Home > The Farmers and Merchants National Bank of Nashville > Performance and Condition Ratios
The Farmers and Merchants National Bank of Nashville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 4,063 |
| Cost of funding earning assets | 0.4922% | 4,201 |
| Net interest margin | 3.4300% | 2,341 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.2876% | 2,882 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4005% | 1,214 |
| Return on assets (ROA) | 1.3552% | 1,281 |
| Pretax return on assets | 1.3791% | 1,681 |
| Return on Equity (ROE) | 19.7900% | 631 |
| Retained earnings to average equity (ytd only) | 8.4516% | 1,409 |
| Net charge-offs to loans | 0.0038% | 2,607 |
| Credit loss provision to net charge-offs | 1,666.6667% | 273 |
| Earnings coverage of net charge-offs (x) | 644.1667% | 227 |
| Efficiency ratio | 60.9911% | 2,973 |
| Assets per employee ($millions) | 5.7320% | 3,042 |
| Cash dividends to net income (ytd only)* | 57.2905% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 3,595 |
| 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 | 62.5400% | 2,620 |
| Net loans and leases to deposits | 75.8736% | 2,465 |
| Net loans and leases to core deposits | 78.7839% | 2,777 |
| Total domestic deposits to total assets | 82.4300% | 3,042 |
| Equity capital to assets | 7.3836% | 3,779 |
| Core capital (leverage) ratio | 10.4434% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1766% | 1,231 |
| Memoranda: | ||
| Average total assets | $264,166,400 | 2,600 |
| Average earning assets | $249,504,000 | 2,574 |
| Average equity | $18,091,200 | 3,002 |
| Average total loans | $156,855,800 | 2,620 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 4,078 |
| Cost of funding earning assets | 0.4153% | 4,238 |
| Net interest margin | 3.4204% | 2,411 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.3012% | 2,791 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4028% | 1,311 |
| Return on assets (ROA) | 1.3403% | 1,428 |
| Pretax return on assets | 1.3643% | 1,861 |
| Return on Equity (ROE) | 19.9800% | 727 |
| Retained earnings to average equity (ytd only) | 9.5272% | 1,543 |
| Net charge-offs to loans | 0.0052% | 2,273 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 476.6667% | 318 |
| Efficiency ratio | 61.2046% | 2,817 |
| Assets per employee ($millions) | 5.6442% | 3,069 |
| Cash dividends to net income (ytd only)* | 52.3212% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,384 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.3800% | 2,801 |
| Net loans and leases to deposits | 64.3781% | 3,240 |
| Net loans and leases to core deposits | 66.6461% | 3,396 |
| Total domestic deposits to total assets | 93.7900% | 207 |
| Equity capital to assets | 6.0158% | 3,981 |
| Core capital (leverage) ratio | 10.4947% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3947% | 1,039 |
| Memoranda: | ||
| Average total assets | $261,424,250 | 2,619 |
| Average earning assets | $247,213,500 | 2,593 |
| Average equity | $17,535,250 | 3,036 |
| Average total loans | $152,645,000 | 2,659 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,089 |
| Cost of funding earning assets | 0.3524% | 4,238 |
| Net interest margin | 3.3925% | 2,541 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.3059% | 2,789 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3911% | 1,358 |
| Return on assets (ROA) | 1.2984% | 1,556 |
| Pretax return on assets | 1.3190% | 2,024 |
| Return on Equity (ROE) | 18.7200% | 867 |
| Retained earnings to average equity (ytd only) | 9.0239% | 1,678 |
| Net charge-offs to loans | 0.0053% | 2,069 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 470.5000% | 320 |
| Efficiency ratio | 61.6153% | 2,757 |
| Assets per employee ($millions) | 5.5863% | 3,070 |
| Cash dividends to net income (ytd only)* | 51.7931% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.8500% | 2,877 |
| Net loans and leases to deposits | 64.2335% | 3,174 |
| Net loans and leases to core deposits | 67.7655% | 3,244 |
| Total domestic deposits to total assets | 91.6100% | 482 |
| Equity capital to assets | 6.9790% | 3,812 |
| Core capital (leverage) ratio | 10.3853% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5314% | 1,030 |
| Memoranda: | ||
| Average total assets | $262,021,667 | 2,625 |
| Average earning assets | $247,428,000 | 2,599 |
| Average equity | $18,174,000 | 3,009 |
| Average total loans | $150,744,333 | 2,666 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,132 |
| Cost of funding earning assets | 0.2939% | 4,212 |
| Net interest margin | 3.3292% | 2,799 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.2786% | 2,875 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3736% | 1,476 |
| Return on assets (ROA) | 1.1854% | 1,936 |
| Pretax return on assets | 1.2051% | 2,412 |
| Return on Equity (ROE) | 17.1400% | 1,151 |
| Retained earnings to average equity (ytd only) | 14.3872% | 890 |
| Net charge-offs to loans | 0.0027% | 1,929 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 939.0000% | 111 |
| Efficiency ratio | 61.6108% | 2,743 |
| Assets per employee ($millions) | 5.6066% | 3,111 |
| Cash dividends to net income (ytd only)* | 16.0714% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,301 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.1700% | 3,101 |
| Net loans and leases to deposits | 59.5546% | 3,358 |
| Net loans and leases to core deposits | 62.5467% | 3,419 |
| Total domestic deposits to total assets | 92.6300% | 368 |
| Equity capital to assets | 7.2517% | 3,700 |
| Core capital (leverage) ratio | 10.2893% | 2,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8108% | 1,022 |
| Memoranda: | ||
| Average total assets | $264,546,500 | 2,643 |
| Average earning assets | $250,390,000 | 2,619 |
| Average equity | $18,294,000 | 3,028 |
| Average total loans | $149,732,500 | 2,703 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 3,605 |
| Cost of funding earning assets | 0.1209% | 4,277 |
| Net interest margin | 3.1689% | 2,962 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.2439% | 2,912 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2513% | 1,599 |
| Return on assets (ROA) | 1.2430% | 1,573 |
| Pretax return on assets | 1.2630% | 2,227 |
| Return on Equity (ROE) | 16.1800% | 1,021 |
| Retained earnings to average equity (ytd only) | 9.4295% | 1,343 |
| Net charge-offs to loans | -0.0007% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7258% | 2,534 |
| Assets per employee ($millions) | 5.5329% | 3,182 |
| Cash dividends to net income (ytd only)* | 41.7157% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 3,950 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.9600% | 2,919 |
| Net loans and leases to deposits | 62.5650% | 3,149 |
| Net loans and leases to core deposits | 63.8141% | 3,274 |
| Total domestic deposits to total assets | 91.0400% | 942 |
| Equity capital to assets | 6.5814% | 3,869 |
| Core capital (leverage) ratio | 9.8969% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1208% | 1,105 |
| Memoranda: | ||
| Average total assets | $259,769,000 | 2,672 |
| Average earning assets | $247,244,200 | 2,635 |
| Average equity | $19,958,600 | 2,952 |
| Average total loans | $140,661,400 | 2,719 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 3,479 |
| Cost of funding earning assets | 0.1086% | 4,211 |
| Net interest margin | 3.0722% | 3,011 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2556% | 2,774 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1564% | 1,874 |
| Return on assets (ROA) | 1.1407% | 1,896 |
| Pretax return on assets | 1.1593% | 2,525 |
| Return on Equity (ROE) | 14.3200% | 1,346 |
| Retained earnings to average equity (ytd only) | 8.8504% | 1,704 |
| Net charge-offs to loans | -0.0019% | 3,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5959% | 2,334 |
| Assets per employee ($millions) | 5.5788% | 3,147 |
| Cash dividends to net income (ytd only)* | 38.1900% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 3,890 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,658 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.1700% | 3,168 |
| Net loans and leases to deposits | 56.4093% | 3,446 |
| Net loans and leases to core deposits | 56.9697% | 3,564 |
| Total domestic deposits to total assets | 94.2600% | 324 |
| Equity capital to assets | 5.5986% | 4,098 |
| Core capital (leverage) ratio | 9.9736% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6819% | 1,240 |
| Memoranda: | ||
| Average total assets | $258,316,000 | 2,696 |
| Average earning assets | $245,551,750 | 2,657 |
| Average equity | $20,578,500 | 2,940 |
| Average total loans | $137,687,500 | 2,756 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 3,392 |
| Cost of funding earning assets | 0.1102% | 4,077 |
| Net interest margin | 2.9555% | 3,019 |
| Noninterest income to average assets | 0.5424% | 1,982 |
| Noninterest expense to average assets | 2.2558% | 2,685 |
| Loan and lease loss provision to assets | 0.0118% | 2,383 |
| Net operating income to assets | 1.0743% | 1,881 |
| Return on assets (ROA) | 1.0566% | 1,917 |
| Pretax return on assets | 1.0738% | 2,501 |
| Return on Equity (ROE) | 12.0139% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.7270% | 1,717 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1489% | 2,365 |
| Assets per employee ($millions) | 5.7336% | 2,992 |
| Cash dividends to net income (ytd only)* | 35.6825% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 3,823 |
| Loan loss allowance to noncurrent loans | 1,770.8333% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,705 |
| Noncurrent loans to loans | 0.0533% | 3,549 |
| Net loans and leases to total assets | 51.9047% | 3,165 |
| Net loans and leases to deposits | 55.8393% | 3,393 |
| Net loans and leases to core deposits | 56.4237% | 3,528 |
| Total domestic deposits to total assets | 92.9538% | 528 |
| Equity capital to assets | 6.9070% | 3,815 |
| Core capital (leverage) ratio | 9.7492% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0400% | 1,173 |
| Memoranda: | ||
| Average total assets | $255,161,000 | 2,737 |
| Average earning assets | $243,205,000 | 2,704 |
| Average equity | $22,440,667 | 2,857 |
| Average total loans | $135,698,667 | 2,789 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9307% | 3,454 |
| Cost of funding earning assets | 0.1178% | 3,924 |
| Net interest margin | 2.8129% | 3,095 |
| Noninterest income to average assets | 0.4950% | 2,165 |
| Noninterest expense to average assets | 2.2307% | 2,745 |
| Loan and lease loss provision to assets | 0.0236% | 1,934 |
| Net operating income to assets | 0.8984% | 2,274 |
| Return on assets (ROA) | 0.8875% | 2,321 |
| Pretax return on assets | 0.9017% | 2,772 |
| Return on Equity (ROE) | 9.0988% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.0988% | 1,244 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4331% | 2,168 |
| Assets per employee ($millions) | 5.7624% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,799 |
| Loan loss allowance to noncurrent loans | 1,770.8333% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,773 |
| Noncurrent loans to loans | 0.0554% | 3,586 |
| Net loans and leases to total assets | 48.5383% | 3,330 |
| Net loans and leases to deposits | 53.1651% | 3,481 |
| Net loans and leases to core deposits | 53.7169% | 3,616 |
| Total domestic deposits to total assets | 91.2974% | 888 |
| Equity capital to assets | 8.5680% | 3,106 |
| Core capital (leverage) ratio | 10.2806% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9975% | 1,255 |
| Memoranda: | ||
| Average total assets | $253,735,000 | 2,764 |
| Average earning assets | $241,030,500 | 2,728 |
| Average equity | $24,750,500 | 2,790 |
| Average total loans | $135,950,000 | 2,787 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 2,487 |
| Cost of funding earning assets | 0.1697% | 3,776 |
| Net interest margin | 3.3902% | 2,064 |
| Noninterest income to average assets | 0.6578% | 1,914 |
| Noninterest expense to average assets | 2.2816% | 2,849 |
| Loan and lease loss provision to assets | 0.0504% | 2,052 |
| Net operating income to assets | 1.5219% | 973 |
| Return on assets (ROA) | 1.5301% | 993 |
| Pretax return on assets | 1.5549% | 1,557 |
| Return on Equity (ROE) | 13.9209% | 1,210 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,451 |
| Net charge-offs to loans | 0.0050% | 2,415 |
| Credit loss provision to net charge-offs | 1,714.2857% | 349 |
| Earnings coverage of net charge-offs (x) | 543.4286% | 257 |
| Efficiency ratio | 58.8267% | 3,312 |
| Assets per employee ($millions) | 5.3867% | 3,373 |
| Cash dividends to net income (ytd only)* | 40.9328% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 4,089 |
| Loan loss allowance to noncurrent loans | 1,726.0274% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,820 |
| Noncurrent loans to loans | 0.0514% | 3,709 |
| Net loans and leases to total assets | 58.0464% | 2,367 |
| Net loans and leases to deposits | 65.4363% | 2,559 |
| Net loans and leases to core deposits | 66.2023% | 2,803 |
| Total domestic deposits to total assets | 88.7067% | 1,660 |
| Equity capital to assets | 11.0519% | 1,758 |
| Core capital (leverage) ratio | 10.4459% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9356% | 1,536 |
| Memoranda: | ||
| Average total assets | $238,213,400 | 2,806 |
| Average earning assets | $226,300,000 | 2,768 |
| Average equity | $26,183,600 | 2,772 |
| Average total loans | $140,714,000 | 2,717 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 2,429 |
| Cost of funding earning assets | 0.1800% | 3,825 |
| Net interest margin | 3.4666% | 1,964 |
| Noninterest income to average assets | 0.6617% | 1,966 |
| Noninterest expense to average assets | 2.3617% | 2,557 |
| Loan and lease loss provision to assets | 0.0506% | 1,983 |
| Net operating income to assets | 1.5292% | 1,197 |
| Return on assets (ROA) | 1.5376% | 1,221 |
| Pretax return on assets | 1.5600% | 1,824 |
| Return on Equity (ROE) | 14.0080% | 1,389 |
| Retained earnings to average equity (ytd only) | 7.9900% | 2,058 |
| Net charge-offs to loans | 0.0028% | 2,255 |
| Credit loss provision to net charge-offs | 3,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 950.0000% | 172 |
| Efficiency ratio | 59.5802% | 3,050 |
| Assets per employee ($millions) | 5.4203% | 3,285 |
| Cash dividends to net income (ytd only)* | 42.9616% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,192 |
| Loan loss allowance to noncurrent loans | 1,690.4110% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,960 |
| Noncurrent loans to loans | 0.0523% | 3,851 |
| Net loans and leases to total assets | 57.9828% | 2,499 |
| Net loans and leases to deposits | 65.4802% | 2,682 |
| Net loans and leases to core deposits | 66.2611% | 2,928 |
| Total domestic deposits to total assets | 88.5502% | 1,543 |
| Equity capital to assets | 11.2376% | 1,865 |
| Core capital (leverage) ratio | 10.4596% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0706% | 1,594 |
| Memoranda: | ||
| Average total assets | $237,166,500 | 2,836 |
| Average earning assets | $225,924,250 | 2,793 |
| Average equity | $26,032,000 | 2,816 |
| Average total loans | $140,401,250 | 2,764 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4876% | 2,922 |
| Cost of funding earning assets | 0.1976% | 3,778 |
| Net interest margin | 3.2900% | 2,473 |
| Noninterest income to average assets | 0.6962% | 1,822 |
| Noninterest expense to average assets | 2.3386% | 2,651 |
| Loan and lease loss provision to assets | 0.0507% | 2,023 |
| Net operating income to assets | 1.4102% | 1,538 |
| Return on assets (ROA) | 1.4185% | 1,584 |
| Pretax return on assets | 1.4380% | 2,218 |
| Return on Equity (ROE) | 13.0278% | 1,707 |
| Retained earnings to average equity (ytd only) | 8.3102% | 1,971 |
| Net charge-offs to loans | 0.0014% | 2,175 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 1,752.0000% | 65 |
| Efficiency ratio | 61.2389% | 2,840 |
| Assets per employee ($millions) | 5.1586% | 3,500 |
| Cash dividends to net income (ytd only)* | 36.2120% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,293 |
| Loan loss allowance to noncurrent loans | 1,453.0120% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,022 |
| Noncurrent loans to loans | 0.0581% | 3,889 |
| Net loans and leases to total assets | 58.3810% | 2,611 |
| Net loans and leases to deposits | 65.7129% | 2,850 |
| Net loans and leases to core deposits | 66.5640% | 3,068 |
| Total domestic deposits to total assets | 88.8424% | 1,362 |
| Equity capital to assets | 10.7954% | 2,152 |
| Core capital (leverage) ratio | 10.1452% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,724,333 | 2,831 |
| Average earning assets | $224,682,333 | 2,798 |
| Average equity | $25,775,667 | 2,827 |
| Average total loans | $140,695,333 | 2,771 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 3,607 |
| Cost of funding earning assets | 0.2117% | 3,808 |
| Net interest margin | 3.0289% | 3,186 |
| Noninterest income to average assets | 0.6910% | 1,894 |
| Noninterest expense to average assets | 2.3553% | 2,636 |
| Loan and lease loss provision to assets | 0.0513% | 2,076 |
| Net operating income to assets | 1.1359% | 2,367 |
| Return on assets (ROA) | 1.1528% | 2,395 |
| Pretax return on assets | 1.1648% | 2,936 |
| Return on Equity (ROE) | 10.5409% | 2,519 |
| Retained earnings to average equity (ytd only) | 10.3845% | 1,548 |
| Net charge-offs to loans | -0.0029% | 3,212 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2656% | 2,185 |
| Assets per employee ($millions) | 4.9684% | 3,692 |
| Cash dividends to net income (ytd only)* | 1.4837% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 4,343 |
| Loan loss allowance to noncurrent loans | 368.1250% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 3,505 |
| Noncurrent loans to loans | 0.2257% | 3,290 |
| Net loans and leases to total assets | 58.9557% | 2,678 |
| Net loans and leases to deposits | 66.2795% | 2,891 |
| Net loans and leases to core deposits | 67.2995% | 3,131 |
| Total domestic deposits to total assets | 88.9502% | 1,364 |
| Equity capital to assets | 10.7848% | 2,022 |
| Core capital (leverage) ratio | 10.3135% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,859,500 | 2,836 |
| Average earning assets | $221,072,500 | 2,812 |
| Average equity | $25,576,500 | 2,830 |
| Average total loans | $139,666,500 | 2,786 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 3,645 |
| Cost of funding earning assets | 0.3144% | 4,061 |
| Net interest margin | 3.3596% | 2,901 |
| Noninterest income to average assets | 0.8037% | 1,518 |
| Noninterest expense to average assets | 2.4991% | 2,852 |
| Loan and lease loss provision to assets | 0.0579% | 3,643 |
| Net operating income to assets | 1.3917% | 1,039 |
| Return on assets (ROA) | 1.3902% | 1,133 |
| Pretax return on assets | 1.4129% | 1,615 |
| Return on Equity (ROE) | 11.9756% | 1,328 |
| Retained earnings to average equity (ytd only) | 3.6925% | 2,981 |
| Net charge-offs to loans | -0.0015% | 3,965 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9269% | 2,991 |
| Assets per employee ($millions) | 4.7757% | 3,631 |
| Cash dividends to net income (ytd only)* | 69.1667% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 4,350 |
| Loan loss allowance to noncurrent loans | 456.9721% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 3,748 |
| Noncurrent loans to loans | 0.1825% | 3,562 |
| Net loans and leases to total assets | 59.5057% | 2,922 |
| Net loans and leases to deposits | 67.1491% | 3,169 |
| Net loans and leases to core deposits | 68.2275% | 3,398 |
| Total domestic deposits to total assets | 88.6174% | 1,161 |
| Equity capital to assets | 11.0947% | 2,178 |
| Core capital (leverage) ratio | 10.2345% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,158,600 | 2,885 |
| Average earning assets | $195,322,800 | 2,868 |
| Average equity | $24,048,800 | 2,873 |
| Average total loans | $131,513,200 | 2,848 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 3,674 |
| Cost of funding earning assets | 0.3386% | 4,109 |
| Net interest margin | 3.4155% | 2,866 |
| Noninterest income to average assets | 0.8179% | 1,429 |
| Noninterest expense to average assets | 2.5537% | 2,681 |
| Loan and lease loss provision to assets | 0.0595% | 3,601 |
| Net operating income to assets | 1.4103% | 1,078 |
| Return on assets (ROA) | 1.4051% | 1,183 |
| Pretax return on assets | 1.4276% | 1,643 |
| Return on Equity (ROE) | 11.9533% | 1,380 |
| Retained earnings to average equity (ytd only) | 2.5257% | 3,726 |
| Net charge-offs to loans | -0.0021% | 3,884 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1149% | 2,897 |
| Assets per employee ($millions) | 4.6861% | 3,616 |
| Cash dividends to net income (ytd only)* | 78.8706% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,287 |
| Loan loss allowance to noncurrent loans | 412.1771% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,798 |
| Noncurrent loans to loans | 0.2012% | 3,579 |
| Net loans and leases to total assets | 61.9548% | 3,018 |
| Net loans and leases to deposits | 70.2604% | 3,293 |
| Net loans and leases to core deposits | 71.4658% | 3,520 |
| Total domestic deposits to total assets | 88.1788% | 1,132 |
| Equity capital to assets | 11.4853% | 2,017 |
| Core capital (leverage) ratio | 10.8801% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,639,500 | 2,907 |
| Average earning assets | $190,575,000 | 2,889 |
| Average equity | $23,702,750 | 2,892 |
| Average total loans | $130,002,750 | 2,869 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 3,650 |
| Cost of funding earning assets | 0.3615% | 4,218 |
| Net interest margin | 3.5292% | 2,704 |
| Noninterest income to average assets | 0.7421% | 1,606 |
| Noninterest expense to average assets | 2.6264% | 2,583 |
| Loan and lease loss provision to assets | 0.0609% | 3,540 |
| Net operating income to assets | 1.3724% | 1,172 |
| Return on assets (ROA) | 1.3645% | 1,283 |
| Pretax return on assets | 1.3868% | 1,755 |
| Return on Equity (ROE) | 11.5113% | 1,477 |
| Retained earnings to average equity (ytd only) | 3.8970% | 2,959 |
| Net charge-offs to loans | -0.0031% | 3,886 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3372% | 2,773 |
| Assets per employee ($millions) | 4.4095% | 3,901 |
| Cash dividends to net income (ytd only)* | 66.1458% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,295 |
| Loan loss allowance to noncurrent loans | 414.8855% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 3,913 |
| Noncurrent loans to loans | 0.1972% | 3,670 |
| Net loans and leases to total assets | 62.2442% | 3,101 |
| Net loans and leases to deposits | 70.6132% | 3,377 |
| Net loans and leases to core deposits | 72.0825% | 3,590 |
| Total domestic deposits to total assets | 88.1482% | 1,109 |
| Equity capital to assets | 11.5778% | 1,922 |
| Core capital (leverage) ratio | 11.2625% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,998,667 | 2,922 |
| Average earning assets | $186,442,667 | 2,903 |
| Average equity | $23,351,000 | 2,901 |
| Average total loans | $128,447,667 | 2,880 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 3,594 |
| Cost of funding earning assets | 0.3899% | 4,395 |
| Net interest margin | 3.6851% | 2,376 |
| Noninterest income to average assets | 0.5968% | 2,054 |
| Noninterest expense to average assets | 2.7142% | 2,673 |
| Loan and lease loss provision to assets | 0.0633% | 2,973 |
| Net operating income to assets | 1.2859% | 1,280 |
| Return on assets (ROA) | 1.2590% | 1,454 |
| Pretax return on assets | 1.2801% | 1,930 |
| Return on Equity (ROE) | 10.4856% | 1,582 |
| Retained earnings to average equity (ytd only) | 10.4505% | 654 |
| Net charge-offs to loans | -0.0032% | 3,739 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4430% | 2,891 |
| Assets per employee ($millions) | 3.8719% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.3350% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 4,253 |
| Loan loss allowance to noncurrent loans | 166.8246% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 3,104 |
| Noncurrent loans to loans | 0.5147% | 2,722 |
| Net loans and leases to total assets | 64.2624% | 3,039 |
| Net loans and leases to deposits | 73.0449% | 3,349 |
| Net loans and leases to core deposits | 74.6309% | 3,597 |
| Total domestic deposits to total assets | 87.9766% | 1,117 |
| Equity capital to assets | 11.8647% | 2,173 |
| Core capital (leverage) ratio | 12.1860% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,670,500 | 2,957 |
| Average earning assets | $179,535,500 | 2,922 |
| Average equity | $22,774,000 | 2,940 |
| Average total loans | $126,256,500 | 2,884 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 3,726 |
| Cost of funding earning assets | 0.3547% | 4,586 |
| Net interest margin | 3.8766% | 2,257 |
| Noninterest income to average assets | 0.6226% | 2,120 |
| Noninterest expense to average assets | 2.6811% | 2,939 |
| Loan and lease loss provision to assets | 0.0662% | 2,693 |
| Net operating income to assets | 1.4987% | 1,057 |
| Return on assets (ROA) | 1.5203% | 1,066 |
| Pretax return on assets | 1.5435% | 1,676 |
| Return on Equity (ROE) | 12.3936% | 1,364 |
| Retained earnings to average equity (ytd only) | 1.0384% | 4,370 |
| Net charge-offs to loans | 0.0357% | 2,674 |
| Credit loss provision to net charge-offs | 272.7273% | 1,028 |
| Earnings coverage of net charge-offs (x) | 65.4318% | 927 |
| Efficiency ratio | 62.8084% | 3,246 |
| Assets per employee ($millions) | 3.9504% | 3,972 |
| Cash dividends to net income (ytd only)* | 91.6213% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,331 |
| Loan loss allowance to noncurrent loans | 381.0409% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 3,928 |
| Noncurrent loans to loans | 0.2077% | 3,714 |
| Net loans and leases to total assets | 67.7738% | 2,712 |
| Net loans and leases to deposits | 77.3665% | 3,069 |
| Net loans and leases to core deposits | 78.9090% | 3,381 |
| Total domestic deposits to total assets | 87.6009% | 1,316 |
| Equity capital to assets | 12.1496% | 2,042 |
| Core capital (leverage) ratio | 11.8956% | 1,845 |
| Tier 1 risk-based capital ratio | 17.1282% | 2,018 |
| Total risk-based capital ratio | 17.9368% | 2,093 |
| Memoranda: | ||
| Average total assets | $181,346,400 | 3,010 |
| Average earning assets | $170,561,400 | 2,977 |
| Average equity | $22,245,400 | 2,944 |
| Average total loans | $123,094,600 | 2,911 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,839 |
| Cost of funding earning assets | 0.3440% | 4,678 |
| Net interest margin | 3.8936% | 2,277 |
| Noninterest income to average assets | 0.6136% | 2,133 |
| Noninterest expense to average assets | 2.7376% | 2,760 |
| Loan and lease loss provision to assets | 0.0669% | 2,548 |
| Net operating income to assets | 1.4374% | 1,359 |
| Return on assets (ROA) | 1.4309% | 1,438 |
| Pretax return on assets | 1.4554% | 2,096 |
| Return on Equity (ROE) | 11.6353% | 1,744 |
| Retained earnings to average equity (ytd only) | -1.3184% | 4,883 |
| Net charge-offs to loans | 0.0505% | 2,107 |
| Credit loss provision to net charge-offs | 195.6522% | 1,339 |
| Earnings coverage of net charge-offs (x) | 44.6969% | 1,276 |
| Efficiency ratio | 64.1625% | 2,981 |
| Assets per employee ($millions) | 4.0764% | 3,796 |
| Cash dividends to net income (ytd only)* | 111.3306% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,450 |
| Loan loss allowance to noncurrent loans | 1,154.6512% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,074 |
| Noncurrent loans to loans | 0.0681% | 4,332 |
| Net loans and leases to total assets | 68.3014% | 2,744 |
| Net loans and leases to deposits | 78.1210% | 3,087 |
| Net loans and leases to core deposits | 79.7322% | 3,407 |
| Total domestic deposits to total assets | 87.4302% | 1,293 |
| Equity capital to assets | 12.3375% | 2,017 |
| Core capital (leverage) ratio | 12.3087% | 1,677 |
| Tier 1 risk-based capital ratio | 17.3109% | 1,996 |
| Total risk-based capital ratio | 18.1188% | 2,071 |
| Memoranda: | ||
| Average total assets | $179,278,250 | 3,051 |
| Average earning assets | $168,205,000 | 3,038 |
| Average equity | $22,047,250 | 2,983 |
| Average total loans | $121,484,000 | 2,960 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 3,840 |
| Cost of funding earning assets | 0.3287% | 4,741 |
| Net interest margin | 3.9038% | 2,231 |
| Noninterest income to average assets | 0.6026% | 2,139 |
| Noninterest expense to average assets | 2.7511% | 2,750 |
| Loan and lease loss provision to assets | 0.0675% | 2,465 |
| Net operating income to assets | 1.4174% | 1,383 |
| Return on assets (ROA) | 1.4009% | 1,491 |
| Pretax return on assets | 1.4256% | 2,123 |
| Return on Equity (ROE) | 11.4038% | 1,825 |
| Retained earnings to average equity (ytd only) | -5.2901% | 5,068 |
| Net charge-offs to loans | 0.0767% | 1,601 |
| Credit loss provision to net charge-offs | 130.4348% | 1,658 |
| Earnings coverage of net charge-offs (x) | 29.1957% | 1,495 |
| Efficiency ratio | 64.5646% | 3,047 |
| Assets per employee ($millions) | 3.5803% | 4,400 |
| Cash dividends to net income (ytd only)* | 146.3884% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,432 |
| Loan loss allowance to noncurrent loans | 746.5116% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 3,975 |
| Noncurrent loans to loans | 0.1074% | 4,192 |
| Net loans and leases to total assets | 66.5356% | 3,035 |
| Net loans and leases to deposits | 76.0539% | 3,328 |
| Net loans and leases to core deposits | 77.3062% | 3,626 |
| Total domestic deposits to total assets | 87.4848% | 1,348 |
| Equity capital to assets | 12.3337% | 1,952 |
| Core capital (leverage) ratio | 12.1040% | 1,755 |
| Tier 1 risk-based capital ratio | 17.6890% | 1,885 |
| Total risk-based capital ratio | 18.5038% | 1,966 |
| Memoranda: | ||
| Average total assets | $177,891,000 | 3,081 |
| Average earning assets | $166,707,670 | 3,067 |
| Average equity | $21,852,330 | 2,985 |
| Average total loans | $119,883,670 | 2,991 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,994 |
| Cost of funding earning assets | 0.3066% | 4,827 |
| Net interest margin | 3.8464% | 2,358 |
| Noninterest income to average assets | 0.6023% | 2,034 |
| Noninterest expense to average assets | 2.7813% | 2,633 |
| Loan and lease loss provision to assets | 0.0677% | 2,317 |
| Net operating income to assets | 1.3526% | 1,519 |
| Return on assets (ROA) | 1.3151% | 1,689 |
| Pretax return on assets | 1.3376% | 2,296 |
| Return on Equity (ROE) | 10.7273% | 2,070 |
| Retained earnings to average equity (ytd only) | -0.4968% | 4,595 |
| Net charge-offs to loans | -0.0033% | 3,938 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8302% | 2,965 |
| Assets per employee ($millions) | 3.8329% | 4,142 |
| Cash dividends to net income (ytd only)* | 104.6312% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,435 |
| Loan loss allowance to noncurrent loans | 303.0960% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 3,855 |
| Noncurrent loans to loans | 0.2725% | 3,588 |
| Net loans and leases to total assets | 65.2502% | 3,140 |
| Net loans and leases to deposits | 74.4597% | 3,409 |
| Net loans and leases to core deposits | 75.5421% | 3,688 |
| Total domestic deposits to total assets | 87.6316% | 1,503 |
| Equity capital to assets | 12.1974% | 1,906 |
| Core capital (leverage) ratio | 12.6846% | 1,412 |
| Tier 1 risk-based capital ratio | 18.0907% | 1,775 |
| Total risk-based capital ratio | 18.9162% | 1,849 |
| Memoranda: | ||
| Average total assets | $177,329,500 | 3,115 |
| Average earning assets | $167,012,500 | 3,091 |
| Average equity | $21,739,000 | 3,001 |
| Average total loans | $119,790,000 | 3,020 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 3,981 |
| Cost of funding earning assets | 0.2334% | 4,879 |
| Net interest margin | 3.7821% | 2,739 |
| Noninterest income to average assets | 0.6334% | 2,137 |
| Noninterest expense to average assets | 2.7105% | 2,987 |
| Loan and lease loss provision to assets | 0.0628% | 2,901 |
| Net operating income to assets | 1.4082% | 1,402 |
| Return on assets (ROA) | 1.4082% | 1,391 |
| Pretax return on assets | 1.4326% | 2,022 |
| Return on Equity (ROE) | 11.4165% | 1,930 |
| Retained earnings to average equity (ytd only) | 0.3961% | 4,879 |
| Net charge-offs to loans | 0.0521% | 2,406 |
| Credit loss provision to net charge-offs | 180.0000% | 1,570 |
| Earnings coverage of net charge-offs (x) | 42.8500% | 1,255 |
| Efficiency ratio | 64.4448% | 3,128 |
| Assets per employee ($millions) | 3.5615% | 4,486 |
| Cash dividends to net income (ytd only)* | 96.5304% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,590 |
| Loan loss allowance to noncurrent loans | 331.8182% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 3,916 |
| Noncurrent loans to loans | 0.2363% | 3,735 |
| Net loans and leases to total assets | 68.8237% | 2,761 |
| Net loans and leases to deposits | 78.7112% | 3,075 |
| Net loans and leases to core deposits | 79.7364% | 3,450 |
| Total domestic deposits to total assets | 87.4383% | 1,567 |
| Equity capital to assets | 12.3228% | 1,681 |
| Core capital (leverage) ratio | 12.6940% | 1,378 |
| Tier 1 risk-based capital ratio | 18.3657% | 1,654 |
| Total risk-based capital ratio | 19.1780% | 1,736 |
| Memoranda: | ||
| Average total assets | $171,922,000 | 3,152 |
| Average earning assets | $162,395,000 | 3,117 |
| Average equity | $21,206,200 | 2,965 |
| Average total loans | $115,095,600 | 3,059 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,972 |
| Cost of funding earning assets | 0.2201% | 4,940 |
| Net interest margin | 3.7635% | 2,779 |
| Noninterest income to average assets | 0.6422% | 2,109 |
| Noninterest expense to average assets | 2.7005% | 2,980 |
| Loan and lease loss provision to assets | 0.0545% | 2,879 |
| Net operating income to assets | 1.4036% | 1,477 |
| Return on assets (ROA) | 1.4036% | 1,474 |
| Pretax return on assets | 1.4277% | 2,126 |
| Return on Equity (ROE) | 11.3761% | 2,028 |
| Retained earnings to average equity (ytd only) | -1.9496% | 5,193 |
| Net charge-offs to loans | 0.0047% | 3,278 |
| Credit loss provision to net charge-offs | 1,750.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 476.2852% | 196 |
| Efficiency ratio | 64.5636% | 3,092 |
| Assets per employee ($millions) | 3.5224% | 4,531 |
| Cash dividends to net income (ytd only)* | 117.1381% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,513 |
| Loan loss allowance to noncurrent loans | 229.1469% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,712 |
| Noncurrent loans to loans | 0.3639% | 3,342 |
| Net loans and leases to total assets | 68.0130% | 2,934 |
| Net loans and leases to deposits | 77.6943% | 3,267 |
| Net loans and leases to core deposits | 78.7386% | 3,598 |
| Total domestic deposits to total assets | 87.5393% | 1,467 |
| Equity capital to assets | 12.2182% | 1,762 |
| Core capital (leverage) ratio | 12.8700% | 1,339 |
| Tier 1 risk-based capital ratio | 18.6998% | 1,613 |
| Total risk-based capital ratio | 19.5569% | 1,672 |
| Memoranda: | ||
| Average total assets | $171,274,000 | 3,182 |
| Average earning assets | $161,121,000 | 3,157 |
| Average equity | $21,131,500 | 2,992 |
| Average total loans | $113,605,500 | 3,107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,996 |
| Cost of funding earning assets | 0.2129% | 4,959 |
| Net interest margin | 3.7165% | 2,870 |
| Noninterest income to average assets | 0.6546% | 2,070 |
| Noninterest expense to average assets | 2.6580% | 3,140 |
| Loan and lease loss provision to assets | 0.0523% | 2,870 |
| Net operating income to assets | 1.4115% | 1,393 |
| Return on assets (ROA) | 1.4092% | 1,406 |
| Pretax return on assets | 1.4337% | 2,040 |
| Return on Equity (ROE) | 11.3860% | 1,957 |
| Retained earnings to average equity (ytd only) | -5.8527% | 5,321 |
| Net charge-offs to loans | 0.0053% | 2,972 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 426.6667% | 216 |
| Efficiency ratio | 64.1054% | 3,302 |
| Assets per employee ($millions) | 3.5643% | 4,510 |
| Cash dividends to net income (ytd only)* | 151.4026% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,625 |
| Loan loss allowance to noncurrent loans | 221.8824% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,768 |
| Noncurrent loans to loans | 0.3714% | 3,363 |
| Net loans and leases to total assets | 66.3319% | 3,092 |
| Net loans and leases to deposits | 75.6056% | 3,378 |
| Net loans and leases to core deposits | 76.6080% | 3,692 |
| Total domestic deposits to total assets | 87.7342% | 1,516 |
| Equity capital to assets | 12.0724% | 1,810 |
| Core capital (leverage) ratio | 12.5073% | 1,432 |
| Tier 1 risk-based capital ratio | 18.6004% | 1,653 |
| Total risk-based capital ratio | 19.4443% | 1,706 |
| Memoranda: | ||
| Average total assets | $172,007,000 | 3,192 |
| Average earning assets | $161,605,670 | 3,168 |
| Average equity | $21,289,330 | 2,989 |
| Average total loans | $112,820,670 | 3,128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 4,032 |
| Cost of funding earning assets | 0.2105% | 4,952 |
| Net interest margin | 3.6547% | 2,970 |
| Noninterest income to average assets | 0.6564% | 2,012 |
| Noninterest expense to average assets | 2.6440% | 3,208 |
| Loan and lease loss provision to assets | 0.0464% | 2,839 |
| Net operating income to assets | 1.3662% | 1,433 |
| Return on assets (ROA) | 1.3753% | 1,423 |
| Pretax return on assets | 1.3985% | 2,011 |
| Return on Equity (ROE) | 10.9779% | 1,982 |
| Retained earnings to average equity (ytd only) | -1.1108% | 4,920 |
| Net charge-offs to loans | -0.0036% | 3,907 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8096% | 3,354 |
| Assets per employee ($millions) | 3.7792% | 4,314 |
| Cash dividends to net income (ytd only)* | 110.1180% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,725 |
| Loan loss allowance to noncurrent loans | 205.3452% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 3,832 |
| Noncurrent loans to loans | 0.4001% | 3,346 |
| Net loans and leases to total assets | 64.0208% | 3,300 |
| Net loans and leases to deposits | 73.1092% | 3,504 |
| Net loans and leases to core deposits | 74.0652% | 3,822 |
| Total domestic deposits to total assets | 87.5688% | 1,865 |
| Equity capital to assets | 12.2396% | 1,643 |
| Core capital (leverage) ratio | 12.8744% | 1,221 |
| Tier 1 risk-based capital ratio | 19.3404% | 1,467 |
| Total risk-based capital ratio | 20.1785% | 1,534 |
| Memoranda: | ||
| Average total assets | $172,468,000 | 3,221 |
| Average earning assets | $161,545,500 | 3,196 |
| Average equity | $21,607,000 | 2,989 |
| Average total loans | $112,017,500 | 3,162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,374 |
| Cost of funding earning assets | 0.2808% | 4,306 |
| Net interest margin | 3.4032% | 3,842 |
| Noninterest income to average assets | 0.6229% | 2,340 |
| Noninterest expense to average assets | 2.5982% | 3,450 |
| Loan and lease loss provision to assets | 0.0342% | 3,579 |
| Net operating income to assets | 1.1756% | 1,594 |
| Return on assets (ROA) | 1.1963% | 1,560 |
| Pretax return on assets | 1.2168% | 2,705 |
| Return on Equity (ROE) | 9.6293% | 2,045 |
| Retained earnings to average equity (ytd only) | -0.1652% | 5,059 |
| Net charge-offs to loans | 0.0147% | 3,594 |
| Credit loss provision to net charge-offs | 375.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 134.8750% | 511 |
| Efficiency ratio | 67.8726% | 2,918 |
| Assets per employee ($millions) | 3.7194% | 4,405 |
| Cash dividends to net income (ytd only)* | 101.7151% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,805 |
| Loan loss allowance to noncurrent loans | 250.2778% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,083 |
| Noncurrent loans to loans | 0.3220% | 3,616 |
| Net loans and leases to total assets | 64.8281% | 3,253 |
| Net loans and leases to deposits | 74.5572% | 3,469 |
| Net loans and leases to core deposits | 75.5557% | 3,771 |
| Total domestic deposits to total assets | 86.9508% | 2,021 |
| Equity capital to assets | 12.8212% | 1,347 |
| Core capital (leverage) ratio | 12.7486% | 1,241 |
| Tier 1 risk-based capital ratio | 20.0383% | 1,312 |
| Total risk-based capital ratio | 20.8861% | 1,364 |
| Memoranda: | ||
| Average total assets | $175,464,800 | 3,171 |
| Average earning assets | $165,254,800 | 3,138 |
| Average equity | $21,798,000 | 2,971 |
| Average total loans | $108,518,000 | 3,207 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 4,519 |
| Cost of funding earning assets | 0.3010% | 4,121 |
| Net interest margin | 3.3156% | 4,115 |
| Noninterest income to average assets | 0.6389% | 2,258 |
| Noninterest expense to average assets | 2.5978% | 3,417 |
| Loan and lease loss provision to assets | 0.0340% | 3,439 |
| Net operating income to assets | 1.1167% | 2,008 |
| Return on assets (ROA) | 1.1426% | 1,957 |
| Pretax return on assets | 1.1614% | 3,061 |
| Return on Equity (ROE) | 9.2691% | 2,460 |
| Retained earnings to average equity (ytd only) | -1.7399% | 5,411 |
| Net charge-offs to loans | 0.0198% | 3,095 |
| Credit loss provision to net charge-offs | 281.2500% | 1,041 |
| Earnings coverage of net charge-offs (x) | 96.7628% | 703 |
| Efficiency ratio | 68.9655% | 2,716 |
| Assets per employee ($millions) | 3.7080% | 4,439 |
| Cash dividends to net income (ytd only)* | 118.7708% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,892 |
| Loan loss allowance to noncurrent loans | 233.1579% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 4,175 |
| Noncurrent loans to loans | 0.3432% | 3,714 |
| Net loans and leases to total assets | 64.3956% | 3,333 |
| Net loans and leases to deposits | 74.9268% | 3,479 |
| Net loans and leases to core deposits | 75.9459% | 3,804 |
| Total domestic deposits to total assets | 85.9447% | 2,332 |
| Equity capital to assets | 12.9578% | 1,406 |
| Core capital (leverage) ratio | 12.9892% | 1,212 |
| Tier 1 risk-based capital ratio | 19.9941% | 1,362 |
| Total risk-based capital ratio | 20.8359% | 1,425 |
| Memoranda: | ||
| Average total assets | $176,558,250 | 3,193 |
| Average earning assets | $166,563,250 | 3,146 |
| Average equity | $21,763,500 | 3,004 |
| Average total loans | $107,693,500 | 3,243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,643 |
| Cost of funding earning assets | 0.3095% | 3,984 |
| Net interest margin | 3.2352% | 4,312 |
| Noninterest income to average assets | 0.6441% | 2,232 |
| Noninterest expense to average assets | 2.5762% | 3,502 |
| Loan and lease loss provision to assets | 0.0336% | 3,317 |
| Net operating income to assets | 1.0725% | 2,115 |
| Return on assets (ROA) | 1.0999% | 2,028 |
| Pretax return on assets | 1.1179% | 3,099 |
| Return on Equity (ROE) | 9.0713% | 2,475 |
| Retained earnings to average equity (ytd only) | -5.3855% | 5,547 |
| Net charge-offs to loans | 0.0262% | 2,688 |
| Credit loss provision to net charge-offs | 214.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 71.6429% | 830 |
| Efficiency ratio | 69.6337% | 2,743 |
| Assets per employee ($millions) | 3.9514% | 4,037 |
| Cash dividends to net income (ytd only)* | 159.3686% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,958 |
| Loan loss allowance to noncurrent loans | 202.0833% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,050 |
| Noncurrent loans to loans | 0.3950% | 3,609 |
| Net loans and leases to total assets | 62.4039% | 3,581 |
| Net loans and leases to deposits | 73.9915% | 3,546 |
| Net loans and leases to core deposits | 74.9981% | 3,856 |
| Total domestic deposits to total assets | 84.3392% | 3,071 |
| Equity capital to assets | 12.6060% | 1,569 |
| Core capital (leverage) ratio | 12.3692% | 1,435 |
| Tier 1 risk-based capital ratio | 19.7181% | 1,430 |
| Total risk-based capital ratio | 20.5469% | 1,468 |
| Memoranda: | ||
| Average total assets | $178,554,670 | 3,174 |
| Average earning assets | $168,644,330 | 3,128 |
| Average equity | $21,650,670 | 3,014 |
| Average total loans | $106,683,000 | 3,272 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 4,932 |
| Cost of funding earning assets | 0.2989% | 4,057 |
| Net interest margin | 3.0961% | 4,658 |
| Noninterest income to average assets | 0.6434% | 2,210 |
| Noninterest expense to average assets | 2.6047% | 3,482 |
| Loan and lease loss provision to assets | 0.0332% | 3,123 |
| Net operating income to assets | 0.9220% | 2,655 |
| Return on assets (ROA) | 0.9220% | 2,711 |
| Pretax return on assets | 0.9375% | 3,637 |
| Return on Equity (ROE) | 7.7518% | 3,039 |
| Retained earnings to average equity (ytd only) | -14.4069% | 5,659 |
| Net charge-offs to loans | 0.0456% | 1,934 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 36.5833% | 1,092 |
| Efficiency ratio | 72.8510% | 2,432 |
| Assets per employee ($millions) | 3.9902% | 4,026 |
| Cash dividends to net income (ytd only)* | 285.8513% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,979 |
| Loan loss allowance to noncurrent loans | 169.6252% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,928 |
| Noncurrent loans to loans | 0.4910% | 3,330 |
| Net loans and leases to total assets | 57.0311% | 4,060 |
| Net loans and leases to deposits | 66.9441% | 4,096 |
| Net loans and leases to core deposits | 67.8174% | 4,304 |
| Total domestic deposits to total assets | 85.1921% | 3,005 |
| Equity capital to assets | 11.8584% | 1,936 |
| Core capital (leverage) ratio | 12.0834% | 1,572 |
| Tier 1 risk-based capital ratio | 20.0109% | 1,387 |
| Total risk-based capital ratio | 20.8474% | 1,450 |
| Memoranda: | ||
| Average total assets | $180,901,500 | 3,178 |
| Average earning assets | $171,313,000 | 3,116 |
| Average equity | $21,517,500 | 3,026 |
| Average total loans | $105,340,000 | 3,309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,673 |
| Cost of funding earning assets | 0.3226% | 3,817 |
| Net interest margin | 3.2142% | 4,401 |
| Noninterest income to average assets | 0.7244% | 2,056 |
| Noninterest expense to average assets | 2.6847% | 3,387 |
| Loan and lease loss provision to assets | 0.0345% | 3,673 |
| Net operating income to assets | 1.0174% | 2,276 |
| Return on assets (ROA) | 1.1220% | 1,897 |
| Pretax return on assets | 1.1387% | 2,939 |
| Return on Equity (ROE) | 8.7543% | 2,541 |
| Retained earnings to average equity (ytd only) | 1.4254% | 4,697 |
| Net charge-offs to loans | 0.1283% | 1,961 |
| Credit loss provision to net charge-offs | 44.4444% | 3,450 |
| Earnings coverage of net charge-offs (x) | 13.7630% | 2,345 |
| Efficiency ratio | 71.5511% | 2,657 |
| Assets per employee ($millions) | 3.9618% | 4,042 |
| Cash dividends to net income (ytd only)* | 83.7174% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 5,114 |
| Loan loss allowance to noncurrent loans | 136.6826% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,849 |
| Noncurrent loans to loans | 0.5837% | 3,098 |
| Net loans and leases to total assets | 58.4703% | 4,023 |
| Net loans and leases to deposits | 68.6474% | 4,034 |
| Net loans and leases to core deposits | 69.5303% | 4,283 |
| Total domestic deposits to total assets | 85.1747% | 2,971 |
| Equity capital to assets | 11.9302% | 1,857 |
| Core capital (leverage) ratio | 12.6825% | 1,260 |
| Tier 1 risk-based capital ratio | 20.5342% | 1,285 |
| Total risk-based capital ratio | 21.3597% | 1,332 |
| Memoranda: | ||
| Average total assets | $174,063,400 | 3,232 |
| Average earning assets | $163,959,200 | 3,183 |
| Average equity | $22,309,000 | 2,962 |
| Average total loans | $105,204,600 | 3,289 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 4,624 |
| Cost of funding earning assets | 0.3281% | 3,797 |
| Net interest margin | 3.2456% | 4,359 |
| Noninterest income to average assets | 0.7216% | 2,074 |
| Noninterest expense to average assets | 2.7198% | 3,294 |
| Loan and lease loss provision to assets | 0.0349% | 3,539 |
| Net operating income to assets | 1.0110% | 2,381 |
| Return on assets (ROA) | 1.1185% | 2,030 |
| Pretax return on assets | 1.1347% | 3,097 |
| Return on Equity (ROE) | 8.5696% | 2,723 |
| Retained earnings to average equity (ytd only) | 0.0535% | 5,330 |
| Net charge-offs to loans | 0.1350% | 1,624 |
| Credit loss provision to net charge-offs | 42.4528% | 3,134 |
| Earnings coverage of net charge-offs (x) | 12.9151% | 2,348 |
| Efficiency ratio | 71.9352% | 2,590 |
| Assets per employee ($millions) | 3.7108% | 4,450 |
| Cash dividends to net income (ytd only)* | 99.3763% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 5,144 |
| Loan loss allowance to noncurrent loans | 110.8142% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 3,496 |
| Noncurrent loans to loans | 0.7369% | 2,832 |
| Net loans and leases to total assets | 61.9767% | 3,638 |
| Net loans and leases to deposits | 75.5465% | 3,448 |
| Net loans and leases to core deposits | 76.7645% | 3,771 |
| Total domestic deposits to total assets | 82.0379% | 3,927 |
| Equity capital to assets | 13.3780% | 1,303 |
| Core capital (leverage) ratio | 12.9604% | 1,204 |
| Tier 1 risk-based capital ratio | 20.1318% | 1,423 |
| Total risk-based capital ratio | 20.9653% | 1,466 |
| Memoranda: | ||
| Average total assets | $172,018,500 | 3,267 |
| Average earning assets | $162,146,000 | 3,216 |
| Average equity | $22,450,750 | 2,971 |
| Average total loans | $104,652,000 | 3,314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5944% | 4,607 |
| Cost of funding earning assets | 0.3249% | 3,850 |
| Net interest margin | 3.2696% | 4,327 |
| Noninterest income to average assets | 0.7097% | 2,098 |
| Noninterest expense to average assets | 2.7183% | 3,323 |
| Loan and lease loss provision to assets | 0.0348% | 3,454 |
| Net operating income to assets | 1.0219% | 2,287 |
| Return on assets (ROA) | 1.1597% | 1,845 |
| Pretax return on assets | 1.1771% | 2,872 |
| Return on Equity (ROE) | 8.9596% | 2,511 |
| Retained earnings to average equity (ytd only) | -2.3026% | 5,566 |
| Net charge-offs to loans | 0.1885% | 1,220 |
| Credit loss provision to net charge-offs | 30.6122% | 2,854 |
| Earnings coverage of net charge-offs (x) | 9.4388% | 2,423 |
| Efficiency ratio | 71.7039% | 2,714 |
| Assets per employee ($millions) | 3.6692% | 4,492 |
| Cash dividends to net income (ytd only)* | 125.7000% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 5,216 |
| Loan loss allowance to noncurrent loans | 159.7043% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 4,018 |
| Noncurrent loans to loans | 0.5158% | 3,536 |
| Net loans and leases to total assets | 60.3235% | 3,840 |
| Net loans and leases to deposits | 72.9450% | 3,705 |
| Net loans and leases to core deposits | 74.1000% | 3,970 |
| Total domestic deposits to total assets | 82.6972% | 3,765 |
| Equity capital to assets | 13.0790% | 1,456 |
| Core capital (leverage) ratio | 12.6187% | 1,296 |
| Tier 1 risk-based capital ratio | 20.1725% | 1,421 |
| Total risk-based capital ratio | 21.0114% | 1,468 |
| Memoranda: | ||
| Average total assets | $172,458,670 | 3,285 |
| Average earning assets | $162,528,670 | 3,236 |
| Average equity | $22,322,330 | 2,990 |
| Average total loans | $103,981,330 | 3,341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,493 |
| Cost of funding earning assets | 0.3281% | 3,863 |
| Net interest margin | 3.3160% | 4,162 |
| Noninterest income to average assets | 0.7097% | 1,993 |
| Noninterest expense to average assets | 2.7392% | 3,278 |
| Loan and lease loss provision to assets | 0.0348% | 3,196 |
| Net operating income to assets | 1.0379% | 2,130 |
| Return on assets (ROA) | 1.1550% | 1,809 |
| Pretax return on assets | 1.1713% | 2,814 |
| Return on Equity (ROE) | 8.9705% | 2,441 |
| Retained earnings to average equity (ytd only) | -6.5568% | 5,696 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5758% | 2,857 |
| Assets per employee ($millions) | 3.7105% | 4,448 |
| Cash dividends to net income (ytd only)* | 173.0924% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 5,004 |
| Loan loss allowance to noncurrent loans | 205.4230% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,265 |
| Noncurrent loans to loans | 0.4458% | 3,843 |
| Net loans and leases to total assets | 60.0315% | 3,766 |
| Net loans and leases to deposits | 71.5234% | 3,695 |
| Net loans and leases to core deposits | 72.5227% | 4,027 |
| Total domestic deposits to total assets | 83.9327% | 3,548 |
| Equity capital to assets | 12.9902% | 1,415 |
| Core capital (leverage) ratio | 12.5445% | 1,322 |
| Tier 1 risk-based capital ratio | 20.0576% | 1,486 |
| Total risk-based capital ratio | 20.9745% | 1,529 |
| Memoranda: | ||
| Average total assets | $172,462,000 | 3,299 |
| Average earning assets | $162,122,500 | 3,255 |
| Average equity | $22,206,000 | 3,004 |
| Average total loans | $103,525,500 | 3,366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4693% | 5,004 |
| Cost of funding earning assets | 0.3325% | 3,878 |
| Net interest margin | 3.1368% | 4,817 |
| Noninterest income to average assets | 0.6920% | 2,243 |
| Noninterest expense to average assets | 2.5944% | 3,944 |
| Loan and lease loss provision to assets | 0.0171% | 4,068 |
| Net operating income to assets | 1.0267% | 2,219 |
| Return on assets (ROA) | 1.0695% | 2,120 |
| Pretax return on assets | 1.0849% | 3,133 |
| Return on Equity (ROE) | 8.5687% | 2,686 |
| Retained earnings to average equity (ytd only) | 1.3438% | 4,958 |
| Net charge-offs to loans | 0.1038% | 2,366 |
| Credit loss provision to net charge-offs | 29.1262% | 3,669 |
| Earnings coverage of net charge-offs (x) | 18.0777% | 2,032 |
| Efficiency ratio | 71.0195% | 3,067 |
| Assets per employee ($millions) | 3.7879% | 4,308 |
| Cash dividends to net income (ytd only)* | 84.3169% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 5,084 |
| Loan loss allowance to noncurrent loans | 197.0402% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 4,384 |
| Noncurrent loans to loans | 0.4564% | 3,835 |
| Net loans and leases to total assets | 58.9462% | 3,976 |
| Net loans and leases to deposits | 70.0010% | 3,922 |
| Net loans and leases to core deposits | 71.5732% | 4,168 |
| Total domestic deposits to total assets | 84.2076% | 3,398 |
| Equity capital to assets | 12.7639% | 1,481 |
| Core capital (leverage) ratio | 12.4928% | 1,354 |
| Tier 1 risk-based capital ratio | 20.3369% | 1,419 |
| Total risk-based capital ratio | 21.2361% | 1,460 |
| Memoranda: | ||
| Average total assets | $175,876,200 | 3,220 |
| Average earning assets | $166,026,800 | 3,175 |
| Average equity | $21,952,000 | 2,979 |
| Average total loans | $99,239,800 | 3,399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 5,128 |
| Cost of funding earning assets | 0.3310% | 3,979 |
| Net interest margin | 3.1043% | 4,955 |
| Noninterest income to average assets | 0.6762% | 2,348 |
| Noninterest expense to average assets | 2.5821% | 3,938 |
| Loan and lease loss provision to assets | 0.0174% | 3,928 |
| Net operating income to assets | 0.9982% | 2,479 |
| Return on assets (ROA) | 1.0536% | 2,296 |
| Pretax return on assets | 1.0695% | 3,329 |
| Return on Equity (ROE) | 8.4885% | 2,829 |
| Retained earnings to average equity (ytd only) | -0.2194% | 5,642 |
| Net charge-offs to loans | 0.1399% | 1,727 |
| Credit loss provision to net charge-offs | 22.3301% | 3,347 |
| Earnings coverage of net charge-offs (x) | 13.2330% | 2,343 |
| Efficiency ratio | 71.4674% | 2,969 |
| Assets per employee ($millions) | 3.7517% | 4,355 |
| Cash dividends to net income (ytd only)* | 102.5844% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 5,065 |
| Loan loss allowance to noncurrent loans | 197.2281% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,550 |
| Noncurrent loans to loans | 0.4718% | 3,943 |
| Net loans and leases to total assets | 57.0588% | 4,239 |
| Net loans and leases to deposits | 70.0230% | 3,982 |
| Net loans and leases to core deposits | 71.5338% | 4,232 |
| Total domestic deposits to total assets | 81.4857% | 4,329 |
| Equity capital to assets | 12.7975% | 1,565 |
| Core capital (leverage) ratio | 12.3181% | 1,504 |
| Tier 1 risk-based capital ratio | 20.5167% | 1,433 |
| Total risk-based capital ratio | 21.4311% | 1,474 |
| Memoranda: | ||
| Average total assets | $176,284,750 | 3,247 |
| Average earning assets | $166,776,750 | 3,191 |
| Average equity | $21,880,000 | 3,003 |
| Average total loans | $98,139,500 | 3,447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 5,198 |
| Cost of funding earning assets | 0.3321% | 4,027 |
| Net interest margin | 3.0817% | 5,010 |
| Noninterest income to average assets | 0.6613% | 2,409 |
| Noninterest expense to average assets | 2.5766% | 3,984 |
| Loan and lease loss provision to assets | 0.0169% | 3,789 |
| Net operating income to assets | 0.9697% | 2,538 |
| Return on assets (ROA) | 1.0523% | 2,242 |
| Pretax return on assets | 1.0681% | 3,312 |
| Return on Equity (ROE) | 8.5644% | 2,765 |
| Retained earnings to average equity (ytd only) | -2.9159% | 5,919 |
| Net charge-offs to loans | 0.0819% | 2,234 |
| Credit loss provision to net charge-offs | 37.5000% | 2,844 |
| Earnings coverage of net charge-offs (x) | 22.2250% | 1,652 |
| Efficiency ratio | 72.0088% | 2,997 |
| Assets per employee ($millions) | 3.8606% | 4,147 |
| Cash dividends to net income (ytd only)* | 134.0471% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 4,922 |
| Loan loss allowance to noncurrent loans | 143.0657% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 4,213 |
| Noncurrent loans to loans | 0.6914% | 3,418 |
| Net loans and leases to total assets | 56.4636% | 4,288 |
| Net loans and leases to deposits | 68.3144% | 4,109 |
| Net loans and leases to core deposits | 69.3622% | 4,381 |
| Total domestic deposits to total assets | 82.6526% | 4,077 |
| Equity capital to assets | 12.2492% | 1,840 |
| Core capital (leverage) ratio | 11.9239% | 1,705 |
| Tier 1 risk-based capital ratio | 20.5051% | 1,452 |
| Total risk-based capital ratio | 21.4843% | 1,477 |
| Memoranda: | ||
| Average total assets | $177,519,670 | 3,252 |
| Average earning assets | $168,023,000 | 3,194 |
| Average equity | $21,811,330 | 3,018 |
| Average total loans | $97,720,330 | 3,478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 5,198 |
| Cost of funding earning assets | 0.3307% | 4,087 |
| Net interest margin | 3.0704% | 5,029 |
| Noninterest income to average assets | 0.6510% | 2,397 |
| Noninterest expense to average assets | 2.5616% | 4,057 |
| Loan and lease loss provision to assets | 0.0178% | 3,490 |
| Net operating income to assets | 0.9529% | 2,493 |
| Return on assets (ROA) | 1.1080% | 1,949 |
| Pretax return on assets | 1.1281% | 2,959 |
| Return on Equity (ROE) | 9.0048% | 2,445 |
| Retained earnings to average equity (ytd only) | -7.0118% | 6,039 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1734% | 3,143 |
| Assets per employee ($millions) | 3.8169% | 4,311 |
| Cash dividends to net income (ytd only)* | 177.8672% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,820 |
| Loan loss allowance to noncurrent loans | 145.1289% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 4,468 |
| Noncurrent loans to loans | 0.7169% | 3,474 |
| Net loans and leases to total assets | 53.7070% | 4,483 |
| Net loans and leases to deposits | 63.3168% | 4,452 |
| Net loans and leases to core deposits | 64.3388% | 4,665 |
| Total domestic deposits to total assets | 84.8226% | 3,492 |
| Equity capital to assets | 12.2597% | 1,848 |
| Core capital (leverage) ratio | 11.8461% | 1,742 |
| Tier 1 risk-based capital ratio | 20.2457% | 1,565 |
| Total risk-based capital ratio | 21.2472% | 1,589 |
| Memoranda: | ||
| Average total assets | $179,416,500 | 3,241 |
| Average earning assets | $169,357,000 | 3,187 |
| Average equity | $22,077,000 | 3,009 |
| Average total loans | $97,044,500 | 3,505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 5,350 |
| Cost of funding earning assets | 0.3798% | 3,913 |
| Net interest margin | 3.1052% | 5,190 |
| Noninterest income to average assets | 0.6801% | 2,395 |
| Noninterest expense to average assets | 2.5124% | 4,503 |
| Loan and lease loss provision to assets | 0.0338% | 3,916 |
| Net operating income to assets | 1.0348% | 2,241 |
| Return on assets (ROA) | 1.1111% | 1,987 |
| Pretax return on assets | 1.1274% | 2,980 |
| Return on Equity (ROE) | 9.3041% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.1341% | 4,713 |
| Net charge-offs to loans | -0.0011% | 5,345 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8577% | 3,555 |
| Assets per employee ($millions) | 3.8179% | 4,314 |
| Cash dividends to net income (ytd only)* | 77.0633% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,862 |
| Loan loss allowance to noncurrent loans | 154.8536% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 4,617 |
| Noncurrent loans to loans | 0.6709% | 3,669 |
| Net loans and leases to total assets | 53.3462% | 4,656 |
| Net loans and leases to deposits | 62.9782% | 4,641 |
| Net loans and leases to core deposits | 63.9946% | 4,825 |
| Total domestic deposits to total assets | 84.7058% | 3,415 |
| Equity capital to assets | 12.3500% | 1,734 |
| Core capital (leverage) ratio | 12.1483% | 1,535 |
| Tier 1 risk-based capital ratio | 21.0295% | 1,402 |
| Total risk-based capital ratio | 22.0432% | 1,420 |
| Memoranda: | ||
| Average total assets | $177,756,000 | 3,232 |
| Average earning assets | $166,948,400 | 3,196 |
| Average equity | $21,227,200 | 3,027 |
| Average total loans | $92,165,000 | 3,584 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 5,390 |
| Cost of funding earning assets | 0.3880% | 3,925 |
| Net interest margin | 3.1134% | 5,215 |
| Noninterest income to average assets | 0.6925% | 2,367 |
| Noninterest expense to average assets | 2.5571% | 4,331 |
| Loan and lease loss provision to assets | 0.0338% | 3,729 |
| Net operating income to assets | 1.0121% | 2,397 |
| Return on assets (ROA) | 1.1015% | 2,090 |
| Pretax return on assets | 1.1180% | 3,118 |
| Return on Equity (ROE) | 9.3041% | 2,540 |
| Retained earnings to average equity (ytd only) | 0.9907% | 5,488 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6628% | 3,395 |
| Assets per employee ($millions) | 3.7217% | 4,448 |
| Cash dividends to net income (ytd only)* | 89.3518% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,006 |
| Loan loss allowance to noncurrent loans | 171.4038% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 4,951 |
| Noncurrent loans to loans | 0.6110% | 4,093 |
| Net loans and leases to total assets | 53.4253% | 4,645 |
| Net loans and leases to deposits | 64.3239% | 4,504 |
| Net loans and leases to core deposits | 65.5249% | 4,754 |
| Total domestic deposits to total assets | 83.0567% | 4,123 |
| Equity capital to assets | 12.2891% | 1,840 |
| Core capital (leverage) ratio | 12.0375% | 1,682 |
| Tier 1 risk-based capital ratio | 20.9052% | 1,474 |
| Total risk-based capital ratio | 21.9113% | 1,483 |
| Memoranda: | ||
| Average total assets | $177,334,750 | 3,270 |
| Average earning assets | $166,670,750 | 3,224 |
| Average equity | $20,993,750 | 3,065 |
| Average total loans | $91,023,750 | 3,639 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 5,454 |
| Cost of funding earning assets | 0.3916% | 3,972 |
| Net interest margin | 3.0853% | 5,300 |
| Noninterest income to average assets | 0.7084% | 2,242 |
| Noninterest expense to average assets | 2.5171% | 4,529 |
| Loan and lease loss provision to assets | 0.0337% | 3,615 |
| Net operating income to assets | 1.0428% | 2,150 |
| Return on assets (ROA) | 1.1351% | 1,887 |
| Pretax return on assets | 1.1519% | 2,872 |
| Return on Equity (ROE) | 9.7089% | 2,280 |
| Retained earnings to average equity (ytd only) | -0.9123% | 5,838 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7356% | 3,703 |
| Assets per employee ($millions) | 3.8842% | 4,100 |
| Cash dividends to net income (ytd only)* | 109.3966% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 5,123 |
| Loan loss allowance to noncurrent loans | 151.7134% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 4,948 |
| Noncurrent loans to loans | 0.6910% | 3,991 |
| Net loans and leases to total assets | 51.4549% | 4,804 |
| Net loans and leases to deposits | 62.3492% | 4,659 |
| Net loans and leases to core deposits | 63.6357% | 4,845 |
| Total domestic deposits to total assets | 82.5269% | 4,468 |
| Equity capital to assets | 11.9284% | 2,039 |
| Core capital (leverage) ratio | 11.7634% | 1,816 |
| Tier 1 risk-based capital ratio | 20.5791% | 1,548 |
| Total risk-based capital ratio | 21.5666% | 1,581 |
| Memoranda: | ||
| Average total assets | $178,140,000 | 3,272 |
| Average earning assets | $167,501,330 | 3,226 |
| Average equity | $20,826,330 | 3,080 |
| Average total loans | $89,885,000 | 3,677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 5,458 |
| Cost of funding earning assets | 0.4054% | 3,901 |
| Net interest margin | 3.0827% | 5,304 |
| Noninterest income to average assets | 0.6926% | 2,211 |
| Noninterest expense to average assets | 2.5299% | 4,522 |
| Loan and lease loss provision to assets | 0.0337% | 3,376 |
| Net operating income to assets | 1.0034% | 2,198 |
| Return on assets (ROA) | 1.0502% | 2,075 |
| Pretax return on assets | 1.0659% | 3,056 |
| Return on Equity (ROE) | 9.0755% | 2,425 |
| Retained earnings to average equity (ytd only) | -4.3725% | 6,087 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6215% | 3,720 |
| Assets per employee ($millions) | 3.7897% | 4,351 |
| Cash dividends to net income (ytd only)* | 148.1799% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,113 |
| Loan loss allowance to noncurrent loans | 162.5424% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 5,155 |
| Noncurrent loans to loans | 0.6778% | 4,171 |
| Net loans and leases to total assets | 48.3343% | 5,080 |
| Net loans and leases to deposits | 56.5554% | 5,068 |
| Net loans and leases to core deposits | 57.5882% | 5,230 |
| Total domestic deposits to total assets | 85.4636% | 3,636 |
| Equity capital to assets | 11.5906% | 2,176 |
| Core capital (leverage) ratio | 11.8149% | 1,755 |
| Tier 1 risk-based capital ratio | 21.6614% | 1,349 |
| Total risk-based capital ratio | 22.6919% | 1,363 |
| Memoranda: | ||
| Average total assets | $177,872,500 | 3,301 |
| Average earning assets | $166,735,000 | 3,257 |
| Average equity | $20,583,000 | 3,109 |
| Average total loans | $88,372,000 | 3,740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 5,916 |
| Cost of funding earning assets | 0.5197% | 3,400 |
| Net interest margin | 2.8351% | 5,926 |
| Noninterest income to average assets | 0.6996% | 2,545 |
| Noninterest expense to average assets | 2.4849% | 4,817 |
| Loan and lease loss provision to assets | 0.0337% | 4,445 |
| Net operating income to assets | 0.8405% | 3,086 |
| Return on assets (ROA) | 0.9431% | 2,670 |
| Pretax return on assets | 0.9342% | 3,623 |
| Return on Equity (ROE) | 7.9448% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.2509% | 2,446 |
| Net charge-offs to loans | 0.1198% | 3,613 |
| Credit loss provision to net charge-offs | 59.4059% | 3,583 |
| Earnings coverage of net charge-offs (x) | 15.2673% | 1,884 |
| Efficiency ratio | 74.1752% | 3,102 |
| Assets per employee ($millions) | 3.8615% | 4,139 |
| Cash dividends to net income (ytd only)* | 33.9084% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,334 |
| Loan loss allowance to noncurrent loans | 159.7293% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 5,266 |
| Noncurrent loans to loans | 0.6589% | 4,320 |
| Net loans and leases to total assets | 49.9637% | 5,084 |
| Net loans and leases to deposits | 60.8503% | 4,853 |
| Net loans and leases to core deposits | 62.0098% | 5,053 |
| Total domestic deposits to total assets | 82.1091% | 4,834 |
| Equity capital to assets | 11.5529% | 2,127 |
| Core capital (leverage) ratio | 12.0454% | 1,573 |
| Tier 1 risk-based capital ratio | 21.3887% | 1,358 |
| Total risk-based capital ratio | 22.3801% | 1,378 |
| Memoranda: | ||
| Average total assets | $178,235,600 | 3,288 |
| Average earning assets | $166,625,400 | 3,261 |
| Average equity | $21,158,400 | 3,016 |
| Average total loans | $84,289,000 | 3,818 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 6,043 |
| Cost of funding earning assets | 0.5414% | 3,352 |
| Net interest margin | 2.7707% | 6,061 |
| Noninterest income to average assets | 0.7235% | 2,493 |
| Noninterest expense to average assets | 2.5360% | 4,597 |
| Loan and lease loss provision to assets | 0.0336% | 4,348 |
| Net operating income to assets | 0.7303% | 3,699 |
| Return on assets (ROA) | 0.8080% | 3,434 |
| Pretax return on assets | 0.8229% | 4,210 |
| Return on Equity (ROE) | 6.7610% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.7526% | 4,019 |
| Net charge-offs to loans | 0.1366% | 3,170 |
| Credit loss provision to net charge-offs | 52.9412% | 3,439 |
| Earnings coverage of net charge-offs (x) | 12.2353% | 2,157 |
| Efficiency ratio | 76.5396% | 2,642 |
| Assets per employee ($millions) | 3.8225% | 4,184 |
| Cash dividends to net income (ytd only)* | 44.4959% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,244 |
| Loan loss allowance to noncurrent loans | 310.8553% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 5,894 |
| Noncurrent loans to loans | 0.3611% | 5,308 |
| Net loans and leases to total assets | 47.3413% | 5,417 |
| Net loans and leases to deposits | 56.6048% | 5,320 |
| Net loans and leases to core deposits | 57.6731% | 5,475 |
| Total domestic deposits to total assets | 83.6348% | 4,330 |
| Equity capital to assets | 11.6120% | 2,206 |
| Core capital (leverage) ratio | 11.8160% | 1,803 |
| Tier 1 risk-based capital ratio | 22.0537% | 1,312 |
| Total risk-based capital ratio | 23.1024% | 1,328 |
| Memoranda: | ||
| Average total assets | $178,387,750 | 3,317 |
| Average earning assets | $166,738,000 | 3,290 |
| Average equity | $21,317,750 | 3,040 |
| Average total loans | $82,938,000 | 3,882 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 6,115 |
| Cost of funding earning assets | 0.5603% | 3,308 |
| Net interest margin | 2.7204% | 6,147 |
| Noninterest income to average assets | 0.7454% | 2,437 |
| Noninterest expense to average assets | 2.5809% | 4,452 |
| Loan and lease loss provision to assets | 0.0335% | 4,270 |
| Net operating income to assets | 0.6634% | 4,003 |
| Return on assets (ROA) | 0.7465% | 3,735 |
| Pretax return on assets | 0.7621% | 4,455 |
| Return on Equity (ROE) | 6.1894% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.3121% | 4,207 |
| Net charge-offs to loans | -0.0097% | 5,761 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4068% | 2,393 |
| Assets per employee ($millions) | 3.7269% | 4,354 |
| Cash dividends to net income (ytd only)* | 46.4873% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,826 |
| Loan loss allowance to noncurrent loans | 448.8987% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 5,954 |
| Noncurrent loans to loans | 0.2744% | 5,613 |
| Net loans and leases to total assets | 46.6391% | 5,461 |
| Net loans and leases to deposits | 54.7998% | 5,450 |
| Net loans and leases to core deposits | 55.8182% | 5,612 |
| Total domestic deposits to total assets | 85.1082% | 3,841 |
| Equity capital to assets | 11.8061% | 2,043 |
| Core capital (leverage) ratio | 11.5226% | 1,918 |
| Tier 1 risk-based capital ratio | 21.7490% | 1,342 |
| Total risk-based capital ratio | 22.8748% | 1,331 |
| Memoranda: | ||
| Average total assets | $179,238,330 | 3,321 |
| Average earning assets | $167,770,000 | 3,287 |
| Average equity | $21,617,670 | 3,025 |
| Average total loans | $82,521,330 | 3,915 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2378% | 6,253 |
| Cost of funding earning assets | 0.5808% | 3,285 |
| Net interest margin | 2.6570% | 6,289 |
| Noninterest income to average assets | 0.6796% | 2,697 |
| Noninterest expense to average assets | 2.5354% | 4,630 |
| Loan and lease loss provision to assets | 0.0331% | 4,029 |
| Net operating income to assets | 0.5899% | 4,267 |
| Return on assets (ROA) | 0.6840% | 3,913 |
| Pretax return on assets | 0.7017% | 4,575 |
| Return on Equity (ROE) | 5.6143% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.1875% | 4,344 |
| Net charge-offs to loans | -0.0097% | 5,428 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9026% | 2,347 |
| Assets per employee ($millions) | 3.8819% | 4,189 |
| Cash dividends to net income (ytd only)* | 43.2258% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 5,054 |
| Loan loss allowance to noncurrent loans | 301.8072% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 5,874 |
| Noncurrent loans to loans | 0.4071% | 5,401 |
| Net loans and leases to total assets | 44.1496% | 5,646 |
| Net loans and leases to deposits | 51.9446% | 5,622 |
| Net loans and leases to core deposits | 52.9868% | 5,749 |
| Total domestic deposits to total assets | 84.9935% | 4,043 |
| Equity capital to assets | 12.1081% | 1,967 |
| Core capital (leverage) ratio | 11.3713% | 1,963 |
| Tier 1 risk-based capital ratio | 22.3605% | 1,266 |
| Total risk-based capital ratio | 23.5088% | 1,257 |
| Memoranda: | ||
| Average total assets | $181,275,500 | 3,331 |
| Average earning assets | $170,117,500 | 3,278 |
| Average equity | $22,086,500 | 3,015 |
| Average total loans | $82,425,000 | 3,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 6,141 |
| Cost of funding earning assets | 0.7419% | 3,144 |
| Net interest margin | 2.9003% | 6,224 |
| Noninterest income to average assets | 0.8359% | 2,100 |
| Noninterest expense to average assets | 2.6163% | 4,688 |
| Loan and lease loss provision to assets | 0.0355% | 5,446 |
| Net operating income to assets | 0.9000% | 2,819 |
| Return on assets (ROA) | 1.0032% | 2,543 |
| Pretax return on assets | 1.0185% | 3,479 |
| Return on Equity (ROE) | 7.8421% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.3522% | 4,578 |
| Net charge-offs to loans | -0.0099% | 6,461 |
| Credit loss provision to net charge-offs | -750.0000% | 6,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3875% | 3,171 |
| Assets per employee ($millions) | 3.7521% | 4,464 |
| Cash dividends to net income (ytd only)* | 70.0059% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 5,200 |
| Loan loss allowance to noncurrent loans | 182.7458% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 5,638 |
| Noncurrent loans to loans | 0.6471% | 4,901 |
| Net loans and leases to total assets | 45.7033% | 5,645 |
| Net loans and leases to deposits | 53.8779% | 5,665 |
| Net loans and leases to core deposits | 54.7906% | 5,815 |
| Total domestic deposits to total assets | 84.8276% | 3,932 |
| Equity capital to assets | 12.2608% | 1,884 |
| Core capital (leverage) ratio | 11.6538% | 1,765 |
| Tier 1 risk-based capital ratio | 21.9574% | 1,273 |
| Total risk-based capital ratio | 23.0761% | 1,268 |
| Memoranda: | ||
| Average total assets | $169,167,000 | 3,473 |
| Average earning assets | $159,189,000 | 3,389 |
| Average equity | $21,639,600 | 3,018 |
| Average total loans | $80,923,400 | 4,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 6,156 |
| Cost of funding earning assets | 0.7758% | 3,146 |
| Net interest margin | 2.9591% | 6,255 |
| Noninterest income to average assets | 0.8388% | 2,081 |
| Noninterest expense to average assets | 2.6725% | 4,491 |
| Loan and lease loss provision to assets | 0.0361% | 5,320 |
| Net operating income to assets | 0.9075% | 2,947 |
| Return on assets (ROA) | 1.0190% | 2,646 |
| Pretax return on assets | 1.0366% | 3,577 |
| Return on Equity (ROE) | 7.8776% | 3,337 |
| Retained earnings to average equity (ytd only) | 1.0838% | 5,736 |
| Net charge-offs to loans | -0.0100% | 6,364 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5936% | 3,049 |
| Assets per employee ($millions) | 3.4516% | 5,085 |
| Cash dividends to net income (ytd only)* | 86.2420% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,370 |
| Loan loss allowance to noncurrent loans | 357.1956% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,959 |
| Noncurrent loans to loans | 0.3304% | 5,811 |
| Net loans and leases to total assets | 48.9166% | 5,442 |
| Net loans and leases to deposits | 58.6520% | 5,360 |
| Net loans and leases to core deposits | 59.7508% | 5,582 |
| Total domestic deposits to total assets | 83.4013% | 4,478 |
| Equity capital to assets | 13.3743% | 1,402 |
| Core capital (leverage) ratio | 11.8807% | 1,724 |
| Tier 1 risk-based capital ratio | 22.0667% | 1,320 |
| Total risk-based capital ratio | 23.1908% | 1,314 |
| Memoranda: | ||
| Average total assets | $166,433,000 | 3,546 |
| Average earning assets | $157,072,000 | 3,465 |
| Average equity | $21,529,000 | 3,058 |
| Average total loans | $80,329,750 | 4,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 6,203 |
| Cost of funding earning assets | 0.8036% | 3,162 |
| Net interest margin | 2.9690% | 6,295 |
| Noninterest income to average assets | 0.8135% | 2,122 |
| Noninterest expense to average assets | 2.6745% | 4,520 |
| Loan and lease loss provision to assets | 0.0360% | 5,226 |
| Net operating income to assets | 0.8878% | 2,965 |
| Return on assets (ROA) | 1.0007% | 2,680 |
| Pretax return on assets | 1.0199% | 3,635 |
| Return on Equity (ROE) | 7.8239% | 3,334 |
| Retained earnings to average equity (ytd only) | -1.2477% | 6,246 |
| Net charge-offs to loans | -0.0100% | 6,282 |
| Credit loss provision to net charge-offs | -750.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9794% | 3,080 |
| Assets per employee ($millions) | 3.4456% | 5,099 |
| Cash dividends to net income (ytd only)* | 115.9472% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,490 |
| Loan loss allowance to noncurrent loans | 348.3516% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 6,037 |
| Noncurrent loans to loans | 0.3352% | 5,875 |
| Net loans and leases to total assets | 47.6705% | 5,644 |
| Net loans and leases to deposits | 56.7997% | 5,573 |
| Net loans and leases to core deposits | 57.8339% | 5,789 |
| Total domestic deposits to total assets | 83.9274% | 4,342 |
| Equity capital to assets | 12.7522% | 1,654 |
| Core capital (leverage) ratio | 11.6445% | 1,814 |
| Tier 1 risk-based capital ratio | 21.6283% | 1,365 |
| Total risk-based capital ratio | 22.7287% | 1,365 |
| Memoranda: | ||
| Average total assets | $166,685,330 | 3,557 |
| Average earning assets | $157,294,330 | 3,477 |
| Average equity | $21,319,330 | 3,071 |
| Average total loans | $79,769,330 | 4,111 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 6,268 |
| Cost of funding earning assets | 0.8341% | 3,193 |
| Net interest margin | 2.9551% | 6,381 |
| Noninterest income to average assets | 0.8164% | 2,078 |
| Noninterest expense to average assets | 2.7245% | 4,335 |
| Loan and lease loss provision to assets | 0.0362% | 4,929 |
| Net operating income to assets | 0.8320% | 3,238 |
| Return on assets (ROA) | 1.0072% | 2,643 |
| Pretax return on assets | 1.0241% | 3,593 |
| Return on Equity (ROE) | 7.8627% | 3,342 |
| Retained earnings to average equity (ytd only) | -5.5435% | 6,620 |
| Net charge-offs to loans | -0.0101% | 5,948 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5526% | 2,847 |
| Assets per employee ($millions) | 3.4486% | 5,241 |
| Cash dividends to net income (ytd only)* | 170.5036% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,512 |
| Loan loss allowance to noncurrent loans | 530.6818% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 6,297 |
| Noncurrent loans to loans | 0.2250% | 6,241 |
| Net loans and leases to total assets | 45.7282% | 5,813 |
| Net loans and leases to deposits | 54.1542% | 5,792 |
| Net loans and leases to core deposits | 55.2891% | 5,966 |
| Total domestic deposits to total assets | 84.4407% | 4,304 |
| Equity capital to assets | 12.4347% | 1,763 |
| Core capital (leverage) ratio | 11.4507% | 1,929 |
| Tier 1 risk-based capital ratio | 21.9551% | 1,295 |
| Total risk-based capital ratio | 23.0619% | 1,293 |
| Memoranda: | ||
| Average total assets | $165,611,000 | 3,587 |
| Average earning assets | $156,340,500 | 3,505 |
| Average equity | $21,214,000 | 3,086 |
| Average total loans | $78,936,500 | 4,156 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 6,045 |
| Cost of funding earning assets | 0.9835% | 3,487 |
| Net interest margin | 3.2184% | 6,036 |
| Noninterest income to average assets | 0.7352% | 2,417 |
| Noninterest expense to average assets | 2.7754% | 4,446 |
| Loan and lease loss provision to assets | 0.0381% | 6,097 |
| Net operating income to assets | 0.9244% | 2,508 |
| Return on assets (ROA) | 0.9979% | 2,350 |
| Pretax return on assets | 1.0080% | 3,215 |
| Return on Equity (ROE) | 7.7159% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,197 |
| Net charge-offs to loans | 0.1063% | 5,297 |
| Credit loss provision to net charge-offs | 72.2892% | 4,765 |
| Earnings coverage of net charge-offs (x) | 18.4578% | 1,219 |
| Efficiency ratio | 74.0647% | 3,229 |
| Assets per employee ($millions) | 3.3111% | 5,483 |
| Cash dividends to net income (ytd only)* | 26.5734% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,620 |
| Loan loss allowance to noncurrent loans | 595.4545% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,295 |
| Noncurrent loans to loans | 0.1933% | 6,362 |
| Net loans and leases to total assets | 48.5389% | 5,774 |
| Net loans and leases to deposits | 58.0862% | 5,686 |
| Net loans and leases to core deposits | 59.3648% | 5,898 |
| Total domestic deposits to total assets | 83.5635% | 4,509 |
| Equity capital to assets | 13.2000% | 1,396 |
| Core capital (leverage) ratio | 11.8727% | 1,673 |
| Tier 1 risk-based capital ratio | 22.8633% | 1,114 |
| Total risk-based capital ratio | 23.9783% | 1,111 |
| Memoranda: | ||
| Average total assets | $157,636,200 | 3,662 |
| Average earning assets | $147,528,200 | 3,617 |
| Average equity | $20,386,400 | 3,085 |
| Average total loans | $78,083,600 | 4,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 6,039 |
| Cost of funding earning assets | 1.0082% | 3,625 |
| Net interest margin | 3.2584% | 5,991 |
| Noninterest income to average assets | 0.6901% | 2,665 |
| Noninterest expense to average assets | 2.7751% | 4,445 |
| Loan and lease loss provision to assets | 0.0383% | 5,960 |
| Net operating income to assets | 0.9081% | 2,708 |
| Return on assets (ROA) | 0.9781% | 2,564 |
| Pretax return on assets | 0.9875% | 3,447 |
| Return on Equity (ROE) | 7.6041% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.4514% | 2,880 |
| Net charge-offs to loans | 0.0789% | 5,182 |
| Credit loss provision to net charge-offs | 97.8261% | 3,496 |
| Earnings coverage of net charge-offs (x) | 24.3703% | 1,077 |
| Efficiency ratio | 74.3947% | 3,105 |
| Assets per employee ($millions) | 3.2081% | 5,659 |
| Cash dividends to net income (ytd only)* | 28.3099% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,783 |
| Loan loss allowance to noncurrent loans | 385.2814% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 6,227 |
| Noncurrent loans to loans | 0.2923% | 6,264 |
| Net loans and leases to total assets | 48.7198% | 5,870 |
| Net loans and leases to deposits | 58.4988% | 5,797 |
| Net loans and leases to core deposits | 59.8024% | 6,008 |
| Total domestic deposits to total assets | 83.2834% | 4,565 |
| Equity capital to assets | 13.3613% | 1,433 |
| Core capital (leverage) ratio | 12.0760% | 1,666 |
| Tier 1 risk-based capital ratio | 22.5199% | 1,215 |
| Total risk-based capital ratio | 23.6634% | 1,200 |
| Memoranda: | ||
| Average total assets | $156,484,500 | 3,716 |
| Average earning assets | $145,998,750 | 3,661 |
| Average equity | $20,129,000 | 3,123 |
| Average total loans | $77,687,500 | 4,259 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 6,103 |
| Cost of funding earning assets | 1.0346% | 3,709 |
| Net interest margin | 3.2377% | 6,036 |
| Noninterest income to average assets | 0.6586% | 2,771 |
| Noninterest expense to average assets | 2.8406% | 4,270 |
| Loan and lease loss provision to assets | 0.0387% | 5,831 |
| Net operating income to assets | 0.7931% | 3,109 |
| Return on assets (ROA) | 0.8365% | 3,025 |
| Pretax return on assets | 0.8442% | 3,855 |
| Return on Equity (ROE) | 6.5906% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.9658% | 3,030 |
| Net charge-offs to loans | 0.0751% | 4,897 |
| Credit loss provision to net charge-offs | 103.4483% | 2,987 |
| Earnings coverage of net charge-offs (x) | 22.4483% | 1,120 |
| Efficiency ratio | 77.1979% | 2,826 |
| Assets per employee ($millions) | 3.2785% | 5,465 |
| Cash dividends to net income (ytd only)* | 24.6533% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,411 |
| Loan loss allowance to noncurrent loans | 448.5714% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 6,301 |
| Noncurrent loans to loans | 0.2744% | 6,374 |
| Net loans and leases to total assets | 48.0339% | 6,045 |
| Net loans and leases to deposits | 58.4703% | 5,880 |
| Net loans and leases to core deposits | 59.8134% | 6,102 |
| Total domestic deposits to total assets | 82.1510% | 5,113 |
| Equity capital to assets | 12.9682% | 1,533 |
| Core capital (leverage) ratio | 11.9102% | 1,661 |
| Tier 1 risk-based capital ratio | 22.8522% | 1,144 |
| Total risk-based capital ratio | 24.0368% | 1,133 |
| Memoranda: | ||
| Average total assets | $155,178,330 | 3,762 |
| Average earning assets | $144,796,330 | 3,714 |
| Average equity | $19,694,670 | 3,172 |
| Average total loans | $77,237,330 | 4,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 6,310 |
| Cost of funding earning assets | 1.0503% | 3,849 |
| Net interest margin | 3.1371% | 6,249 |
| Noninterest income to average assets | 0.6568% | 2,798 |
| Noninterest expense to average assets | 2.8764% | 4,162 |
| Loan and lease loss provision to assets | 0.0389% | 5,509 |
| Net operating income to assets | 0.6732% | 3,643 |
| Return on assets (ROA) | 0.7606% | 3,282 |
| Pretax return on assets | 0.7684% | 4,024 |
| Return on Equity (ROE) | 6.0606% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.9779% | 2,651 |
| Net charge-offs to loans | 0.1650% | 3,489 |
| Credit loss provision to net charge-offs | 46.8750% | 3,818 |
| Earnings coverage of net charge-offs (x) | 8.6563% | 1,803 |
| Efficiency ratio | 80.0000% | 2,533 |
| Assets per employee ($millions) | 3.1410% | 5,854 |
| Cash dividends to net income (ytd only)* | 1.3652% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,550 |
| Loan loss allowance to noncurrent loans | 422.3744% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 6,335 |
| Noncurrent loans to loans | 0.2880% | 6,412 |
| Net loans and leases to total assets | 47.8338% | 6,098 |
| Net loans and leases to deposits | 56.8202% | 6,051 |
| Net loans and leases to core deposits | 57.9797% | 6,255 |
| Total domestic deposits to total assets | 84.1845% | 4,414 |
| Equity capital to assets | 12.4408% | 1,656 |
| Core capital (leverage) ratio | 11.8191% | 1,666 |
| Tier 1 risk-based capital ratio | 22.5703% | 1,133 |
| Total risk-based capital ratio | 23.7301% | 1,128 |
| Memoranda: | ||
| Average total assets | $154,082,500 | 3,810 |
| Average earning assets | $144,338,000 | 3,745 |
| Average equity | $19,338,000 | 3,218 |
| Average total loans | $77,589,500 | 4,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 6,151 |
| Cost of funding earning assets | 1.2801% | 4,019 |
| Net interest margin | 3.3070% | 5,959 |
| Noninterest income to average assets | 0.7680% | 2,440 |
| Noninterest expense to average assets | 2.9944% | 3,867 |
| Loan and lease loss provision to assets | 0.0811% | 6,342 |
| Net operating income to assets | 0.7599% | 2,957 |
| Return on assets (ROA) | 0.8092% | 2,891 |
| Pretax return on assets | 0.8045% | 3,615 |
| Return on Equity (ROE) | 6.1768% | 3,533 |
| Retained earnings to average equity (ytd only) | 2.7223% | 3,952 |
| Net charge-offs to loans | 0.0028% | 6,829 |
| Credit loss provision to net charge-offs | 6,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 619.0000% | 33 |
| Efficiency ratio | 78.1696% | 2,680 |
| Assets per employee ($millions) | 3.0223% | 6,051 |
| Cash dividends to net income (ytd only)* | 55.9265% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,577 |
| Loan loss allowance to noncurrent loans | 271.6763% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 6,321 |
| Noncurrent loans to loans | 0.4372% | 6,166 |
| Net loans and leases to total assets | 51.7427% | 5,948 |
| Net loans and leases to deposits | 61.7060% | 5,872 |
| Net loans and leases to core deposits | 63.5408% | 6,097 |
| Total domestic deposits to total assets | 83.8536% | 4,424 |
| Equity capital to assets | 12.6644% | 1,546 |
| Core capital (leverage) ratio | 11.9615% | 1,576 |
| Tier 1 risk-based capital ratio | 22.0988% | 1,164 |
| Total risk-based capital ratio | 23.2728% | 1,140 |
| Memoranda: | ||
| Average total assets | $148,043,400 | 3,909 |
| Average earning assets | $137,103,400 | 3,873 |
| Average equity | $19,395,200 | 3,227 |
| Average total loans | $71,089,800 | 4,640 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 6,162 |
| Cost of funding earning assets | 1.3216% | 4,103 |
| Net interest margin | 3.3358% | 5,903 |
| Noninterest income to average assets | 0.7252% | 2,676 |
| Noninterest expense to average assets | 2.9486% | 3,928 |
| Loan and lease loss provision to assets | 0.0815% | 6,230 |
| Net operating income to assets | 0.7858% | 3,061 |
| Return on assets (ROA) | 0.8265% | 3,035 |
| Pretax return on assets | 0.8184% | 3,833 |
| Return on Equity (ROE) | 6.2556% | 3,699 |
| Retained earnings to average equity (ytd only) | 2.5146% | 4,659 |
| Net charge-offs to loans | 0.0135% | 6,481 |
| Credit loss provision to net charge-offs | 1,285.7143% | 235 |
| Earnings coverage of net charge-offs (x) | 135.6163% | 237 |
| Efficiency ratio | 77.4370% | 2,701 |
| Assets per employee ($millions) | 3.0543% | 6,015 |
| Cash dividends to net income (ytd only)* | 59.8028% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 5,196 |
| Loan loss allowance to noncurrent loans | 252.1127% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 6,397 |
| Noncurrent loans to loans | 0.4980% | 6,204 |
| Net loans and leases to total assets | 47.0349% | 6,604 |
| Net loans and leases to deposits | 57.4971% | 6,511 |
| Net loans and leases to core deposits | 59.2615% | 6,657 |
| Total domestic deposits to total assets | 81.8040% | 5,073 |
| Equity capital to assets | 13.2835% | 1,456 |
| Core capital (leverage) ratio | 12.3019% | 1,508 |
| Tier 1 risk-based capital ratio | 23.0557% | 1,058 |
| Total risk-based capital ratio | 24.2468% | 1,041 |
| Memoranda: | ||
| Average total assets | $147,275,000 | 3,975 |
| Average earning assets | $136,095,500 | 3,944 |
| Average equity | $19,459,500 | 3,257 |
| Average total loans | $69,079,250 | 4,792 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 6,433 |
| Cost of funding earning assets | 1.3483% | 4,198 |
| Net interest margin | 3.2603% | 6,134 |
| Noninterest income to average assets | 0.6745% | 2,853 |
| Noninterest expense to average assets | 2.9601% | 3,854 |
| Loan and lease loss provision to assets | 0.0819% | 6,114 |
| Net operating income to assets | 0.6745% | 3,513 |
| Return on assets (ROA) | 0.7359% | 3,403 |
| Pretax return on assets | 0.7182% | 4,169 |
| Return on Equity (ROE) | 5.5799% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.0456% | 5,346 |
| Net charge-offs to loans | 0.0234% | 6,008 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 67.6250% | 462 |
| Efficiency ratio | 80.0295% | 2,439 |
| Assets per employee ($millions) | 2.9649% | 6,218 |
| Cash dividends to net income (ytd only)* | 81.2616% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,382 |
| Loan loss allowance to noncurrent loans | 132.6154% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 5,848 |
| Noncurrent loans to loans | 0.9151% | 5,448 |
| Net loans and leases to total assets | 48.3009% | 6,605 |
| Net loans and leases to deposits | 58.2824% | 6,555 |
| Net loans and leases to core deposits | 60.8656% | 6,644 |
| Total domestic deposits to total assets | 82.8739% | 4,623 |
| Equity capital to assets | 13.4298% | 1,376 |
| Core capital (leverage) ratio | 12.1836% | 1,550 |
| Tier 1 risk-based capital ratio | 23.1631% | 1,044 |
| Total risk-based capital ratio | 24.3384% | 1,035 |
| Memoranda: | ||
| Average total assets | $146,480,330 | 4,022 |
| Average earning assets | $135,876,330 | 3,977 |
| Average equity | $19,319,330 | 3,267 |
| Average total loans | $68,343,330 | 4,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 6,561 |
| Cost of funding earning assets | 1.3627% | 4,405 |
| Net interest margin | 3.2375% | 6,174 |
| Noninterest income to average assets | 0.6391% | 3,004 |
| Noninterest expense to average assets | 2.9888% | 3,723 |
| Loan and lease loss provision to assets | 0.0816% | 5,823 |
| Net operating income to assets | 0.6065% | 3,864 |
| Return on assets (ROA) | 0.6065% | 4,015 |
| Pretax return on assets | 0.5602% | 4,748 |
| Return on Equity (ROE) | 4.6402% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.6402% | 3,356 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3221% | 2,237 |
| Assets per employee ($millions) | 2.9972% | 6,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 5,027 |
| Loan loss allowance to noncurrent loans | 121.6524% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 5,723 |
| Noncurrent loans to loans | 1.0557% | 5,230 |
| Net loans and leases to total assets | 44.6971% | 6,934 |
| Net loans and leases to deposits | 53.7326% | 6,933 |
| Net loans and leases to core deposits | 56.0496% | 6,999 |
| Total domestic deposits to total assets | 83.1842% | 4,530 |
| Equity capital to assets | 13.1933% | 1,446 |
| Core capital (leverage) ratio | 12.2411% | 1,526 |
| Tier 1 risk-based capital ratio | 23.5060% | 1,013 |
| Total risk-based capital ratio | 24.6623% | 998 |
| Memoranda: | ||
| Average total assets | $147,080,000 | 4,063 |
| Average earning assets | $135,908,000 | 4,042 |
| Average equity | $19,223,500 | 3,302 |
| Average total loans | $66,998,000 | 4,965 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 6,430 |
| Cost of funding earning assets | 1.7223% | 4,397 |
| Net interest margin | 3.2786% | 5,826 |
| Noninterest income to average assets | 0.7757% | 2,535 |
| Noninterest expense to average assets | 3.1332% | 3,603 |
| Loan and lease loss provision to assets | 0.0105% | 7,374 |
| Net operating income to assets | 0.6017% | 3,326 |
| Return on assets (ROA) | 0.6428% | 3,223 |
| Pretax return on assets | 0.6484% | 3,747 |
| Return on Equity (ROE) | 4.9001% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.2407% | 2,252 |
| Net charge-offs to loans | -0.0918% | 7,881 |
| Credit loss provision to net charge-offs | -25.4237% | 7,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5365% | 2,409 |
| Assets per employee ($millions) | 2.9460% | 6,353 |
| Cash dividends to net income (ytd only)* | 13.4573% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 5,157 |
| Loan loss allowance to noncurrent loans | 143.9446% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,793 |
| Noncurrent loans to loans | 0.8563% | 5,585 |
| Net loans and leases to total assets | 45.2599% | 7,035 |
| Net loans and leases to deposits | 54.7407% | 7,002 |
| Net loans and leases to core deposits | 63.2658% | 7,132 |
| Total domestic deposits to total assets | 82.6807% | 4,671 |
| Equity capital to assets | 12.9472% | 1,528 |
| Core capital (leverage) ratio | 12.0122% | 1,661 |
| Tier 1 risk-based capital ratio | 23.4426% | 996 |
| Total risk-based capital ratio | 24.5708% | 987 |
| Memoranda: | ||
| Average total assets | $142,187,200 | 4,077 |
| Average earning assets | $129,017,000 | 4,106 |
| Average equity | $18,652,800 | 3,399 |
| Average total loans | $64,302,400 | 5,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 6,601 |
| Cost of funding earning assets | 1.7935% | 4,413 |
| Net interest margin | 3.2068% | 5,997 |
| Noninterest income to average assets | 0.8024% | 2,421 |
| Noninterest expense to average assets | 3.1490% | 3,465 |
| Loan and lease loss provision to assets | 0.0142% | 7,191 |
| Net operating income to assets | 0.5359% | 3,842 |
| Return on assets (ROA) | 0.5516% | 3,869 |
| Pretax return on assets | 0.5602% | 4,331 |
| Return on Equity (ROE) | 4.1907% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.4791% | 3,346 |
| Net charge-offs to loans | -0.1386% | 7,944 |
| Credit loss provision to net charge-offs | -22.7273% | 7,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9413% | 2,192 |
| Assets per employee ($millions) | 2.8731% | 6,469 |
| Cash dividends to net income (ytd only)* | 16.9816% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 4,655 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,709 |
| Noncurrent loans to loans | 0.9555% | 5,382 |
| Net loans and leases to total assets | 44.8828% | 7,183 |
| Net loans and leases to deposits | 54.1342% | 7,209 |
| Net loans and leases to core deposits | 62.9329% | 7,289 |
| Total domestic deposits to total assets | 82.9103% | 4,266 |
| Equity capital to assets | 13.2819% | 1,583 |
| Core capital (leverage) ratio | 12.0699% | 1,773 |
| Tier 1 risk-based capital ratio | 23.8173% | 1,017 |
| Total risk-based capital ratio | 24.9905% | 1,004 |
| Memoranda: | ||
| Average total assets | $140,909,500 | 4,121 |
| Average earning assets | $127,642,500 | 4,159 |
| Average equity | $18,548,250 | 3,444 |
| Average total loans | $63,503,250 | 5,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 6,449 |
| Cost of funding earning assets | 1.8635% | 4,449 |
| Net interest margin | 3.2335% | 5,790 |
| Noninterest income to average assets | 0.8843% | 2,043 |
| Noninterest expense to average assets | 3.1830% | 3,377 |
| Loan and lease loss provision to assets | 0.0214% | 7,019 |
| Net operating income to assets | 0.5629% | 3,835 |
| Return on assets (ROA) | 0.5629% | 3,949 |
| Pretax return on assets | 0.5729% | 4,391 |
| Return on Equity (ROE) | 4.2894% | 4,380 |
| Retained earnings to average equity (ytd only) | 3.9083% | 3,111 |
| Net charge-offs to loans | -0.2003% | 8,027 |
| Credit loss provision to net charge-offs | -23.8095% | 6,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2663% | 2,448 |
| Assets per employee ($millions) | 2.8988% | 6,396 |
| Cash dividends to net income (ytd only)* | 8.8832% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,112 |
| Loan loss allowance to noncurrent loans | 546.7105% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 6,444 |
| Noncurrent loans to loans | 0.2427% | 6,906 |
| Net loans and leases to total assets | 42.6327% | 7,410 |
| Net loans and leases to deposits | 51.0256% | 7,434 |
| Net loans and leases to core deposits | 58.2247% | 7,519 |
| Total domestic deposits to total assets | 83.5516% | 3,989 |
| Equity capital to assets | 12.6537% | 1,854 |
| Core capital (leverage) ratio | 11.9047% | 1,871 |
| Tier 1 risk-based capital ratio | 23.7620% | 1,064 |
| Total risk-based capital ratio | 24.9383% | 1,048 |
| Memoranda: | ||
| Average total assets | $139,994,670 | 4,175 |
| Average earning assets | $125,250,670 | 4,241 |
| Average equity | $18,371,000 | 3,496 |
| Average total loans | $62,901,670 | 5,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 6,197 |
| Cost of funding earning assets | 1.9322% | 4,476 |
| Net interest margin | 3.2952% | 5,512 |
| Noninterest income to average assets | 0.7010% | 2,887 |
| Noninterest expense to average assets | 3.1413% | 3,225 |
| Loan and lease loss provision to assets | 0.0436% | 6,424 |
| Net operating income to assets | 0.4537% | 4,638 |
| Return on assets (ROA) | 0.4537% | 4,810 |
| Pretax return on assets | 0.4625% | 5,200 |
| Return on Equity (ROE) | 3.3938% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.3938% | 3,997 |
| Net charge-offs to loans | -0.0127% | 7,332 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1244% | 2,051 |
| Assets per employee ($millions) | 2.7135% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,531 |
| Loan loss allowance to noncurrent loans | 412.9730% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,024 |
| Noncurrent loans to loans | 0.2999% | 6,692 |
| Net loans and leases to total assets | 43.1748% | 7,400 |
| Net loans and leases to deposits | 51.9405% | 7,404 |
| Net loans and leases to core deposits | 59.3685% | 7,479 |
| Total domestic deposits to total assets | 83.1237% | 4,080 |
| Equity capital to assets | 13.0720% | 1,713 |
| Core capital (leverage) ratio | 12.3969% | 1,723 |
| Tier 1 risk-based capital ratio | 24.2706% | 1,050 |
| Total risk-based capital ratio | 25.4000% | 1,038 |
| Memoranda: | ||
| Average total assets | $137,523,000 | 4,238 |
| Average earning assets | $122,966,000 | 4,304 |
| Average equity | $18,386,500 | 3,501 |
| Average total loans | $63,041,500 | 5,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6463% | 6,940 |
| Cost of funding earning assets | 2.0464% | 6,252 |
| Net interest margin | 3.5999% | 4,887 |
| Noninterest income to average assets | 0.5507% | 4,226 |
| Noninterest expense to average assets | 2.9828% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7063% | 3,866 |
| Return on assets (ROA) | 0.7144% | 3,661 |
| Pretax return on assets | 0.8836% | 3,778 |
| Return on Equity (ROE) | 5.4391% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.6923% | 2,209 |
| Net charge-offs to loans | 0.5535% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.3070% | 4,432 |
| Efficiency ratio | 77.3483% | 3,027 |
| Assets per employee ($millions) | 2.5272% | 7,155 |
| Cash dividends to net income (ytd only)* | 13.7297% | 4,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 4,878 |
| Loan loss allowance to noncurrent loans | 437.6471% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 5,701 |
| Noncurrent loans to loans | 0.2640% | 6,585 |
| Net loans and leases to total assets | 47.5232% | 7,221 |
| Net loans and leases to deposits | 57.6979% | 7,227 |
| Net loans and leases to core deposits | 65.7630% | 7,367 |
| Total domestic deposits to total assets | 82.3656% | 4,055 |
| Equity capital to assets | 13.6834% | 1,539 |
| Core capital (leverage) ratio | 12.7960% | 1,625 |
| Tier 1 risk-based capital ratio | 24.6327% | 1,018 |
| Total risk-based capital ratio | 25.7651% | 1,011 |
| Memoranda: | ||
| Average total assets | $129,474,400 | 4,294 |
| Average earning assets | $118,892,800 | 4,287 |
| Average equity | $17,006,600 | 3,739 |
| Average total loans | $61,788,600 | 5,188 |