Home > Merchants and Manufacturers Bank > Performance and Condition Ratios
Merchants and Manufacturers 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 | 6.9554% | 235 |
| Cost of funding earning assets | 2.0871% | 798 |
| Net interest margin | 4.8683% | 381 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.7936% | 1,517 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5708% | 907 |
| Return on assets (ROA) | 1.5708% | 873 |
| Pretax return on assets | 2.1027% | 566 |
| Return on Equity (ROE) | 18.8800% | 721 |
| Retained earnings to average equity (ytd only) | 15.0326% | 325 |
| Net charge-offs to loans | 0.0010% | 2,840 |
| Credit loss provision to net charge-offs | 8,825.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 2,471.2500% | 60 |
| Efficiency ratio | 56.1621% | 3,482 |
| Assets per employee ($millions) | 9.5583% | 809 |
| Cash dividends to net income (ytd only)* | 20.3623% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,308 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 85.0800% | 203 |
| Net loans and leases to deposits | 102.3835% | 420 |
| Net loans and leases to core deposits | 125.0863% | 508 |
| Total domestic deposits to total assets | 83.1000% | 2,867 |
| Equity capital to assets | 8.3348% | 3,167 |
| Core capital (leverage) ratio | 9.0402% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8801% | 2,831 |
| Memoranda: | ||
| Average total assets | $453,325,800 | 1,846 |
| Average earning assets | $437,315,400 | 1,783 |
| Average equity | $37,724,800 | 1,951 |
| Average total loans | $397,870,600 | 1,479 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9092% | 212 |
| Cost of funding earning assets | 1.9465% | 790 |
| Net interest margin | 4.9627% | 322 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.8132% | 1,406 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5632% | 997 |
| Return on assets (ROA) | 1.5632% | 993 |
| Pretax return on assets | 2.1505% | 598 |
| Return on Equity (ROE) | 18.7900% | 846 |
| Retained earnings to average equity (ytd only) | 15.0092% | 552 |
| Net charge-offs to loans | 0.0010% | 2,594 |
| Credit loss provision to net charge-offs | 10,633.3333% | 47 |
| Earnings coverage of net charge-offs (x) | 2,497.6667% | 54 |
| Efficiency ratio | 55.6049% | 3,433 |
| Assets per employee ($millions) | 8.9266% | 956 |
| Cash dividends to net income (ytd only)* | 20.1342% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 3,243 |
| Loan loss allowance to noncurrent loans | 571.2517% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 2,554 |
| Noncurrent loans to loans | 0.1791% | 2,652 |
| Net loans and leases to total assets | 84.9300% | 219 |
| Net loans and leases to deposits | 100.7386% | 480 |
| Net loans and leases to core deposits | 126.2647% | 410 |
| Total domestic deposits to total assets | 84.3100% | 2,683 |
| Equity capital to assets | 8.2237% | 2,902 |
| Core capital (leverage) ratio | 9.0196% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8882% | 2,843 |
| Memoranda: | ||
| Average total assets | $444,789,250 | 1,875 |
| Average earning assets | $429,059,000 | 1,809 |
| Average equity | $36,998,500 | 1,962 |
| Average total loans | $392,606,750 | 1,484 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8410% | 195 |
| Cost of funding earning assets | 1.7374% | 833 |
| Net interest margin | 5.1036% | 270 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.8933% | 1,225 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.6010% | 950 |
| Return on assets (ROA) | 1.6010% | 949 |
| Pretax return on assets | 2.2010% | 534 |
| Return on Equity (ROE) | 19.1700% | 810 |
| Retained earnings to average equity (ytd only) | 15.8681% | 486 |
| Net charge-offs to loans | 0.0005% | 2,432 |
| Credit loss provision to net charge-offs | 26,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 5,056.0000% | 16 |
| Efficiency ratio | 55.4694% | 3,480 |
| Assets per employee ($millions) | 8.3306% | 1,169 |
| Cash dividends to net income (ytd only)* | 17.2166% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,297 |
| Loan loss allowance to noncurrent loans | 564.0990% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,425 |
| Noncurrent loans to loans | 0.1825% | 2,562 |
| Net loans and leases to total assets | 87.6400% | 91 |
| Net loans and leases to deposits | 108.8046% | 228 |
| Net loans and leases to core deposits | 129.3669% | 340 |
| Total domestic deposits to total assets | 80.5500% | 3,491 |
| Equity capital to assets | 8.3861% | 2,960 |
| Core capital (leverage) ratio | 9.0055% | 3,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7601% | 2,877 |
| Memoranda: | ||
| Average total assets | $435,349,333 | 1,898 |
| Average earning assets | $419,937,000 | 1,841 |
| Average equity | $36,362,333 | 2,004 |
| Average total loans | $388,157,333 | 1,486 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6818% | 152 |
| Cost of funding earning assets | 1.3484% | 1,136 |
| Net interest margin | 5.3334% | 189 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.9367% | 1,165 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.7024% | 816 |
| Return on assets (ROA) | 1.7024% | 811 |
| Pretax return on assets | 2.3350% | 455 |
| Return on Equity (ROE) | 20.4300% | 712 |
| Retained earnings to average equity (ytd only) | 17.0623% | 591 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.0127% | 3,602 |
| Assets per employee ($millions) | 8.4512% | 1,146 |
| Cash dividends to net income (ytd only)* | 16.4654% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,437 |
| Loan loss allowance to noncurrent loans | 517.9355% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,274 |
| Noncurrent loans to loans | 0.1968% | 2,491 |
| Net loans and leases to total assets | 88.6800% | 54 |
| Net loans and leases to deposits | 111.9937% | 153 |
| Net loans and leases to core deposits | 123.8580% | 366 |
| Total domestic deposits to total assets | 79.1800% | 3,880 |
| Equity capital to assets | 8.2979% | 3,040 |
| Core capital (leverage) ratio | 9.0152% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5299% | 2,998 |
| Memoranda: | ||
| Average total assets | $428,097,500 | 1,948 |
| Average earning assets | $412,945,500 | 1,893 |
| Average equity | $35,681,000 | 2,054 |
| Average total loans | $383,055,000 | 1,517 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 252 |
| Cost of funding earning assets | 0.4251% | 1,903 |
| Net interest margin | 4.6853% | 210 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.1782% | 747 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0860% | 2,233 |
| Return on assets (ROA) | 1.0860% | 2,175 |
| Pretax return on assets | 1.4907% | 1,481 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.5493% | 994 |
| Net charge-offs to loans | 0.0012% | 2,528 |
| Credit loss provision to net charge-offs | 13,875.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 1,552.5000% | 113 |
| Efficiency ratio | 66.0043% | 2,227 |
| Assets per employee ($millions) | 8.3347% | 1,173 |
| Cash dividends to net income (ytd only)* | 20.0243% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,200 |
| Loan loss allowance to noncurrent loans | 565.0957% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,399 |
| Noncurrent loans to loans | 0.1823% | 2,576 |
| Net loans and leases to total assets | 88.4400% | 60 |
| Net loans and leases to deposits | 107.7096% | 201 |
| Net loans and leases to core deposits | 125.6815% | 283 |
| Total domestic deposits to total assets | 82.1100% | 3,608 |
| Equity capital to assets | 8.3737% | 2,790 |
| Core capital (leverage) ratio | 9.0391% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6137% | 3,018 |
| Memoranda: | ||
| Average total assets | $379,360,200 | 2,106 |
| Average earning assets | $366,249,200 | 2,045 |
| Average equity | $31,234,200 | 2,285 |
| Average total loans | $337,005,000 | 1,583 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 361 |
| Cost of funding earning assets | 0.2750% | 2,433 |
| Net interest margin | 4.4115% | 274 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.1317% | 744 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9841% | 2,531 |
| Return on assets (ROA) | 0.9841% | 2,508 |
| Pretax return on assets | 1.3538% | 1,871 |
| Return on Equity (ROE) | 12.0100% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.3713% | 1,529 |
| Net charge-offs to loans | 0.0012% | 2,275 |
| Credit loss provision to net charge-offs | 6,800.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,320.3333% | 101 |
| Efficiency ratio | 68.6927% | 1,929 |
| Assets per employee ($millions) | 7.4126% | 1,667 |
| Cash dividends to net income (ytd only)* | 21.9700% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,363 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 87.3400% | 79 |
| Net loans and leases to deposits | 108.4662% | 142 |
| Net loans and leases to core deposits | 118.6747% | 285 |
| Total domestic deposits to total assets | 80.5200% | 4,052 |
| Equity capital to assets | 8.1088% | 2,831 |
| Core capital (leverage) ratio | 8.7103% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5922% | 3,093 |
| Memoranda: | ||
| Average total assets | $370,017,000 | 2,153 |
| Average earning assets | $357,301,750 | 2,087 |
| Average equity | $30,318,750 | 2,352 |
| Average total loans | $328,159,250 | 1,607 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 459 |
| Cost of funding earning assets | 0.2212% | 2,636 |
| Net interest margin | 4.1527% | 368 |
| Noninterest income to average assets | 0.2872% | 3,459 |
| Noninterest expense to average assets | 3.1403% | 685 |
| Loan and lease loss provision to assets | 0.0296% | 2,057 |
| Net operating income to assets | 0.8228% | 2,874 |
| Return on assets (ROA) | 0.8228% | 2,847 |
| Pretax return on assets | 1.1303% | 2,304 |
| Return on Equity (ROE) | 10.0046% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.0050% | 1,615 |
| Net charge-offs to loans | 0.0012% | 2,095 |
| Credit loss provision to net charge-offs | 2,700.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 1,058.0000% | 122 |
| Efficiency ratio | 73.0274% | 1,625 |
| Assets per employee ($millions) | 7.4626% | 1,638 |
| Cash dividends to net income (ytd only)* | 19.9867% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 86.3511% | 78 |
| Net loans and leases to deposits | 104.0445% | 166 |
| Net loans and leases to core deposits | 109.1755% | 364 |
| Total domestic deposits to total assets | 82.9944% | 3,876 |
| Equity capital to assets | 8.1763% | 2,986 |
| Core capital (leverage) ratio | 8.3931% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7512% | 3,046 |
| Memoranda: | ||
| Average total assets | $364,870,667 | 2,181 |
| Average earning assets | $352,593,000 | 2,130 |
| Average equity | $30,006,333 | 2,420 |
| Average total loans | $324,169,667 | 1,619 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 519 |
| Cost of funding earning assets | 0.1891% | 2,963 |
| Net interest margin | 4.0083% | 413 |
| Noninterest income to average assets | 0.2772% | 3,480 |
| Noninterest expense to average assets | 3.1646% | 633 |
| Loan and lease loss provision to assets | 0.0044% | 2,227 |
| Net operating income to assets | 0.7196% | 2,983 |
| Return on assets (ROA) | 0.7196% | 2,973 |
| Pretax return on assets | 0.9857% | 2,482 |
| Return on Equity (ROE) | 8.7244% | 2,423 |
| Retained earnings to average equity (ytd only) | 6.7080% | 1,993 |
| Net charge-offs to loans | 0.0012% | 1,796 |
| Credit loss provision to net charge-offs | 400.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 101 |
| Efficiency ratio | 76.1676% | 1,505 |
| Assets per employee ($millions) | 7.5301% | 1,659 |
| Cash dividends to net income (ytd only)* | 23.1125% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 89.1607% | 21 |
| Net loans and leases to deposits | 107.8866% | 81 |
| Net loans and leases to core deposits | 114.9874% | 186 |
| Total domestic deposits to total assets | 82.6430% | 3,989 |
| Equity capital to assets | 8.2790% | 3,342 |
| Core capital (leverage) ratio | 8.3925% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5451% | 3,081 |
| Memoranda: | ||
| Average total assets | $360,741,500 | 2,204 |
| Average earning assets | $348,979,000 | 2,153 |
| Average equity | $29,755,500 | 2,494 |
| Average total loans | $323,485,000 | 1,607 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 496 |
| Cost of funding earning assets | 0.2297% | 3,138 |
| Net interest margin | 4.3853% | 348 |
| Noninterest income to average assets | 0.2506% | 3,867 |
| Noninterest expense to average assets | 2.8746% | 1,208 |
| Loan and lease loss provision to assets | 0.0443% | 2,171 |
| Net operating income to assets | 1.1533% | 2,089 |
| Return on assets (ROA) | 1.1533% | 2,151 |
| Pretax return on assets | 1.5813% | 1,479 |
| Return on Equity (ROE) | 14.7218% | 1,016 |
| Retained earnings to average equity (ytd only) | 12.5332% | 464 |
| Net charge-offs to loans | 0.0019% | 2,578 |
| Credit loss provision to net charge-offs | 2,583.3333% | 256 |
| Earnings coverage of net charge-offs (x) | 948.1667% | 154 |
| Efficiency ratio | 63.8771% | 2,585 |
| Assets per employee ($millions) | 7.6604% | 1,522 |
| Cash dividends to net income (ytd only)* | 14.8662% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 88.3596% | 28 |
| Net loans and leases to deposits | 103.1410% | 139 |
| Net loans and leases to core deposits | 115.3753% | 213 |
| Total domestic deposits to total assets | 85.6688% | 3,026 |
| Equity capital to assets | 8.2177% | 4,223 |
| Core capital (leverage) ratio | 8.4959% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5576% | 3,076 |
| Memoranda: | ||
| Average total assets | $349,958,600 | 2,195 |
| Average earning assets | $339,136,400 | 2,134 |
| Average equity | $27,415,200 | 2,689 |
| Average total loans | $311,775,000 | 1,658 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 592 |
| Cost of funding earning assets | 0.2431% | 3,183 |
| Net interest margin | 4.3360% | 419 |
| Noninterest income to average assets | 0.2437% | 3,935 |
| Noninterest expense to average assets | 2.7956% | 1,351 |
| Loan and lease loss provision to assets | 0.0596% | 1,801 |
| Net operating income to assets | 1.1386% | 2,409 |
| Return on assets (ROA) | 1.1386% | 2,471 |
| Pretax return on assets | 1.5906% | 1,734 |
| Return on Equity (ROE) | 14.7211% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.4884% | 726 |
| Net charge-offs to loans | 0.0013% | 2,380 |
| Credit loss provision to net charge-offs | 5,166.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 1,433.3333% | 108 |
| Efficiency ratio | 62.8830% | 2,556 |
| Assets per employee ($millions) | 7.8150% | 1,367 |
| Cash dividends to net income (ytd only)* | 15.1668% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 89.5350% | 20 |
| Net loans and leases to deposits | 108.0215% | 113 |
| Net loans and leases to core deposits | 118.7474% | 197 |
| Total domestic deposits to total assets | 82.8862% | 3,736 |
| Equity capital to assets | 8.1248% | 4,456 |
| Core capital (leverage) ratio | 8.4063% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7119% | 3,103 |
| Memoranda: | ||
| Average total assets | $347,438,500 | 2,233 |
| Average earning assets | $336,710,750 | 2,170 |
| Average equity | $26,872,250 | 2,766 |
| Average total loans | $309,365,000 | 1,693 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 878 |
| Cost of funding earning assets | 0.2530% | 3,256 |
| Net interest margin | 4.1240% | 665 |
| Noninterest income to average assets | 0.2318% | 4,015 |
| Noninterest expense to average assets | 2.7986% | 1,357 |
| Loan and lease loss provision to assets | 0.0867% | 1,417 |
| Net operating income to assets | 0.9595% | 3,033 |
| Return on assets (ROA) | 0.9595% | 3,116 |
| Pretax return on assets | 1.3415% | 2,513 |
| Return on Equity (ROE) | 12.6210% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.3401% | 1,304 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2109% | 2,123 |
| Assets per employee ($millions) | 8.0273% | 1,201 |
| Cash dividends to net income (ytd only)* | 18.0723% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,774 |
| Loan loss allowance to noncurrent loans | 83.5961% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 688 |
| Noncurrent loans to loans | 1.2125% | 993 |
| Net loans and leases to total assets | 88.8624% | 25 |
| Net loans and leases to deposits | 116.0477% | 68 |
| Net loans and leases to core deposits | 125.5509% | 161 |
| Total domestic deposits to total assets | 76.5741% | 4,533 |
| Equity capital to assets | 7.5996% | 4,706 |
| Core capital (leverage) ratio | 8.4602% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7808% | 3,087 |
| Memoranda: | ||
| Average total assets | $346,026,000 | 2,222 |
| Average earning assets | $335,211,333 | 2,165 |
| Average equity | $26,305,333 | 2,795 |
| Average total loans | $306,432,667 | 1,711 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 899 |
| Cost of funding earning assets | 0.2663% | 3,311 |
| Net interest margin | 4.1459% | 668 |
| Noninterest income to average assets | 0.2104% | 4,123 |
| Noninterest expense to average assets | 2.7894% | 1,390 |
| Loan and lease loss provision to assets | 0.1773% | 697 |
| Net operating income to assets | 0.9030% | 3,116 |
| Return on assets (ROA) | 0.9030% | 3,197 |
| Pretax return on assets | 1.2552% | 2,687 |
| Return on Equity (ROE) | 11.8763% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.5445% | 1,789 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0694% | 2,222 |
| Assets per employee ($millions) | 8.1880% | 1,109 |
| Cash dividends to net income (ytd only)* | 19.6335% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,511 |
| Loan loss allowance to noncurrent loans | 83.5707% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 701 |
| Noncurrent loans to loans | 1.2957% | 1,000 |
| Net loans and leases to total assets | 85.2614% | 109 |
| Net loans and leases to deposits | 109.1354% | 140 |
| Net loans and leases to core deposits | 113.7902% | 329 |
| Total domestic deposits to total assets | 78.1244% | 4,423 |
| Equity capital to assets | 7.5863% | 4,683 |
| Core capital (leverage) ratio | 8.6978% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6030% | 2,991 |
| Memoranda: | ||
| Average total assets | $338,425,000 | 2,244 |
| Average earning assets | $327,458,500 | 2,183 |
| Average equity | $25,732,000 | 2,817 |
| Average total loans | $297,507,500 | 1,762 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 982 |
| Cost of funding earning assets | 0.5131% | 2,865 |
| Net interest margin | 4.1411% | 724 |
| Noninterest income to average assets | 0.2373% | 4,080 |
| Noninterest expense to average assets | 3.0077% | 1,415 |
| Loan and lease loss provision to assets | 0.1120% | 2,949 |
| Net operating income to assets | 0.8002% | 3,092 |
| Return on assets (ROA) | 0.8033% | 3,198 |
| Pretax return on assets | 1.1166% | 2,629 |
| Return on Equity (ROE) | 10.3365% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.8092% | 1,113 |
| Net charge-offs to loans | 0.0007% | 3,408 |
| Credit loss provision to net charge-offs | 17,100.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,870.5000% | 61 |
| Efficiency ratio | 71.0650% | 1,803 |
| Assets per employee ($millions) | 7.5527% | 1,248 |
| Cash dividends to net income (ytd only)* | 24.4499% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,576 |
| Loan loss allowance to noncurrent loans | 79.7813% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 712 |
| Noncurrent loans to loans | 1.3487% | 1,005 |
| Net loans and leases to total assets | 88.8025% | 37 |
| Net loans and leases to deposits | 112.6531% | 131 |
| Net loans and leases to core deposits | 118.3173% | 334 |
| Total domestic deposits to total assets | 78.8283% | 4,221 |
| Equity capital to assets | 7.6221% | 4,819 |
| Core capital (leverage) ratio | 8.1488% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3373% | 3,097 |
| Memoranda: | ||
| Average total assets | $305,484,800 | 2,271 |
| Average earning assets | $294,702,000 | 2,212 |
| Average equity | $23,741,200 | 2,886 |
| Average total loans | $275,329,400 | 1,801 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 1,351 |
| Cost of funding earning assets | 0.5665% | 2,833 |
| Net interest margin | 4.0194% | 1,067 |
| Noninterest income to average assets | 0.2461% | 4,004 |
| Noninterest expense to average assets | 3.0172% | 1,409 |
| Loan and lease loss provision to assets | 0.0851% | 3,244 |
| Net operating income to assets | 0.7366% | 3,330 |
| Return on assets (ROA) | 0.7366% | 3,433 |
| Pretax return on assets | 1.0199% | 2,994 |
| Return on Equity (ROE) | 9.4287% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.8743% | 1,747 |
| Net charge-offs to loans | 0.0010% | 3,201 |
| Credit loss provision to net charge-offs | 9,600.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 1,246.0000% | 94 |
| Efficiency ratio | 73.1928% | 1,495 |
| Assets per employee ($millions) | 7.6532% | 1,139 |
| Cash dividends to net income (ytd only)* | 27.0921% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,574 |
| Loan loss allowance to noncurrent loans | 75.9664% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 844 |
| Noncurrent loans to loans | 1.3531% | 1,086 |
| Net loans and leases to total assets | 87.3925% | 94 |
| Net loans and leases to deposits | 115.7769% | 151 |
| Net loans and leases to core deposits | 123.0934% | 353 |
| Total domestic deposits to total assets | 75.4835% | 4,469 |
| Equity capital to assets | 7.3342% | 4,893 |
| Core capital (leverage) ratio | 8.2605% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0428% | 3,088 |
| Memoranda: | ||
| Average total assets | $300,664,000 | 2,277 |
| Average earning assets | $289,951,750 | 2,216 |
| Average equity | $23,488,000 | 2,903 |
| Average total loans | $271,277,000 | 1,812 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,312 |
| Cost of funding earning assets | 0.6482% | 2,707 |
| Net interest margin | 4.0897% | 1,139 |
| Noninterest income to average assets | 0.2356% | 4,064 |
| Noninterest expense to average assets | 3.1567% | 1,234 |
| Loan and lease loss provision to assets | 0.0288% | 3,891 |
| Net operating income to assets | 0.7074% | 3,372 |
| Return on assets (ROA) | 0.7074% | 3,478 |
| Pretax return on assets | 0.9890% | 3,065 |
| Return on Equity (ROE) | 8.8518% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.2736% | 1,951 |
| Net charge-offs to loans | 0.0023% | 2,930 |
| Credit loss provision to net charge-offs | 1,400.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 207 |
| Efficiency ratio | 75.6170% | 1,298 |
| Assets per employee ($millions) | 7.7260% | 1,075 |
| Cash dividends to net income (ytd only)* | 29.1262% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 3,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 91.1089% | 19 |
| Net loans and leases to deposits | 112.6569% | 180 |
| Net loans and leases to core deposits | 119.4091% | 437 |
| Total domestic deposits to total assets | 80.8729% | 3,637 |
| Equity capital to assets | 7.4746% | 4,886 |
| Core capital (leverage) ratio | 7.8430% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8531% | 3,177 |
| Memoranda: | ||
| Average total assets | $291,189,000 | 2,305 |
| Average earning assets | $280,458,000 | 2,248 |
| Average equity | $23,272,000 | 2,912 |
| Average total loans | $264,840,667 | 1,816 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 956 |
| Cost of funding earning assets | 0.8000% | 2,396 |
| Net interest margin | 4.2049% | 910 |
| Noninterest income to average assets | 0.2931% | 3,770 |
| Noninterest expense to average assets | 3.3017% | 1,223 |
| Loan and lease loss provision to assets | 0.0158% | 3,598 |
| Net operating income to assets | 0.7227% | 3,193 |
| Return on assets (ROA) | 0.7227% | 3,280 |
| Pretax return on assets | 1.0158% | 2,795 |
| Return on Equity (ROE) | 8.7215% | 2,221 |
| Retained earnings to average equity (ytd only) | 6.1206% | 1,829 |
| Net charge-offs to loans | 0.0032% | 2,475 |
| Credit loss provision to net charge-offs | 550.0000% | 831 |
| Earnings coverage of net charge-offs (x) | 359.0000% | 193 |
| Efficiency ratio | 76.1936% | 1,544 |
| Assets per employee ($millions) | 6.5745% | 1,308 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 88.3051% | 65 |
| Net loans and leases to deposits | 107.2203% | 255 |
| Net loans and leases to core deposits | 120.3430% | 456 |
| Total domestic deposits to total assets | 82.3586% | 3,314 |
| Equity capital to assets | 8.2496% | 4,917 |
| Core capital (leverage) ratio | 8.3169% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8123% | 3,353 |
| Memoranda: | ||
| Average total assets | $278,401,000 | 2,334 |
| Average earning assets | $267,499,500 | 2,276 |
| Average equity | $23,069,500 | 2,919 |
| Average total loans | $251,542,500 | 1,847 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 602 |
| Cost of funding earning assets | 0.9734% | 1,838 |
| Net interest margin | 4.4902% | 730 |
| Noninterest income to average assets | 0.3397% | 3,674 |
| Noninterest expense to average assets | 3.4675% | 1,008 |
| Loan and lease loss provision to assets | 0.0007% | 3,965 |
| Net operating income to assets | 0.8469% | 3,397 |
| Return on assets (ROA) | 0.8539% | 3,469 |
| Pretax return on assets | 1.1944% | 2,860 |
| Return on Equity (ROE) | 10.4751% | 2,094 |
| Retained earnings to average equity (ytd only) | 6.8473% | 1,453 |
| Net charge-offs to loans | -0.0205% | 4,628 |
| Credit loss provision to net charge-offs | -4.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5095% | 1,546 |
| Assets per employee ($millions) | 6.3744% | 1,369 |
| Cash dividends to net income (ytd only)* | 34.6320% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 90.4202% | 43 |
| Net loans and leases to deposits | 112.6325% | 148 |
| Net loans and leases to core deposits | 123.9336% | 384 |
| Total domestic deposits to total assets | 80.2790% | 3,918 |
| Equity capital to assets | 8.3244% | 4,976 |
| Core capital (leverage) ratio | 8.2535% | 4,959 |
| Tier 1 risk-based capital ratio | 9.0662% | 5,164 |
| Total risk-based capital ratio | 10.6873% | 5,148 |
| Memoranda: | ||
| Average total assets | $270,515,200 | 2,328 |
| Average earning assets | $259,902,200 | 2,279 |
| Average equity | $22,052,400 | 2,956 |
| Average total loans | $243,711,800 | 1,866 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 549 |
| Cost of funding earning assets | 1.0026% | 1,753 |
| Net interest margin | 4.5395% | 701 |
| Noninterest income to average assets | 0.3496% | 3,638 |
| Noninterest expense to average assets | 3.5278% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8644% | 3,469 |
| Return on assets (ROA) | 0.8738% | 3,516 |
| Pretax return on assets | 1.1952% | 2,994 |
| Return on Equity (ROE) | 10.7768% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.1174% | 1,806 |
| Net charge-offs to loans | -0.0287% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8819% | 1,456 |
| Assets per employee ($millions) | 6.7498% | 1,133 |
| Cash dividends to net income (ytd only)* | 33.9559% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 86.2930% | 175 |
| Net loans and leases to deposits | 108.8526% | 244 |
| Net loans and leases to core deposits | 123.3198% | 428 |
| Total domestic deposits to total assets | 79.2751% | 4,126 |
| Equity capital to assets | 7.9463% | 5,142 |
| Core capital (leverage) ratio | 8.2614% | 5,045 |
| Tier 1 risk-based capital ratio | 9.0706% | 5,240 |
| Total risk-based capital ratio | 10.7135% | 5,219 |
| Memoranda: | ||
| Average total assets | $269,619,500 | 2,351 |
| Average earning assets | $259,050,750 | 2,296 |
| Average equity | $21,861,250 | 2,995 |
| Average total loans | $241,980,500 | 1,881 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6102% | 465 |
| Cost of funding earning assets | 1.0128% | 1,632 |
| Net interest margin | 4.5974% | 619 |
| Noninterest income to average assets | 0.3555% | 3,555 |
| Noninterest expense to average assets | 3.5751% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8755% | 3,381 |
| Return on assets (ROA) | 0.8755% | 3,448 |
| Pretax return on assets | 1.1962% | 2,918 |
| Return on Equity (ROE) | 10.7212% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.9485% | 1,422 |
| Net charge-offs to loans | -0.0433% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9288% | 1,523 |
| Assets per employee ($millions) | 5.8162% | 1,678 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 88.2655% | 99 |
| Net loans and leases to deposits | 106.4482% | 320 |
| Net loans and leases to core deposits | 122.4978% | 471 |
| Total domestic deposits to total assets | 82.9188% | 3,227 |
| Equity capital to assets | 8.3051% | 5,117 |
| Core capital (leverage) ratio | 8.2376% | 5,091 |
| Tier 1 risk-based capital ratio | 9.3164% | 5,282 |
| Total risk-based capital ratio | 11.0274% | 5,222 |
| Memoranda: | ||
| Average total assets | $264,996,000 | 2,385 |
| Average earning assets | $254,536,000 | 2,328 |
| Average equity | $21,639,330 | 3,007 |
| Average total loans | $240,164,330 | 1,896 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 488 |
| Cost of funding earning assets | 0.9893% | 1,609 |
| Net interest margin | 4.5491% | 677 |
| Noninterest income to average assets | 0.3307% | 3,649 |
| Noninterest expense to average assets | 3.5598% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8372% | 3,493 |
| Return on assets (ROA) | 0.8372% | 3,533 |
| Pretax return on assets | 1.1436% | 2,999 |
| Return on Equity (ROE) | 10.3424% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.4688% | 1,501 |
| Net charge-offs to loans | -0.0864% | 4,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6853% | 1,531 |
| Assets per employee ($millions) | 5.8435% | 1,669 |
| Cash dividends to net income (ytd only)* | 18.1159% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 90.8845% | 37 |
| Net loans and leases to deposits | 111.9334% | 178 |
| Net loans and leases to core deposits | 126.7772% | 362 |
| Total domestic deposits to total assets | 81.1952% | 3,931 |
| Equity capital to assets | 8.2176% | 5,121 |
| Core capital (leverage) ratio | 8.1364% | 5,164 |
| Tier 1 risk-based capital ratio | 8.9892% | 5,340 |
| Total risk-based capital ratio | 10.6788% | 5,323 |
| Memoranda: | ||
| Average total assets | $263,721,500 | 2,415 |
| Average earning assets | $253,502,000 | 2,356 |
| Average equity | $21,349,000 | 3,038 |
| Average total loans | $240,773,000 | 1,908 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 742 |
| Cost of funding earning assets | 0.7618% | 1,730 |
| Net interest margin | 4.4049% | 924 |
| Noninterest income to average assets | 0.3931% | 3,478 |
| Noninterest expense to average assets | 3.4063% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8993% | 3,439 |
| Return on assets (ROA) | 0.8883% | 3,466 |
| Pretax return on assets | 1.2032% | 2,867 |
| Return on Equity (ROE) | 10.9045% | 2,123 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,192 |
| Net charge-offs to loans | -0.0452% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6742% | 1,667 |
| Assets per employee ($millions) | 6.1508% | 1,414 |
| Cash dividends to net income (ytd only)* | 44.8833% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 2,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 89.6145% | 69 |
| Net loans and leases to deposits | 112.4610% | 193 |
| Net loans and leases to core deposits | 124.1318% | 438 |
| Total domestic deposits to total assets | 79.6850% | 4,175 |
| Equity capital to assets | 7.9736% | 5,173 |
| Core capital (leverage) ratio | 8.0968% | 5,208 |
| Tier 1 risk-based capital ratio | 8.9152% | 5,384 |
| Total risk-based capital ratio | 10.6052% | 5,362 |
| Memoranda: | ||
| Average total assets | $250,826,400 | 2,465 |
| Average earning assets | $240,890,400 | 2,403 |
| Average equity | $20,432,000 | 3,053 |
| Average total loans | $228,001,200 | 1,962 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 807 |
| Cost of funding earning assets | 0.7192% | 1,752 |
| Net interest margin | 4.3515% | 1,006 |
| Noninterest income to average assets | 0.3783% | 3,612 |
| Noninterest expense to average assets | 3.3633% | 1,171 |
| Loan and lease loss provision to assets | 0.0005% | 3,942 |
| Net operating income to assets | 0.8736% | 3,646 |
| Return on assets (ROA) | 0.8736% | 3,650 |
| Pretax return on assets | 1.1915% | 3,021 |
| Return on Equity (ROE) | 10.6636% | 2,318 |
| Retained earnings to average equity (ytd only) | 6.0587% | 2,627 |
| Net charge-offs to loans | -0.0912% | 5,138 |
| Credit loss provision to net charge-offs | -0.6494% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8318% | 1,621 |
| Assets per employee ($millions) | 5.9075% | 1,568 |
| Cash dividends to net income (ytd only)* | 43.1832% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,609 |
| Loan loss allowance to noncurrent loans | 5,380.7692% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,892 |
| Noncurrent loans to loans | 0.0223% | 4,804 |
| Net loans and leases to total assets | 90.5174% | 57 |
| Net loans and leases to deposits | 112.0366% | 236 |
| Net loans and leases to core deposits | 125.3523% | 431 |
| Total domestic deposits to total assets | 80.7927% | 3,922 |
| Equity capital to assets | 8.1398% | 5,114 |
| Core capital (leverage) ratio | 8.2666% | 5,219 |
| Tier 1 risk-based capital ratio | 9.0043% | 5,455 |
| Total risk-based capital ratio | 10.7595% | 5,418 |
| Memoranda: | ||
| Average total assets | $247,412,000 | 2,505 |
| Average earning assets | $237,489,250 | 2,444 |
| Average equity | $20,267,750 | 3,096 |
| Average total loans | $225,061,250 | 1,993 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 901 |
| Cost of funding earning assets | 0.6781% | 1,755 |
| Net interest margin | 4.2804% | 1,075 |
| Noninterest income to average assets | 0.3817% | 3,610 |
| Noninterest expense to average assets | 3.3359% | 1,237 |
| Loan and lease loss provision to assets | 0.0008% | 3,778 |
| Net operating income to assets | 0.8450% | 3,698 |
| Return on assets (ROA) | 0.8450% | 3,697 |
| Pretax return on assets | 1.1533% | 3,124 |
| Return on Equity (ROE) | 10.2924% | 2,429 |
| Retained earnings to average equity (ytd only) | 6.3185% | 2,405 |
| Net charge-offs to loans | -0.0027% | 3,995 |
| Credit loss provision to net charge-offs | -33.3333% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2961% | 1,665 |
| Assets per employee ($millions) | 5.7378% | 1,691 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 90.3512% | 67 |
| Net loans and leases to deposits | 113.8922% | 198 |
| Net loans and leases to core deposits | 129.8018% | 338 |
| Total domestic deposits to total assets | 79.3304% | 4,369 |
| Equity capital to assets | 8.2793% | 5,090 |
| Core capital (leverage) ratio | 8.1946% | 5,265 |
| Tier 1 risk-based capital ratio | 9.0800% | 5,510 |
| Total risk-based capital ratio | 10.8070% | 5,467 |
| Memoranda: | ||
| Average total assets | $245,208,330 | 2,532 |
| Average earning assets | $235,350,330 | 2,472 |
| Average equity | $20,131,330 | 3,117 |
| Average total loans | $222,504,000 | 2,013 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 911 |
| Cost of funding earning assets | 0.6016% | 2,046 |
| Net interest margin | 4.2763% | 989 |
| Noninterest income to average assets | 0.2700% | 4,365 |
| Noninterest expense to average assets | 3.2792% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8018% | 3,693 |
| Return on assets (ROA) | 0.8018% | 3,705 |
| Pretax return on assets | 1.0963% | 3,187 |
| Return on Equity (ROE) | 9.8081% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.8048% | 2,807 |
| Net charge-offs to loans | -0.0036% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9439% | 1,752 |
| Assets per employee ($millions) | 6.3611% | 1,274 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 89.4700% | 76 |
| Net loans and leases to deposits | 117.5581% | 140 |
| Net loans and leases to core deposits | 141.0861% | 203 |
| Total domestic deposits to total assets | 76.1070% | 4,951 |
| Equity capital to assets | 8.1014% | 5,231 |
| Core capital (leverage) ratio | 8.2502% | 5,289 |
| Tier 1 risk-based capital ratio | 8.9308% | 5,579 |
| Total risk-based capital ratio | 10.6579% | 5,547 |
| Memoranda: | ||
| Average total assets | $244,450,000 | 2,557 |
| Average earning assets | $234,689,500 | 2,495 |
| Average equity | $19,983,500 | 3,160 |
| Average total loans | $220,973,500 | 2,030 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,439 |
| Cost of funding earning assets | 0.4559% | 2,716 |
| Net interest margin | 4.1416% | 1,320 |
| Noninterest income to average assets | 0.4038% | 3,615 |
| Noninterest expense to average assets | 3.3148% | 1,350 |
| Loan and lease loss provision to assets | 0.0088% | 4,092 |
| Net operating income to assets | 0.4000% | 4,691 |
| Return on assets (ROA) | 0.4000% | 4,710 |
| Pretax return on assets | 1.0498% | 3,383 |
| Return on Equity (ROE) | 4.9400% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.4415% | 3,870 |
| Net charge-offs to loans | -0.0014% | 4,508 |
| Credit loss provision to net charge-offs | -700.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7942% | 1,653 |
| Assets per employee ($millions) | 6.1748% | 1,397 |
| Cash dividends to net income (ytd only)* | 50.5771% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 89.1553% | 99 |
| Net loans and leases to deposits | 113.2388% | 189 |
| Net loans and leases to core deposits | 136.1931% | 249 |
| Total domestic deposits to total assets | 78.7322% | 4,597 |
| Equity capital to assets | 8.2506% | 5,279 |
| Core capital (leverage) ratio | 8.1939% | 5,356 |
| Tier 1 risk-based capital ratio | 9.1025% | 5,630 |
| Total risk-based capital ratio | 10.8875% | 5,566 |
| Memoranda: | ||
| Average total assets | $238,234,800 | 2,574 |
| Average earning assets | $228,343,800 | 2,514 |
| Average equity | $19,291,400 | 3,217 |
| Average total loans | $215,271,200 | 2,034 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 1,637 |
| Cost of funding earning assets | 0.4341% | 2,862 |
| Net interest margin | 4.0664% | 1,492 |
| Noninterest income to average assets | 0.3468% | 4,058 |
| Noninterest expense to average assets | 3.3059% | 1,332 |
| Loan and lease loss provision to assets | 0.0118% | 3,906 |
| Net operating income to assets | 0.5758% | 4,477 |
| Return on assets (ROA) | 0.5758% | 4,521 |
| Pretax return on assets | 0.9248% | 3,953 |
| Return on Equity (ROE) | 7.1446% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.4845% | 3,232 |
| Net charge-offs to loans | -0.0019% | 4,314 |
| Credit loss provision to net charge-offs | -700.0000% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9233% | 1,340 |
| Assets per employee ($millions) | 6.3339% | 1,289 |
| Cash dividends to net income (ytd only)* | 37.2318% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 90.2251% | 75 |
| Net loans and leases to deposits | 115.0771% | 166 |
| Net loans and leases to core deposits | 131.7379% | 313 |
| Total domestic deposits to total assets | 78.4041% | 4,644 |
| Equity capital to assets | 8.0930% | 5,487 |
| Core capital (leverage) ratio | 8.0818% | 5,486 |
| Tier 1 risk-based capital ratio | 8.8893% | 5,702 |
| Total risk-based capital ratio | 10.6708% | 5,660 |
| Memoranda: | ||
| Average total assets | $237,588,750 | 2,600 |
| Average earning assets | $227,614,250 | 2,539 |
| Average equity | $19,147,000 | 3,255 |
| Average total loans | $214,752,750 | 2,048 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 1,827 |
| Cost of funding earning assets | 0.4033% | 3,039 |
| Net interest margin | 3.9926% | 1,625 |
| Noninterest income to average assets | 0.3652% | 3,941 |
| Noninterest expense to average assets | 3.3016% | 1,369 |
| Loan and lease loss provision to assets | 0.0169% | 3,621 |
| Net operating income to assets | 0.5453% | 4,545 |
| Return on assets (ROA) | 0.5453% | 4,583 |
| Pretax return on assets | 0.8717% | 4,027 |
| Return on Equity (ROE) | 6.7765% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.3391% | 3,123 |
| Net charge-offs to loans | -0.0009% | 4,135 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7934% | 1,356 |
| Assets per employee ($millions) | 6.1256% | 1,372 |
| Cash dividends to net income (ytd only)* | 35.9690% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,910 |
| Loan loss allowance to noncurrent loans | 2,612.8713% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,072 |
| Noncurrent loans to loans | 0.0466% | 4,960 |
| Net loans and leases to total assets | 89.6404% | 88 |
| Net loans and leases to deposits | 115.8218% | 159 |
| Net loans and leases to core deposits | 143.6792% | 162 |
| Total domestic deposits to total assets | 77.3951% | 4,903 |
| Equity capital to assets | 8.0582% | 5,512 |
| Core capital (leverage) ratio | 8.1551% | 5,456 |
| Tier 1 risk-based capital ratio | 8.8630% | 5,749 |
| Total risk-based capital ratio | 10.6592% | 5,707 |
| Memoranda: | ||
| Average total assets | $236,555,330 | 2,627 |
| Average earning assets | $226,617,330 | 2,567 |
| Average equity | $19,036,330 | 3,272 |
| Average total loans | $213,069,000 | 2,063 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 1,931 |
| Cost of funding earning assets | 0.3739% | 3,263 |
| Net interest margin | 3.9360% | 1,649 |
| Noninterest income to average assets | 0.3790% | 3,815 |
| Noninterest expense to average assets | 3.1914% | 1,635 |
| Loan and lease loss provision to assets | 0.0323% | 3,139 |
| Net operating income to assets | 0.5812% | 4,235 |
| Return on assets (ROA) | 0.5812% | 4,278 |
| Pretax return on assets | 0.9295% | 3,662 |
| Return on Equity (ROE) | 7.2270% | 3,307 |
| Retained earnings to average equity (ytd only) | 4.4376% | 3,208 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8412% | 1,776 |
| Assets per employee ($millions) | 6.0485% | 1,472 |
| Cash dividends to net income (ytd only)* | 38.5965% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,891 |
| Loan loss allowance to noncurrent loans | 2,610.8911% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,134 |
| Noncurrent loans to loans | 0.0475% | 4,999 |
| Net loans and leases to total assets | 89.0725% | 81 |
| Net loans and leases to deposits | 111.8633% | 177 |
| Net loans and leases to core deposits | 142.9687% | 149 |
| Total domestic deposits to total assets | 79.6262% | 4,695 |
| Equity capital to assets | 8.0698% | 5,492 |
| Core capital (leverage) ratio | 8.0766% | 5,524 |
| Tier 1 risk-based capital ratio | 9.1781% | 5,796 |
| Total risk-based capital ratio | 11.0325% | 5,726 |
| Memoranda: | ||
| Average total assets | $235,383,000 | 2,654 |
| Average earning assets | $225,709,000 | 2,596 |
| Average equity | $18,929,000 | 3,295 |
| Average total loans | $211,208,500 | 2,089 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 1,655 |
| Cost of funding earning assets | 0.3086% | 3,973 |
| Net interest margin | 4.1514% | 1,235 |
| Noninterest income to average assets | 0.4580% | 3,492 |
| Noninterest expense to average assets | 3.3706% | 1,423 |
| Loan and lease loss provision to assets | 0.0542% | 3,299 |
| Net operating income to assets | 0.6367% | 4,060 |
| Return on assets (ROA) | 0.6367% | 4,172 |
| Pretax return on assets | 1.0130% | 3,434 |
| Return on Equity (ROE) | 7.7811% | 3,062 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,062 |
| Net charge-offs to loans | -0.0253% | 5,185 |
| Credit loss provision to net charge-offs | -238.4615% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9527% | 1,990 |
| Assets per employee ($millions) | 6.0224% | 1,467 |
| Cash dividends to net income (ytd only)* | 48.3871% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 88.1524% | 119 |
| Net loans and leases to deposits | 114.2693% | 152 |
| Net loans and leases to core deposits | 142.5214% | 154 |
| Total domestic deposits to total assets | 77.1444% | 5,105 |
| Equity capital to assets | 8.0136% | 5,560 |
| Core capital (leverage) ratio | 8.0739% | 5,579 |
| Tier 1 risk-based capital ratio | 8.9765% | 5,857 |
| Total risk-based capital ratio | 10.8243% | 5,796 |
| Memoranda: | ||
| Average total assets | $228,834,400 | 2,677 |
| Average earning assets | $219,374,000 | 2,608 |
| Average equity | $18,724,800 | 3,312 |
| Average total loans | $205,827,600 | 2,075 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,596 |
| Cost of funding earning assets | 0.3036% | 4,058 |
| Net interest margin | 4.1799% | 1,177 |
| Noninterest income to average assets | 0.4856% | 3,346 |
| Noninterest expense to average assets | 3.3924% | 1,356 |
| Loan and lease loss provision to assets | 0.0545% | 3,170 |
| Net operating income to assets | 0.6587% | 4,038 |
| Return on assets (ROA) | 0.6587% | 4,159 |
| Pretax return on assets | 1.0446% | 3,453 |
| Return on Equity (ROE) | 8.0067% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.0497% | 3,419 |
| Net charge-offs to loans | -0.0299% | 5,165 |
| Credit loss provision to net charge-offs | -202.1739% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5289% | 2,034 |
| Assets per employee ($millions) | 5.8380% | 1,550 |
| Cash dividends to net income (ytd only)* | 49.4210% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 3,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 90.0519% | 67 |
| Net loans and leases to deposits | 116.4426% | 152 |
| Net loans and leases to core deposits | 142.5896% | 174 |
| Total domestic deposits to total assets | 77.3358% | 5,027 |
| Equity capital to assets | 8.2308% | 5,658 |
| Core capital (leverage) ratio | 8.1334% | 5,625 |
| Tier 1 risk-based capital ratio | 8.9767% | 5,922 |
| Total risk-based capital ratio | 10.8264% | 5,857 |
| Memoranda: | ||
| Average total assets | $227,324,250 | 2,700 |
| Average earning assets | $217,861,250 | 2,626 |
| Average equity | $18,700,500 | 3,341 |
| Average total loans | $204,868,000 | 2,090 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 1,582 |
| Cost of funding earning assets | 0.2976% | 4,161 |
| Net interest margin | 4.1807% | 1,159 |
| Noninterest income to average assets | 0.5017% | 3,176 |
| Noninterest expense to average assets | 3.3635% | 1,456 |
| Loan and lease loss provision to assets | 0.0722% | 2,691 |
| Net operating income to assets | 0.6593% | 4,000 |
| Return on assets (ROA) | 0.6593% | 4,144 |
| Pretax return on assets | 1.0730% | 3,315 |
| Return on Equity (ROE) | 8.0161% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.7887% | 3,480 |
| Net charge-offs to loans | -0.0461% | 5,330 |
| Credit loss provision to net charge-offs | -174.4681% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5998% | 2,275 |
| Assets per employee ($millions) | 5.9346% | 1,445 |
| Cash dividends to net income (ytd only)* | 52.7370% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 87.9118% | 139 |
| Net loans and leases to deposits | 109.9819% | 250 |
| Net loans and leases to core deposits | 139.1664% | 193 |
| Total domestic deposits to total assets | 79.9329% | 4,563 |
| Equity capital to assets | 8.0160% | 5,805 |
| Core capital (leverage) ratio | 8.1386% | 5,642 |
| Tier 1 risk-based capital ratio | 8.9840% | 6,001 |
| Total risk-based capital ratio | 10.8451% | 5,915 |
| Memoranda: | ||
| Average total assets | $227,205,330 | 2,706 |
| Average earning assets | $217,762,670 | 2,642 |
| Average equity | $18,687,330 | 3,341 |
| Average total loans | $203,953,330 | 2,106 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,430 |
| Cost of funding earning assets | 0.2968% | 4,196 |
| Net interest margin | 4.2313% | 1,032 |
| Noninterest income to average assets | 0.5758% | 2,653 |
| Noninterest expense to average assets | 3.3943% | 1,391 |
| Loan and lease loss provision to assets | 0.0569% | 2,807 |
| Net operating income to assets | 0.7215% | 3,612 |
| Return on assets (ROA) | 0.7215% | 3,726 |
| Pretax return on assets | 1.1782% | 2,788 |
| Return on Equity (ROE) | 8.6593% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.3936% | 3,284 |
| Net charge-offs to loans | -0.0177% | 4,798 |
| Credit loss provision to net charge-offs | -355.5556% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3205% | 2,587 |
| Assets per employee ($millions) | 5.6137% | 1,734 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,326 |
| Loan loss allowance to noncurrent loans | 41,400.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,678 |
| Noncurrent loans to loans | 0.0030% | 5,524 |
| Net loans and leases to total assets | 89.0575% | 88 |
| Net loans and leases to deposits | 105.6861% | 353 |
| Net loans and leases to core deposits | 137.4954% | 191 |
| Total domestic deposits to total assets | 84.2661% | 3,415 |
| Equity capital to assets | 8.1858% | 5,751 |
| Core capital (leverage) ratio | 8.0784% | 5,736 |
| Tier 1 risk-based capital ratio | 9.0460% | 6,055 |
| Total risk-based capital ratio | 10.8984% | 5,958 |
| Memoranda: | ||
| Average total assets | $225,083,500 | 2,733 |
| Average earning assets | $215,631,000 | 2,671 |
| Average equity | $18,754,500 | 3,337 |
| Average total loans | $202,908,500 | 2,115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,634 |
| Cost of funding earning assets | 0.2622% | 4,672 |
| Net interest margin | 4.2259% | 1,110 |
| Noninterest income to average assets | 0.4650% | 3,562 |
| Noninterest expense to average assets | 3.4590% | 1,368 |
| Loan and lease loss provision to assets | 0.1876% | 1,191 |
| Net operating income to assets | 0.5296% | 4,584 |
| Return on assets (ROA) | 0.5296% | 4,661 |
| Pretax return on assets | 0.8669% | 3,966 |
| Return on Equity (ROE) | 6.1901% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.1901% | 1,709 |
| Net charge-offs to loans | 0.3088% | 978 |
| Credit loss provision to net charge-offs | 67.8333% | 3,162 |
| Earnings coverage of net charge-offs (x) | 3.8133% | 3,656 |
| Efficiency ratio | 76.6364% | 2,171 |
| Assets per employee ($millions) | 5.6405% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 89.0502% | 90 |
| Net loans and leases to deposits | 108.5704% | 280 |
| Net loans and leases to core deposits | 138.0954% | 188 |
| Total domestic deposits to total assets | 82.0207% | 4,160 |
| Equity capital to assets | 8.4780% | 5,580 |
| Core capital (leverage) ratio | 8.6015% | 5,328 |
| Tier 1 risk-based capital ratio | 9.4687% | 6,050 |
| Total risk-based capital ratio | 11.1808% | 5,921 |
| Memoranda: | ||
| Average total assets | $216,971,800 | 2,770 |
| Average earning assets | $207,860,600 | 2,695 |
| Average equity | $18,561,800 | 3,308 |
| Average total loans | $194,301,400 | 2,128 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 1,673 |
| Cost of funding earning assets | 0.2612% | 4,762 |
| Net interest margin | 4.2143% | 1,137 |
| Noninterest income to average assets | 0.4997% | 3,363 |
| Noninterest expense to average assets | 3.4970% | 1,290 |
| Loan and lease loss provision to assets | 0.1707% | 1,238 |
| Net operating income to assets | 0.5294% | 4,679 |
| Return on assets (ROA) | 0.5294% | 4,775 |
| Pretax return on assets | 0.8671% | 4,104 |
| Return on Equity (ROE) | 6.1742% | 4,074 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,137 |
| Net charge-offs to loans | 0.3853% | 669 |
| Credit loss provision to net charge-offs | 49.5495% | 3,041 |
| Earnings coverage of net charge-offs (x) | 3.0126% | 3,568 |
| Efficiency ratio | 77.1147% | 2,072 |
| Assets per employee ($millions) | 5.3450% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,592 |
| Loan loss allowance to noncurrent loans | 5,352.2727% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,716 |
| Noncurrent loans to loans | 0.0226% | 5,544 |
| Net loans and leases to total assets | 87.7505% | 151 |
| Net loans and leases to deposits | 102.8573% | 507 |
| Net loans and leases to core deposits | 130.4888% | 269 |
| Total domestic deposits to total assets | 85.3129% | 2,881 |
| Equity capital to assets | 8.6103% | 5,637 |
| Core capital (leverage) ratio | 8.6125% | 5,447 |
| Tier 1 risk-based capital ratio | 9.3651% | 6,162 |
| Total risk-based capital ratio | 11.0417% | 6,060 |
| Memoranda: | ||
| Average total assets | $214,809,750 | 2,818 |
| Average earning assets | $205,673,250 | 2,734 |
| Average equity | $18,420,250 | 3,350 |
| Average total loans | $192,037,500 | 2,160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,628 |
| Cost of funding earning assets | 0.2635% | 4,793 |
| Net interest margin | 4.2070% | 1,098 |
| Noninterest income to average assets | 0.5015% | 3,366 |
| Noninterest expense to average assets | 3.4664% | 1,353 |
| Loan and lease loss provision to assets | 0.2118% | 912 |
| Net operating income to assets | 0.5193% | 4,688 |
| Return on assets (ROA) | 0.5193% | 4,789 |
| Pretax return on assets | 0.8492% | 4,132 |
| Return on Equity (ROE) | 6.0644% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.0644% | 2,203 |
| Net charge-offs to loans | 0.5848% | 415 |
| Credit loss provision to net charge-offs | 40.4293% | 2,808 |
| Earnings coverage of net charge-offs (x) | 2.0250% | 3,417 |
| Efficiency ratio | 76.5631% | 2,270 |
| Assets per employee ($millions) | 5.4580% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,912 |
| Loan loss allowance to noncurrent loans | 5,231.8182% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,815 |
| Noncurrent loans to loans | 0.0225% | 5,669 |
| Net loans and leases to total assets | 88.3781% | 120 |
| Net loans and leases to deposits | 106.3977% | 363 |
| Net loans and leases to core deposits | 140.9800% | 163 |
| Total domestic deposits to total assets | 83.0639% | 3,928 |
| Equity capital to assets | 8.4944% | 5,688 |
| Core capital (leverage) ratio | 8.4721% | 5,557 |
| Tier 1 risk-based capital ratio | 9.0982% | 6,247 |
| Total risk-based capital ratio | 10.7273% | 6,186 |
| Memoranda: | ||
| Average total assets | $213,365,000 | 2,850 |
| Average earning assets | $204,182,670 | 2,766 |
| Average equity | $18,270,670 | 3,387 |
| Average total loans | $191,165,000 | 2,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,577 |
| Cost of funding earning assets | 0.2699% | 4,788 |
| Net interest margin | 4.1931% | 1,075 |
| Noninterest income to average assets | 0.3281% | 4,567 |
| Noninterest expense to average assets | 3.4142% | 1,465 |
| Loan and lease loss provision to assets | 0.1954% | 952 |
| Net operating income to assets | 0.4457% | 4,894 |
| Return on assets (ROA) | 0.4457% | 5,008 |
| Pretax return on assets | 0.7265% | 4,519 |
| Return on Equity (ROE) | 5.1838% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,956 |
| Net charge-offs to loans | 1.1781% | 191 |
| Credit loss provision to net charge-offs | 18.4919% | 2,375 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 3,000 |
| Efficiency ratio | 78.7402% | 2,081 |
| Assets per employee ($millions) | 5.4490% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 4,366 |
| Loan loss allowance to noncurrent loans | 430.1775% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 5,002 |
| Noncurrent loans to loans | 0.2629% | 4,843 |
| Net loans and leases to total assets | 87.4634% | 128 |
| Net loans and leases to deposits | 103.8826% | 374 |
| Net loans and leases to core deposits | 139.3365% | 159 |
| Total domestic deposits to total assets | 84.1944% | 3,743 |
| Equity capital to assets | 8.3781% | 5,821 |
| Core capital (leverage) ratio | 8.6098% | 5,410 |
| Tier 1 risk-based capital ratio | 9.0016% | 6,318 |
| Total risk-based capital ratio | 10.5817% | 6,273 |
| Memoranda: | ||
| Average total assets | $210,887,000 | 2,900 |
| Average earning assets | $201,568,000 | 2,816 |
| Average equity | $18,133,500 | 3,422 |
| Average total loans | $189,122,500 | 2,190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,950 |
| Cost of funding earning assets | 0.2710% | 5,085 |
| Net interest margin | 4.2101% | 1,267 |
| Noninterest income to average assets | 0.5005% | 3,503 |
| Noninterest expense to average assets | 3.4259% | 1,643 |
| Loan and lease loss provision to assets | 0.0858% | 2,755 |
| Net operating income to assets | 0.6177% | 4,288 |
| Return on assets (ROA) | 0.6177% | 4,389 |
| Pretax return on assets | 1.0082% | 3,458 |
| Return on Equity (ROE) | 7.1240% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.9334% | 4,155 |
| Net charge-offs to loans | -0.1503% | 6,214 |
| Credit loss provision to net charge-offs | -64.3636% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7959% | 2,545 |
| Assets per employee ($millions) | 5.0953% | 2,194 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 89.6866% | 68 |
| Net loans and leases to deposits | 102.9872% | 477 |
| Net loans and leases to core deposits | 134.0046% | 209 |
| Total domestic deposits to total assets | 87.0852% | 2,233 |
| Equity capital to assets | 8.8346% | 5,446 |
| Core capital (leverage) ratio | 8.7636% | 5,276 |
| Tier 1 risk-based capital ratio | 9.3554% | 6,371 |
| Total risk-based capital ratio | 11.1007% | 6,255 |
| Memoranda: | ||
| Average total assets | $206,399,600 | 2,920 |
| Average earning assets | $197,051,800 | 2,838 |
| Average equity | $17,897,200 | 3,413 |
| Average total loans | $182,927,400 | 2,199 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 2,152 |
| Cost of funding earning assets | 0.2672% | 5,237 |
| Net interest margin | 4.1534% | 1,419 |
| Noninterest income to average assets | 0.5590% | 3,138 |
| Noninterest expense to average assets | 3.3699% | 1,741 |
| Loan and lease loss provision to assets | 0.1140% | 2,149 |
| Net operating income to assets | 0.6356% | 4,281 |
| Return on assets (ROA) | 0.6356% | 4,386 |
| Pretax return on assets | 1.0394% | 3,428 |
| Return on Equity (ROE) | 7.3641% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.4988% | 2,749 |
| Net charge-offs to loans | -0.1777% | 6,286 |
| Credit loss provision to net charge-offs | -72.8395% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5017% | 2,738 |
| Assets per employee ($millions) | 5.1835% | 2,035 |
| Cash dividends to net income (ytd only)* | 25.3296% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 3,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 86.2848% | 183 |
| Net loans and leases to deposits | 100.8927% | 565 |
| Net loans and leases to core deposits | 131.5550% | 225 |
| Total domestic deposits to total assets | 85.5214% | 3,107 |
| Equity capital to assets | 8.7894% | 5,560 |
| Core capital (leverage) ratio | 8.7895% | 5,352 |
| Tier 1 risk-based capital ratio | 9.6100% | 6,422 |
| Total risk-based capital ratio | 11.3854% | 6,277 |
| Memoranda: | ||
| Average total assets | $207,046,250 | 2,936 |
| Average earning assets | $197,616,500 | 2,858 |
| Average equity | $17,870,000 | 3,433 |
| Average total loans | $182,302,250 | 2,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,956 |
| Cost of funding earning assets | 0.2656% | 5,329 |
| Net interest margin | 4.1954% | 1,256 |
| Noninterest income to average assets | 0.4842% | 3,601 |
| Noninterest expense to average assets | 3.3448% | 1,816 |
| Loan and lease loss provision to assets | 0.1691% | 1,448 |
| Net operating income to assets | 0.5944% | 4,380 |
| Return on assets (ROA) | 0.5944% | 4,476 |
| Pretax return on assets | 0.9703% | 3,611 |
| Return on Equity (ROE) | 6.9288% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.9288% | 1,803 |
| Net charge-offs to loans | -0.2618% | 6,407 |
| Credit loss provision to net charge-offs | -73.2218% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5905% | 2,874 |
| Assets per employee ($millions) | 5.0837% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,233 |
| Loan loss allowance to noncurrent loans | 5,645.6522% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,158 |
| Noncurrent loans to loans | 0.0252% | 5,993 |
| Net loans and leases to total assets | 86.3130% | 164 |
| Net loans and leases to deposits | 103.5216% | 381 |
| Net loans and leases to core deposits | 134.5992% | 182 |
| Total domestic deposits to total assets | 83.3768% | 4,163 |
| Equity capital to assets | 8.6911% | 5,619 |
| Core capital (leverage) ratio | 8.7647% | 5,315 |
| Tier 1 risk-based capital ratio | 9.6825% | 6,470 |
| Total risk-based capital ratio | 11.4727% | 6,290 |
| Memoranda: | ||
| Average total assets | $206,948,330 | 2,956 |
| Average earning assets | $197,310,000 | 2,865 |
| Average equity | $17,752,000 | 3,443 |
| Average total loans | $182,567,670 | 2,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 2,021 |
| Cost of funding earning assets | 0.2641% | 5,452 |
| Net interest margin | 4.1669% | 1,305 |
| Noninterest income to average assets | 0.3045% | 4,916 |
| Noninterest expense to average assets | 3.3015% | 1,945 |
| Loan and lease loss provision to assets | 0.2405% | 915 |
| Net operating income to assets | 0.4539% | 4,919 |
| Return on assets (ROA) | 0.4539% | 4,990 |
| Pretax return on assets | 0.7410% | 4,346 |
| Return on Equity (ROE) | 5.3271% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3271% | 2,901 |
| Net charge-offs to loans | -0.0285% | 5,529 |
| Credit loss provision to net charge-offs | -953.8462% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0833% | 2,633 |
| Assets per employee ($millions) | 5.2461% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,490 |
| Loan loss allowance to noncurrent loans | 578.5536% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 5,666 |
| Noncurrent loans to loans | 0.2126% | 5,455 |
| Net loans and leases to total assets | 86.6247% | 118 |
| Net loans and leases to deposits | 105.6649% | 242 |
| Net loans and leases to core deposits | 142.0021% | 125 |
| Total domestic deposits to total assets | 81.9806% | 4,950 |
| Equity capital to assets | 8.2310% | 5,883 |
| Core capital (leverage) ratio | 8.6932% | 5,391 |
| Tier 1 risk-based capital ratio | 9.2160% | 6,583 |
| Total risk-based capital ratio | 10.9548% | 6,505 |
| Memoranda: | ||
| Average total assets | $206,206,500 | 2,983 |
| Average earning assets | $196,886,000 | 2,884 |
| Average equity | $17,570,500 | 3,472 |
| Average total loans | $182,601,000 | 2,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,854 |
| Cost of funding earning assets | 0.2791% | 5,768 |
| Net interest margin | 4.3278% | 1,042 |
| Noninterest income to average assets | 0.4466% | 4,108 |
| Noninterest expense to average assets | 3.5782% | 1,486 |
| Loan and lease loss provision to assets | 0.2466% | 1,463 |
| Net operating income to assets | 0.4583% | 4,915 |
| Return on assets (ROA) | 0.4594% | 5,039 |
| Pretax return on assets | 0.7321% | 4,409 |
| Return on Equity (ROE) | 4.7209% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.0970% | 5,808 |
| Net charge-offs to loans | 0.0538% | 4,471 |
| Credit loss provision to net charge-offs | 528.5714% | 444 |
| Earnings coverage of net charge-offs (x) | 20.9405% | 1,517 |
| Efficiency ratio | 78.5514% | 2,377 |
| Assets per employee ($millions) | 4.9331% | 2,264 |
| Cash dividends to net income (ytd only)* | 97.9444% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,463 |
| Loan loss allowance to noncurrent loans | 544.3890% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 5,684 |
| Noncurrent loans to loans | 0.2271% | 5,507 |
| Net loans and leases to total assets | 88.3719% | 76 |
| Net loans and leases to deposits | 109.1486% | 184 |
| Net loans and leases to core deposits | 135.6573% | 153 |
| Total domestic deposits to total assets | 80.9647% | 5,189 |
| Equity capital to assets | 8.8368% | 5,215 |
| Core capital (leverage) ratio | 9.0831% | 4,883 |
| Tier 1 risk-based capital ratio | 9.5257% | 6,602 |
| Total risk-based capital ratio | 11.2720% | 6,475 |
| Memoranda: | ||
| Average total assets | $180,033,000 | 3,272 |
| Average earning assets | $170,918,000 | 3,207 |
| Average equity | $17,517,800 | 3,494 |
| Average total loans | $156,046,800 | 2,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 1,914 |
| Cost of funding earning assets | 0.2834% | 5,865 |
| Net interest margin | 4.3139% | 1,064 |
| Noninterest income to average assets | 0.4955% | 3,844 |
| Noninterest expense to average assets | 3.5891% | 1,419 |
| Loan and lease loss provision to assets | 0.3028% | 1,117 |
| Net operating income to assets | 0.4363% | 5,085 |
| Return on assets (ROA) | 0.4363% | 5,234 |
| Pretax return on assets | 0.6928% | 4,709 |
| Return on Equity (ROE) | 4.3714% | 5,042 |
| Retained earnings to average equity (ytd only) | 0.1140% | 5,905 |
| Net charge-offs to loans | 0.0468% | 4,240 |
| Credit loss provision to net charge-offs | 752.8302% | 380 |
| Earnings coverage of net charge-offs (x) | 24.7564% | 1,411 |
| Efficiency ratio | 78.2853% | 2,376 |
| Assets per employee ($millions) | 4.6152% | 2,694 |
| Cash dividends to net income (ytd only)* | 97.3912% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,085 |
| Loan loss allowance to noncurrent loans | 454.7170% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 5,225 |
| Noncurrent loans to loans | 0.2989% | 5,484 |
| Net loans and leases to total assets | 85.2730% | 178 |
| Net loans and leases to deposits | 105.7760% | 246 |
| Net loans and leases to core deposits | 124.5983% | 254 |
| Total domestic deposits to total assets | 80.6167% | 5,333 |
| Equity capital to assets | 9.4590% | 4,601 |
| Core capital (leverage) ratio | 9.5422% | 4,344 |
| Tier 1 risk-based capital ratio | 10.5633% | 6,434 |
| Total risk-based capital ratio | 12.4264% | 6,169 |
| Memoranda: | ||
| Average total assets | $175,710,500 | 3,351 |
| Average earning assets | $166,557,750 | 3,295 |
| Average equity | $17,538,000 | 3,524 |
| Average total loans | $150,918,250 | 2,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 2,035 |
| Cost of funding earning assets | 0.2824% | 5,967 |
| Net interest margin | 4.2660% | 1,102 |
| Noninterest income to average assets | 0.5198% | 3,697 |
| Noninterest expense to average assets | 3.6215% | 1,377 |
| Loan and lease loss provision to assets | 0.3508% | 947 |
| Net operating income to assets | 0.3716% | 5,326 |
| Return on assets (ROA) | 0.3716% | 5,499 |
| Pretax return on assets | 0.5882% | 5,059 |
| Return on Equity (ROE) | 3.6553% | 5,356 |
| Retained earnings to average equity (ytd only) | -0.9565% | 6,041 |
| Net charge-offs to loans | 0.0405% | 4,111 |
| Credit loss provision to net charge-offs | 1,010.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 27.0333% | 1,226 |
| Efficiency ratio | 79.4110% | 2,236 |
| Assets per employee ($millions) | 4.5758% | 2,682 |
| Cash dividends to net income (ytd only)* | 126.1682% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,274 |
| Loan loss allowance to noncurrent loans | 499.0476% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,261 |
| Noncurrent loans to loans | 0.2702% | 5,630 |
| Net loans and leases to total assets | 85.9401% | 154 |
| Net loans and leases to deposits | 105.4953% | 234 |
| Net loans and leases to core deposits | 123.3429% | 265 |
| Total domestic deposits to total assets | 81.4634% | 5,224 |
| Equity capital to assets | 9.7317% | 4,256 |
| Core capital (leverage) ratio | 9.9831% | 3,553 |
| Tier 1 risk-based capital ratio | 10.7987% | 6,414 |
| Total risk-based capital ratio | 12.6748% | 6,112 |
| Memoranda: | ||
| Average total assets | $172,745,000 | 3,414 |
| Average earning assets | $163,621,000 | 3,337 |
| Average equity | $17,563,330 | 3,546 |
| Average total loans | $148,028,000 | 2,599 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,865 |
| Cost of funding earning assets | 0.2887% | 6,054 |
| Net interest margin | 4.2988% | 974 |
| Noninterest income to average assets | 0.5604% | 3,367 |
| Noninterest expense to average assets | 3.7013% | 1,246 |
| Loan and lease loss provision to assets | 0.3555% | 915 |
| Net operating income to assets | 0.3791% | 5,215 |
| Return on assets (ROA) | 0.3791% | 5,355 |
| Pretax return on assets | 0.5698% | 5,050 |
| Return on Equity (ROE) | 3.6463% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.6463% | 4,056 |
| Net charge-offs to loans | -0.0222% | 5,761 |
| Credit loss provision to net charge-offs | -1,887.5000% | 5,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 2,331 |
| Assets per employee ($millions) | 4.5314% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 4,549 |
| Loan loss allowance to noncurrent loans | 220.4672% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 4,389 |
| Noncurrent loans to loans | 0.6042% | 4,930 |
| Net loans and leases to total assets | 85.2589% | 150 |
| Net loans and leases to deposits | 101.1618% | 309 |
| Net loans and leases to core deposits | 116.8945% | 331 |
| Total domestic deposits to total assets | 84.2798% | 4,364 |
| Equity capital to assets | 10.2995% | 3,799 |
| Core capital (leverage) ratio | 10.3713% | 2,939 |
| Tier 1 risk-based capital ratio | 11.4427% | 6,215 |
| Total risk-based capital ratio | 13.3467% | 5,803 |
| Memoranda: | ||
| Average total assets | $169,888,500 | 3,493 |
| Average earning assets | $160,695,500 | 3,418 |
| Average equity | $17,661,500 | 3,568 |
| Average total loans | $144,310,500 | 2,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 2,489 |
| Cost of funding earning assets | 0.3205% | 6,353 |
| Net interest margin | 4.4059% | 1,151 |
| Noninterest income to average assets | 1.0959% | 1,287 |
| Noninterest expense to average assets | 3.8445% | 1,177 |
| Loan and lease loss provision to assets | 0.7217% | 706 |
| Net operating income to assets | 0.4348% | 4,946 |
| Return on assets (ROA) | 0.4524% | 5,118 |
| Pretax return on assets | 0.6829% | 4,721 |
| Return on Equity (ROE) | 4.2121% | 5,055 |
| Retained earnings to average equity (ytd only) | -1.4342% | 6,080 |
| Net charge-offs to loans | 0.4786% | 2,327 |
| Credit loss provision to net charge-offs | 189.4904% | 1,381 |
| Earnings coverage of net charge-offs (x) | 3.6178% | 3,658 |
| Efficiency ratio | 73.6151% | 3,130 |
| Assets per employee ($millions) | 4.4101% | 3,128 |
| Cash dividends to net income (ytd only)* | 134.0483% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,617 |
| Loan loss allowance to noncurrent loans | 186.5916% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 4,322 |
| Noncurrent loans to loans | 0.6987% | 4,794 |
| Net loans and leases to total assets | 82.3504% | 310 |
| Net loans and leases to deposits | 99.5298% | 431 |
| Net loans and leases to core deposits | 112.1607% | 464 |
| Total domestic deposits to total assets | 82.7395% | 4,829 |
| Equity capital to assets | 10.4950% | 3,534 |
| Core capital (leverage) ratio | 10.4599% | 2,815 |
| Tier 1 risk-based capital ratio | 11.9662% | 5,813 |
| Total risk-based capital ratio | 13.9082% | 5,300 |
| Memoranda: | ||
| Average total assets | $164,883,600 | 3,536 |
| Average earning assets | $154,429,200 | 3,477 |
| Average equity | $17,710,800 | 3,508 |
| Average total loans | $131,206,000 | 2,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 2,593 |
| Cost of funding earning assets | 0.3249% | 6,489 |
| Net interest margin | 4.4222% | 1,160 |
| Noninterest income to average assets | 0.9752% | 1,581 |
| Noninterest expense to average assets | 3.7594% | 1,275 |
| Loan and lease loss provision to assets | 0.7795% | 621 |
| Net operating income to assets | 0.3882% | 5,301 |
| Return on assets (ROA) | 0.4125% | 5,426 |
| Pretax return on assets | 0.6057% | 5,149 |
| Return on Equity (ROE) | 3.8177% | 5,360 |
| Retained earnings to average equity (ytd only) | -1.8187% | 6,373 |
| Net charge-offs to loans | 0.6282% | 1,747 |
| Credit loss provision to net charge-offs | 157.8947% | 1,777 |
| Earnings coverage of net charge-offs (x) | 2.7335% | 3,941 |
| Efficiency ratio | 73.5855% | 3,052 |
| Assets per employee ($millions) | 4.4012% | 3,072 |
| Cash dividends to net income (ytd only)* | 147.6377% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,995 |
| Loan loss allowance to noncurrent loans | 176.0917% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 3,700 |
| Noncurrent loans to loans | 0.7168% | 4,999 |
| Net loans and leases to total assets | 77.4801% | 794 |
| Net loans and leases to deposits | 90.6297% | 1,080 |
| Net loans and leases to core deposits | 102.5747% | 952 |
| Total domestic deposits to total assets | 85.4909% | 3,511 |
| Equity capital to assets | 10.8209% | 3,474 |
| Core capital (leverage) ratio | 10.4778% | 2,938 |
| Tier 1 risk-based capital ratio | 12.7305% | 5,456 |
| Total risk-based capital ratio | 14.6467% | 4,908 |
| Memoranda: | ||
| Average total assets | $164,208,250 | 3,579 |
| Average earning assets | $153,495,500 | 3,525 |
| Average equity | $17,741,500 | 3,542 |
| Average total loans | $129,050,000 | 2,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 2,908 |
| Cost of funding earning assets | 0.3303% | 6,600 |
| Net interest margin | 4.3708% | 1,277 |
| Noninterest income to average assets | 0.7931% | 2,221 |
| Noninterest expense to average assets | 3.6365% | 1,497 |
| Loan and lease loss provision to assets | 0.8041% | 621 |
| Net operating income to assets | 0.3150% | 5,566 |
| Return on assets (ROA) | 0.3534% | 5,635 |
| Pretax return on assets | 0.4883% | 5,475 |
| Return on Equity (ROE) | 3.2730% | 5,577 |
| Retained earnings to average equity (ytd only) | -2.3507% | 6,394 |
| Net charge-offs to loans | 0.2178% | 3,270 |
| Credit loss provision to net charge-offs | 469.5035% | 642 |
| Earnings coverage of net charge-offs (x) | 7.2340% | 2,517 |
| Efficiency ratio | 74.5889% | 2,973 |
| Assets per employee ($millions) | 4.3830% | 3,114 |
| Cash dividends to net income (ytd only)* | 171.8213% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,819 |
| Loan loss allowance to noncurrent loans | 94.0369% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 2,847 |
| Noncurrent loans to loans | 1.4005% | 3,820 |
| Net loans and leases to total assets | 82.3347% | 319 |
| Net loans and leases to deposits | 99.4192% | 445 |
| Net loans and leases to core deposits | 110.3651% | 562 |
| Total domestic deposits to total assets | 82.8157% | 4,817 |
| Equity capital to assets | 10.8601% | 3,279 |
| Core capital (leverage) ratio | 10.6941% | 2,604 |
| Tier 1 risk-based capital ratio | 12.1622% | 5,823 |
| Total risk-based capital ratio | 14.1076% | 5,266 |
| Memoranda: | ||
| Average total assets | $164,663,330 | 3,595 |
| Average earning assets | $153,794,000 | 3,540 |
| Average equity | $17,781,670 | 3,527 |
| Average total loans | $129,472,000 | 2,936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 3,601 |
| Cost of funding earning assets | 0.3413% | 6,675 |
| Net interest margin | 4.2374% | 1,646 |
| Noninterest income to average assets | 0.7450% | 2,425 |
| Noninterest expense to average assets | 3.5971% | 1,565 |
| Loan and lease loss provision to assets | 0.7353% | 694 |
| Net operating income to assets | 0.3303% | 5,552 |
| Return on assets (ROA) | 0.3303% | 5,723 |
| Pretax return on assets | 0.3641% | 5,823 |
| Return on Equity (ROE) | 3.0672% | 5,694 |
| Retained earnings to average equity (ytd only) | 3.0672% | 4,722 |
| Net charge-offs to loans | -0.0537% | 6,553 |
| Credit loss provision to net charge-offs | -1,794.1176% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5914% | 2,698 |
| Assets per employee ($millions) | 4.5462% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,350 |
| Loan loss allowance to noncurrent loans | 63.1684% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2766% | 2,618 |
| Noncurrent loans to loans | 1.9519% | 3,218 |
| Net loans and leases to total assets | 77.4776% | 639 |
| Net loans and leases to deposits | 93.0050% | 727 |
| Net loans and leases to core deposits | 103.9778% | 765 |
| Total domestic deposits to total assets | 83.3048% | 4,811 |
| Equity capital to assets | 10.9566% | 2,958 |
| Core capital (leverage) ratio | 10.9693% | 2,282 |
| Tier 1 risk-based capital ratio | 12.6763% | 5,470 |
| Total risk-based capital ratio | 14.5223% | 4,992 |
| Memoranda: | ||
| Average total assets | $165,909,500 | 3,582 |
| Average earning assets | $154,718,000 | 3,539 |
| Average equity | $17,866,500 | 3,523 |
| Average total loans | $126,555,500 | 3,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 2,737 |
| Cost of funding earning assets | 0.6006% | 6,089 |
| Net interest margin | 4.4353% | 1,302 |
| Noninterest income to average assets | 0.5630% | 3,405 |
| Noninterest expense to average assets | 3.5227% | 1,930 |
| Loan and lease loss provision to assets | 0.5527% | 1,887 |
| Net operating income to assets | 0.3840% | 4,933 |
| Return on assets (ROA) | 0.3840% | 5,103 |
| Pretax return on assets | 0.6054% | 4,677 |
| Return on Equity (ROE) | 4.0623% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.0623% | 3,299 |
| Net charge-offs to loans | 0.8359% | 2,073 |
| Credit loss provision to net charge-offs | 82.7899% | 4,334 |
| Earnings coverage of net charge-offs (x) | 1.7346% | 4,473 |
| Efficiency ratio | 75.2584% | 3,013 |
| Assets per employee ($millions) | 4.6710% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,167 |
| Loan loss allowance to noncurrent loans | 147.6581% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6146% | 3,535 |
| Noncurrent loans to loans | 0.6847% | 5,330 |
| Net loans and leases to total assets | 73.4227% | 1,372 |
| Net loans and leases to deposits | 87.8647% | 1,400 |
| Net loans and leases to core deposits | 99.5027% | 1,219 |
| Total domestic deposits to total assets | 83.5634% | 4,511 |
| Equity capital to assets | 10.5861% | 3,433 |
| Core capital (leverage) ratio | 10.3893% | 2,858 |
| Tier 1 risk-based capital ratio | 12.9172% | 5,141 |
| Total risk-based capital ratio | 14.5767% | 4,799 |
| Memoranda: | ||
| Average total assets | $165,356,600 | 3,564 |
| Average earning assets | $153,518,200 | 3,519 |
| Average equity | $15,631,400 | 3,784 |
| Average total loans | $132,073,200 | 2,952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 2,309 |
| Cost of funding earning assets | 0.6485% | 6,042 |
| Net interest margin | 4.5220% | 1,093 |
| Noninterest income to average assets | 0.7344% | 2,391 |
| Noninterest expense to average assets | 3.6730% | 1,559 |
| Loan and lease loss provision to assets | 0.5522% | 1,781 |
| Net operating income to assets | 0.4478% | 4,789 |
| Return on assets (ROA) | 0.4478% | 4,981 |
| Pretax return on assets | 0.7045% | 4,461 |
| Return on Equity (ROE) | 4.8864% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.8864% | 3,249 |
| Net charge-offs to loans | 0.3276% | 3,462 |
| Credit loss provision to net charge-offs | 207.2948% | 1,413 |
| Earnings coverage of net charge-offs (x) | 4.7173% | 2,984 |
| Efficiency ratio | 74.5072% | 3,084 |
| Assets per employee ($millions) | 4.6879% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,470 |
| Loan loss allowance to noncurrent loans | 79.5064% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.3340% | 2,748 |
| Noncurrent loans to loans | 1.7849% | 3,657 |
| Net loans and leases to total assets | 74.2537% | 1,292 |
| Net loans and leases to deposits | 88.6910% | 1,357 |
| Net loans and leases to core deposits | 100.6862% | 1,188 |
| Total domestic deposits to total assets | 83.7218% | 4,362 |
| Equity capital to assets | 10.4624% | 3,755 |
| Core capital (leverage) ratio | 10.3638% | 3,016 |
| Tier 1 risk-based capital ratio | 12.7011% | 5,329 |
| Total risk-based capital ratio | 14.6768% | 4,762 |
| Memoranda: | ||
| Average total assets | $164,657,000 | 3,595 |
| Average earning assets | $152,760,250 | 3,554 |
| Average equity | $15,089,000 | 3,897 |
| Average total loans | $133,910,250 | 2,943 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 2,307 |
| Cost of funding earning assets | 0.6756% | 6,099 |
| Net interest margin | 4.5121% | 1,106 |
| Noninterest income to average assets | 0.6982% | 2,563 |
| Noninterest expense to average assets | 3.6757% | 1,573 |
| Loan and lease loss provision to assets | 0.6149% | 1,559 |
| Net operating income to assets | 0.4079% | 4,906 |
| Return on assets (ROA) | 0.4079% | 5,064 |
| Pretax return on assets | 0.6369% | 4,625 |
| Return on Equity (ROE) | 4.6793% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.6793% | 3,207 |
| Net charge-offs to loans | 0.4362% | 2,829 |
| Credit loss provision to net charge-offs | 169.0236% | 1,785 |
| Earnings coverage of net charge-offs (x) | 3.4411% | 3,166 |
| Efficiency ratio | 74.5961% | 3,254 |
| Assets per employee ($millions) | 4.7311% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,606 |
| Loan loss allowance to noncurrent loans | 83.3837% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.2840% | 2,875 |
| Noncurrent loans to loans | 1.4229% | 4,287 |
| Net loans and leases to total assets | 83.2907% | 285 |
| Net loans and leases to deposits | 101.9221% | 395 |
| Net loans and leases to core deposits | 118.6244% | 453 |
| Total domestic deposits to total assets | 81.7199% | 5,265 |
| Equity capital to assets | 8.7542% | 5,873 |
| Core capital (leverage) ratio | 8.7125% | 5,205 |
| Tier 1 risk-based capital ratio | 9.7694% | 7,041 |
| Total risk-based capital ratio | 11.2887% | 6,958 |
| Memoranda: | ||
| Average total assets | $163,287,330 | 3,626 |
| Average earning assets | $153,055,670 | 3,576 |
| Average equity | $14,233,000 | 4,078 |
| Average total loans | $136,174,000 | 2,928 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 2,417 |
| Cost of funding earning assets | 0.6940% | 6,167 |
| Net interest margin | 4.4598% | 1,152 |
| Noninterest income to average assets | 0.6809% | 2,676 |
| Noninterest expense to average assets | 3.7425% | 1,454 |
| Loan and lease loss provision to assets | 0.5724% | 1,507 |
| Net operating income to assets | 0.3602% | 5,122 |
| Return on assets (ROA) | 0.3602% | 5,205 |
| Pretax return on assets | 0.5354% | 4,914 |
| Return on Equity (ROE) | 4.1414% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.1414% | 3,681 |
| Net charge-offs to loans | 0.0119% | 4,917 |
| Credit loss provision to net charge-offs | 5,800.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 112.2500% | 292 |
| Efficiency ratio | 77.1617% | 2,961 |
| Assets per employee ($millions) | 4.8155% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 5,473 |
| Loan loss allowance to noncurrent loans | 194.7796% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.9380% | 3,385 |
| Noncurrent loans to loans | 0.6323% | 5,771 |
| Net loans and leases to total assets | 82.2461% | 329 |
| Net loans and leases to deposits | 100.9892% | 420 |
| Net loans and leases to core deposits | 118.5347% | 457 |
| Total domestic deposits to total assets | 81.4404% | 5,518 |
| Equity capital to assets | 8.6492% | 5,717 |
| Core capital (leverage) ratio | 8.6757% | 5,132 |
| Tier 1 risk-based capital ratio | 9.8120% | 7,063 |
| Total risk-based capital ratio | 11.5108% | 6,902 |
| Memoranda: | ||
| Average total assets | $162,136,000 | 3,665 |
| Average earning assets | $151,577,000 | 3,615 |
| Average equity | $14,101,500 | 4,094 |
| Average total loans | $134,472,500 | 2,993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 3,705 |
| Cost of funding earning assets | 0.9251% | 6,051 |
| Net interest margin | 4.2540% | 1,982 |
| Noninterest income to average assets | 0.3946% | 4,944 |
| Noninterest expense to average assets | 3.2827% | 2,788 |
| Loan and lease loss provision to assets | 1.0794% | 1,484 |
| Net operating income to assets | -0.0165% | 5,872 |
| Return on assets (ROA) | 0.1031% | 5,719 |
| Pretax return on assets | 0.1426% | 5,616 |
| Return on Equity (ROE) | 1.2170% | 5,643 |
| Retained earnings to average equity (ytd only) | 1.2170% | 4,943 |
| Net charge-offs to loans | 1.2417% | 1,807 |
| Credit loss provision to net charge-offs | 107.8347% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.0549% | 5,055 |
| Efficiency ratio | 75.6618% | 3,099 |
| Assets per employee ($millions) | 4.7219% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,971 |
| Loan loss allowance to noncurrent loans | 167.3587% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9795% | 3,373 |
| Noncurrent loans to loans | 0.6538% | 5,748 |
| Net loans and leases to total assets | 81.6942% | 474 |
| Net loans and leases to deposits | 100.3558% | 556 |
| Net loans and leases to core deposits | 117.6604% | 590 |
| Total domestic deposits to total assets | 81.4046% | 5,387 |
| Equity capital to assets | 8.7465% | 5,517 |
| Core capital (leverage) ratio | 8.6221% | 5,157 |
| Tier 1 risk-based capital ratio | 10.0567% | 6,955 |
| Total risk-based capital ratio | 11.6539% | 6,742 |
| Memoranda: | ||
| Average total assets | $161,938,600 | 3,661 |
| Average earning assets | $150,140,200 | 3,631 |
| Average equity | $13,722,400 | 4,207 |
| Average total loans | $130,544,600 | 3,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 3,521 |
| Cost of funding earning assets | 0.9872% | 5,996 |
| Net interest margin | 4.2755% | 1,934 |
| Noninterest income to average assets | 0.5094% | 4,102 |
| Noninterest expense to average assets | 3.4925% | 2,051 |
| Loan and lease loss provision to assets | 1.3507% | 1,011 |
| Net operating income to assets | -0.2798% | 6,414 |
| Return on assets (ROA) | -0.1175% | 6,290 |
| Pretax return on assets | -0.1577% | 6,277 |
| Return on Equity (ROE) | -1.3975% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.3975% | 6,082 |
| Net charge-offs to loans | 1.6591% | 1,190 |
| Credit loss provision to net charge-offs | 101.6069% | 4,243 |
| Earnings coverage of net charge-offs (x) | 0.7324% | 5,325 |
| Efficiency ratio | 78.2009% | 2,595 |
| Assets per employee ($millions) | 4.7656% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 6,221 |
| Loan loss allowance to noncurrent loans | 85.3890% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 3,280 |
| Noncurrent loans to loans | 1.2174% | 4,812 |
| Net loans and leases to total assets | 77.0493% | 1,213 |
| Net loans and leases to deposits | 92.4755% | 1,388 |
| Net loans and leases to core deposits | 114.1036% | 827 |
| Total domestic deposits to total assets | 83.3186% | 4,451 |
| Equity capital to assets | 8.3743% | 6,422 |
| Core capital (leverage) ratio | 8.2561% | 5,954 |
| Tier 1 risk-based capital ratio | 9.9464% | 7,093 |
| Total risk-based capital ratio | 11.6324% | 6,840 |
| Memoranda: | ||
| Average total assets | $162,287,000 | 3,711 |
| Average earning assets | $150,184,750 | 3,681 |
| Average equity | $13,642,500 | 4,290 |
| Average total loans | $130,029,000 | 3,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 3,355 |
| Cost of funding earning assets | 1.0076% | 6,099 |
| Net interest margin | 4.3158% | 1,716 |
| Noninterest income to average assets | 0.4901% | 4,192 |
| Noninterest expense to average assets | 3.2988% | 2,567 |
| Loan and lease loss provision to assets | 0.9765% | 1,484 |
| Net operating income to assets | 0.1317% | 5,779 |
| Return on assets (ROA) | 0.2562% | 5,493 |
| Pretax return on assets | 0.3968% | 5,237 |
| Return on Equity (ROE) | 3.0442% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.0442% | 4,171 |
| Net charge-offs to loans | 1.0117% | 1,843 |
| Credit loss provision to net charge-offs | 119.3009% | 3,410 |
| Earnings coverage of net charge-offs (x) | 1.4438% | 4,406 |
| Efficiency ratio | 73.6258% | 3,540 |
| Assets per employee ($millions) | 4.7189% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 6,055 |
| Loan loss allowance to noncurrent loans | 210.9012% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 3,714 |
| Noncurrent loans to loans | 0.5101% | 6,232 |
| Net loans and leases to total assets | 80.7830% | 694 |
| Net loans and leases to deposits | 97.9812% | 877 |
| Net loans and leases to core deposits | 123.2593% | 593 |
| Total domestic deposits to total assets | 82.4474% | 4,803 |
| Equity capital to assets | 8.4294% | 6,254 |
| Core capital (leverage) ratio | 8.3772% | 5,614 |
| Tier 1 risk-based capital ratio | 9.6390% | 7,205 |
| Total risk-based capital ratio | 11.7134% | 6,695 |
| Memoranda: | ||
| Average total assets | $160,783,670 | 3,774 |
| Average earning assets | $148,663,000 | 3,724 |
| Average equity | $13,534,000 | 4,310 |
| Average total loans | $130,083,330 | 3,200 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 3,571 |
| Cost of funding earning assets | 1.0232% | 6,264 |
| Net interest margin | 4.2728% | 1,772 |
| Noninterest income to average assets | 0.4843% | 4,164 |
| Noninterest expense to average assets | 3.3923% | 2,257 |
| Loan and lease loss provision to assets | 0.6457% | 1,958 |
| Net operating income to assets | 0.2774% | 5,382 |
| Return on assets (ROA) | 0.2774% | 5,512 |
| Pretax return on assets | 0.3960% | 5,302 |
| Return on Equity (ROE) | 3.2984% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.2984% | 4,165 |
| Net charge-offs to loans | 0.4793% | 2,620 |
| Credit loss provision to net charge-offs | 167.3203% | 2,171 |
| Earnings coverage of net charge-offs (x) | 2.6993% | 3,188 |
| Efficiency ratio | 76.5074% | 3,131 |
| Assets per employee ($millions) | 4.5577% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,972 |
| Loan loss allowance to noncurrent loans | 229.0530% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8612% | 3,687 |
| Noncurrent loans to loans | 0.4836% | 6,331 |
| Net loans and leases to total assets | 79.8615% | 859 |
| Net loans and leases to deposits | 98.0716% | 904 |
| Net loans and leases to core deposits | 118.9329% | 826 |
| Total domestic deposits to total assets | 81.4318% | 5,298 |
| Equity capital to assets | 8.5162% | 5,982 |
| Core capital (leverage) ratio | 8.3185% | 5,707 |
| Tier 1 risk-based capital ratio | 9.7114% | 7,204 |
| Total risk-based capital ratio | 11.8466% | 6,534 |
| Memoranda: | ||
| Average total assets | $158,595,000 | 3,869 |
| Average earning assets | $146,601,000 | 3,825 |
| Average equity | $13,340,000 | 4,397 |
| Average total loans | $127,688,500 | 3,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5739% | 3,737 |
| Cost of funding earning assets | 1.3488% | 6,146 |
| Net interest margin | 4.2251% | 1,992 |
| Noninterest income to average assets | 0.5641% | 3,911 |
| Noninterest expense to average assets | 3.5878% | 2,180 |
| Loan and lease loss provision to assets | 0.5977% | 3,404 |
| Net operating income to assets | 0.2176% | 4,843 |
| Return on assets (ROA) | 0.2203% | 4,897 |
| Pretax return on assets | 0.2806% | 4,816 |
| Return on Equity (ROE) | 2.7193% | 4,618 |
| Retained earnings to average equity (ytd only) | 2.7193% | 3,252 |
| Net charge-offs to loans | 0.6574% | 3,214 |
| Credit loss provision to net charge-offs | 116.2347% | 4,671 |
| Earnings coverage of net charge-offs (x) | 1.7012% | 4,462 |
| Efficiency ratio | 80.3962% | 2,827 |
| Assets per employee ($millions) | 4.7779% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 6,147 |
| Loan loss allowance to noncurrent loans | 171.2807% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 3,426 |
| Noncurrent loans to loans | 0.6108% | 6,023 |
| Net loans and leases to total assets | 79.4260% | 1,111 |
| Net loans and leases to deposits | 98.7284% | 1,030 |
| Net loans and leases to core deposits | 134.6309% | 1,019 |
| Total domestic deposits to total assets | 80.4490% | 5,537 |
| Equity capital to assets | 8.3053% | 6,189 |
| Core capital (leverage) ratio | 8.4618% | 5,341 |
| Tier 1 risk-based capital ratio | 9.5700% | 7,184 |
| Total risk-based capital ratio | 11.6639% | 6,456 |
| Memoranda: | ||
| Average total assets | $142,539,800 | 4,065 |
| Average earning assets | $131,523,000 | 4,053 |
| Average equity | $11,547,000 | 4,863 |
| Average total loans | $111,492,800 | 3,656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,719 |
| Cost of funding earning assets | 1.4419% | 6,071 |
| Net interest margin | 4.1830% | 2,119 |
| Noninterest income to average assets | 0.5698% | 3,926 |
| Noninterest expense to average assets | 3.5591% | 2,126 |
| Loan and lease loss provision to assets | 0.5823% | 3,056 |
| Net operating income to assets | 0.2391% | 5,022 |
| Return on assets (ROA) | 0.2431% | 5,096 |
| Pretax return on assets | 0.2940% | 5,079 |
| Return on Equity (ROE) | 3.0226% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.0226% | 3,640 |
| Net charge-offs to loans | 0.7896% | 2,390 |
| Credit loss provision to net charge-offs | 94.9843% | 5,340 |
| Earnings coverage of net charge-offs (x) | 1.4216% | 4,718 |
| Efficiency ratio | 80.3296% | 2,792 |
| Assets per employee ($millions) | 4.4070% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 6,139 |
| Loan loss allowance to noncurrent loans | 276.0000% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 1.9054% | 3,492 |
| Noncurrent loans to loans | 0.3710% | 6,607 |
| Net loans and leases to total assets | 77.9650% | 1,579 |
| Net loans and leases to deposits | 96.3176% | 1,532 |
| Net loans and leases to core deposits | 127.9319% | 1,584 |
| Total domestic deposits to total assets | 80.9457% | 5,099 |
| Equity capital to assets | 8.6350% | 6,061 |
| Core capital (leverage) ratio | 8.3391% | 5,767 |
| Tier 1 risk-based capital ratio | 9.8034% | 7,137 |
| Total risk-based capital ratio | 11.9440% | 6,232 |
| Memoranda: | ||
| Average total assets | $138,757,250 | 4,166 |
| Average earning assets | $128,069,250 | 4,147 |
| Average equity | $11,160,000 | 5,028 |
| Average total loans | $107,727,250 | 3,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 4,695 |
| Cost of funding earning assets | 1.5012% | 6,134 |
| Net interest margin | 3.9883% | 2,749 |
| Noninterest income to average assets | 0.3516% | 5,691 |
| Noninterest expense to average assets | 3.4673% | 2,435 |
| Loan and lease loss provision to assets | 0.2681% | 4,441 |
| Net operating income to assets | 0.2700% | 5,014 |
| Return on assets (ROA) | 0.2769% | 5,097 |
| Pretax return on assets | 0.2974% | 5,220 |
| Return on Equity (ROE) | 3.5347% | 4,694 |
| Retained earnings to average equity (ytd only) | 3.5347% | 3,337 |
| Net charge-offs to loans | 0.2181% | 4,136 |
| Credit loss provision to net charge-offs | 159.1304% | 2,887 |
| Earnings coverage of net charge-offs (x) | 3.3130% | 3,488 |
| Efficiency ratio | 86.1354% | 2,216 |
| Assets per employee ($millions) | 4.5242% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,495 |
| Loan loss allowance to noncurrent loans | 144.6591% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 2.2048% | 2,933 |
| Noncurrent loans to loans | 0.7704% | 5,692 |
| Net loans and leases to total assets | 78.0215% | 1,737 |
| Net loans and leases to deposits | 97.6680% | 1,573 |
| Net loans and leases to core deposits | 129.4453% | 1,619 |
| Total domestic deposits to total assets | 79.8844% | 5,515 |
| Equity capital to assets | 8.4070% | 6,180 |
| Core capital (leverage) ratio | 8.4271% | 5,571 |
| Tier 1 risk-based capital ratio | 9.3352% | 7,519 |
| Total risk-based capital ratio | 11.5045% | 6,573 |
| Memoranda: | ||
| Average total assets | $136,532,330 | 4,245 |
| Average earning assets | $125,768,670 | 4,230 |
| Average equity | $10,694,000 | 5,162 |
| Average total loans | $105,450,000 | 3,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 5,327 |
| Cost of funding earning assets | 1.5465% | 6,253 |
| Net interest margin | 3.8711% | 3,186 |
| Noninterest income to average assets | 0.3414% | 5,725 |
| Noninterest expense to average assets | 3.5435% | 1,993 |
| Loan and lease loss provision to assets | 0.1964% | 4,474 |
| Net operating income to assets | 0.2326% | 5,555 |
| Return on assets (ROA) | 0.2235% | 5,749 |
| Pretax return on assets | 0.1541% | 6,040 |
| Return on Equity (ROE) | 2.9732% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.9732% | 4,222 |
| Net charge-offs to loans | 0.1504% | 3,759 |
| Credit loss provision to net charge-offs | 171.0526% | 2,505 |
| Earnings coverage of net charge-offs (x) | 3.1316% | 3,276 |
| Efficiency ratio | 90.7895% | 1,666 |
| Assets per employee ($millions) | 3.9851% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,796 |
| Loan loss allowance to noncurrent loans | 188.0916% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 2.1897% | 2,609 |
| Noncurrent loans to loans | 0.6389% | 5,814 |
| Net loans and leases to total assets | 74.7592% | 2,565 |
| Net loans and leases to deposits | 93.0858% | 2,421 |
| Net loans and leases to core deposits | 125.1730% | 1,982 |
| Total domestic deposits to total assets | 80.3122% | 5,236 |
| Equity capital to assets | 7.3995% | 7,423 |
| Core capital (leverage) ratio | 7.4295% | 7,236 |
| Tier 1 risk-based capital ratio | 8.3901% | 7,961 |
| Total risk-based capital ratio | 10.7250% | 7,398 |
| Memoranda: | ||
| Average total assets | $132,412,000 | 4,366 |
| Average earning assets | $121,825,000 | 4,336 |
| Average equity | $9,955,500 | 5,400 |
| Average total loans | $101,061,500 | 4,006 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5000% | 2,960 |
| Cost of funding earning assets | 2.0341% | 6,307 |
| Net interest margin | 4.4659% | 1,501 |
| Noninterest income to average assets | 0.4364% | 5,157 |
| Noninterest expense to average assets | 3.5154% | 2,353 |
| Loan and lease loss provision to assets | 0.6479% | 2,249 |
| Net operating income to assets | 0.2629% | 5,671 |
| Return on assets (ROA) | 0.2956% | 5,373 |
| Pretax return on assets | 0.4466% | 5,130 |
| Return on Equity (ROE) | 3.8878% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.8878% | 2,708 |
| Net charge-offs to loans | 0.7538% | 1,646 |
| Credit loss provision to net charge-offs | 110.9017% | 4,862 |
| Earnings coverage of net charge-offs (x) | 1.7887% | 5,180 |
| Efficiency ratio | 77.0862% | 3,063 |
| Assets per employee ($millions) | 4.0415% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 4,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 2,746 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.0781% | 2,600 |
| Net loans and leases to deposits | 93.2616% | 2,910 |
| Net loans and leases to core deposits | 119.6287% | 2,727 |
| Total domestic deposits to total assets | 81.5749% | 4,377 |
| Equity capital to assets | 7.6433% | 7,264 |
| Core capital (leverage) ratio | 7.4288% | 7,285 |
| Tier 1 risk-based capital ratio | 8.3730% | 8,017 |
| Total risk-based capital ratio | 10.6985% | 7,277 |
| Memoranda: | ||
| Average total assets | $127,184,600 | 4,343 |
| Average earning assets | $117,446,000 | 4,323 |
| Average equity | $9,671,200 | 5,517 |
| Average total loans | $98,569,200 | 3,989 |