| Net loans and leases to core deposits | 51.8781% | 4,531 |
| Total domestic deposits to total assets | 85.6258% | 2,208 |
| Equity capital to assets | 13.6047% | 971 |
| Core capital (leverage) ratio | 13.4025% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7109% | 341 |
| Memoranda: | ||
| Average total assets | $197,267,000 | 2,948 |
| Average earning assets | $186,230,250 | 2,923 |
| Average equity | $27,164,500 | 2,655 |
| Average total loans | $92,904,500 | 3,371 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 3,864 |
| Cost of funding earning assets | 0.4496% | 3,794 |
| Net interest margin | 3.3468% | 3,253 |
| Noninterest income to average assets | 0.4219% | 2,961 |
| Noninterest expense to average assets | 2.7315% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6199% | 3,674 |
| Return on assets (ROA) | 0.6199% | 3,751 |
| Pretax return on assets | 0.8386% | 3,482 |
| Return on Equity (ROE) | 4.4828% | 3,980 |
| Retained earnings to average equity (ytd only) | 4.4828% | 2,715 |
| Net charge-offs to loans | -0.6297% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5097% | 1,220 |
| Assets per employee ($millions) | 4.5999% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6016% | 196 |
| Loan loss allowance to noncurrent loans | 118.9230% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 251 |
| Noncurrent loans to loans | 2.1877% | 583 |
| Net loans and leases to total assets | 43.7093% | 4,465 |
| Net loans and leases to deposits | 51.0326% | 4,485 |
| Net loans and leases to core deposits | 53.1136% | 4,521 |
| Total domestic deposits to total assets | 85.6498% | 2,143 |
| Equity capital to assets | 13.6867% | 935 |
| Core capital (leverage) ratio | 13.9268% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0624% | 364 |
| Memoranda: | ||
| Average total assets | $193,887,000 | 2,956 |
| Average earning assets | $182,384,000 | 2,934 |
| Average equity | $26,813,667 | 2,661 |
| Average total loans | $93,692,667 | 3,340 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 4,201 |
| Cost of funding earning assets | 0.4930% | 3,971 |
| Net interest margin | 3.3228% | 3,535 |
| Noninterest income to average assets | 0.2995% | 3,718 |
| Noninterest expense to average assets | 2.7738% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4746% | 3,959 |
| Return on assets (ROA) | 0.4746% | 4,014 |
| Pretax return on assets | 0.6391% | 3,840 |
| Return on Equity (ROE) | 3.4130% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.4130% | 2,918 |
| Net charge-offs to loans | -0.3742% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2732% | 1,019 |
| Assets per employee ($millions) | 4.3058% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3056% | 326 |
| Loan loss allowance to noncurrent loans | 102.6166% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 257 |
| Noncurrent loans to loans | 2.2468% | 577 |
| Net loans and leases to total assets | 48.2436% | 4,322 |
| Net loans and leases to deposits | 56.4554% | 4,349 |
| Net loans and leases to core deposits | 59.2020% | 4,391 |
| Total domestic deposits to total assets | 85.4544% | 2,230 |
| Equity capital to assets | 13.9760% | 1,068 |
| Core capital (leverage) ratio | 14.2612% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8750% | 449 |
| Memoranda: | ||
| Average total assets | $189,633,500 | 2,958 |
| Average earning assets | $177,680,500 | 2,941 |
| Average equity | $26,370,000 | 2,687 |
| Average total loans | $95,125,000 | 3,297 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 2,810 |
| Cost of funding earning assets | 0.4045% | 4,432 |
| Net interest margin | 4.1342% | 1,465 |
| Noninterest income to average assets | -0.1373% | 5,158 |
| Noninterest expense to average assets | 3.0330% | 1,932 |
| Loan and lease loss provision to assets | -0.5551% | 5,170 |
| Net operating income to assets | 0.8975% | 3,216 |
| Return on assets (ROA) | 0.8932% | 3,317 |
| Pretax return on assets | 1.2177% | 2,779 |
| Return on Equity (ROE) | 6.6138% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.6138% | 1,558 |
| Net charge-offs to loans | -1.0595% | 5,138 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9501% | 803 |
| Assets per employee ($millions) | 3.9545% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 367 |
| Loan loss allowance to noncurrent loans | 87.7759% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.7290% | 213 |
| Noncurrent loans to loans | 2.4366% | 453 |
| Net loans and leases to total assets | 49.8520% | 4,332 |
| Net loans and leases to deposits | 58.1702% | 4,364 |
| Net loans and leases to core deposits | 60.9680% | 4,396 |
| Total domestic deposits to total assets | 85.7002% | 2,193 |
| Equity capital to assets | 13.8356% | 1,156 |
| Core capital (leverage) ratio | 14.2784% | 855 |
| Tier 1 risk-based capital ratio | 23.2516% | 893 |
| Total risk-based capital ratio | 24.5079% | 873 |
| Memoranda: | ||
| Average total assets | $184,275,400 | 2,967 |
| Average earning assets | $171,085,000 | 2,972 |
| Average equity | $24,887,200 | 2,723 |
| Average total loans | $96,550,800 | 3,272 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 2,308 |
| Cost of funding earning assets | 0.3925% | 4,526 |
| Net interest margin | 4.3441% | 1,067 |
| Noninterest income to average assets | 0.0306% | 5,153 |
| Noninterest expense to average assets | 2.9955% | 1,991 |
| Loan and lease loss provision to assets | -0.7458% | 5,252 |
| Net operating income to assets | 1.3267% | 1,744 |
| Return on assets (ROA) | 1.3210% | 1,841 |
| Pretax return on assets | 1.7999% | 1,093 |
| Return on Equity (ROE) | 9.8435% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.8435% | 792 |
| Net charge-offs to loans | -1.4118% | 5,214 |
| Credit loss provision to net charge-offs | 100.0978% | 2,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8365% | 1,593 |
| Assets per employee ($millions) | 3.7014% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 414 |
| Loan loss allowance to noncurrent loans | 88.9032% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.0524% | 183 |
| Noncurrent loans to loans | 2.3192% | 527 |
| Net loans and leases to total assets | 54.1361% | 4,171 |
| Net loans and leases to deposits | 63.8784% | 4,178 |
| Net loans and leases to core deposits | 68.8095% | 4,120 |
| Total domestic deposits to total assets | 84.7486% | 2,525 |
| Equity capital to assets | 14.5153% | 976 |
| Core capital (leverage) ratio | 14.9095% | 758 |
| Tier 1 risk-based capital ratio | 23.3042% | 916 |
| Total risk-based capital ratio | 24.5608% | 893 |
| Memoranda: | ||
| Average total assets | $182,890,750 | 3,014 |
| Average earning assets | $169,515,000 | 3,021 |
| Average equity | $24,543,500 | 2,767 |
| Average total loans | $96,515,000 | 3,315 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 3,502 |
| Cost of funding earning assets | 0.3740% | 4,605 |
| Net interest margin | 3.9718% | 2,009 |
| Noninterest income to average assets | -0.0807% | 5,279 |
| Noninterest expense to average assets | 2.9117% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6325% | 4,215 |
| Return on assets (ROA) | 0.6325% | 4,261 |
| Pretax return on assets | 0.6903% | 4,353 |
| Return on Equity (ROE) | 4.8436% | 4,379 |
| Retained earnings to average equity (ytd only) | 4.8436% | 2,840 |
| Net charge-offs to loans | -0.0021% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8356% | 894 |
| Assets per employee ($millions) | 3.5546% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 463 |
| Loan loss allowance to noncurrent loans | 78.9393% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 3.2606% | 165 |
| Noncurrent loans to loans | 2.5532% | 458 |
| Net loans and leases to total assets | 55.4861% | 4,105 |
| Net loans and leases to deposits | 64.8148% | 4,181 |
| Net loans and leases to core deposits | 69.1502% | 4,143 |
| Total domestic deposits to total assets | 85.6072% | 2,220 |
| Equity capital to assets | 13.7595% | 1,215 |
| Core capital (leverage) ratio | 13.9733% | 967 |
| Tier 1 risk-based capital ratio | 21.7466% | 1,089 |
| Total risk-based capital ratio | 23.0021% | 1,061 |
| Memoranda: | ||
| Average total assets | $183,398,670 | 3,020 |
| Average earning assets | $170,050,670 | 3,017 |
| Average equity | $23,949,330 | 2,802 |
| Average total loans | $95,269,330 | 3,350 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 3,549 |
| Cost of funding earning assets | 0.3305% | 4,740 |
| Net interest margin | 3.9705% | 1,945 |
| Noninterest income to average assets | -0.5985% | 5,350 |
| Noninterest expense to average assets | 2.9058% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1279% | 5,074 |
| Return on assets (ROA) | 0.1279% | 5,079 |
| Pretax return on assets | 0.1691% | 5,056 |
| Return on Equity (ROE) | 1.0063% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.0063% | 4,306 |
| Net charge-offs to loans | -0.0044% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4993% | 259 |
| Assets per employee ($millions) | 3.7407% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 360 |
| Loan loss allowance to noncurrent loans | 62.1508% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 3.9565% | 116 |
| Noncurrent loans to loans | 3.5275% | 256 |
| Net loans and leases to total assets | 50.3590% | 4,442 |
| Net loans and leases to deposits | 58.2186% | 4,492 |
| Net loans and leases to core deposits | 62.1804% | 4,461 |
| Total domestic deposits to total assets | 86.4998% | 2,071 |
| Equity capital to assets | 12.9470% | 1,485 |
| Core capital (leverage) ratio | 13.5831% | 1,063 |
| Tier 1 risk-based capital ratio | 21.9925% | 1,052 |
| Total risk-based capital ratio | 23.2489% | 1,026 |
| Memoranda: | ||
| Average total assets | $184,455,500 | 3,039 |
| Average earning assets | $170,657,500 | 3,048 |
| Average equity | $23,452,000 | 2,844 |
| Average total loans | $91,575,500 | 3,460 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7916% | 4,506 |
| Cost of funding earning assets | 0.2941% | 4,596 |
| Net interest margin | 3.4976% | 3,713 |
| Noninterest income to average assets | 0.4607% | 3,045 |
| Noninterest expense to average assets | 3.1028% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4080% | 4,848 |
| Return on assets (ROA) | 0.4102% | 4,837 |
| Pretax return on assets | 0.5389% | 4,739 |
| Return on Equity (ROE) | 3.2466% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.2466% | 3,778 |
| Net charge-offs to loans | -0.0397% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2681% | 566 |
| Assets per employee ($millions) | 3.7881% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 275 |
| Loan loss allowance to noncurrent loans | 58.4346% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 5.4645% | 61 |
| Noncurrent loans to loans | 3.9864% | 185 |
| Net loans and leases to total assets | 46.7139% | 4,710 |
| Net loans and leases to deposits | 53.6875% | 4,761 |
| Net loans and leases to core deposits | 57.3989% | 4,721 |
| Total domestic deposits to total assets | 87.0109% | 1,779 |
| Equity capital to assets | 12.4843% | 1,585 |
| Core capital (leverage) ratio | 13.9034% | 950 |
| Tier 1 risk-based capital ratio | 21.9638% | 1,038 |
| Total risk-based capital ratio | 23.2207% | 1,018 |
| Memoranda: | ||
| Average total assets | $180,383,000 | 3,051 |
| Average earning assets | $163,914,000 | 3,096 |
| Average equity | $22,793,200 | 2,836 |
| Average total loans | $83,110,400 | 3,606 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,247 |
| Cost of funding earning assets | 0.2844% | 4,614 |
| Net interest margin | 3.5994% | 3,367 |
| Noninterest income to average assets | 0.4691% | 3,048 |
| Noninterest expense to average assets | 2.9842% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6304% | 4,420 |
| Return on assets (ROA) | 0.6336% | 4,423 |
| Pretax return on assets | 0.7490% | 4,429 |
| Return on Equity (ROE) | 4.9988% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.9988% | 3,233 |
| Net charge-offs to loans | -0.0424% | 4,871 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0160% | 939 |
| Assets per employee ($millions) | 3.7066% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4094% | 270 |
| Loan loss allowance to noncurrent loans | 56.7144% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 6.0082% | 54 |
| Noncurrent loans to loans | 4.2484% | 186 |
| Net loans and leases to total assets | 47.9178% | 4,722 |
| Net loans and leases to deposits | 55.4844% | 4,775 |
| Net loans and leases to core deposits | 57.9547% | 4,790 |
| Total domestic deposits to total assets | 86.3625% | 2,032 |
| Equity capital to assets | 13.0675% | 1,303 |
| Core capital (leverage) ratio | 14.4552% | 834 |
| Tier 1 risk-based capital ratio | 22.0812% | 1,045 |
| Total risk-based capital ratio | 23.3374% | 1,022 |
| Memoranda: | ||
| Average total assets | $179,074,500 | 3,084 |
| Average earning assets | $162,209,500 | 3,141 |
| Average equity | $22,698,250 | 2,859 |
| Average total loans | $81,693,750 | 3,661 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 4,223 |
| Cost of funding earning assets | 0.2861% | 4,526 |
| Net interest margin | 3.5607% | 3,434 |
| Noninterest income to average assets | 0.4184% | 3,369 |
| Noninterest expense to average assets | 3.1102% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4052% | 4,949 |
| Return on assets (ROA) | 0.4095% | 4,945 |
| Pretax return on assets | 0.5368% | 4,840 |
| Return on Equity (ROE) | 3.2634% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.2634% | 3,938 |
| Net charge-offs to loans | -0.0473% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4103% | 603 |
| Assets per employee ($millions) | 3.4443% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 259 |
| Loan loss allowance to noncurrent loans | 54.9318% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 6.0389% | 59 |
| Noncurrent loans to loans | 4.4630% | 176 |
| Net loans and leases to total assets | 46.5490% | 4,794 |
| Net loans and leases to deposits | 53.9196% | 4,850 |
| Net loans and leases to core deposits | 58.5068% | 4,768 |
| Total domestic deposits to total assets | 86.3304% | 2,126 |
| Equity capital to assets | 12.8117% | 1,385 |
| Core capital (leverage) ratio | 14.0884% | 887 |
| Tier 1 risk-based capital ratio | 21.5598% | 1,090 |
| Total risk-based capital ratio | 22.8163% | 1,067 |
| Memoranda: | ||
| Average total assets | $180,695,670 | 3,086 |
| Average earning assets | $163,563,330 | 3,136 |
| Average equity | $22,676,000 | 2,870 |
| Average total loans | $80,412,000 | 3,703 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,478 |
| Cost of funding earning assets | 0.2827% | 4,482 |
| Net interest margin | 3.4117% | 3,844 |
| Noninterest income to average assets | 0.3340% | 3,920 |
| Noninterest expense to average assets | 3.1766% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1901% | 5,251 |
| Return on assets (ROA) | 0.1987% | 5,240 |
| Pretax return on assets | 0.2511% | 5,216 |
| Return on Equity (ROE) | 1.5992% | 5,234 |
| Retained earnings to average equity (ytd only) | 1.5992% | 4,460 |
| Net charge-offs to loans | -0.0508% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9712% | 335 |
| Assets per employee ($millions) | 4.1297% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5892% | 234 |
| Loan loss allowance to noncurrent loans | 47.3502% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 6.4378% | 57 |
| Noncurrent loans to loans | 5.4681% | 123 |
| Net loans and leases to total assets | 43.3482% | 4,925 |
| Net loans and leases to deposits | 49.8653% | 4,962 |
| Net loans and leases to core deposits | 54.4054% | 4,902 |
| Total domestic deposits to total assets | 86.9307% | 2,154 |
| Equity capital to assets | 12.6594% | 1,399 |
| Core capital (leverage) ratio | 13.5037% | 1,011 |
| Tier 1 risk-based capital ratio | 22.4398% | 998 |
| Total risk-based capital ratio | 23.6973% | 977 |
| Memoranda: | ||
| Average total assets | $183,213,500 | 3,099 |
| Average earning assets | $165,548,000 | 3,142 |
| Average equity | $22,761,500 | 2,892 |
| Average total loans | $78,706,500 | 3,765 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 4,669 |
| Cost of funding earning assets | 0.2697% | 4,398 |
| Net interest margin | 3.2895% | 4,188 |
| Noninterest income to average assets | 0.3288% | 4,117 |
| Noninterest expense to average assets | 2.8968% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3716% | 5,494 |
| Return on assets (ROA) | -0.3500% | 5,485 |
| Pretax return on assets | 0.4087% | 5,078 |
| Return on Equity (ROE) | -2.6982% | 5,481 |
| Retained earnings to average equity (ytd only) | -2.6982% | 5,330 |
| Net charge-offs to loans | 0.0270% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.3636% | 1,504 |
| Efficiency ratio | 88.5382% | 500 |
| Assets per employee ($millions) | 4.2921% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5960% | 221 |
| Loan loss allowance to noncurrent loans | 23.6271% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 8.4029% | 31 |
| Noncurrent loans to loans | 10.9872% | 17 |
| Net loans and leases to total assets | 40.4319% | 5,121 |
| Net loans and leases to deposits | 46.2946% | 5,181 |
| Net loans and leases to core deposits | 49.9124% | 5,139 |
| Total domestic deposits to total assets | 87.3360% | 1,846 |
| Equity capital to assets | 12.2017% | 1,701 |
| Core capital (leverage) ratio | 13.3549% | 1,017 |
| Tier 1 risk-based capital ratio | 21.6964% | 1,051 |
| Total risk-based capital ratio | 22.9534% | 1,029 |
| Memoranda: | ||
| Average total assets | $183,995,600 | 3,072 |
| Average earning assets | $164,613,400 | 3,146 |
| Average equity | $23,867,800 | 2,776 |
| Average total loans | $81,370,800 | 3,726 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 4,662 |
| Cost of funding earning assets | 0.2709% | 4,400 |
| Net interest margin | 3.2874% | 4,208 |
| Noninterest income to average assets | 0.2735% | 4,548 |
| Noninterest expense to average assets | 2.8222% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2860% | 5,243 |
| Return on assets (ROA) | 0.2881% | 5,261 |
| Pretax return on assets | 0.3932% | 5,200 |
| Return on Equity (ROE) | 2.1876% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.1876% | 4,549 |
| Net charge-offs to loans | 0.0130% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 66.8529% | 930 |
| Efficiency ratio | 87.8520% | 517 |
| Assets per employee ($millions) | 4.0162% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5710% | 245 |
| Loan loss allowance to noncurrent loans | 44.0266% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 6.9104% | 52 |
| Noncurrent loans to loans | 5.8397% | 108 |
| Net loans and leases to total assets | 44.9617% | 4,988 |
| Net loans and leases to deposits | 52.7432% | 5,013 |
| Net loans and leases to core deposits | 57.8958% | 4,919 |
| Total domestic deposits to total assets | 85.2463% | 2,618 |
| Equity capital to assets | 14.1931% | 941 |
| Core capital (leverage) ratio | 14.6639% | 730 |
| Tier 1 risk-based capital ratio | 22.6246% | 980 |
| Total risk-based capital ratio | 23.8818% | 965 |
| Memoranda: | ||
| Average total assets | $182,781,750 | 3,112 |
| Average earning assets | $163,407,500 | 3,188 |
| Average equity | $24,074,000 | 2,774 |
| Average total loans | $82,115,750 | 3,727 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 4,668 |
| Cost of funding earning assets | 0.2731% | 4,348 |
| Net interest margin | 3.2620% | 4,232 |
| Noninterest income to average assets | 0.2246% | 4,901 |
| Noninterest expense to average assets | 2.7237% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2405% | 5,336 |
| Return on assets (ROA) | 0.2439% | 5,350 |
| Pretax return on assets | 0.4190% | 5,147 |
| Return on Equity (ROE) | 1.8973% | 5,356 |
| Retained earnings to average equity (ytd only) | 1.8973% | 4,492 |
| Net charge-offs to loans | 0.0362% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,600 |
| Efficiency ratio | 86.8151% | 620 |
| Assets per employee ($millions) | 4.1740% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 292 |
| Loan loss allowance to noncurrent loans | 43.5394% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 6.6903% | 61 |
| Noncurrent loans to loans | 5.6641% | 114 |
| Net loans and leases to total assets | 44.9957% | 4,991 |
| Net loans and leases to deposits | 52.4143% | 5,043 |
| Net loans and leases to core deposits | 57.8233% | 4,922 |
| Total domestic deposits to total assets | 85.8461% | 2,449 |
| Equity capital to assets | 13.6246% | 1,102 |
| Core capital (leverage) ratio | 13.8116% | 906 |
| Tier 1 risk-based capital ratio | 21.8132% | 1,073 |
| Total risk-based capital ratio | 23.0702% | 1,054 |
| Memoranda: | ||
| Average total assets | $186,143,670 | 3,092 |
| Average earning assets | $166,218,000 | 3,163 |
| Average equity | $23,928,330 | 2,790 |
| Average total loans | $82,922,330 | 3,723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 4,603 |
| Cost of funding earning assets | 0.2773% | 4,277 |
| Net interest margin | 3.2541% | 4,153 |
| Noninterest income to average assets | 0.3969% | 3,683 |
| Noninterest expense to average assets | 2.6748% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4159% | 4,906 |
| Return on assets (ROA) | 0.4159% | 4,929 |
| Pretax return on assets | 0.6207% | 4,682 |
| Return on Equity (ROE) | 3.3297% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.3297% | 3,770 |
| Net charge-offs to loans | -0.0386% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1659% | 1,244 |
| Assets per employee ($millions) | 4.7924% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4420% | 336 |
| Loan loss allowance to noncurrent loans | 42.2896% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 7.1234% | 60 |
| Noncurrent loans to loans | 5.7745% | 122 |
| Net loans and leases to total assets | 44.1379% | 5,032 |
| Net loans and leases to deposits | 50.8854% | 5,072 |
| Net loans and leases to core deposits | 55.9625% | 4,976 |
| Total domestic deposits to total assets | 86.7398% | 2,339 |
| Equity capital to assets | 12.7573% | 1,377 |
| Core capital (leverage) ratio | 12.0258% | 1,611 |
| Tier 1 risk-based capital ratio | 19.4566% | 1,500 |
| Total risk-based capital ratio | 20.7186% | 1,468 |
| Memoranda: | ||
| Average total assets | $189,473,500 | 3,090 |
| Average earning assets | $168,772,000 | 3,149 |
| Average equity | $23,665,500 | 2,827 |
| Average total loans | $82,982,500 | 3,745 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0491% | 3,022 |
| Cost of funding earning assets | 0.3311% | 3,736 |
| Net interest margin | 3.7180% | 2,615 |
| Noninterest income to average assets | 0.4538% | 3,517 |
| Noninterest expense to average assets | 2.7314% | 3,250 |
| Loan and lease loss provision to assets | 0.1656% | 1,483 |
| Net operating income to assets | 0.6189% | 4,132 |
| Return on assets (ROA) | 0.8219% | 3,296 |
| Pretax return on assets | 1.1984% | 2,682 |
| Return on Equity (ROE) | 6.2878% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.2878% | 1,569 |
| Net charge-offs to loans | 0.1859% | 1,489 |
| Credit loss provision to net charge-offs | 204.0816% | 1,386 |
| Earnings coverage of net charge-offs (x) | 13.1837% | 2,389 |
| Efficiency ratio | 71.8559% | 2,610 |
| Assets per employee ($millions) | 5.1903% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5269% | 302 |
| Loan loss allowance to noncurrent loans | 42.3600% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 6.9277% | 66 |
| Noncurrent loans to loans | 5.9653% | 101 |
| Net loans and leases to total assets | 41.3175% | 5,262 |
| Net loans and leases to deposits | 47.7456% | 5,310 |
| Net loans and leases to core deposits | 54.5434% | 5,125 |
| Total domestic deposits to total assets | 86.5368% | 2,359 |
| Equity capital to assets | 12.2301% | 1,669 |
| Core capital (leverage) ratio | 12.4567% | 1,351 |
| Tier 1 risk-based capital ratio | 20.0844% | 1,359 |
| Total risk-based capital ratio | 21.3543% | 1,333 |
| Memoranda: | ||
| Average total assets | $181,155,800 | 3,151 |
| Average earning assets | $163,097,000 | 3,194 |
| Average equity | $23,680,600 | 2,825 |
| Average total loans | $79,087,000 | 3,820 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4139% | 4,996 |
| Cost of funding earning assets | 0.3501% | 3,537 |
| Net interest margin | 3.0637% | 4,867 |
| Noninterest income to average assets | 0.4655% | 3,457 |
| Noninterest expense to average assets | 2.9022% | 2,640 |
| Loan and lease loss provision to assets | 0.2242% | 911 |
| Net operating income to assets | 0.0642% | 5,666 |
| Return on assets (ROA) | 0.3191% | 5,324 |
| Pretax return on assets | 0.5096% | 5,099 |
| Return on Equity (ROE) | 2.3993% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.3993% | 4,477 |
| Net charge-offs to loans | 0.2666% | 871 |
| Credit loss provision to net charge-offs | 191.0828% | 1,485 |
| Earnings coverage of net charge-offs (x) | 2.8598% | 3,505 |
| Efficiency ratio | 89.6377% | 582 |
| Assets per employee ($millions) | 4.1501% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 246 |
| Loan loss allowance to noncurrent loans | 34.4967% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 8.4505% | 53 |
| Noncurrent loans to loans | 7.9858% | 60 |
| Net loans and leases to total assets | 42.4454% | 5,274 |
| Net loans and leases to deposits | 50.1340% | 5,296 |
| Net loans and leases to core deposits | 55.6358% | 5,163 |
| Total domestic deposits to total assets | 84.6640% | 2,964 |
| Equity capital to assets | 14.0337% | 1,019 |
| Core capital (leverage) ratio | 13.0681% | 1,165 |
| Tier 1 risk-based capital ratio | 21.8346% | 1,157 |
| Total risk-based capital ratio | 23.1044% | 1,134 |
| Memoranda: | ||
| Average total assets | $178,434,250 | 3,193 |
| Average earning assets | $161,455,750 | 3,227 |
| Average equity | $23,729,000 | 2,841 |
| Average total loans | $78,507,750 | 3,865 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 4,964 |
| Cost of funding earning assets | 0.3786% | 3,263 |
| Net interest margin | 3.0809% | 4,883 |
| Noninterest income to average assets | 0.4448% | 3,561 |
| Noninterest expense to average assets | 2.8202% | 2,963 |
| Loan and lease loss provision to assets | 0.3311% | 503 |
| Net operating income to assets | 0.0798% | 5,692 |
| Return on assets (ROA) | 0.6270% | 4,289 |
| Pretax return on assets | 0.6755% | 4,697 |
| Return on Equity (ROE) | 4.7975% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.7975% | 2,867 |
| Net charge-offs to loans | 0.4254% | 531 |
| Credit loss provision to net charge-offs | 176.4706% | 1,419 |
| Earnings coverage of net charge-offs (x) | 2.2294% | 3,307 |
| Efficiency ratio | 87.0825% | 783 |
| Assets per employee ($millions) | 3.9265% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 329 |
| Loan loss allowance to noncurrent loans | 27.8608% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 9.4084% | 51 |
| Noncurrent loans to loans | 9.2455% | 46 |
| Net loans and leases to total assets | 45.5416% | 5,155 |
| Net loans and leases to deposits | 53.5117% | 5,160 |
| Net loans and leases to core deposits | 60.4326% | 4,963 |
| Total domestic deposits to total assets | 85.1059% | 2,827 |
| Equity capital to assets | 14.2449% | 947 |
| Core capital (leverage) ratio | 12.6646% | 1,275 |
| Tier 1 risk-based capital ratio | 22.9270% | 1,024 |
| Total risk-based capital ratio | 24.1924% | 1,002 |
| Memoranda: | ||
| Average total assets | $181,194,000 | 3,184 |
| Average earning assets | $164,300,670 | 3,217 |
| Average equity | $23,679,000 | 2,860 |
| Average total loans | $79,920,670 | 3,844 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 5,186 |
| Cost of funding earning assets | 0.3587% | 3,518 |
| Net interest margin | 3.0124% | 5,091 |
| Noninterest income to average assets | 0.4718% | 3,332 |
| Noninterest expense to average assets | 2.6685% | 3,525 |
| Loan and lease loss provision to assets | 0.3202% | 478 |
| Net operating income to assets | 0.1782% | 5,574 |
| Return on assets (ROA) | 0.2220% | 5,549 |
| Pretax return on assets | 0.2818% | 5,546 |
| Return on Equity (ROE) | 1.7707% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.7707% | 4,558 |
| Net charge-offs to loans | 0.8953% | 222 |
| Credit loss provision to net charge-offs | 83.3333% | 1,813 |
| Earnings coverage of net charge-offs (x) | 1.4222% | 2,821 |
| Efficiency ratio | 83.0013% | 1,259 |
| Assets per employee ($millions) | 4.3575% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 493 |
| Loan loss allowance to noncurrent loans | 25.1442% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 8.6554% | 64 |
| Noncurrent loans to loans | 9.2486% | 50 |
| Net loans and leases to total assets | 42.0074% | 5,350 |
| Net loans and leases to deposits | 51.5441% | 5,247 |
| Net loans and leases to core deposits | 57.7602% | 5,062 |
| Total domestic deposits to total assets | 81.4980% | 4,358 |
| Equity capital to assets | 12.6693% | 1,577 |
| Core capital (leverage) ratio | 12.2720% | 1,449 |
| Tier 1 risk-based capital ratio | 22.4205% | 1,101 |
| Total risk-based capital ratio | 23.6792% | 1,075 |
| Memoranda: | ||
| Average total assets | $187,371,500 | 3,119 |
| Average earning assets | $170,629,500 | 3,148 |
| Average equity | $23,493,000 | 2,879 |
| Average total loans | $80,418,500 | 3,845 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,192 |
| Cost of funding earning assets | 0.4691% | 2,447 |
| Net interest margin | 3.2811% | 4,369 |
| Noninterest income to average assets | 0.1857% | 5,485 |
| Noninterest expense to average assets | 2.7983% | 3,235 |
| Loan and lease loss provision to assets | 0.4736% | 251 |
| Net operating income to assets | -0.0190% | 5,880 |
| Return on assets (ROA) | -0.0153% | 5,903 |
| Pretax return on assets | -0.0989% | 5,932 |
| Return on Equity (ROE) | -0.1244% | 5,902 |
| Retained earnings to average equity (ytd only) | -0.1244% | 5,530 |
| Net charge-offs to loans | 3.1790% | 29 |
| Credit loss provision to net charge-offs | 31.1526% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.2426% | 4,247 |
| Efficiency ratio | 88.3535% | 809 |
| Assets per employee ($millions) | 3.9866% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3713% | 473 |
| Loan loss allowance to noncurrent loans | 20.4756% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 9.0319% | 66 |
| Noncurrent loans to loans | 11.5810% | 31 |
| Net loans and leases to total assets | 41.8153% | 5,418 |
| Net loans and leases to deposits | 51.1220% | 5,333 |
| Net loans and leases to core deposits | 57.7829% | 5,115 |
| Total domestic deposits to total assets | 81.7953% | 4,227 |
| Equity capital to assets | 12.4071% | 1,668 |
| Core capital (leverage) ratio | 12.5790% | 1,313 |
| Tier 1 risk-based capital ratio | 21.7925% | 1,181 |
| Total risk-based capital ratio | 23.0526% | 1,153 |
| Memoranda: | ||
| Average total assets | $190,041,200 | 3,055 |
| Average earning assets | $172,684,400 | 3,085 |
| Average equity | $23,315,800 | 2,848 |
| Average total loans | $90,878,000 | 3,573 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,910 |
| Cost of funding earning assets | 0.4981% | 2,230 |
| Net interest margin | 3.3586% | 4,111 |
| Noninterest income to average assets | 0.4146% | 3,972 |
| Noninterest expense to average assets | 2.7427% | 3,414 |
| Loan and lease loss provision to assets | 0.5243% | 192 |
| Net operating income to assets | 0.1692% | 5,738 |
| Return on assets (ROA) | 0.1692% | 5,793 |
| Pretax return on assets | 0.1979% | 5,793 |
| Return on Equity (ROE) | 1.3828% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.3828% | 5,170 |
| Net charge-offs to loans | 4.1381% | 16 |
| Credit loss provision to net charge-offs | 25.8353% | 3,315 |
| Earnings coverage of net charge-offs (x) | 0.3558% | 3,960 |
| Efficiency ratio | 79.1566% | 1,780 |
| Assets per employee ($millions) | 3.7118% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 775 |
| Loan loss allowance to noncurrent loans | 17.5852% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 10.1968% | 57 |
| Noncurrent loans to loans | 11.9591% | 31 |
| Net loans and leases to total assets | 45.4362% | 5,265 |
| Net loans and leases to deposits | 56.3934% | 5,101 |
| Net loans and leases to core deposits | 62.0818% | 4,936 |
| Total domestic deposits to total assets | 80.5701% | 4,587 |
| Equity capital to assets | 13.1755% | 1,365 |
| Core capital (leverage) ratio | 13.0174% | 1,198 |
| Tier 1 risk-based capital ratio | 21.3805% | 1,280 |
| Total risk-based capital ratio | 22.6365% | 1,262 |
| Memoranda: | ||
| Average total assets | $190,709,250 | 3,066 |
| Average earning assets | $173,201,250 | 3,095 |
| Average equity | $23,333,000 | 2,874 |
| Average total loans | $93,534,500 | 3,545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 3,737 |
| Cost of funding earning assets | 0.5440% | 1,870 |
| Net interest margin | 3.3442% | 4,125 |
| Noninterest income to average assets | 0.3982% | 4,090 |
| Noninterest expense to average assets | 2.6086% | 3,876 |
| Loan and lease loss provision to assets | 0.6157% | 147 |
| Net operating income to assets | 0.2381% | 5,609 |
| Return on assets (ROA) | 0.2381% | 5,678 |
| Pretax return on assets | 0.2145% | 5,789 |
| Return on Equity (ROE) | 1.9926% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.9926% | 4,701 |
| Net charge-offs to loans | 6.0011% | 8 |
| Credit loss provision to net charge-offs | 20.5832% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.2775% | 3,680 |
| Efficiency ratio | 75.8580% | 2,386 |
| Assets per employee ($millions) | 3.9062% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 1,697 |
| Loan loss allowance to noncurrent loans | 20.8075% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 8.4864% | 77 |
| Noncurrent loans to loans | 8.0053% | 83 |
| Net loans and leases to total assets | 49.6525% | 4,970 |
| Net loans and leases to deposits | 63.6137% | 4,568 |
| Net loans and leases to core deposits | 68.4907% | 4,454 |
| Total domestic deposits to total assets | 78.0532% | 5,273 |
| Equity capital to assets | 12.3995% | 1,722 |
| Core capital (leverage) ratio | 11.6836% | 1,851 |
| Tier 1 risk-based capital ratio | 18.7859% | 1,846 |
| Total risk-based capital ratio | 20.0460% | 1,811 |
| Memoranda: | ||
| Average total assets | $194,891,000 | 3,044 |
| Average earning assets | $177,204,670 | 3,075 |
| Average equity | $23,286,000 | 2,889 |
| Average total loans | $97,149,330 | 3,486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 3,928 |
| Cost of funding earning assets | 0.5435% | 1,898 |
| Net interest margin | 3.2762% | 4,319 |
| Noninterest income to average assets | 0.4425% | 3,681 |
| Noninterest expense to average assets | 2.6367% | 3,800 |
| Loan and lease loss provision to assets | 1.6090% | 40 |
| Net operating income to assets | -0.4425% | 6,228 |
| Return on assets (ROA) | -0.4425% | 6,242 |
| Pretax return on assets | -0.8206% | 6,295 |
| Return on Equity (ROE) | -3.7281% | 6,235 |
| Retained earnings to average equity (ytd only) | -3.7281% | 5,845 |
| Net charge-offs to loans | 9.7005% | 7 |
| Credit loss provision to net charge-offs | 33.5289% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.1643% | 3,096 |
| Efficiency ratio | 76.9818% | 2,344 |
| Assets per employee ($millions) | 4.2767% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 2,225 |
| Loan loss allowance to noncurrent loans | 16.6999% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 8.7767% | 84 |
| Noncurrent loans to loans | 9.3001% | 72 |
| Net loans and leases to total assets | 48.5249% | 4,980 |
| Net loans and leases to deposits | 61.2986% | 4,638 |
| Net loans and leases to core deposits | 66.0570% | 4,515 |
| Total domestic deposits to total assets | 79.1614% | 5,243 |
| Equity capital to assets | 12.0853% | 1,964 |
| Core capital (leverage) ratio | 11.1604% | 2,257 |
| Tier 1 risk-based capital ratio | 18.4075% | 2,029 |
| Total risk-based capital ratio | 19.6557% | 1,980 |
| Memoranda: | ||
| Average total assets | $198,887,000 | 3,024 |
| Average earning assets | $181,063,000 | 3,056 |
| Average equity | $23,604,500 | 2,871 |
| Average total loans | $98,386,500 | 3,485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 3,434 |
| Cost of funding earning assets | 0.5927% | 1,828 |
| Net interest margin | 3.4793% | 3,873 |
| Noninterest income to average assets | -0.6835% | 6,499 |
| Noninterest expense to average assets | 2.6620% | 4,000 |
| Loan and lease loss provision to assets | 0.4563% | 363 |
| Net operating income to assets | -0.3809% | 6,267 |
| Return on assets (ROA) | -0.0619% | 6,139 |
| Pretax return on assets | -0.1455% | 6,164 |
| Return on Equity (ROE) | -0.5371% | 6,137 |
| Retained earnings to average equity (ytd only) | -0.5371% | 5,855 |
| Net charge-offs to loans | 0.4945% | 836 |
| Credit loss provision to net charge-offs | 175.0973% | 1,385 |
| Earnings coverage of net charge-offs (x) | -0.7198% | 4,780 |
| Efficiency ratio | 107.5820% | 247 |
| Assets per employee ($millions) | 4.3706% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0980% | 265 |
| Loan loss allowance to noncurrent loans | 34.3022% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 8.6437% | 103 |
| Noncurrent loans to loans | 9.0315% | 85 |
| Net loans and leases to total assets | 48.1049% | 5,143 |
| Net loans and leases to deposits | 60.3953% | 4,870 |
| Net loans and leases to core deposits | 65.7556% | 4,687 |
| Total domestic deposits to total assets | 79.6501% | 5,109 |
| Equity capital to assets | 11.6559% | 2,296 |
| Core capital (leverage) ratio | 11.1081% | 2,306 |
| Tier 1 risk-based capital ratio | 18.0566% | 2,116 |
| Total risk-based capital ratio | 19.3227% | 2,079 |
| Memoranda: | ||
| Average total assets | $197,217,200 | 3,033 |
| Average earning assets | $179,003,600 | 3,058 |
| Average equity | $22,714,600 | 2,878 |
| Average total loans | $103,946,000 | 3,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 3,347 |
| Cost of funding earning assets | 0.6051% | 1,785 |
| Net interest margin | 3.5020% | 3,821 |
| Noninterest income to average assets | -1.0374% | 6,582 |
| Noninterest expense to average assets | 2.6386% | 4,061 |
| Loan and lease loss provision to assets | 0.4586% | 336 |
| Net operating income to assets | -1.2480% | 6,485 |
| Return on assets (ROA) | -0.5802% | 6,385 |
| Pretax return on assets | -0.2860% | 6,287 |
| Return on Equity (ROE) | -5.0528% | 6,371 |
| Retained earnings to average equity (ytd only) | -5.0528% | 6,255 |
| Net charge-offs to loans | 0.6325% | 571 |
| Credit loss provision to net charge-offs | 135.5422% | 1,721 |
| Earnings coverage of net charge-offs (x) | -1.4639% | 4,542 |
| Efficiency ratio | 123.1062% | 118 |
| Assets per employee ($millions) | 3.9911% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8586% | 416 |
| Loan loss allowance to noncurrent loans | 29.9501% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 9.5952% | 99 |
| Noncurrent loans to loans | 9.5446% | 84 |
| Net loans and leases to total assets | 52.2275% | 4,781 |
| Net loans and leases to deposits | 66.8815% | 4,248 |
| Net loans and leases to core deposits | 74.4142% | 3,907 |
| Total domestic deposits to total assets | 78.0897% | 5,514 |
| Equity capital to assets | 11.7761% | 2,242 |
| Core capital (leverage) ratio | 10.9416% | 2,543 |
| Tier 1 risk-based capital ratio | 17.3520% | 2,450 |
| Total risk-based capital ratio | 18.6158% | 2,404 |
| Memoranda: | ||
| Average total assets | $196,259,500 | 3,057 |
| Average earning assets | $178,256,000 | 3,091 |
| Average equity | $22,534,750 | 2,899 |
| Average total loans | $104,981,000 | 3,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,447 |
| Cost of funding earning assets | 0.6073% | 1,841 |
| Net interest margin | 3.4662% | 3,915 |
| Noninterest income to average assets | -0.0131% | 6,571 |
| Noninterest expense to average assets | 2.5307% | 4,483 |
| Loan and lease loss provision to assets | 0.4519% | 356 |
| Net operating income to assets | 0.0986% | 6,048 |
| Return on assets (ROA) | 0.7502% | 3,674 |
| Pretax return on assets | 1.1439% | 2,911 |
| Return on Equity (ROE) | 6.5864% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.5864% | 1,989 |
| Net charge-offs to loans | 0.9478% | 380 |
| Credit loss provision to net charge-offs | 89.2857% | 2,190 |
| Earnings coverage of net charge-offs (x) | 1.2024% | 3,873 |
| Efficiency ratio | 80.6142% | 1,930 |
| Assets per employee ($millions) | 3.8380% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5985% | 613 |
| Loan loss allowance to noncurrent loans | 26.7527% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 10.1978% | 97 |
| Noncurrent loans to loans | 9.7130% | 84 |
| Net loans and leases to total assets | 50.7855% | 4,879 |
| Net loans and leases to deposits | 64.7320% | 4,413 |
| Net loans and leases to core deposits | 73.3869% | 3,902 |
| Total domestic deposits to total assets | 78.4550% | 5,561 |
| Equity capital to assets | 12.0027% | 1,976 |
| Core capital (leverage) ratio | 11.4938% | 2,003 |
| Tier 1 risk-based capital ratio | 18.1874% | 2,173 |
| Total risk-based capital ratio | 19.4481% | 2,137 |
| Memoranda: | ||
| Average total assets | $199,151,670 | 3,044 |
| Average earning assets | $181,121,670 | 3,066 |
| Average equity | $22,683,000 | 2,882 |
| Average total loans | $106,357,000 | 3,325 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,506 |
| Cost of funding earning assets | 0.6116% | 1,882 |
| Net interest margin | 3.4325% | 3,972 |
| Noninterest income to average assets | -0.2509% | 6,693 |
| Noninterest expense to average assets | 2.5471% | 4,464 |
| Loan and lease loss provision to assets | 0.4481% | 354 |
| Net operating income to assets | -0.0646% | 6,261 |
| Return on assets (ROA) | 1.2666% | 1,356 |
| Pretax return on assets | 1.8521% | 722 |
| Return on Equity (ROE) | 11.4196% | 1,563 |
| Retained earnings to average equity (ytd only) | 11.4196% | 686 |
| Net charge-offs to loans | 0.8331% | 418 |
| Credit loss provision to net charge-offs | 99.5575% | 1,710 |
| Earnings coverage of net charge-offs (x) | 0.7611% | 3,267 |
| Efficiency ratio | 88.1461% | 1,215 |
| Assets per employee ($millions) | 4.1677% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5162% | 802 |
| Loan loss allowance to noncurrent loans | 18.6577% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 11.2832% | 87 |
| Noncurrent loans to loans | 13.4859% | 50 |
| Net loans and leases to total assets | 52.3869% | 4,630 |
| Net loans and leases to deposits | 66.0403% | 4,090 |
| Net loans and leases to core deposits | 74.8566% | 3,549 |
| Total domestic deposits to total assets | 79.3257% | 5,625 |
| Equity capital to assets | 11.3082% | 2,411 |
| Core capital (leverage) ratio | 11.2502% | 2,173 |
| Tier 1 risk-based capital ratio | 17.7344% | 2,396 |
| Total risk-based capital ratio | 18.9954% | 2,362 |
| Memoranda: | ||
| Average total assets | $200,858,000 | 3,038 |
| Average earning assets | $183,773,000 | 3,053 |
| Average equity | $22,277,500 | 2,919 |
| Average total loans | $108,506,000 | 3,293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 3,991 |
| Cost of funding earning assets | 0.6975% | 1,836 |
| Net interest margin | 3.3305% | 4,547 |
| Noninterest income to average assets | 0.3304% | 4,975 |
| Noninterest expense to average assets | 2.6552% | 4,262 |
| Loan and lease loss provision to assets | 0.6991% | 329 |
| Net operating income to assets | 0.0443% | 6,142 |
| Return on assets (ROA) | 0.0443% | 6,187 |
| Pretax return on assets | 0.0532% | 6,152 |
| Return on Equity (ROE) | 0.3895% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.3895% | 5,671 |
| Net charge-offs to loans | 1.4007% | 346 |
| Credit loss provision to net charge-offs | 92.8105% | 2,682 |
| Earnings coverage of net charge-offs (x) | 0.9987% | 4,746 |
| Efficiency ratio | 77.9223% | 2,482 |
| Assets per employee ($millions) | 4.1156% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 850 |
| Loan loss allowance to noncurrent loans | 13.4153% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 12.6764% | 69 |
| Noncurrent loans to loans | 18.4198% | 23 |
| Net loans and leases to total assets | 52.9593% | 4,730 |
| Net loans and leases to deposits | 66.0685% | 4,291 |
| Net loans and leases to core deposits | 75.3127% | 3,693 |
| Total domestic deposits to total assets | 80.1583% | 5,405 |
| Equity capital to assets | 10.8759% | 2,730 |
| Core capital (leverage) ratio | 11.0719% | 2,324 |
| Tier 1 risk-based capital ratio | 16.7223% | 2,751 |
| Total risk-based capital ratio | 17.9824% | 2,700 |
| Memoranda: | ||
| Average total assets | $203,110,600 | 3,001 |
| Average earning assets | $187,656,800 | 2,990 |
| Average equity | $23,103,800 | 2,809 |
| Average total loans | $109,231,200 | 3,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 4,172 |
| Cost of funding earning assets | 0.7147% | 1,855 |
| Net interest margin | 3.2748% | 4,730 |
| Noninterest income to average assets | 0.3270% | 5,072 |
| Noninterest expense to average assets | 2.7371% | 3,878 |
| Loan and lease loss provision to assets | 0.7831% | 253 |
| Net operating income to assets | -0.0262% | 6,321 |
| Return on assets (ROA) | -0.0262% | 6,363 |
| Pretax return on assets | -0.1664% | 6,453 |
| Return on Equity (ROE) | -0.2279% | 6,362 |
| Retained earnings to average equity (ytd only) | -0.2279% | 5,984 |
| Net charge-offs to loans | 1.2116% | 450 |
| Credit loss provision to net charge-offs | 120.4637% | 1,956 |
| Earnings coverage of net charge-offs (x) | 0.9486% | 4,532 |
| Efficiency ratio | 81.6139% | 1,881 |
| Assets per employee ($millions) | 4.1423% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6845% | 756 |
| Loan loss allowance to noncurrent loans | 15.7387% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 12.3497% | 76 |
| Noncurrent loans to loans | 17.0569% | 34 |
| Net loans and leases to total assets | 55.0420% | 4,451 |
| Net loans and leases to deposits | 69.3268% | 3,883 |
| Net loans and leases to core deposits | 78.1458% | 3,342 |
| Total domestic deposits to total assets | 79.3950% | 5,652 |
| Equity capital to assets | 11.2357% | 2,527 |
| Core capital (leverage) ratio | 11.0234% | 2,460 |
| Tier 1 risk-based capital ratio | 16.3654% | 3,006 |
| Total risk-based capital ratio | 17.6281% | 2,971 |
| Memoranda: | ||
| Average total assets | $203,471,750 | 3,017 |
| Average earning assets | $188,056,500 | 3,006 |
| Average equity | $23,396,500 | 2,809 |
| Average total loans | $109,162,250 | 3,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 4,578 |
| Cost of funding earning assets | 0.7326% | 1,819 |
| Net interest margin | 3.1403% | 5,156 |
| Noninterest income to average assets | 0.2361% | 5,756 |
| Noninterest expense to average assets | 2.7002% | 4,032 |
| Loan and lease loss provision to assets | 0.9463% | 203 |
| Net operating income to assets | -0.2253% | 6,504 |
| Return on assets (ROA) | -0.2253% | 6,535 |
| Pretax return on assets | -0.5082% | 6,632 |
| Return on Equity (ROE) | -1.9454% | 6,524 |
| Retained earnings to average equity (ytd only) | -1.9454% | 6,188 |
| Net charge-offs to loans | 1.7323% | 279 |
| Credit loss provision to net charge-offs | 103.6325% | 2,133 |
| Earnings coverage of net charge-offs (x) | 0.4797% | 4,377 |
| Efficiency ratio | 86.0429% | 1,408 |
| Assets per employee ($millions) | 4.1754% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6219% | 857 |
| Loan loss allowance to noncurrent loans | 14.2138% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 13.2512% | 80 |
| Noncurrent loans to loans | 18.4460% | 27 |
| Net loans and leases to total assets | 52.8146% | 4,766 |
| Net loans and leases to deposits | 66.0854% | 4,258 |
| Net loans and leases to core deposits | 72.9866% | 3,931 |
| Total domestic deposits to total assets | 79.9187% | 5,621 |
| Equity capital to assets | 10.9725% | 2,781 |
| Core capital (leverage) ratio | 10.9958% | 2,357 |
| Tier 1 risk-based capital ratio | 16.8055% | 2,787 |
| Total risk-based capital ratio | 18.0664% | 2,755 |
| Memoranda: | ||
| Average total assets | $205,019,000 | 3,003 |
| Average earning assets | $189,469,670 | 2,998 |
| Average equity | $23,748,670 | 2,794 |
| Average total loans | $108,063,330 | 3,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 5,231 |
| Cost of funding earning assets | 0.7439% | 1,896 |
| Net interest margin | 2.9361% | 5,741 |
| Noninterest income to average assets | 0.1582% | 6,315 |
| Noninterest expense to average assets | 2.5333% | 4,639 |
| Loan and lease loss provision to assets | 1.4374% | 99 |
| Net operating income to assets | -0.5730% | 6,703 |
| Return on assets (ROA) | -0.5730% | 6,723 |
| Pretax return on assets | -1.0940% | 6,825 |
| Return on Equity (ROE) | -4.8239% | 6,686 |
| Retained earnings to average equity (ytd only) | -4.8239% | 6,352 |
| Net charge-offs to loans | 3.4712% | 90 |
| Credit loss provision to net charge-offs | 79.6791% | 2,158 |
| Earnings coverage of net charge-offs (x) | 0.1904% | 3,754 |
| Efficiency ratio | 88.0617% | 1,325 |
| Assets per employee ($millions) | 4.5126% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5021% | 1,113 |
| Loan loss allowance to noncurrent loans | 13.0770% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 13.2384% | 108 |
| Noncurrent loans to loans | 19.1335% | 29 |
| Net loans and leases to total assets | 49.2952% | 5,077 |
| Net loans and leases to deposits | 62.0169% | 4,541 |
| Net loans and leases to core deposits | 68.7809% | 4,212 |
| Total domestic deposits to total assets | 79.4867% | 5,875 |
| Equity capital to assets | 11.7276% | 2,234 |
| Core capital (leverage) ratio | 11.4124% | 1,938 |
| Tier 1 risk-based capital ratio | 17.6848% | 2,490 |
| Total risk-based capital ratio | 18.9442% | 2,454 |
| Memoranda: | ||
| Average total assets | $207,318,500 | 3,009 |
| Average earning assets | $191,954,000 | 2,988 |
| Average equity | $24,627,500 | 2,744 |
| Average total loans | $107,744,500 | 3,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 3,338 |
| Cost of funding earning assets | 0.8983% | 1,946 |
| Net interest margin | 3.6165% | 4,017 |
| Noninterest income to average assets | 0.1874% | 6,063 |
| Noninterest expense to average assets | 2.7303% | 4,287 |
| Loan and lease loss provision to assets | 0.4302% | 1,484 |
| Net operating income to assets | 0.0373% | 6,106 |
| Return on assets (ROA) | 0.0373% | 6,250 |
| Pretax return on assets | 0.3771% | 5,634 |
| Return on Equity (ROE) | 0.3179% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.3179% | 5,697 |
| Net charge-offs to loans | 0.7190% | 1,638 |
| Credit loss provision to net charge-offs | 105.0175% | 2,839 |
| Earnings coverage of net charge-offs (x) | 1.9708% | 4,434 |
| Efficiency ratio | 77.1788% | 2,567 |
| Assets per employee ($millions) | 4.3137% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 1,078 |
| Loan loss allowance to noncurrent loans | 18.0571% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 10.6168% | 197 |
| Noncurrent loans to loans | 14.1084% | 96 |
| Net loans and leases to total assets | 52.0243% | 4,923 |
| Net loans and leases to deposits | 65.7084% | 4,330 |
| Net loans and leases to core deposits | 73.0470% | 3,917 |
| Total domestic deposits to total assets | 79.1745% | 5,852 |
| Equity capital to assets | 12.0309% | 2,029 |
| Core capital (leverage) ratio | 11.6353% | 1,778 |
| Tier 1 risk-based capital ratio | 17.9487% | 2,272 |
| Total risk-based capital ratio | 19.2093% | 2,244 |
| Memoranda: | ||
| Average total assets | $209,205,200 | 2,935 |
| Average earning assets | $193,803,600 | 2,917 |
| Average equity | $24,532,200 | 2,705 |
| Average total loans | $119,192,600 | 3,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 3,446 |
| Cost of funding earning assets | 0.9356% | 1,952 |
| Net interest margin | 3.6095% | 4,198 |
| Noninterest income to average assets | 0.0839% | 6,676 |
| Noninterest expense to average assets | 2.7042% | 4,352 |
| Loan and lease loss provision to assets | 0.4291% | 1,484 |
| Net operating income to assets | 0.2664% | 5,728 |
| Return on assets (ROA) | 0.2664% | 5,926 |
| Pretax return on assets | 0.2956% | 5,963 |
| Return on Equity (ROE) | 2.2860% | 5,948 |
| Retained earnings to average equity (ytd only) | 2.2860% | 5,192 |
| Net charge-offs to loans | 0.8548% | 1,288 |
| Credit loss provision to net charge-offs | 86.7609% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.4653% | 4,553 |
| Efficiency ratio | 78.8654% | 2,250 |
| Assets per employee ($millions) | 4.1326% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2282% | 1,651 |
| Loan loss allowance to noncurrent loans | 16.9837% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 10.9894% | 191 |
| Noncurrent loans to loans | 13.1196% | 132 |
| Net loans and leases to total assets | 57.8572% | 4,160 |
| Net loans and leases to deposits | 73.6903% | 3,343 |
| Net loans and leases to core deposits | 83.0902% | 2,812 |
| Total domestic deposits to total assets | 78.5140% | 5,964 |
| Equity capital to assets | 12.5050% | 1,887 |
| Core capital (leverage) ratio | 11.8581% | 1,741 |
| Tier 1 risk-based capital ratio | 16.7903% | 2,848 |
| Total risk-based capital ratio | 18.0479% | 2,797 |
| Memoranda: | ||
| Average total assets | $209,741,750 | 2,964 |
| Average earning assets | $194,372,500 | 2,937 |
| Average equity | $24,437,500 | 2,738 |
| Average total loans | $121,356,500 | 3,091 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 3,730 |
| Cost of funding earning assets | 0.9712% | 1,926 |
| Net interest margin | 3.5372% | 4,514 |
| Noninterest income to average assets | 0.2715% | 5,634 |
| Noninterest expense to average assets | 2.7564% | 4,195 |
| Loan and lease loss provision to assets | 0.4242% | 1,536 |
| Net operating income to assets | 0.3196% | 5,546 |
| Return on assets (ROA) | 0.3196% | 5,751 |
| Pretax return on assets | 0.3733% | 5,774 |
| Return on Equity (ROE) | 2.8083% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.8083% | 4,757 |
| Net charge-offs to loans | 0.9256% | 1,193 |
| Credit loss provision to net charge-offs | 79.7872% | 3,325 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,240 |
| Efficiency ratio | 77.5597% | 2,513 |
| Assets per employee ($millions) | 4.0033% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2201% | 1,729 |
| Loan loss allowance to noncurrent loans | 15.5953% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 11.6345% | 193 |
| Noncurrent loans to loans | 14.2359% | 113 |
| Net loans and leases to total assets | 57.3589% | 4,271 |
| Net loans and leases to deposits | 72.3440% | 3,561 |
| Net loans and leases to core deposits | 81.3138% | 3,047 |
| Total domestic deposits to total assets | 79.2863% | 5,903 |
| Equity capital to assets | 12.0077% | 2,140 |
| Core capital (leverage) ratio | 11.4061% | 1,967 |
| Tier 1 risk-based capital ratio | 16.6419% | 2,835 |
| Total risk-based capital ratio | 17.8995% | 2,783 |
| Memoranda: | ||
| Average total assets | $212,157,330 | 2,950 |
| Average earning assets | $196,877,000 | 2,912 |
| Average equity | $24,142,670 | 2,757 |
| Average total loans | $121,866,000 | 3,093 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 4,362 |
| Cost of funding earning assets | 1.0085% | 1,929 |
| Net interest margin | 3.3823% | 5,189 |
| Noninterest income to average assets | 0.3275% | 5,245 |
| Noninterest expense to average assets | 2.8221% | 3,937 |
| Loan and lease loss provision to assets | 0.4164% | 1,513 |
| Net operating income to assets | 0.2424% | 5,848 |
| Return on assets (ROA) | 0.2424% | 5,993 |
| Pretax return on assets | 0.2295% | 6,134 |
| Return on Equity (ROE) | 2.1873% | 6,010 |
| Retained earnings to average equity (ytd only) | 2.1873% | 5,169 |
| Net charge-offs to loans | 1.3896% | 726 |
| Credit loss provision to net charge-offs | 52.6932% | 3,235 |
| Earnings coverage of net charge-offs (x) | 0.8173% | 3,923 |
| Efficiency ratio | 81.3767% | 2,025 |
| Assets per employee ($millions) | 4.2432% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 2,044 |
| Loan loss allowance to noncurrent loans | 14.8321% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 10.9607% | 247 |
| Noncurrent loans to loans | 14.3188% | 136 |
| Net loans and leases to total assets | 54.7534% | 4,593 |
| Net loans and leases to deposits | 67.6794% | 4,119 |
| Net loans and leases to core deposits | 76.3191% | 3,581 |
| Total domestic deposits to total assets | 80.9012% | 5,633 |
| Equity capital to assets | 11.0494% | 2,846 |
| Core capital (leverage) ratio | 10.9563% | 2,293 |
| Tier 1 risk-based capital ratio | 17.4765% | 2,488 |
| Total risk-based capital ratio | 18.7344% | 2,451 |
| Memoranda: | ||
| Average total assets | $216,151,500 | 2,931 |
| Average earning assets | $200,694,500 | 2,891 |
| Average equity | $23,956,000 | 2,768 |
| Average total loans | $122,915,000 | 3,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 4,013 |
| Cost of funding earning assets | 1.2560% | 1,696 |
| Net interest margin | 3.4979% | 5,152 |
| Noninterest income to average assets | 0.2385% | 5,829 |
| Noninterest expense to average assets | 2.6030% | 5,087 |
| Loan and lease loss provision to assets | 0.3727% | 2,757 |
| Net operating income to assets | 0.3971% | 4,879 |
| Return on assets (ROA) | 0.4771% | 4,727 |
| Pretax return on assets | 0.6392% | 4,557 |
| Return on Equity (ROE) | 4.4300% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.4300% | 3,019 |
| Net charge-offs to loans | 0.9027% | 1,921 |
| Credit loss provision to net charge-offs | 66.1704% | 4,991 |
| Earnings coverage of net charge-offs (x) | 1.6071% | 4,568 |
| Efficiency ratio | 74.1965% | 3,197 |
| Assets per employee ($millions) | 4.2334% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,762 |
| Loan loss allowance to noncurrent loans | 12.1778% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 13.4478% | 168 |
| Noncurrent loans to loans | 18.2501% | 71 |
| Net loans and leases to total assets | 56.5067% | 4,623 |
| Net loans and leases to deposits | 69.8914% | 4,120 |
| Net loans and leases to core deposits | 78.6466% | 3,608 |
| Total domestic deposits to total assets | 80.8492% | 5,493 |
| Equity capital to assets | 11.1166% | 2,874 |
| Core capital (leverage) ratio | 11.0368% | 2,247 |
| Tier 1 risk-based capital ratio | 17.0182% | 2,596 |
| Total risk-based capital ratio | 18.2773% | 2,543 |
| Memoranda: | ||
| Average total assets | $214,637,200 | 2,897 |
| Average earning assets | $200,634,800 | 2,844 |
| Average equity | $23,115,200 | 2,769 |
| Average total loans | $133,935,200 | 2,923 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 3,755 |
| Cost of funding earning assets | 1.3190% | 1,599 |
| Net interest margin | 3.5372% | 5,034 |
| Noninterest income to average assets | 0.2358% | 5,936 |
| Noninterest expense to average assets | 2.5214% | 5,394 |
| Loan and lease loss provision to assets | 0.2799% | 3,280 |
| Net operating income to assets | 0.5457% | 4,339 |
| Return on assets (ROA) | 0.5562% | 4,463 |
| Pretax return on assets | 0.7602% | 4,279 |
| Return on Equity (ROE) | 5.2065% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.2065% | 3,055 |
| Net charge-offs to loans | 0.5148% | 2,701 |
| Credit loss provision to net charge-offs | 85.5513% | 3,942 |
| Earnings coverage of net charge-offs (x) | 3.1350% | 3,566 |
| Efficiency ratio | 71.0803% | 3,726 |
| Assets per employee ($millions) | 4.2297% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4039% | 1,533 |
| Loan loss allowance to noncurrent loans | 14.3550% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 13.0599% | 192 |
| Noncurrent loans to loans | 16.7459% | 95 |
| Net loans and leases to total assets | 59.6264% | 4,204 |
| Net loans and leases to deposits | 74.3027% | 3,614 |
| Net loans and leases to core deposits | 83.8132% | 3,090 |
| Total domestic deposits to total assets | 80.2480% | 5,657 |
| Equity capital to assets | 11.3203% | 2,843 |
| Core capital (leverage) ratio | 11.0603% | 2,338 |
| Tier 1 risk-based capital ratio | 17.1745% | 2,577 |
| Total risk-based capital ratio | 18.4369% | 2,537 |
| Memoranda: | ||
| Average total assets | $214,321,000 | 2,907 |
| Average earning assets | $200,645,250 | 2,851 |
| Average equity | $22,893,750 | 2,791 |
| Average total loans | $136,226,000 | 2,902 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 3,709 |
| Cost of funding earning assets | 1.3445% | 1,680 |
| Net interest margin | 3.5351% | 4,995 |
| Noninterest income to average assets | 0.2378% | 5,952 |
| Noninterest expense to average assets | 2.5531% | 5,343 |
| Loan and lease loss provision to assets | 0.2787% | 3,149 |
| Net operating income to assets | 0.5342% | 4,356 |
| Return on assets (ROA) | 0.5500% | 4,442 |
| Pretax return on assets | 0.7423% | 4,239 |
| Return on Equity (ROE) | 5.2518% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.2518% | 2,840 |
| Net charge-offs to loans | 0.6495% | 2,222 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 2.3911% | 3,623 |
| Efficiency ratio | 71.8619% | 3,765 |
| Assets per employee ($millions) | 4.2722% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 1,773 |
| Loan loss allowance to noncurrent loans | 13.5490% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 13.2916% | 200 |
| Noncurrent loans to loans | 16.8523% | 102 |
| Net loans and leases to total assets | 60.7451% | 4,136 |
| Net loans and leases to deposits | 75.2625% | 3,605 |
| Net loans and leases to core deposits | 84.5466% | 3,129 |
| Total domestic deposits to total assets | 80.7110% | 5,622 |
| Equity capital to assets | 10.9789% | 2,983 |
| Core capital (leverage) ratio | 10.8642% | 2,360 |
| Tier 1 risk-based capital ratio | 16.3565% | 2,804 |
| Total risk-based capital ratio | 17.6175% | 2,765 |
| Memoranda: | ||
| Average total assets | $215,265,670 | 2,907 |
| Average earning assets | $201,859,000 | 2,850 |
| Average equity | $22,544,670 | 2,809 |
| Average total loans | $138,565,330 | 2,873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 3,755 |
| Cost of funding earning assets | 1.3851% | 1,692 |
| Net interest margin | 3.4785% | 5,105 |
| Noninterest income to average assets | 0.2388% | 5,997 |
| Noninterest expense to average assets | 2.4434% | 5,756 |
| Loan and lease loss provision to assets | 0.2777% | 2,934 |
| Net operating income to assets | 0.5979% | 4,037 |
| Return on assets (ROA) | 0.5979% | 4,105 |
| Pretax return on assets | 0.7997% | 3,900 |
| Return on Equity (ROE) | 5.8485% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.8485% | 2,726 |
| Net charge-offs to loans | 0.2488% | 3,092 |
| Credit loss provision to net charge-offs | 170.4545% | 1,692 |
| Earnings coverage of net charge-offs (x) | 6.6136% | 2,071 |
| Efficiency ratio | 69.4006% | 4,397 |
| Assets per employee ($millions) | 4.2648% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 1,741 |
| Loan loss allowance to noncurrent loans | 12.5082% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 13.3473% | 199 |
| Noncurrent loans to loans | 18.4900% | 81 |
| Net loans and leases to total assets | 64.2564% | 3,393 |
| Net loans and leases to deposits | 79.1069% | 2,869 |
| Net loans and leases to core deposits | 89.5451% | 2,402 |
| Total domestic deposits to total assets | 81.2273% | 5,599 |
| Equity capital to assets | 10.4675% | 3,215 |
| Core capital (leverage) ratio | 10.6397% | 2,481 |
| Tier 1 risk-based capital ratio | 15.7554% | 3,021 |
| Total risk-based capital ratio | 17.0174% | 2,976 |
| Memoranda: | ||
| Average total assets | $216,094,000 | 2,922 |
| Average earning assets | $203,879,500 | 2,848 |
| Average equity | $22,091,000 | 2,855 |
| Average total loans | $141,453,500 | 2,860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 4,669 |
| Cost of funding earning assets | 1.6691% | 1,732 |
| Net interest margin | 3.3074% | 5,958 |
| Noninterest income to average assets | 0.2757% | 5,812 |
| Noninterest expense to average assets | 2.5552% | 5,599 |
| Loan and lease loss provision to assets | 0.4404% | 3,476 |
| Net operating income to assets | 0.3408% | 4,786 |
| Return on assets (ROA) | 0.3408% | 4,946 |
| Pretax return on assets | 0.4289% | 4,854 |
| Return on Equity (ROE) | 3.3426% | 4,808 |
| Retained earnings to average equity (ytd only) | 3.3426% | 3,527 |
| Net charge-offs to loans | 0.3600% | 4,217 |
| Credit loss provision to net charge-offs | 183.5564% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.6233% | 3,272 |
| Efficiency ratio | 74.6149% | 3,272 |
| Assets per employee ($millions) | 4.2931% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 1,817 |
| Loan loss allowance to noncurrent loans | 13.6303% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 11.8499% | 286 |
| Noncurrent loans to loans | 16.3661% | 121 |
| Net loans and leases to total assets | 63.6958% | 3,938 |
| Net loans and leases to deposits | 77.6235% | 3,573 |
| Net loans and leases to core deposits | 85.3650% | 3,421 |
| Total domestic deposits to total assets | 82.0573% | 5,170 |
| Equity capital to assets | 9.9846% | 3,755 |
| Core capital (leverage) ratio | 10.5519% | 2,505 |
| Tier 1 risk-based capital ratio | 15.4277% | 3,030 |
| Total risk-based capital ratio | 16.6893% | 2,985 |
| Memoranda: | ||
| Average total assets | $217,990,600 | 2,895 |
| Average earning assets | $207,534,000 | 2,778 |
| Average equity | $22,228,400 | 2,854 |
| Average total loans | $145,281,400 | 2,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 5,044 |
| Cost of funding earning assets | 1.7353% | 1,698 |
| Net interest margin | 3.2138% | 6,296 |
| Noninterest income to average assets | 0.3184% | 5,604 |
| Noninterest expense to average assets | 2.5417% | 5,558 |
| Loan and lease loss provision to assets | 0.5388% | 2,781 |
| Net operating income to assets | 0.2645% | 5,301 |
| Return on assets (ROA) | 0.2645% | 5,462 |
| Pretax return on assets | 0.3043% | 5,497 |
| Return on Equity (ROE) | 2.5806% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.5806% | 4,613 |
| Net charge-offs to loans | 0.2110% | 4,673 |
| Credit loss provision to net charge-offs | 380.9524% | 813 |
| Earnings coverage of net charge-offs (x) | 5.9611% | 2,625 |
| Efficiency ratio | 75.0904% | 3,131 |
| Assets per employee ($millions) | 4.0412% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 1,560 |
| Loan loss allowance to noncurrent loans | 14.2857% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 11.6816% | 293 |
| Noncurrent loans to loans | 16.4047% | 132 |
| Net loans and leases to total assets | 67.2823% | 3,386 |
| Net loans and leases to deposits | 83.4227% | 2,806 |
| Net loans and leases to core deposits | 89.6632% | 3,147 |
| Total domestic deposits to total assets | 80.6522% | 5,499 |
| Equity capital to assets | 10.8735% | 3,084 |
| Core capital (leverage) ratio | 10.3135% | 2,897 |
| Tier 1 risk-based capital ratio | 15.2977% | 3,102 |
| Total risk-based capital ratio | 16.5613% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,751,500 | 2,947 |
| Average earning assets | $207,763,250 | 2,815 |
| Average equity | $22,320,250 | 2,887 |
| Average total loans | $145,941,250 | 2,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 5,095 |
| Cost of funding earning assets | 1.7971% | 1,650 |
| Net interest margin | 3.1706% | 6,402 |
| Noninterest income to average assets | 0.3241% | 5,561 |
| Noninterest expense to average assets | 2.5158% | 5,662 |
| Loan and lease loss provision to assets | 0.5538% | 2,560 |
| Net operating income to assets | 0.2560% | 5,352 |
| Return on assets (ROA) | 0.2560% | 5,494 |
| Pretax return on assets | 0.2787% | 5,568 |
| Return on Equity (ROE) | 2.5470% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.5470% | 4,531 |
| Net charge-offs to loans | 0.3048% | 3,790 |
| Credit loss provision to net charge-offs | 273.5426% | 1,366 |
| Earnings coverage of net charge-offs (x) | 4.1121% | 3,051 |
| Efficiency ratio | 75.1356% | 3,237 |
| Assets per employee ($millions) | 4.4212% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1522% | 1,861 |
| Loan loss allowance to noncurrent loans | 13.8210% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 10.5816% | 355 |
| Noncurrent loans to loans | 15.5719% | 152 |
| Net loans and leases to total assets | 64.3932% | 4,178 |
| Net loans and leases to deposits | 78.6563% | 3,856 |
| Net loans and leases to core deposits | 87.3526% | 3,642 |
| Total domestic deposits to total assets | 81.8666% | 5,045 |
| Equity capital to assets | 10.1867% | 3,787 |
| Core capital (leverage) ratio | 9.8189% | 3,376 |
| Tier 1 risk-based capital ratio | 14.8729% | 3,224 |
| Total risk-based capital ratio | 16.1332% | 3,189 |
| Memoranda: | ||
| Average total assets | $220,287,670 | 2,934 |
| Average earning assets | $210,118,000 | 2,814 |
| Average equity | $22,143,670 | 2,907 |
| Average total loans | $146,327,670 | 2,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 4,298 |
| Cost of funding earning assets | 1.8636% | 1,592 |
| Net interest margin | 3.2861% | 6,021 |
| Noninterest income to average assets | 0.3365% | 5,449 |
| Noninterest expense to average assets | 2.4793% | 5,807 |
| Loan and lease loss provision to assets | 0.0546% | 6,112 |
| Net operating income to assets | 0.6858% | 3,499 |
| Return on assets (ROA) | 0.6858% | 3,615 |
| Pretax return on assets | 0.9331% | 3,333 |
| Return on Equity (ROE) | 6.8683% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.8683% | 2,187 |
| Net charge-offs to loans | -0.0136% | 6,969 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5110% | 4,024 |
| Assets per employee ($millions) | 4.4491% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,481 |
| Loan loss allowance to noncurrent loans | 21.2473% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 6.0493% | 989 |
| Noncurrent loans to loans | 8.8900% | 550 |
| Net loans and leases to total assets | 64.9096% | 4,118 |
| Net loans and leases to deposits | 79.0747% | 3,825 |
| Net loans and leases to core deposits | 90.4601% | 3,305 |
| Total domestic deposits to total assets | 82.0864% | 5,043 |
| Equity capital to assets | 10.0028% | 3,873 |
| Core capital (leverage) ratio | 10.0916% | 3,051 |
| Tier 1 risk-based capital ratio | 14.7066% | 3,254 |
| Total risk-based capital ratio | 15.9640% | 3,217 |
| Memoranda: | ||
| Average total assets | $219,900,500 | 2,989 |
| Average earning assets | $209,489,000 | 2,881 |
| Average equity | $21,956,000 | 2,952 |
| Average total loans | $146,751,500 | 2,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 3,243 |
| Cost of funding earning assets | 2.2335% | 1,886 |
| Net interest margin | 3.4383% | 5,226 |
| Noninterest income to average assets | 0.3282% | 5,732 |
| Noninterest expense to average assets | 2.7090% | 5,349 |
| Loan and lease loss provision to assets | 0.6844% | 3,088 |
| Net operating income to assets | 0.1316% | 5,106 |
| Return on assets (ROA) | 0.4352% | 4,106 |
| Pretax return on assets | 0.5653% | 4,002 |
| Return on Equity (ROE) | 4.7943% | 3,758 |
| Retained earnings to average equity (ytd only) | 1.9273% | 3,748 |
| Net charge-offs to loans | 1.0580% | 2,295 |
| Credit loss provision to net charge-offs | 91.6129% | 5,948 |
| Earnings coverage of net charge-offs (x) | 1.1452% | 4,975 |
| Efficiency ratio | 76.0005% | 3,528 |
| Assets per employee ($millions) | 4.4356% | 3,039 |
| Cash dividends to net income (ytd only)* | 59.8007% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 2,329 |
| Loan loss allowance to noncurrent loans | 43.3034% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.0887% | 2,246 |
| Noncurrent loans to loans | 4.3321% | 1,661 |
| Net loans and leases to total assets | 66.0621% | 4,134 |
| Net loans and leases to deposits | 80.4954% | 3,892 |
| Net loans and leases to core deposits | 114.4335% | 2,466 |
| Total domestic deposits to total assets | 82.0694% | 4,915 |
| Equity capital to assets | 9.9658% | 3,805 |
| Core capital (leverage) ratio | 10.2284% | 2,852 |
| Tier 1 risk-based capital ratio | 14.7793% | 3,059 |
| Total risk-based capital ratio | 16.0365% | 3,006 |
| Memoranda: | ||
| Average total assets | $207,489,800 | 3,088 |
| Average earning assets | $195,302,400 | 3,030 |
| Average equity | $18,835,000 | 3,366 |
| Average total loans | $146,504,800 | 2,977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 3,299 |
| Cost of funding earning assets | 2.3512% | 1,802 |
| Net interest margin | 3.3572% | 5,421 |
| Noninterest income to average assets | 0.3063% | 6,029 |
| Noninterest expense to average assets | 2.8093% | 4,854 |
| Loan and lease loss provision to assets | 0.7088% | 2,606 |
| Net operating income to assets | -0.0445% | 5,792 |
| Return on assets (ROA) | 0.3811% | 4,579 |
| Pretax return on assets | 0.4734% | 4,601 |
| Return on Equity (ROE) | 4.3098% | 4,245 |
| Retained earnings to average equity (ytd only) | 0.3383% | 5,059 |
| Net charge-offs to loans | 1.2255% | 1,672 |
| Credit loss provision to net charge-offs | 80.9206% | 5,740 |
| Earnings coverage of net charge-offs (x) | 0.7424% | 5,299 |
| Efficiency ratio | 81.2030% | 2,688 |
| Assets per employee ($millions) | 4.1238% | 3,521 |
| Cash dividends to net income (ytd only)* | 92.1504% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 2,529 |
| Loan loss allowance to noncurrent loans | 67.4221% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 3,289 |
| Noncurrent loans to loans | 2.5613% | 2,946 |
| Net loans and leases to total assets | 70.8403% | 3,309 |
| Net loans and leases to deposits | 87.3271% | 3,085 |
| Net loans and leases to core deposits | 127.1274% | 1,645 |
| Total domestic deposits to total assets | 81.1206% | 5,029 |
| Equity capital to assets | 10.3536% | 3,676 |
| Core capital (leverage) ratio | 10.2419% | 3,024 |
| Tier 1 risk-based capital ratio | 14.0772% | 3,503 |
| Total risk-based capital ratio | 15.3331% | 3,440 |
| Memoranda: | ||
| Average total assets | $205,026,250 | 3,147 |
| Average earning assets | $192,575,000 | 3,084 |
| Average equity | $18,128,750 | 3,511 |
| Average total loans | $146,549,250 | 3,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 3,789 |
| Cost of funding earning assets | 2.3807% | 2,045 |
| Net interest margin | 3.2756% | 5,638 |
| Noninterest income to average assets | 0.3473% | 5,726 |
| Noninterest expense to average assets | 2.9233% | 4,417 |
| Loan and lease loss provision to assets | 1.0430% | 1,628 |
| Net operating income to assets | -0.5294% | 6,579 |
| Return on assets (ROA) | 0.1929% | 5,364 |
| Pretax return on assets | 0.1643% | 5,547 |
| Return on Equity (ROE) | 2.3177% | 5,173 |
| Retained earnings to average equity (ytd only) | -4.0678% | 6,149 |
| Net charge-offs to loans | 0.1339% | 4,822 |
| Credit loss provision to net charge-offs | 1,092.7835% | 452 |
| Earnings coverage of net charge-offs (x) | 5.0825% | 2,922 |
| Efficiency ratio | 85.7679% | 2,249 |
| Assets per employee ($millions) | 4.0303% | 3,622 |
| Cash dividends to net income (ytd only)* | 275.5102% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5067% | 891 |
| Loan loss allowance to noncurrent loans | 65.4443% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.0982% | 2,027 |
| Noncurrent loans to loans | 3.8303% | 1,780 |
| Net loans and leases to total assets | 71.2073% | 3,421 |
| Net loans and leases to deposits | 85.5110% | 3,644 |
| Net loans and leases to core deposits | 124.3890% | 1,988 |
| Total domestic deposits to total assets | 83.2727% | 4,115 |
| Equity capital to assets | 7.8388% | 6,930 |
| Core capital (leverage) ratio | 7.8152% | 6,593 |
| Tier 1 risk-based capital ratio | 10.6449% | 6,237 |
| Total risk-based capital ratio | 11.9101% | 6,159 |
| Memoranda: | ||
| Average total assets | $203,263,670 | 3,188 |
| Average earning assets | $189,948,000 | 3,141 |
| Average equity | $16,913,330 | 3,729 |
| Average total loans | $144,864,000 | 3,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 3,732 |
| Cost of funding earning assets | 2.4218% | 2,199 |
| Net interest margin | 3.2916% | 5,524 |
| Noninterest income to average assets | 0.3658% | 5,506 |
| Noninterest expense to average assets | 2.5226% | 5,753 |
| Loan and lease loss provision to assets | 0.0600% | 6,208 |
| Net operating income to assets | 0.5943% | 4,038 |
| Return on assets (ROA) | 1.2073% | 1,752 |
| Pretax return on assets | 1.7710% | 1,038 |
| Return on Equity (ROE) | 14.0825% | 1,150 |
| Retained earnings to average equity (ytd only) | 1.4922% | 5,014 |
| Net charge-offs to loans | 0.0341% | 5,040 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 38.7500% | 875 |
| Efficiency ratio | 73.0747% | 3,996 |
| Assets per employee ($millions) | 3.9293% | 3,811 |
| Cash dividends to net income (ytd only)* | 89.4040% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 1,380 |
| Loan loss allowance to noncurrent loans | 56.8396% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 2.6992% | 2,110 |
| Noncurrent loans to loans | 3.5463% | 1,786 |
| Net loans and leases to total assets | 70.1524% | 3,637 |
| Net loans and leases to deposits | 88.1585% | 3,264 |
| Net loans and leases to core deposits | 134.5089% | 1,386 |
| Total domestic deposits to total assets | 79.5753% | 5,514 |
| Equity capital to assets | 8.5686% | 5,960 |
| Core capital (leverage) ratio | 8.2299% | 6,038 |
| Tier 1 risk-based capital ratio | 11.7387% | 5,179 |
| Total risk-based capital ratio | 12.9980% | 5,097 |
| Memoranda: | ||
| Average total assets | $200,108,500 | 3,245 |
| Average earning assets | $187,630,000 | 3,191 |
| Average equity | $17,156,000 | 3,706 |
| Average total loans | $140,761,500 | 3,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3630% | 3,622 |
| Cost of funding earning assets | 2.7182% | 3,073 |
| Net interest margin | 3.6449% | 4,699 |
| Noninterest income to average assets | 0.3531% | 5,906 |
| Noninterest expense to average assets | 2.6275% | 5,545 |
| Loan and lease loss provision to assets | 0.5493% | 2,624 |
| Net operating income to assets | 0.4909% | 4,780 |
| Return on assets (ROA) | 0.5336% | 4,453 |
| Pretax return on assets | 0.6636% | 4,508 |
| Return on Equity (ROE) | 6.3976% | 3,799 |
| Retained earnings to average equity (ytd only) | -0.4881% | 5,434 |
| Net charge-offs to loans | 0.2047% | 4,158 |
| Credit loss provision to net charge-offs | 417.9104% | 1,045 |
| Earnings coverage of net charge-offs (x) | 8.8209% | 2,816 |
| Efficiency ratio | 69.3822% | 4,462 |
| Assets per employee ($millions) | 3.8427% | 3,873 |
| Cash dividends to net income (ytd only)* | 107.6287% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 1,100 |
| Loan loss allowance to noncurrent loans | 143.4848% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 3,921 |
| Noncurrent loans to loans | 1.4509% | 3,626 |
| Net loans and leases to total assets | 67.6477% | 4,526 |
| Net loans and leases to deposits | 86.9779% | 3,953 |
| Net loans and leases to core deposits | 124.6381% | 2,280 |
| Total domestic deposits to total assets | 77.7757% | 5,783 |
| Equity capital to assets | 8.5781% | 5,968 |
| Core capital (leverage) ratio | 8.3115% | 5,928 |
| Tier 1 risk-based capital ratio | 11.8426% | 4,950 |
| Total risk-based capital ratio | 13.1018% | 4,846 |
| Memoranda: | ||
| Average total assets | $203,883,800 | 3,091 |
| Average earning assets | $192,078,800 | 3,007 |
| Average equity | $17,006,400 | 3,740 |
| Average total loans | $130,892,800 | 3,254 |