Home > The Farmers & Merchants Bank > Performance and Condition Ratios
The Farmers & Merchants Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 2,692 |
| Cost of funding earning assets | 1.4310% | 2,146 |
| Net interest margin | 3.2650% | 2,721 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.7642% | 1,592 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7082% | 3,174 |
| Return on assets (ROA) | 0.7081% | 3,146 |
| Pretax return on assets | 0.8763% | 3,021 |
| Return on Equity (ROE) | 6.8500% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.9684% | 3,283 |
| Net charge-offs to loans | 0.0551% | 1,306 |
| Credit loss provision to net charge-offs | -22.0126% | 4,436 |
| Earnings coverage of net charge-offs (x) | 24.8129% | 1,747 |
| Efficiency ratio | 73.9112% | 1,468 |
| Assets per employee ($millions) | 5.9733% | 2,846 |
| Cash dividends to net income (ytd only)* | 56.6526% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,142 |
| Loan loss allowance to noncurrent loans | 588.5530% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 2,115 |
| Noncurrent loans to loans | 0.2082% | 2,474 |
| Net loans and leases to total assets | 65.2600% | 2,337 |
| Net loans and leases to deposits | 80.6688% | 2,052 |
| Net loans and leases to core deposits | 85.6317% | 2,329 |
| Total domestic deposits to total assets | 80.9000% | 3,325 |
| Equity capital to assets | 10.4506% | 1,748 |
| Core capital (leverage) ratio | 9.5703% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,744,977,400 | 641 |
| Average earning assets | $1,539,677,000 | 652 |
| Average equity | $180,432,200 | 586 |
| Average total loans | $1,154,261,800 | 653 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,840 |
| Cost of funding earning assets | 1.2515% | 2,279 |
| Net interest margin | 3.2815% | 2,730 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.7579% | 1,526 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.7483% | 3,179 |
| Return on assets (ROA) | 0.7482% | 3,173 |
| Pretax return on assets | 0.9567% | 2,963 |
| Return on Equity (ROE) | 7.2600% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.8928% | 3,287 |
| Net charge-offs to loans | 0.0494% | 1,183 |
| Credit loss provision to net charge-offs | -49.7642% | 4,504 |
| Earnings coverage of net charge-offs (x) | 29.1321% | 1,604 |
| Efficiency ratio | 72.8942% | 1,463 |
| Assets per employee ($millions) | 5.9245% | 2,820 |
| Cash dividends to net income (ytd only)* | 46.3487% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,324 |
| Loan loss allowance to noncurrent loans | 515.8502% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,394 |
| Noncurrent loans to loans | 0.2339% | 2,411 |
| Net loans and leases to total assets | 67.4600% | 2,115 |
| Net loans and leases to deposits | 82.8306% | 1,841 |
| Net loans and leases to core deposits | 88.7222% | 2,012 |
| Total domestic deposits to total assets | 81.4500% | 3,318 |
| Equity capital to assets | 9.6714% | 2,005 |
| Core capital (leverage) ratio | 9.6549% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,730,238,750 | 648 |
| Average earning assets | $1,525,484,750 | 659 |
| Average equity | $178,410,000 | 590 |
| Average total loans | $1,144,854,500 | 658 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3082% | 3,084 |
| Cost of funding earning assets | 1.0299% | 2,502 |
| Net interest margin | 3.2783% | 2,803 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.7534% | 1,518 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6694% | 3,407 |
| Return on assets (ROA) | 0.6691% | 3,412 |
| Pretax return on assets | 0.9094% | 3,141 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.5771% | 3,324 |
| Net charge-offs to loans | -0.0059% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1578% | 1,537 |
| Assets per employee ($millions) | 5.7464% | 2,927 |
| Cash dividends to net income (ytd only)* | 43.6834% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 1,610 |
| Loan loss allowance to noncurrent loans | 365.0315% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 1,889 |
| Noncurrent loans to loans | 0.3779% | 1,790 |
| Net loans and leases to total assets | 66.6100% | 2,094 |
| Net loans and leases to deposits | 81.6848% | 1,853 |
| Net loans and leases to core deposits | 87.6202% | 1,951 |
| Total domestic deposits to total assets | 81.5500% | 3,320 |
| Equity capital to assets | 10.2536% | 1,713 |
| Core capital (leverage) ratio | 9.9248% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,710,584,333 | 638 |
| Average earning assets | $1,507,688,000 | 654 |
| Average equity | $180,200,000 | 574 |
| Average total loans | $1,119,212,333 | 656 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,202 |
| Cost of funding earning assets | 0.8239% | 2,636 |
| Net interest margin | 3.3011% | 2,870 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.7009% | 1,668 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6996% | 3,467 |
| Return on assets (ROA) | 0.6989% | 3,417 |
| Pretax return on assets | 0.8666% | 3,314 |
| Return on Equity (ROE) | 6.5400% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.5446% | 2,629 |
| Net charge-offs to loans | -0.0348% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.9815% | 1,533 |
| Assets per employee ($millions) | 5.5528% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,524 |
| Loan loss allowance to noncurrent loans | 326.0088% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 1,720 |
| Noncurrent loans to loans | 0.4367% | 1,626 |
| Net loans and leases to total assets | 64.3800% | 2,215 |
| Net loans and leases to deposits | 73.4495% | 2,338 |
| Net loans and leases to core deposits | 78.4074% | 2,361 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 10.8966% | 1,380 |
| Core capital (leverage) ratio | 9.9518% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,695,291,000 | 655 |
| Average earning assets | $1,492,838,500 | 670 |
| Average equity | $181,034,000 | 583 |
| Average total loans | $1,090,803,000 | 676 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 2,625 |
| Cost of funding earning assets | 0.3095% | 2,797 |
| Net interest margin | 3.3550% | 2,406 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.6283% | 1,742 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8062% | 3,306 |
| Return on assets (ROA) | 0.8067% | 3,230 |
| Pretax return on assets | 1.0021% | 3,067 |
| Return on Equity (ROE) | 7.4400% | 3,535 |
| Retained earnings to average equity (ytd only) | 3.4390% | 3,580 |
| Net charge-offs to loans | 0.1435% | 569 |
| Credit loss provision to net charge-offs | 64.8508% | 1,749 |
| Earnings coverage of net charge-offs (x) | 11.8787% | 2,135 |
| Efficiency ratio | 69.6322% | 1,739 |
| Assets per employee ($millions) | 5.5819% | 3,141 |
| Cash dividends to net income (ytd only)* | 53.7673% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 2,898 |
| Loan loss allowance to noncurrent loans | 330.1631% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,104 |
| Noncurrent loans to loans | 0.3329% | 1,959 |
| Net loans and leases to total assets | 62.7000% | 2,358 |
| Net loans and leases to deposits | 71.1019% | 2,478 |
| Net loans and leases to core deposits | 74.5133% | 2,530 |
| Total domestic deposits to total assets | 88.1800% | 2,017 |
| Equity capital to assets | 10.4654% | 1,463 |
| Core capital (leverage) ratio | 9.7483% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,729,203,400 | 628 |
| Average earning assets | $1,527,140,200 | 645 |
| Average equity | $187,525,800 | 554 |
| Average total loans | $1,074,236,800 | 642 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 2,411 |
| Cost of funding earning assets | 0.2497% | 2,713 |
| Net interest margin | 3.3235% | 2,219 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.5896% | 1,739 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8132% | 3,199 |
| Return on assets (ROA) | 0.8138% | 3,163 |
| Pretax return on assets | 1.0168% | 2,968 |
| Return on Equity (ROE) | 7.4400% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.9231% | 3,469 |
| Net charge-offs to loans | 0.0261% | 1,301 |
| Credit loss provision to net charge-offs | 428.5714% | 675 |
| Earnings coverage of net charge-offs (x) | 67.1810% | 1,117 |
| Efficiency ratio | 68.7622% | 1,923 |
| Assets per employee ($millions) | 5.3105% | 3,403 |
| Cash dividends to net income (ytd only)* | 47.2679% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,688 |
| Loan loss allowance to noncurrent loans | 296.1115% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 1,916 |
| Noncurrent loans to loans | 0.3955% | 1,824 |
| Net loans and leases to total assets | 65.2100% | 1,958 |
| Net loans and leases to deposits | 73.9018% | 2,061 |
| Net loans and leases to core deposits | 76.4444% | 2,167 |
| Total domestic deposits to total assets | 88.2400% | 2,346 |
| Equity capital to assets | 10.1415% | 1,549 |
| Core capital (leverage) ratio | 9.5842% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,733,094,500 | 628 |
| Average earning assets | $1,532,089,000 | 647 |
| Average equity | $189,572,500 | 555 |
| Average total loans | $1,071,202,750 | 642 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 2,260 |
| Cost of funding earning assets | 0.2196% | 2,647 |
| Net interest margin | 3.2393% | 2,080 |
| Noninterest income to average assets | 0.7446% | 1,186 |
| Noninterest expense to average assets | 2.5281% | 1,843 |
| Loan and lease loss provision to assets | 0.0689% | 1,379 |
| Net operating income to assets | 0.8194% | 2,891 |
| Return on assets (ROA) | 0.8202% | 2,861 |
| Pretax return on assets | 1.0204% | 2,652 |
| Return on Equity (ROE) | 7.3241% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.1995% | 3,693 |
| Net charge-offs to loans | 0.0042% | 1,867 |
| Credit loss provision to net charge-offs | 2,727.2727% | 193 |
| Earnings coverage of net charge-offs (x) | 431.0455% | 292 |
| Efficiency ratio | 68.0578% | 2,235 |
| Assets per employee ($millions) | 5.4332% | 3,287 |
| Cash dividends to net income (ytd only)* | 69.9692% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,745 |
| Loan loss allowance to noncurrent loans | 323.3969% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 2,146 |
| Noncurrent loans to loans | 0.3678% | 2,045 |
| Net loans and leases to total assets | 62.2161% | 2,105 |
| Net loans and leases to deposits | 70.6502% | 2,143 |
| Net loans and leases to core deposits | 73.2227% | 2,227 |
| Total domestic deposits to total assets | 88.0621% | 2,551 |
| Equity capital to assets | 10.5156% | 1,422 |
| Core capital (leverage) ratio | 9.3821% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,742,568,000 | 622 |
| Average earning assets | $1,544,913,333 | 644 |
| Average equity | $195,137,000 | 544 |
| Average total loans | $1,053,326,000 | 638 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 2,182 |
| Cost of funding earning assets | 0.2115% | 2,649 |
| Net interest margin | 3.1571% | 2,001 |
| Noninterest income to average assets | 0.7094% | 1,287 |
| Noninterest expense to average assets | 2.4852% | 1,915 |
| Loan and lease loss provision to assets | 0.0689% | 1,193 |
| Net operating income to assets | 0.7815% | 2,718 |
| Return on assets (ROA) | 0.7826% | 2,713 |
| Pretax return on assets | 0.9604% | 2,574 |
| Return on Equity (ROE) | 6.7818% | 3,105 |
| Retained earnings to average equity (ytd only) | 1.8069% | 3,594 |
| Net charge-offs to loans | -0.0140% | 3,734 |
| Credit loss provision to net charge-offs | -833.3333% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7606% | 2,401 |
| Assets per employee ($millions) | 5.3412% | 3,456 |
| Cash dividends to net income (ytd only)* | 73.3568% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,743 |
| Loan loss allowance to noncurrent loans | 400.7502% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,525 |
| Noncurrent loans to loans | 0.3052% | 2,367 |
| Net loans and leases to total assets | 59.2745% | 2,156 |
| Net loans and leases to deposits | 67.9867% | 2,155 |
| Net loans and leases to core deposits | 70.6951% | 2,235 |
| Total domestic deposits to total assets | 87.1855% | 2,860 |
| Equity capital to assets | 10.9828% | 1,334 |
| Core capital (leverage) ratio | 9.4336% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,741,829,500 | 622 |
| Average earning assets | $1,546,868,000 | 646 |
| Average equity | $201,007,500 | 544 |
| Average total loans | $1,030,920,000 | 645 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 2,193 |
| Cost of funding earning assets | 0.2599% | 2,813 |
| Net interest margin | 3.4121% | 1,989 |
| Noninterest income to average assets | 0.7503% | 1,597 |
| Noninterest expense to average assets | 2.5791% | 1,925 |
| Loan and lease loss provision to assets | 0.1397% | 865 |
| Net operating income to assets | 0.7976% | 3,340 |
| Return on assets (ROA) | 0.7987% | 3,407 |
| Pretax return on assets | 1.0488% | 3,128 |
| Return on Equity (ROE) | 6.4536% | 3,655 |
| Retained earnings to average equity (ytd only) | 2.6110% | 3,795 |
| Net charge-offs to loans | 0.0496% | 1,322 |
| Credit loss provision to net charge-offs | 458.9844% | 838 |
| Earnings coverage of net charge-offs (x) | 39.0078% | 1,453 |
| Efficiency ratio | 66.5693% | 2,181 |
| Assets per employee ($millions) | 5.3947% | 3,360 |
| Cash dividends to net income (ytd only)* | 59.5415% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,729 |
| Loan loss allowance to noncurrent loans | 244.4009% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 2,071 |
| Noncurrent loans to loans | 0.5039% | 1,864 |
| Net loans and leases to total assets | 57.6404% | 2,411 |
| Net loans and leases to deposits | 66.8419% | 2,423 |
| Net loans and leases to core deposits | 69.4670% | 2,509 |
| Total domestic deposits to total assets | 86.2339% | 2,826 |
| Equity capital to assets | 12.1003% | 1,213 |
| Core capital (leverage) ratio | 9.6352% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,682,334,600 | 621 |
| Average earning assets | $1,487,036,000 | 645 |
| Average equity | $208,194,400 | 518 |
| Average total loans | $1,032,543,600 | 636 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 2,223 |
| Cost of funding earning assets | 0.2741% | 2,854 |
| Net interest margin | 3.4449% | 2,027 |
| Noninterest income to average assets | 0.7627% | 1,639 |
| Noninterest expense to average assets | 2.5187% | 2,063 |
| Loan and lease loss provision to assets | 0.1458% | 774 |
| Net operating income to assets | 0.8485% | 3,394 |
| Return on assets (ROA) | 0.8495% | 3,448 |
| Pretax return on assets | 1.1388% | 3,107 |
| Return on Equity (ROE) | 6.8252% | 3,713 |
| Retained earnings to average equity (ytd only) | 1.6896% | 4,273 |
| Net charge-offs to loans | 0.0526% | 1,131 |
| Credit loss provision to net charge-offs | 446.2103% | 813 |
| Earnings coverage of net charge-offs (x) | 39.2665% | 1,378 |
| Efficiency ratio | 64.3395% | 2,342 |
| Assets per employee ($millions) | 5.2241% | 3,474 |
| Cash dividends to net income (ytd only)* | 75.2445% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,484 |
| Loan loss allowance to noncurrent loans | 223.4531% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,977 |
| Noncurrent loans to loans | 0.4879% | 2,088 |
| Net loans and leases to total assets | 65.0510% | 1,647 |
| Net loans and leases to deposits | 75.9224% | 1,678 |
| Net loans and leases to core deposits | 79.0887% | 1,811 |
| Total domestic deposits to total assets | 85.6810% | 2,877 |
| Equity capital to assets | 12.3635% | 1,234 |
| Core capital (leverage) ratio | 8.5297% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,668,648,500 | 630 |
| Average earning assets | $1,472,170,500 | 658 |
| Average equity | $207,695,000 | 522 |
| Average total loans | $1,037,243,750 | 647 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 2,496 |
| Cost of funding earning assets | 0.2933% | 2,840 |
| Net interest margin | 3.3492% | 2,302 |
| Noninterest income to average assets | 0.7942% | 1,555 |
| Noninterest expense to average assets | 2.4932% | 2,167 |
| Loan and lease loss provision to assets | 0.1562% | 752 |
| Net operating income to assets | 0.7941% | 3,527 |
| Return on assets (ROA) | 0.7951% | 3,599 |
| Pretax return on assets | 1.0982% | 3,220 |
| Return on Equity (ROE) | 6.3737% | 3,819 |
| Retained earnings to average equity (ytd only) | 1.5568% | 4,231 |
| Net charge-offs to loans | 0.0708% | 922 |
| Credit loss provision to net charge-offs | 362.1170% | 809 |
| Earnings coverage of net charge-offs (x) | 29.0446% | 1,325 |
| Efficiency ratio | 64.6093% | 2,348 |
| Assets per employee ($millions) | 5.0681% | 3,597 |
| Cash dividends to net income (ytd only)* | 75.5744% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,371 |
| Loan loss allowance to noncurrent loans | 294.3104% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 2,344 |
| Noncurrent loans to loans | 0.3770% | 2,547 |
| Net loans and leases to total assets | 62.5083% | 2,116 |
| Net loans and leases to deposits | 72.9727% | 2,113 |
| Net loans and leases to core deposits | 76.8400% | 2,156 |
| Total domestic deposits to total assets | 85.6598% | 2,852 |
| Equity capital to assets | 12.5498% | 1,112 |
| Core capital (leverage) ratio | 9.5993% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,664,147,667 | 623 |
| Average earning assets | $1,466,869,000 | 650 |
| Average equity | $207,602,333 | 519 |
| Average total loans | $1,014,219,000 | 667 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 2,488 |
| Cost of funding earning assets | 0.3205% | 2,790 |
| Net interest margin | 3.3327% | 2,292 |
| Noninterest income to average assets | 0.9015% | 1,322 |
| Noninterest expense to average assets | 2.5524% | 2,017 |
| Loan and lease loss provision to assets | 0.1617% | 779 |
| Net operating income to assets | 0.7371% | 3,609 |
| Return on assets (ROA) | 0.7384% | 3,677 |
| Pretax return on assets | 1.1225% | 3,060 |
| Return on Equity (ROE) | 5.9365% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,925 |
| Net charge-offs to loans | 0.0404% | 1,059 |
| Credit loss provision to net charge-offs | 668.3168% | 521 |
| Earnings coverage of net charge-offs (x) | 53.0198% | 872 |
| Efficiency ratio | 64.6640% | 2,387 |
| Assets per employee ($millions) | 5.0531% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,286 |
| Loan loss allowance to noncurrent loans | 334.9254% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 2,741 |
| Noncurrent loans to loans | 0.3379% | 2,887 |
| Net loans and leases to total assets | 59.1367% | 2,655 |
| Net loans and leases to deposits | 69.5717% | 2,553 |
| Net loans and leases to core deposits | 73.3864% | 2,574 |
| Total domestic deposits to total assets | 85.0011% | 3,090 |
| Equity capital to assets | 12.4715% | 1,092 |
| Core capital (leverage) ratio | 9.7037% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,670,128,000 | 618 |
| Average earning assets | $1,470,042,000 | 638 |
| Average equity | $207,730,500 | 511 |
| Average total loans | $999,158,000 | 677 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 1,787 |
| Cost of funding earning assets | 0.4832% | 3,061 |
| Net interest margin | 3.8411% | 1,391 |
| Noninterest income to average assets | 0.7470% | 1,700 |
| Noninterest expense to average assets | 2.8978% | 1,694 |
| Loan and lease loss provision to assets | 0.1745% | 2,207 |
| Net operating income to assets | 0.8198% | 3,016 |
| Return on assets (ROA) | 0.8320% | 3,097 |
| Pretax return on assets | 1.0546% | 2,862 |
| Return on Equity (ROE) | 6.3109% | 3,480 |
| Retained earnings to average equity (ytd only) | 0.7224% | 4,313 |
| Net charge-offs to loans | 0.0926% | 1,529 |
| Credit loss provision to net charge-offs | 289.1693% | 1,776 |
| Earnings coverage of net charge-offs (x) | 20.1115% | 1,950 |
| Efficiency ratio | 68.6139% | 2,149 |
| Assets per employee ($millions) | 4.8081% | 3,599 |
| Cash dividends to net income (ytd only)* | 88.5525% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,647 |
| Loan loss allowance to noncurrent loans | 120.3346% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 1,861 |
| Noncurrent loans to loans | 0.8786% | 1,610 |
| Net loans and leases to total assets | 59.2041% | 2,961 |
| Net loans and leases to deposits | 71.4942% | 2,735 |
| Net loans and leases to core deposits | 75.4494% | 2,778 |
| Total domestic deposits to total assets | 82.8096% | 3,463 |
| Equity capital to assets | 12.4050% | 1,366 |
| Core capital (leverage) ratio | 9.4886% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,575,898,400 | 593 |
| Average earning assets | $1,380,359,200 | 610 |
| Average equity | $207,768,600 | 492 |
| Average total loans | $1,026,678,400 | 623 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 1,810 |
| Cost of funding earning assets | 0.5217% | 3,101 |
| Net interest margin | 3.8963% | 1,359 |
| Noninterest income to average assets | 0.7543% | 1,636 |
| Noninterest expense to average assets | 2.8363% | 1,864 |
| Loan and lease loss provision to assets | 0.1786% | 2,202 |
| Net operating income to assets | 0.9055% | 2,682 |
| Return on assets (ROA) | 0.9206% | 2,755 |
| Pretax return on assets | 1.1686% | 2,493 |
| Return on Equity (ROE) | 6.8720% | 3,246 |
| Retained earnings to average equity (ytd only) | 2.3033% | 3,823 |
| Net charge-offs to loans | 0.0623% | 1,714 |
| Credit loss provision to net charge-offs | 430.4979% | 1,404 |
| Earnings coverage of net charge-offs (x) | 32.0166% | 1,525 |
| Efficiency ratio | 66.2306% | 2,443 |
| Assets per employee ($millions) | 4.6571% | 3,650 |
| Cash dividends to net income (ytd only)* | 66.4828% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,712 |
| Loan loss allowance to noncurrent loans | 222.7438% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 2,756 |
| Noncurrent loans to loans | 0.4484% | 2,706 |
| Net loans and leases to total assets | 64.2202% | 2,744 |
| Net loans and leases to deposits | 77.7971% | 2,551 |
| Net loans and leases to core deposits | 82.5680% | 2,614 |
| Total domestic deposits to total assets | 82.5483% | 3,266 |
| Equity capital to assets | 13.0728% | 1,149 |
| Core capital (leverage) ratio | 9.8390% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,549,163,250 | 586 |
| Average earning assets | $1,355,872,500 | 606 |
| Average equity | $207,521,750 | 484 |
| Average total loans | $1,031,609,250 | 613 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,935 |
| Cost of funding earning assets | 0.5695% | 3,130 |
| Net interest margin | 3.9244% | 1,516 |
| Noninterest income to average assets | 0.7519% | 1,570 |
| Noninterest expense to average assets | 2.9653% | 1,673 |
| Loan and lease loss provision to assets | 0.1570% | 2,426 |
| Net operating income to assets | 0.8306% | 2,936 |
| Return on assets (ROA) | 0.8529% | 2,972 |
| Pretax return on assets | 1.0832% | 2,766 |
| Return on Equity (ROE) | 6.3135% | 3,394 |
| Retained earnings to average equity (ytd only) | -0.5744% | 4,416 |
| Net charge-offs to loans | 0.0419% | 1,904 |
| Credit loss provision to net charge-offs | 558.1395% | 1,156 |
| Earnings coverage of net charge-offs (x) | 43.0791% | 1,194 |
| Efficiency ratio | 69.0913% | 2,076 |
| Assets per employee ($millions) | 4.3461% | 3,962 |
| Cash dividends to net income (ytd only)* | 109.0979% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,750 |
| Loan loss allowance to noncurrent loans | 157.9692% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,350 |
| Noncurrent loans to loans | 0.6089% | 2,330 |
| Net loans and leases to total assets | 63.3015% | 2,958 |
| Net loans and leases to deposits | 77.1249% | 2,747 |
| Net loans and leases to core deposits | 81.1942% | 2,851 |
| Total domestic deposits to total assets | 82.0766% | 3,350 |
| Equity capital to assets | 12.9103% | 1,205 |
| Core capital (leverage) ratio | 9.7046% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,528,431,667 | 580 |
| Average earning assets | $1,334,074,333 | 599 |
| Average equity | $206,479,333 | 486 |
| Average total loans | $1,027,060,000 | 602 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 1,595 |
| Cost of funding earning assets | 0.6503% | 3,169 |
| Net interest margin | 4.0879% | 1,157 |
| Noninterest income to average assets | 0.7979% | 1,321 |
| Noninterest expense to average assets | 3.3670% | 1,115 |
| Loan and lease loss provision to assets | 0.1608% | 1,799 |
| Net operating income to assets | 0.6710% | 3,364 |
| Return on assets (ROA) | 0.6878% | 3,384 |
| Pretax return on assets | 0.8480% | 3,291 |
| Return on Equity (ROE) | 4.9729% | 3,644 |
| Retained earnings to average equity (ytd only) | 0.1298% | 3,963 |
| Net charge-offs to loans | 0.0505% | 1,507 |
| Credit loss provision to net charge-offs | 461.5385% | 922 |
| Earnings coverage of net charge-offs (x) | 28.3692% | 1,211 |
| Efficiency ratio | 75.4476% | 1,628 |
| Assets per employee ($millions) | 3.9159% | 4,032 |
| Cash dividends to net income (ytd only)* | 97.3899% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,052 |
| Loan loss allowance to noncurrent loans | 229.6525% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 2,870 |
| Noncurrent loans to loans | 0.3992% | 3,059 |
| Net loans and leases to total assets | 67.4947% | 2,618 |
| Net loans and leases to deposits | 83.1280% | 2,320 |
| Net loans and leases to core deposits | 87.9040% | 2,527 |
| Total domestic deposits to total assets | 81.1937% | 3,623 |
| Equity capital to assets | 13.8622% | 1,107 |
| Core capital (leverage) ratio | 10.3771% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,492,970,500 | 572 |
| Average earning assets | $1,299,148,000 | 595 |
| Average equity | $206,478,500 | 480 |
| Average total loans | $1,029,466,500 | 583 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 1,444 |
| Cost of funding earning assets | 0.7396% | 2,977 |
| Net interest margin | 4.2731% | 1,158 |
| Noninterest income to average assets | 0.8333% | 1,351 |
| Noninterest expense to average assets | 3.1315% | 1,685 |
| Loan and lease loss provision to assets | 0.1784% | 1,172 |
| Net operating income to assets | 1.0166% | 2,790 |
| Return on assets (ROA) | 1.0178% | 2,874 |
| Pretax return on assets | 1.2692% | 2,613 |
| Return on Equity (ROE) | 7.5326% | 3,354 |
| Retained earnings to average equity (ytd only) | -11.3725% | 5,082 |
| Net charge-offs to loans | 0.1243% | 1,520 |
| Credit loss provision to net charge-offs | 205.6277% | 1,294 |
| Earnings coverage of net charge-offs (x) | 16.6658% | 2,150 |
| Efficiency ratio | 66.7378% | 2,656 |
| Assets per employee ($millions) | 3.9840% | 3,920 |
| Cash dividends to net income (ytd only)* | 250.9781% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,160 |
| Loan loss allowance to noncurrent loans | 210.0689% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 2,627 |
| Noncurrent loans to loans | 0.4039% | 2,992 |
| Net loans and leases to total assets | 69.1961% | 2,516 |
| Net loans and leases to deposits | 84.5743% | 2,270 |
| Net loans and leases to core deposits | 89.2236% | 2,492 |
| Total domestic deposits to total assets | 81.8169% | 3,555 |
| Equity capital to assets | 13.7979% | 1,170 |
| Core capital (leverage) ratio | 10.2394% | 3,259 |
| Tier 1 risk-based capital ratio | 13.0356% | 3,777 |
| Total risk-based capital ratio | 13.8136% | 3,917 |
| Memoranda: | ||
| Average total assets | $1,331,045,600 | 609 |
| Average earning assets | $1,166,366,800 | 623 |
| Average equity | $179,845,800 | 520 |
| Average total loans | $929,510,400 | 618 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,661 |
| Cost of funding earning assets | 0.7407% | 3,011 |
| Net interest margin | 4.2159% | 1,340 |
| Noninterest income to average assets | 0.8113% | 1,387 |
| Noninterest expense to average assets | 3.0083% | 1,957 |
| Loan and lease loss provision to assets | 0.1498% | 1,266 |
| Net operating income to assets | 1.0893% | 2,613 |
| Return on assets (ROA) | 1.0908% | 2,698 |
| Pretax return on assets | 1.3611% | 2,456 |
| Return on Equity (ROE) | 8.1226% | 3,252 |
| Retained earnings to average equity (ytd only) | -18.0397% | 5,203 |
| Net charge-offs to loans | 0.1209% | 1,293 |
| Credit loss provision to net charge-offs | 177.4786% | 1,443 |
| Earnings coverage of net charge-offs (x) | 17.8751% | 2,073 |
| Efficiency ratio | 64.9587% | 2,871 |
| Assets per employee ($millions) | 4.0606% | 3,821 |
| Cash dividends to net income (ytd only)* | 322.0918% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,559 |
| Loan loss allowance to noncurrent loans | 153.8175% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4805% | 2,599 |
| Noncurrent loans to loans | 0.4848% | 2,846 |
| Net loans and leases to total assets | 72.9782% | 2,003 |
| Net loans and leases to deposits | 93.0896% | 1,307 |
| Net loans and leases to core deposits | 97.8904% | 1,833 |
| Total domestic deposits to total assets | 78.3957% | 4,290 |
| Equity capital to assets | 13.4954% | 1,367 |
| Core capital (leverage) ratio | 9.9305% | 3,705 |
| Tier 1 risk-based capital ratio | 12.1318% | 4,348 |
| Total risk-based capital ratio | 12.8230% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,290,309,750 | 621 |
| Average earning assets | $1,134,273,500 | 637 |
| Average equity | $173,272,500 | 534 |
| Average total loans | $901,231,000 | 643 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 2,483 |
| Cost of funding earning assets | 0.7006% | 3,167 |
| Net interest margin | 3.9600% | 2,058 |
| Noninterest income to average assets | 0.7299% | 1,598 |
| Noninterest expense to average assets | 2.8557% | 2,396 |
| Loan and lease loss provision to assets | 0.1478% | 1,249 |
| Net operating income to assets | 0.9812% | 2,987 |
| Return on assets (ROA) | 0.9857% | 3,044 |
| Pretax return on assets | 1.2286% | 2,817 |
| Return on Equity (ROE) | 7.3551% | 3,550 |
| Retained earnings to average equity (ytd only) | -25.7243% | 5,264 |
| Net charge-offs to loans | 0.0442% | 2,016 |
| Credit loss provision to net charge-offs | 489.1304% | 614 |
| Earnings coverage of net charge-offs (x) | 45.3804% | 1,171 |
| Efficiency ratio | 65.9623% | 2,808 |
| Assets per employee ($millions) | 4.0937% | 3,742 |
| Cash dividends to net income (ytd only)* | 449.7502% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,568 |
| Loan loss allowance to noncurrent loans | 82.1144% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,769 |
| Noncurrent loans to loans | 0.9304% | 1,757 |
| Net loans and leases to total assets | 70.2132% | 2,502 |
| Net loans and leases to deposits | 89.1124% | 1,845 |
| Net loans and leases to core deposits | 93.5194% | 2,280 |
| Total domestic deposits to total assets | 78.7918% | 4,257 |
| Equity capital to assets | 13.4468% | 1,348 |
| Core capital (leverage) ratio | 9.9854% | 3,595 |
| Tier 1 risk-based capital ratio | 12.5449% | 4,100 |
| Total risk-based capital ratio | 13.2444% | 4,311 |
| Memoranda: | ||
| Average total assets | $1,218,256,000 | 649 |
| Average earning assets | $1,075,706,330 | 676 |
| Average equity | $163,261,670 | 562 |
| Average total loans | $832,422,670 | 695 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 2,491 |
| Cost of funding earning assets | 0.6966% | 3,075 |
| Net interest margin | 3.9166% | 2,138 |
| Noninterest income to average assets | 0.6350% | 1,885 |
| Noninterest expense to average assets | 2.8977% | 2,284 |
| Loan and lease loss provision to assets | 0.1705% | 981 |
| Net operating income to assets | 0.8556% | 3,425 |
| Return on assets (ROA) | 0.8544% | 3,475 |
| Pretax return on assets | 1.0480% | 3,289 |
| Return on Equity (ROE) | 6.3913% | 3,877 |
| Retained earnings to average equity (ytd only) | 2.1427% | 4,029 |
| Net charge-offs to loans | 0.0028% | 2,643 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 644.0000% | 106 |
| Efficiency ratio | 68.9179% | 2,514 |
| Assets per employee ($millions) | 4.1112% | 3,753 |
| Cash dividends to net income (ytd only)* | 66.4745% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,804 |
| Loan loss allowance to noncurrent loans | 104.5460% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9288% | 1,514 |
| Noncurrent loans to loans | 1.1071% | 1,509 |
| Net loans and leases to total assets | 65.7558% | 3,090 |
| Net loans and leases to deposits | 88.8049% | 1,769 |
| Net loans and leases to core deposits | 94.4946% | 2,083 |
| Total domestic deposits to total assets | 74.0453% | 4,931 |
| Equity capital to assets | 13.6718% | 1,141 |
| Core capital (leverage) ratio | 11.7184% | 1,968 |
| Tier 1 risk-based capital ratio | 14.7050% | 3,000 |
| Total risk-based capital ratio | 15.6866% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,055,727,500 | 751 |
| Average earning assets | $938,779,500 | 769 |
| Average equity | $141,129,500 | 651 |
| Average total loans | $702,658,000 | 812 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 2,322 |
| Cost of funding earning assets | 0.5716% | 2,909 |
| Net interest margin | 3.9720% | 2,083 |
| Noninterest income to average assets | 0.6620% | 2,005 |
| Noninterest expense to average assets | 2.8266% | 2,596 |
| Loan and lease loss provision to assets | 0.1714% | 1,165 |
| Net operating income to assets | 0.9757% | 3,115 |
| Return on assets (ROA) | 0.9757% | 3,115 |
| Pretax return on assets | 1.2038% | 2,865 |
| Return on Equity (ROE) | 7.5699% | 3,634 |
| Retained earnings to average equity (ytd only) | 4.6233% | 2,979 |
| Net charge-offs to loans | 0.1259% | 1,490 |
| Credit loss provision to net charge-offs | 203.8505% | 1,411 |
| Earnings coverage of net charge-offs (x) | 16.3567% | 2,251 |
| Efficiency ratio | 65.8396% | 2,891 |
| Assets per employee ($millions) | 4.2354% | 3,562 |
| Cash dividends to net income (ytd only)* | 38.9247% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,237 |
| Loan loss allowance to noncurrent loans | 98.9877% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,499 |
| Noncurrent loans to loans | 1.0885% | 1,498 |
| Net loans and leases to total assets | 65.8699% | 3,149 |
| Net loans and leases to deposits | 90.5808% | 1,721 |
| Net loans and leases to core deposits | 96.2343% | 2,046 |
| Total domestic deposits to total assets | 72.7195% | 5,026 |
| Equity capital to assets | 13.0683% | 1,315 |
| Core capital (leverage) ratio | 11.2204% | 2,330 |
| Tier 1 risk-based capital ratio | 14.3358% | 3,146 |
| Total risk-based capital ratio | 15.2468% | 3,217 |
| Memoranda: | ||
| Average total assets | $1,050,288,800 | 734 |
| Average earning assets | $935,983,600 | 752 |
| Average equity | $135,378,600 | 639 |
| Average total loans | $701,421,600 | 789 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,408 |
| Cost of funding earning assets | 0.5149% | 3,097 |
| Net interest margin | 3.9520% | 2,119 |
| Noninterest income to average assets | 0.6456% | 2,096 |
| Noninterest expense to average assets | 2.8254% | 2,550 |
| Loan and lease loss provision to assets | 0.1719% | 1,079 |
| Net operating income to assets | 0.9525% | 3,296 |
| Return on assets (ROA) | 0.9525% | 3,309 |
| Pretax return on assets | 1.1753% | 3,094 |
| Return on Equity (ROE) | 7.4154% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.4327% | 2,992 |
| Net charge-offs to loans | 0.1513% | 1,088 |
| Credit loss provision to net charge-offs | 170.0252% | 1,569 |
| Earnings coverage of net charge-offs (x) | 13.3249% | 2,372 |
| Efficiency ratio | 66.2669% | 2,818 |
| Assets per employee ($millions) | 4.5205% | 3,089 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,947 |
| Loan loss allowance to noncurrent loans | 100.4007% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 1,658 |
| Noncurrent loans to loans | 0.9651% | 1,760 |
| Net loans and leases to total assets | 67.6047% | 3,001 |
| Net loans and leases to deposits | 98.8569% | 875 |
| Net loans and leases to core deposits | 104.8443% | 1,393 |
| Total domestic deposits to total assets | 68.3864% | 5,274 |
| Equity capital to assets | 12.3503% | 1,674 |
| Core capital (leverage) ratio | 11.0632% | 2,520 |
| Tier 1 risk-based capital ratio | 13.6694% | 3,533 |
| Total risk-based capital ratio | 14.5043% | 3,669 |
| Memoranda: | ||
| Average total assets | $1,047,089,000 | 731 |
| Average earning assets | $934,483,500 | 752 |
| Average equity | $134,491,250 | 636 |
| Average total loans | $699,806,500 | 789 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,446 |
| Cost of funding earning assets | 0.4152% | 3,599 |
| Net interest margin | 3.9774% | 1,933 |
| Noninterest income to average assets | 0.6433% | 2,123 |
| Noninterest expense to average assets | 2.7745% | 2,743 |
| Loan and lease loss provision to assets | 0.1748% | 1,043 |
| Net operating income to assets | 0.9934% | 3,055 |
| Return on assets (ROA) | 0.9934% | 3,052 |
| Pretax return on assets | 1.2451% | 2,741 |
| Return on Equity (ROE) | 7.6301% | 3,662 |
| Retained earnings to average equity (ytd only) | 4.6473% | 3,263 |
| Net charge-offs to loans | 0.1159% | 1,234 |
| Credit loss provision to net charge-offs | 227.2727% | 1,202 |
| Earnings coverage of net charge-offs (x) | 18.4646% | 1,901 |
| Efficiency ratio | 64.6852% | 3,217 |
| Assets per employee ($millions) | 4.3339% | 3,379 |
| Cash dividends to net income (ytd only)* | 39.0930% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,863 |
| Loan loss allowance to noncurrent loans | 181.1652% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,385 |
| Noncurrent loans to loans | 0.5501% | 2,763 |
| Net loans and leases to total assets | 67.2148% | 2,988 |
| Net loans and leases to deposits | 95.0177% | 1,247 |
| Net loans and leases to core deposits | 100.3672% | 1,707 |
| Total domestic deposits to total assets | 70.7392% | 5,248 |
| Equity capital to assets | 12.6326% | 1,471 |
| Core capital (leverage) ratio | 11.4254% | 2,135 |
| Tier 1 risk-based capital ratio | 13.8142% | 3,457 |
| Total risk-based capital ratio | 14.6700% | 3,582 |
| Memoranda: | ||
| Average total assets | $1,029,959,000 | 744 |
| Average earning assets | $919,534,330 | 764 |
| Average equity | $134,100,000 | 637 |
| Average total loans | $683,112,330 | 804 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,473 |
| Cost of funding earning assets | 0.3338% | 4,112 |
| Net interest margin | 3.9763% | 1,797 |
| Noninterest income to average assets | 0.6088% | 2,216 |
| Noninterest expense to average assets | 2.7873% | 2,742 |
| Loan and lease loss provision to assets | 0.1779% | 976 |
| Net operating income to assets | 0.9508% | 3,072 |
| Return on assets (ROA) | 0.9495% | 3,094 |
| Pretax return on assets | 1.1883% | 2,808 |
| Return on Equity (ROE) | 7.1804% | 3,710 |
| Retained earnings to average equity (ytd only) | 1.2017% | 4,576 |
| Net charge-offs to loans | 0.1370% | 985 |
| Credit loss provision to net charge-offs | 198.2379% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.2423% | 1,673 |
| Efficiency ratio | 65.5789% | 3,239 |
| Assets per employee ($millions) | 4.2164% | 3,621 |
| Cash dividends to net income (ytd only)* | 83.2639% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,684 |
| Loan loss allowance to noncurrent loans | 156.5718% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 2,278 |
| Noncurrent loans to loans | 0.6685% | 2,545 |
| Net loans and leases to total assets | 64.5075% | 3,241 |
| Net loans and leases to deposits | 84.1450% | 2,377 |
| Net loans and leases to core deposits | 89.8752% | 2,460 |
| Total domestic deposits to total assets | 76.6623% | 4,903 |
| Equity capital to assets | 13.0170% | 1,233 |
| Core capital (leverage) ratio | 11.6421% | 1,900 |
| Tier 1 risk-based capital ratio | 14.4088% | 3,164 |
| Total risk-based capital ratio | 15.2884% | 3,278 |
| Memoranda: | ||
| Average total assets | $1,011,869,500 | 756 |
| Average earning assets | $902,448,000 | 776 |
| Average equity | $133,809,500 | 638 |
| Average total loans | $662,760,500 | 832 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,015 |
| Cost of funding earning assets | 0.3184% | 3,967 |
| Net interest margin | 4.0876% | 1,489 |
| Noninterest income to average assets | 0.6517% | 2,188 |
| Noninterest expense to average assets | 2.6864% | 3,173 |
| Loan and lease loss provision to assets | 0.1647% | 1,342 |
| Net operating income to assets | 0.8744% | 2,838 |
| Return on assets (ROA) | 0.8775% | 2,848 |
| Pretax return on assets | 1.4440% | 1,839 |
| Return on Equity (ROE) | 6.6346% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.6094% | 1,766 |
| Net charge-offs to loans | 0.1590% | 1,532 |
| Credit loss provision to net charge-offs | 157.3896% | 1,698 |
| Earnings coverage of net charge-offs (x) | 15.3244% | 2,254 |
| Efficiency ratio | 60.6578% | 4,164 |
| Assets per employee ($millions) | 4.2694% | 3,542 |
| Cash dividends to net income (ytd only)* | 15.4515% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,867 |
| Loan loss allowance to noncurrent loans | 151.0241% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 2,269 |
| Noncurrent loans to loans | 0.6700% | 2,535 |
| Net loans and leases to total assets | 65.1441% | 3,207 |
| Net loans and leases to deposits | 84.0714% | 2,482 |
| Net loans and leases to core deposits | 89.0058% | 2,652 |
| Total domestic deposits to total assets | 77.4867% | 4,793 |
| Equity capital to assets | 13.4328% | 1,087 |
| Core capital (leverage) ratio | 11.4477% | 1,976 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,126 |
| Total risk-based capital ratio | 15.2786% | 3,250 |
| Memoranda: | ||
| Average total assets | $995,633,200 | 740 |
| Average earning assets | $886,249,600 | 764 |
| Average equity | $131,689,000 | 623 |
| Average total loans | $655,548,600 | 795 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,178 |
| Cost of funding earning assets | 0.3091% | 4,039 |
| Net interest margin | 4.0211% | 1,629 |
| Noninterest income to average assets | 0.6694% | 2,127 |
| Noninterest expense to average assets | 2.6976% | 3,073 |
| Loan and lease loss provision to assets | 0.1545% | 1,341 |
| Net operating income to assets | 0.9079% | 2,993 |
| Return on assets (ROA) | 0.9116% | 3,026 |
| Pretax return on assets | 1.4019% | 2,112 |
| Return on Equity (ROE) | 6.9196% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.5432% | 2,511 |
| Net charge-offs to loans | 0.0608% | 2,248 |
| Credit loss provision to net charge-offs | 385.9060% | 792 |
| Earnings coverage of net charge-offs (x) | 38.7419% | 1,334 |
| Efficiency ratio | 61.4752% | 3,959 |
| Assets per employee ($millions) | 4.1072% | 3,811 |
| Cash dividends to net income (ytd only)* | 19.8910% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 3,993 |
| Loan loss allowance to noncurrent loans | 68.9778% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 1,256 |
| Noncurrent loans to loans | 1.4657% | 1,271 |
| Net loans and leases to total assets | 68.0386% | 2,839 |
| Net loans and leases to deposits | 88.8241% | 1,951 |
| Net loans and leases to core deposits | 94.6345% | 2,208 |
| Total domestic deposits to total assets | 76.5992% | 4,945 |
| Equity capital to assets | 13.4534% | 1,182 |
| Core capital (leverage) ratio | 11.2751% | 2,205 |
| Tier 1 risk-based capital ratio | 13.9726% | 3,456 |
| Total risk-based capital ratio | 14.8525% | 3,560 |
| Memoranda: | ||
| Average total assets | $992,644,250 | 749 |
| Average earning assets | $883,493,500 | 771 |
| Average equity | $130,774,500 | 631 |
| Average total loans | $653,662,000 | 802 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,278 |
| Cost of funding earning assets | 0.2816% | 4,268 |
| Net interest margin | 3.9705% | 1,708 |
| Noninterest income to average assets | 0.7303% | 1,859 |
| Noninterest expense to average assets | 2.7261% | 2,992 |
| Loan and lease loss provision to assets | 0.1516% | 1,329 |
| Net operating income to assets | 0.8136% | 3,343 |
| Return on assets (ROA) | 0.8144% | 3,388 |
| Pretax return on assets | 1.3844% | 2,079 |
| Return on Equity (ROE) | 6.2260% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.1398% | 3,241 |
| Net charge-offs to loans | 0.0103% | 3,097 |
| Credit loss provision to net charge-offs | 2,272.7273% | 189 |
| Earnings coverage of net charge-offs (x) | 230.0909% | 369 |
| Efficiency ratio | 61.8786% | 4,008 |
| Assets per employee ($millions) | 3.9466% | 4,050 |
| Cash dividends to net income (ytd only)* | 33.5071% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,922 |
| Loan loss allowance to noncurrent loans | 119.6181% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,079 |
| Noncurrent loans to loans | 0.8671% | 2,244 |
| Net loans and leases to total assets | 65.5189% | 3,180 |
| Net loans and leases to deposits | 83.8296% | 2,506 |
| Net loans and leases to core deposits | 89.6022% | 2,560 |
| Total domestic deposits to total assets | 78.1572% | 4,788 |
| Equity capital to assets | 13.3154% | 1,221 |
| Core capital (leverage) ratio | 11.2612% | 2,163 |
| Tier 1 risk-based capital ratio | 14.4809% | 3,178 |
| Total risk-based capital ratio | 15.3981% | 3,259 |
| Memoranda: | ||
| Average total assets | $989,476,670 | 752 |
| Average earning assets | $879,833,000 | 780 |
| Average equity | $129,425,000 | 641 |
| Average total loans | $641,945,670 | 821 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 2,672 |
| Cost of funding earning assets | 0.2803% | 4,253 |
| Net interest margin | 3.8145% | 2,069 |
| Noninterest income to average assets | 0.8523% | 1,388 |
| Noninterest expense to average assets | 2.8172% | 2,729 |
| Loan and lease loss provision to assets | 0.1520% | 1,215 |
| Net operating income to assets | 0.6993% | 3,706 |
| Return on assets (ROA) | 0.7003% | 3,741 |
| Pretax return on assets | 1.2718% | 2,340 |
| Return on Equity (ROE) | 5.4032% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.4032% | 2,664 |
| Net charge-offs to loans | -0.0347% | 5,003 |
| Credit loss provision to net charge-offs | -681.8182% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2925% | 3,783 |
| Assets per employee ($millions) | 4.0778% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,998 |
| Loan loss allowance to noncurrent loans | 236.0029% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,609 |
| Noncurrent loans to loans | 0.4431% | 3,504 |
| Net loans and leases to total assets | 62.4669% | 3,471 |
| Net loans and leases to deposits | 77.0180% | 3,080 |
| Net loans and leases to core deposits | 82.3314% | 3,061 |
| Total domestic deposits to total assets | 81.1069% | 4,392 |
| Equity capital to assets | 13.0516% | 1,236 |
| Core capital (leverage) ratio | 11.3494% | 2,063 |
| Tier 1 risk-based capital ratio | 14.7702% | 3,084 |
| Total risk-based capital ratio | 15.6542% | 3,181 |
| Memoranda: | ||
| Average total assets | $986,948,500 | 759 |
| Average earning assets | $876,335,000 | 785 |
| Average equity | $127,924,500 | 647 |
| Average total loans | $633,700,500 | 832 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 1,941 |
| Cost of funding earning assets | 0.2758% | 4,302 |
| Net interest margin | 4.0867% | 1,411 |
| Noninterest income to average assets | 0.6569% | 2,385 |
| Noninterest expense to average assets | 2.7035% | 3,331 |
| Loan and lease loss provision to assets | 0.2080% | 1,090 |
| Net operating income to assets | 0.9501% | 2,584 |
| Return on assets (ROA) | 0.9502% | 2,692 |
| Pretax return on assets | 1.3758% | 2,028 |
| Return on Equity (ROE) | 7.4897% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.4897% | 1,042 |
| Net charge-offs to loans | 0.0809% | 2,533 |
| Credit loss provision to net charge-offs | 381.7505% | 826 |
| Earnings coverage of net charge-offs (x) | 29.0670% | 1,458 |
| Efficiency ratio | 60.9059% | 4,433 |
| Assets per employee ($millions) | 4.0122% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 4,568 |
| Loan loss allowance to noncurrent loans | 199.8039% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 2,590 |
| Noncurrent loans to loans | 0.4766% | 3,441 |
| Net loans and leases to total assets | 64.6760% | 3,262 |
| Net loans and leases to deposits | 79.7184% | 2,916 |
| Net loans and leases to core deposits | 84.5505% | 2,973 |
| Total domestic deposits to total assets | 81.1305% | 4,304 |
| Equity capital to assets | 12.8709% | 1,316 |
| Core capital (leverage) ratio | 11.1834% | 2,181 |
| Tier 1 risk-based capital ratio | 14.3459% | 3,253 |
| Total risk-based capital ratio | 15.1628% | 3,424 |
| Memoranda: | ||
| Average total assets | $985,678,400 | 734 |
| Average earning assets | $875,580,200 | 745 |
| Average equity | $125,052,400 | 640 |
| Average total loans | $663,452,400 | 752 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 1,987 |
| Cost of funding earning assets | 0.2733% | 4,352 |
| Net interest margin | 4.0813% | 1,432 |
| Noninterest income to average assets | 0.6780% | 2,273 |
| Noninterest expense to average assets | 2.7004% | 3,346 |
| Loan and lease loss provision to assets | 0.2264% | 895 |
| Net operating income to assets | 0.8607% | 3,095 |
| Return on assets (ROA) | 0.8566% | 3,242 |
| Pretax return on assets | 1.3743% | 2,145 |
| Return on Equity (ROE) | 6.7763% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.7763% | 1,737 |
| Net charge-offs to loans | 0.0903% | 2,062 |
| Credit loss provision to net charge-offs | 369.7572% | 892 |
| Earnings coverage of net charge-offs (x) | 26.2452% | 1,606 |
| Efficiency ratio | 60.5410% | 4,458 |
| Assets per employee ($millions) | 4.1144% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 4,987 |
| Loan loss allowance to noncurrent loans | 149.5248% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 2,391 |
| Noncurrent loans to loans | 0.5783% | 3,271 |
| Net loans and leases to total assets | 68.1514% | 2,779 |
| Net loans and leases to deposits | 83.9364% | 2,489 |
| Net loans and leases to core deposits | 89.7749% | 2,596 |
| Total domestic deposits to total assets | 81.1941% | 4,200 |
| Equity capital to assets | 13.1216% | 1,430 |
| Core capital (leverage) ratio | 10.9370% | 2,524 |
| Tier 1 risk-based capital ratio | 13.5079% | 3,857 |
| Total risk-based capital ratio | 14.2633% | 4,069 |
| Memoranda: | ||
| Average total assets | $986,351,750 | 737 |
| Average earning assets | $877,160,000 | 750 |
| Average equity | $124,685,750 | 642 |
| Average total loans | $668,848,750 | 742 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 2,375 |
| Cost of funding earning assets | 0.2688% | 4,453 |
| Net interest margin | 3.9679% | 1,746 |
| Noninterest income to average assets | 0.6878% | 2,198 |
| Noninterest expense to average assets | 2.7278% | 3,282 |
| Loan and lease loss provision to assets | 0.2326% | 865 |
| Net operating income to assets | 0.7643% | 3,484 |
| Return on assets (ROA) | 0.7543% | 3,681 |
| Pretax return on assets | 1.2438% | 2,623 |
| Return on Equity (ROE) | 6.0429% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.0429% | 2,097 |
| Net charge-offs to loans | 0.1139% | 1,686 |
| Credit loss provision to net charge-offs | 302.6316% | 950 |
| Earnings coverage of net charge-offs (x) | 19.4105% | 1,779 |
| Efficiency ratio | 62.4419% | 4,278 |
| Assets per employee ($millions) | 4.0704% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 5,295 |
| Loan loss allowance to noncurrent loans | 44.2330% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.7275% | 1,027 |
| Noncurrent loans to loans | 1.7929% | 1,155 |
| Net loans and leases to total assets | 67.6249% | 2,838 |
| Net loans and leases to deposits | 82.7256% | 2,624 |
| Net loans and leases to core deposits | 88.4391% | 2,687 |
| Total domestic deposits to total assets | 81.7461% | 4,073 |
| Equity capital to assets | 12.6731% | 1,674 |
| Core capital (leverage) ratio | 10.6329% | 2,813 |
| Tier 1 risk-based capital ratio | 13.1531% | 4,104 |
| Total risk-based capital ratio | 13.8505% | 4,358 |
| Memoranda: | ||
| Average total assets | $988,722,670 | 734 |
| Average earning assets | $880,108,330 | 750 |
| Average equity | $123,417,000 | 649 |
| Average total loans | $667,403,000 | 743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,622 |
| Cost of funding earning assets | 0.2699% | 4,498 |
| Net interest margin | 3.8892% | 1,964 |
| Noninterest income to average assets | 0.8341% | 1,498 |
| Noninterest expense to average assets | 2.7824% | 3,137 |
| Loan and lease loss provision to assets | 0.1521% | 1,392 |
| Net operating income to assets | 0.7815% | 3,342 |
| Return on assets (ROA) | 0.7724% | 3,488 |
| Pretax return on assets | 1.3441% | 2,116 |
| Return on Equity (ROE) | 6.2361% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.2361% | 2,262 |
| Net charge-offs to loans | 0.0453% | 2,116 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 888 |
| Efficiency ratio | 62.6145% | 4,355 |
| Assets per employee ($millions) | 4.1122% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 5,483 |
| Loan loss allowance to noncurrent loans | 125.7121% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 2,006 |
| Noncurrent loans to loans | 0.5993% | 3,379 |
| Net loans and leases to total assets | 64.3219% | 3,205 |
| Net loans and leases to deposits | 78.6080% | 2,940 |
| Net loans and leases to core deposits | 82.1275% | 3,122 |
| Total domestic deposits to total assets | 81.8261% | 4,278 |
| Equity capital to assets | 12.3110% | 1,821 |
| Core capital (leverage) ratio | 10.1576% | 3,359 |
| Tier 1 risk-based capital ratio | 13.2012% | 4,140 |
| Total risk-based capital ratio | 13.8531% | 4,429 |
| Memoranda: | ||
| Average total assets | $986,498,000 | 736 |
| Average earning assets | $877,306,000 | 755 |
| Average equity | $122,192,500 | 654 |
| Average total loans | $662,604,000 | 749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,475 |
| Cost of funding earning assets | 0.3023% | 4,221 |
| Net interest margin | 3.9227% | 1,957 |
| Noninterest income to average assets | 0.5504% | 3,008 |
| Noninterest expense to average assets | 2.2877% | 4,825 |
| Loan and lease loss provision to assets | 0.1174% | 2,027 |
| Net operating income to assets | 1.0423% | 2,161 |
| Return on assets (ROA) | 1.0317% | 2,289 |
| Pretax return on assets | 1.6166% | 1,206 |
| Return on Equity (ROE) | 7.3082% | 3,356 |
| Retained earnings to average equity (ytd only) | -26.8000% | 6,134 |
| Net charge-offs to loans | 0.1035% | 2,373 |
| Credit loss provision to net charge-offs | 164.1791% | 1,637 |
| Earnings coverage of net charge-offs (x) | 24.4888% | 1,672 |
| Efficiency ratio | 55.4000% | 5,402 |
| Assets per employee ($millions) | 4.0401% | 3,859 |
| Cash dividends to net income (ytd only)* | 466.7098% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 5,664 |
| Loan loss allowance to noncurrent loans | 220.7873% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 2,344 |
| Noncurrent loans to loans | 0.3086% | 4,353 |
| Net loans and leases to total assets | 69.1323% | 2,511 |
| Net loans and leases to deposits | 84.9375% | 2,251 |
| Net loans and leases to core deposits | 88.5585% | 2,547 |
| Total domestic deposits to total assets | 81.3919% | 4,377 |
| Equity capital to assets | 12.4647% | 1,643 |
| Core capital (leverage) ratio | 9.7432% | 3,844 |
| Tier 1 risk-based capital ratio | 12.6530% | 4,545 |
| Total risk-based capital ratio | 13.2464% | 4,853 |
| Memoranda: | ||
| Average total assets | $749,760,800 | 920 |
| Average earning assets | $666,665,600 | 956 |
| Average equity | $105,839,600 | 732 |
| Average total loans | $518,001,000 | 902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 1,990 |
| Cost of funding earning assets | 0.3172% | 4,140 |
| Net interest margin | 4.0613% | 1,527 |
| Noninterest income to average assets | 0.5615% | 2,973 |
| Noninterest expense to average assets | 2.3655% | 4,606 |
| Loan and lease loss provision to assets | 0.1151% | 1,962 |
| Net operating income to assets | 1.0942% | 2,035 |
| Return on assets (ROA) | 1.0810% | 2,176 |
| Pretax return on assets | 1.6791% | 1,164 |
| Return on Equity (ROE) | 7.3571% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.7041% | 1,830 |
| Net charge-offs to loans | 0.0813% | 2,392 |
| Credit loss provision to net charge-offs | 205.4795% | 1,310 |
| Earnings coverage of net charge-offs (x) | 32.3907% | 1,418 |
| Efficiency ratio | 55.2949% | 5,425 |
| Assets per employee ($millions) | 4.8530% | 2,481 |
| Cash dividends to net income (ytd only)* | 8.8763% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,166 |
| Loan loss allowance to noncurrent loans | 230.8042% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 2,799 |
| Noncurrent loans to loans | 0.3946% | 4,202 |
| Net loans and leases to total assets | 69.5969% | 2,451 |
| Net loans and leases to deposits | 107.1929% | 327 |
| Net loans and leases to core deposits | 118.4395% | 517 |
| Total domestic deposits to total assets | 64.9268% | 6,114 |
| Equity capital to assets | 14.7057% | 804 |
| Core capital (leverage) ratio | 13.0243% | 1,196 |
| Tier 1 risk-based capital ratio | 16.1492% | 2,734 |
| Total risk-based capital ratio | 16.9604% | 2,879 |
| Memoranda: | ||
| Average total assets | $694,797,500 | 1,006 |
| Average earning assets | $619,134,750 | 1,022 |
| Average equity | $102,084,750 | 762 |
| Average total loans | $478,772,500 | 973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,296 |
| Cost of funding earning assets | 0.3126% | 4,248 |
| Net interest margin | 3.9537% | 1,793 |
| Noninterest income to average assets | 0.5457% | 3,068 |
| Noninterest expense to average assets | 2.3660% | 4,674 |
| Loan and lease loss provision to assets | 0.1046% | 2,084 |
| Net operating income to assets | 0.9772% | 2,513 |
| Return on assets (ROA) | 0.9573% | 2,713 |
| Pretax return on assets | 1.5591% | 1,459 |
| Return on Equity (ROE) | 6.5175% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.5175% | 1,936 |
| Net charge-offs to loans | 0.1035% | 1,972 |
| Credit loss provision to net charge-offs | 147.5410% | 1,554 |
| Earnings coverage of net charge-offs (x) | 23.9139% | 1,588 |
| Efficiency ratio | 56.9416% | 5,346 |
| Assets per employee ($millions) | 4.7477% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 5,390 |
| Loan loss allowance to noncurrent loans | 274.5603% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 3,007 |
| Noncurrent loans to loans | 0.3186% | 4,554 |
| Net loans and leases to total assets | 70.4866% | 2,247 |
| Net loans and leases to deposits | 104.1040% | 445 |
| Net loans and leases to core deposits | 115.7019% | 602 |
| Total domestic deposits to total assets | 67.7078% | 6,121 |
| Equity capital to assets | 14.4803% | 821 |
| Core capital (leverage) ratio | 13.2746% | 1,059 |
| Tier 1 risk-based capital ratio | 15.6213% | 3,047 |
| Total risk-based capital ratio | 16.3888% | 3,219 |
| Memoranda: | ||
| Average total assets | $688,600,000 | 1,014 |
| Average earning assets | $612,190,670 | 1,039 |
| Average equity | $101,143,330 | 769 |
| Average total loans | $471,343,330 | 986 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,546 |
| Cost of funding earning assets | 0.3129% | 4,299 |
| Net interest margin | 3.8623% | 2,023 |
| Noninterest income to average assets | 0.5194% | 3,155 |
| Noninterest expense to average assets | 2.3569% | 4,717 |
| Loan and lease loss provision to assets | 0.0880% | 2,223 |
| Net operating income to assets | 0.8700% | 2,899 |
| Return on assets (ROA) | 0.8433% | 3,169 |
| Pretax return on assets | 1.4519% | 1,718 |
| Return on Equity (ROE) | 5.7000% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.7000% | 2,657 |
| Net charge-offs to loans | 0.0989% | 1,735 |
| Credit loss provision to net charge-offs | 132.7434% | 1,355 |
| Earnings coverage of net charge-offs (x) | 23.8496% | 1,313 |
| Efficiency ratio | 58.5308% | 5,277 |
| Assets per employee ($millions) | 4.6875% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 5,335 |
| Loan loss allowance to noncurrent loans | 227.2102% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 2,811 |
| Noncurrent loans to loans | 0.4089% | 4,362 |
| Net loans and leases to total assets | 68.2835% | 2,397 |
| Net loans and leases to deposits | 94.0515% | 975 |
| Net loans and leases to core deposits | 102.5589% | 1,139 |
| Total domestic deposits to total assets | 72.6023% | 6,007 |
| Equity capital to assets | 15.2125% | 676 |
| Core capital (leverage) ratio | 13.2019% | 1,090 |
| Tier 1 risk-based capital ratio | 15.1550% | 3,348 |
| Total risk-based capital ratio | 15.9021% | 3,553 |
| Memoranda: | ||
| Average total assets | $681,572,000 | 1,023 |
| Average earning assets | $603,377,500 | 1,057 |
| Average equity | $100,841,500 | 771 |
| Average total loans | $457,190,500 | 1,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,260 |
| Cost of funding earning assets | 0.3340% | 4,447 |
| Net interest margin | 4.0539% | 1,722 |
| Noninterest income to average assets | 0.6003% | 2,857 |
| Noninterest expense to average assets | 2.4458% | 4,716 |
| Loan and lease loss provision to assets | 0.0903% | 2,661 |
| Net operating income to assets | 1.1321% | 1,851 |
| Return on assets (ROA) | 1.1443% | 1,861 |
| Pretax return on assets | 1.6866% | 1,012 |
| Return on Equity (ROE) | 8.1807% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.9837% | 1,022 |
| Net charge-offs to loans | 0.1207% | 2,826 |
| Credit loss provision to net charge-offs | 115.1631% | 2,076 |
| Earnings coverage of net charge-offs (x) | 22.4299% | 1,628 |
| Efficiency ratio | 56.8319% | 5,586 |
| Assets per employee ($millions) | 4.7131% | 2,709 |
| Cash dividends to net income (ytd only)* | 2.4073% | 4,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 5,333 |
| Loan loss allowance to noncurrent loans | 215.5522% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 2,683 |
| Noncurrent loans to loans | 0.4364% | 4,336 |
| Net loans and leases to total assets | 64.6797% | 3,110 |
| Net loans and leases to deposits | 90.1469% | 1,504 |
| Net loans and leases to core deposits | 100.3289% | 1,375 |
| Total domestic deposits to total assets | 71.7492% | 6,098 |
| Equity capital to assets | 14.3919% | 843 |
| Core capital (leverage) ratio | 12.8836% | 1,182 |
| Tier 1 risk-based capital ratio | 16.3969% | 2,763 |
| Total risk-based capital ratio | 17.2254% | 2,916 |
| Memoranda: | ||
| Average total assets | $664,354,600 | 1,005 |
| Average earning assets | $590,713,400 | 1,037 |
| Average equity | $92,926,600 | 800 |
| Average total loans | $431,657,200 | 1,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 2,205 |
| Cost of funding earning assets | 0.3398% | 4,462 |
| Net interest margin | 4.0638% | 1,684 |
| Noninterest income to average assets | 0.5887% | 2,938 |
| Noninterest expense to average assets | 2.4555% | 4,657 |
| Loan and lease loss provision to assets | 0.0913% | 2,527 |
| Net operating income to assets | 1.1604% | 1,823 |
| Return on assets (ROA) | 1.1756% | 1,842 |
| Pretax return on assets | 1.6732% | 1,129 |
| Return on Equity (ROE) | 8.4692% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.4692% | 1,163 |
| Net charge-offs to loans | 0.1407% | 2,390 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 19.0910% | 1,805 |
| Efficiency ratio | 57.1346% | 5,547 |
| Assets per employee ($millions) | 4.6987% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,595 |
| Loan loss allowance to noncurrent loans | 252.9376% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 2,599 |
| Noncurrent loans to loans | 0.3573% | 4,833 |
| Net loans and leases to total assets | 68.1517% | 2,510 |
| Net loans and leases to deposits | 96.6670% | 830 |
| Net loans and leases to core deposits | 107.7208% | 863 |
| Total domestic deposits to total assets | 70.5015% | 6,261 |
| Equity capital to assets | 14.4078% | 875 |
| Core capital (leverage) ratio | 12.5975% | 1,352 |
| Tier 1 risk-based capital ratio | 15.9388% | 3,083 |
| Total risk-based capital ratio | 16.7457% | 3,261 |
| Memoranda: | ||
| Average total assets | $657,235,000 | 1,025 |
| Average earning assets | $583,772,750 | 1,056 |
| Average equity | $91,230,250 | 811 |
| Average total loans | $426,477,250 | 1,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 2,576 |
| Cost of funding earning assets | 0.3438% | 4,497 |
| Net interest margin | 3.9576% | 1,938 |
| Noninterest income to average assets | 0.5485% | 3,138 |
| Noninterest expense to average assets | 2.4705% | 4,664 |
| Loan and lease loss provision to assets | 0.0920% | 2,491 |
| Net operating income to assets | 0.9676% | 2,461 |
| Return on assets (ROA) | 0.9795% | 2,485 |
| Pretax return on assets | 1.5158% | 1,488 |
| Return on Equity (ROE) | 7.1500% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.1500% | 1,692 |
| Net charge-offs to loans | 0.0622% | 3,087 |
| Credit loss provision to net charge-offs | 232.5581% | 1,042 |
| Earnings coverage of net charge-offs (x) | 40.1860% | 1,057 |
| Efficiency ratio | 59.4472% | 5,365 |
| Assets per employee ($millions) | 4.5074% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 5,411 |
| Loan loss allowance to noncurrent loans | 168.8811% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 2,381 |
| Noncurrent loans to loans | 0.5833% | 4,274 |
| Net loans and leases to total assets | 66.3986% | 2,696 |
| Net loans and leases to deposits | 91.7856% | 1,174 |
| Net loans and leases to core deposits | 101.6423% | 1,162 |
| Total domestic deposits to total assets | 72.3410% | 6,225 |
| Equity capital to assets | 14.1721% | 907 |
| Core capital (leverage) ratio | 12.6526% | 1,306 |
| Tier 1 risk-based capital ratio | 16.0354% | 3,066 |
| Total risk-based capital ratio | 16.9089% | 3,208 |
| Memoranda: | ||
| Average total assets | $652,341,330 | 1,038 |
| Average earning assets | $578,784,670 | 1,065 |
| Average equity | $89,371,000 | 817 |
| Average total loans | $414,603,670 | 1,052 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,671 |
| Cost of funding earning assets | 0.3510% | 4,532 |
| Net interest margin | 3.9079% | 2,059 |
| Noninterest income to average assets | 0.5438% | 3,090 |
| Noninterest expense to average assets | 2.4783% | 4,690 |
| Loan and lease loss provision to assets | 0.0924% | 2,376 |
| Net operating income to assets | 0.8704% | 2,790 |
| Return on assets (ROA) | 0.8782% | 2,820 |
| Pretax return on assets | 1.4418% | 1,602 |
| Return on Equity (ROE) | 6.5244% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.5244% | 2,270 |
| Net charge-offs to loans | 0.0469% | 2,734 |
| Credit loss provision to net charge-offs | 319.1489% | 765 |
| Earnings coverage of net charge-offs (x) | 52.5745% | 729 |
| Efficiency ratio | 60.5235% | 5,332 |
| Assets per employee ($millions) | 4.4129% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 5,226 |
| Loan loss allowance to noncurrent loans | 193.9710% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 2,366 |
| Noncurrent loans to loans | 0.5546% | 4,500 |
| Net loans and leases to total assets | 61.0691% | 3,385 |
| Net loans and leases to deposits | 78.8720% | 2,441 |
| Net loans and leases to core deposits | 87.1881% | 2,178 |
| Total domestic deposits to total assets | 77.4281% | 5,912 |
| Equity capital to assets | 13.8600% | 965 |
| Core capital (leverage) ratio | 12.3319% | 1,464 |
| Tier 1 risk-based capital ratio | 16.7550% | 2,787 |
| Total risk-based capital ratio | 17.6748% | 2,907 |
| Memoranda: | ||
| Average total assets | $649,475,000 | 1,051 |
| Average earning assets | $574,426,000 | 1,076 |
| Average equity | $87,425,000 | 835 |
| Average total loans | $401,256,000 | 1,096 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 2,591 |
| Cost of funding earning assets | 0.4099% | 4,543 |
| Net interest margin | 3.9895% | 1,979 |
| Noninterest income to average assets | 0.7796% | 2,167 |
| Noninterest expense to average assets | 2.4657% | 4,872 |
| Loan and lease loss provision to assets | 0.1259% | 2,738 |
| Net operating income to assets | 1.2718% | 1,326 |
| Return on assets (ROA) | 1.3331% | 1,214 |
| Pretax return on assets | 1.8031% | 756 |
| Return on Equity (ROE) | 10.2947% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.6122% | 1,188 |
| Net charge-offs to loans | 0.3127% | 2,121 |
| Credit loss provision to net charge-offs | 70.8263% | 3,287 |
| Earnings coverage of net charge-offs (x) | 10.3870% | 2,377 |
| Efficiency ratio | 55.8892% | 5,962 |
| Assets per employee ($millions) | 4.4234% | 3,044 |
| Cash dividends to net income (ytd only)* | 26.0567% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 5,409 |
| Loan loss allowance to noncurrent loans | 238.0844% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 2,560 |
| Noncurrent loans to loans | 0.4333% | 4,913 |
| Net loans and leases to total assets | 61.1913% | 3,500 |
| Net loans and leases to deposits | 81.1410% | 2,305 |
| Net loans and leases to core deposits | 90.0584% | 2,017 |
| Total domestic deposits to total assets | 75.4136% | 6,150 |
| Equity capital to assets | 13.0681% | 1,245 |
| Core capital (leverage) ratio | 11.9688% | 1,629 |
| Tier 1 risk-based capital ratio | 16.1866% | 3,012 |
| Total risk-based capital ratio | 17.0711% | 3,145 |
| Memoranda: | ||
| Average total assets | $667,302,800 | 998 |
| Average earning assets | $590,826,600 | 1,035 |
| Average equity | $86,413,600 | 822 |
| Average total loans | $379,312,600 | 1,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,670 |
| Cost of funding earning assets | 0.4198% | 4,618 |
| Net interest margin | 3.9560% | 2,093 |
| Noninterest income to average assets | 0.8485% | 1,945 |
| Noninterest expense to average assets | 2.4031% | 5,019 |
| Loan and lease loss provision to assets | 0.1193% | 2,806 |
| Net operating income to assets | 1.4172% | 1,063 |
| Return on assets (ROA) | 1.4986% | 944 |
| Pretax return on assets | 1.9403% | 664 |
| Return on Equity (ROE) | 11.5986% | 1,622 |
| Retained earnings to average equity (ytd only) | 8.2895% | 1,301 |
| Net charge-offs to loans | 0.4233% | 1,511 |
| Credit loss provision to net charge-offs | 50.6757% | 3,482 |
| Earnings coverage of net charge-offs (x) | 8.2981% | 2,643 |
| Efficiency ratio | 53.8774% | 6,110 |
| Assets per employee ($millions) | 4.5614% | 2,784 |
| Cash dividends to net income (ytd only)* | 28.5298% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 5,947 |
| Loan loss allowance to noncurrent loans | 265.7220% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 2,857 |
| Noncurrent loans to loans | 0.3538% | 5,327 |
| Net loans and leases to total assets | 60.6461% | 3,588 |
| Net loans and leases to deposits | 85.4920% | 1,674 |
| Net loans and leases to core deposits | 96.1021% | 1,385 |
| Total domestic deposits to total assets | 70.9377% | 6,550 |
| Equity capital to assets | 12.4063% | 1,632 |
| Core capital (leverage) ratio | 11.3593% | 2,157 |
| Tier 1 risk-based capital ratio | 15.4910% | 3,476 |
| Total risk-based capital ratio | 16.3028% | 3,672 |
| Memoranda: | ||
| Average total assets | $670,462,750 | 997 |
| Average earning assets | $594,589,250 | 1,039 |
| Average equity | $86,629,000 | 817 |
| Average total loans | $372,947,500 | 1,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,136 |
| Cost of funding earning assets | 0.4310% | 4,650 |
| Net interest margin | 3.8239% | 2,463 |
| Noninterest income to average assets | 0.9167% | 1,757 |
| Noninterest expense to average assets | 2.3986% | 5,057 |
| Loan and lease loss provision to assets | 0.1081% | 2,986 |
| Net operating income to assets | 1.4056% | 1,067 |
| Return on assets (ROA) | 1.5213% | 934 |
| Pretax return on assets | 1.9559% | 657 |
| Return on Equity (ROE) | 11.6156% | 1,594 |
| Retained earnings to average equity (ytd only) | 6.6850% | 2,047 |
| Net charge-offs to loans | 0.2416% | 2,273 |
| Credit loss provision to net charge-offs | 83.3333% | 2,561 |
| Earnings coverage of net charge-offs (x) | 14.7639% | 1,798 |
| Efficiency ratio | 54.3024% | 6,121 |
| Assets per employee ($millions) | 4.5532% | 2,737 |
| Cash dividends to net income (ytd only)* | 42.4482% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,174 |
| Loan loss allowance to noncurrent loans | 286.7268% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 2,800 |
| Noncurrent loans to loans | 0.4064% | 5,246 |
| Net loans and leases to total assets | 56.3920% | 4,222 |
| Net loans and leases to deposits | 76.0342% | 2,870 |
| Net loans and leases to core deposits | 87.6097% | 2,153 |
| Total domestic deposits to total assets | 74.1667% | 6,433 |
| Equity capital to assets | 12.4491% | 1,610 |
| Core capital (leverage) ratio | 11.1163% | 2,240 |
| Tier 1 risk-based capital ratio | 15.9474% | 3,223 |
| Total risk-based capital ratio | 16.9253% | 3,329 |
| Memoranda: | ||
| Average total assets | $665,881,330 | 1,002 |
| Average earning assets | $591,647,670 | 1,043 |
| Average equity | $87,210,330 | 814 |
| Average total loans | $357,635,670 | 1,193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,580 |
| Cost of funding earning assets | 0.4448% | 4,650 |
| Net interest margin | 3.6896% | 2,899 |
| Noninterest income to average assets | 0.6276% | 2,996 |
| Noninterest expense to average assets | 2.4343% | 5,000 |
| Loan and lease loss provision to assets | 0.0903% | 3,157 |
| Net operating income to assets | 1.0212% | 2,140 |
| Return on assets (ROA) | 1.2401% | 1,519 |
| Pretax return on assets | 1.6761% | 1,136 |
| Return on Equity (ROE) | 9.2380% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.2380% | 1,314 |
| Net charge-offs to loans | 0.1250% | 2,670 |
| Credit loss provision to net charge-offs | 138.8889% | 1,441 |
| Earnings coverage of net charge-offs (x) | 22.6111% | 1,131 |
| Efficiency ratio | 60.9038% | 5,457 |
| Assets per employee ($millions) | 4.5425% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,600 |
| Loan loss allowance to noncurrent loans | 291.2572% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 2,881 |
| Noncurrent loans to loans | 0.4527% | 5,289 |
| Net loans and leases to total assets | 51.1552% | 4,816 |
| Net loans and leases to deposits | 65.3522% | 4,141 |
| Net loans and leases to core deposits | 75.7261% | 3,358 |
| Total domestic deposits to total assets | 78.2762% | 6,077 |
| Equity capital to assets | 13.3918% | 1,248 |
| Core capital (leverage) ratio | 11.0489% | 2,221 |
| Tier 1 risk-based capital ratio | 16.9975% | 2,751 |
| Total risk-based capital ratio | 18.0806% | 2,805 |
| Memoranda: | ||
| Average total assets | $664,163,000 | 1,015 |
| Average earning assets | $589,987,000 | 1,053 |
| Average equity | $89,153,500 | 804 |
| Average total loans | $345,507,500 | 1,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 3,281 |
| Cost of funding earning assets | 0.5938% | 4,410 |
| Net interest margin | 3.9351% | 2,670 |
| Noninterest income to average assets | 0.6268% | 3,130 |
| Noninterest expense to average assets | 2.4644% | 5,210 |
| Loan and lease loss provision to assets | 0.0952% | 4,473 |
| Net operating income to assets | 1.1705% | 1,693 |
| Return on assets (ROA) | 1.3263% | 1,368 |
| Pretax return on assets | 1.7567% | 1,008 |
| Return on Equity (ROE) | 9.6579% | 2,333 |
| Retained earnings to average equity (ytd only) | 7.0112% | 1,565 |
| Net charge-offs to loans | 0.2665% | 3,341 |
| Credit loss provision to net charge-offs | 65.1466% | 4,313 |
| Earnings coverage of net charge-offs (x) | 11.2530% | 2,056 |
| Efficiency ratio | 58.5412% | 5,760 |
| Assets per employee ($millions) | 4.4633% | 3,029 |
| Cash dividends to net income (ytd only)* | 27.4043% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,582 |
| Loan loss allowance to noncurrent loans | 395.9720% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 3,025 |
| Noncurrent loans to loans | 0.3311% | 5,657 |
| Net loans and leases to total assets | 51.5217% | 4,977 |
| Net loans and leases to deposits | 66.5198% | 4,202 |
| Net loans and leases to core deposits | 77.4940% | 3,335 |
| Total domestic deposits to total assets | 77.4532% | 6,175 |
| Equity capital to assets | 13.4554% | 1,247 |
| Core capital (leverage) ratio | 11.1458% | 2,130 |
| Tier 1 risk-based capital ratio | 16.6985% | 2,791 |
| Total risk-based capital ratio | 17.7854% | 2,845 |
| Memoranda: | ||
| Average total assets | $630,342,400 | 1,049 |
| Average earning assets | $557,722,800 | 1,088 |
| Average equity | $86,561,600 | 801 |
| Average total loans | $345,575,200 | 1,220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 3,158 |
| Cost of funding earning assets | 0.6184% | 4,467 |
| Net interest margin | 3.9935% | 2,526 |
| Noninterest income to average assets | 0.6380% | 3,060 |
| Noninterest expense to average assets | 2.3866% | 5,438 |
| Loan and lease loss provision to assets | 0.0963% | 4,372 |
| Net operating income to assets | 1.2988% | 1,444 |
| Return on assets (ROA) | 1.4303% | 1,281 |
| Pretax return on assets | 1.8651% | 933 |
| Return on Equity (ROE) | 10.3601% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.7071% | 1,344 |
| Net charge-offs to loans | 0.2476% | 3,236 |
| Credit loss provision to net charge-offs | 70.0935% | 3,900 |
| Earnings coverage of net charge-offs (x) | 13.0280% | 1,955 |
| Efficiency ratio | 55.6991% | 6,088 |
| Assets per employee ($millions) | 4.1849% | 3,507 |
| Cash dividends to net income (ytd only)* | 15.9557% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,919 |
| Loan loss allowance to noncurrent loans | 203.8124% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 2,803 |
| Noncurrent loans to loans | 0.6261% | 5,185 |
| Net loans and leases to total assets | 58.0948% | 4,119 |
| Net loans and leases to deposits | 75.4381% | 3,074 |
| Net loans and leases to core deposits | 87.9660% | 2,218 |
| Total domestic deposits to total assets | 77.0099% | 6,230 |
| Equity capital to assets | 14.4657% | 980 |
| Core capital (leverage) ratio | 11.1800% | 2,225 |
| Tier 1 risk-based capital ratio | 16.5678% | 2,957 |
| Total risk-based capital ratio | 17.6858% | 3,003 |
| Memoranda: | ||
| Average total assets | $622,784,500 | 1,068 |
| Average earning assets | $551,945,000 | 1,113 |
| Average equity | $85,981,250 | 810 |
| Average total loans | $345,753,750 | 1,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 3,763 |
| Cost of funding earning assets | 0.6286% | 4,643 |
| Net interest margin | 3.8719% | 3,034 |
| Noninterest income to average assets | 0.5533% | 3,563 |
| Noninterest expense to average assets | 2.3759% | 5,545 |
| Loan and lease loss provision to assets | 0.0962% | 4,336 |
| Net operating income to assets | 1.1425% | 1,902 |
| Return on assets (ROA) | 1.3226% | 1,533 |
| Pretax return on assets | 1.7550% | 1,126 |
| Return on Equity (ROE) | 9.7338% | 2,472 |
| Retained earnings to average equity (ytd only) | 7.2190% | 1,993 |
| Net charge-offs to loans | 0.0424% | 4,782 |
| Credit loss provision to net charge-offs | 416.6667% | 711 |
| Earnings coverage of net charge-offs (x) | 69.8056% | 567 |
| Efficiency ratio | 58.0962% | 5,857 |
| Assets per employee ($millions) | 4.1257% | 3,616 |
| Cash dividends to net income (ytd only)* | 25.8362% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,588 |
| Loan loss allowance to noncurrent loans | 202.9212% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9612% | 2,829 |
| Noncurrent loans to loans | 0.6734% | 5,158 |
| Net loans and leases to total assets | 59.1473% | 3,961 |
| Net loans and leases to deposits | 76.7910% | 2,874 |
| Net loans and leases to core deposits | 89.1234% | 2,081 |
| Total domestic deposits to total assets | 77.0238% | 6,319 |
| Equity capital to assets | 13.9379% | 1,123 |
| Core capital (leverage) ratio | 10.9322% | 2,367 |
| Tier 1 risk-based capital ratio | 15.6842% | 3,342 |
| Total risk-based capital ratio | 16.8843% | 3,333 |
| Memoranda: | ||
| Average total assets | $623,925,330 | 1,064 |
| Average earning assets | $553,325,670 | 1,100 |
| Average equity | $84,776,670 | 817 |
| Average total loans | $339,515,670 | 1,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 4,560 |
| Cost of funding earning assets | 0.6538% | 4,693 |
| Net interest margin | 3.6870% | 3,891 |
| Noninterest income to average assets | 0.5236% | 3,756 |
| Noninterest expense to average assets | 2.3478% | 5,636 |
| Loan and lease loss provision to assets | 0.0958% | 4,154 |
| Net operating income to assets | 1.0031% | 2,470 |
| Return on assets (ROA) | 1.2413% | 1,807 |
| Pretax return on assets | 1.6678% | 1,386 |
| Return on Equity (ROE) | 9.2530% | 2,708 |
| Retained earnings to average equity (ytd only) | 9.0912% | 1,555 |
| Net charge-offs to loans | 0.0507% | 3,994 |
| Credit loss provision to net charge-offs | 365.8537% | 847 |
| Earnings coverage of net charge-offs (x) | 55.0732% | 589 |
| Efficiency ratio | 60.3875% | 5,562 |
| Assets per employee ($millions) | 4.3170% | 3,361 |
| Cash dividends to net income (ytd only)* | 1.7490% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 4,043 |
| Loan loss allowance to noncurrent loans | 218.2459% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.9753% | 2,937 |
| Noncurrent loans to loans | 0.6990% | 5,263 |
| Net loans and leases to total assets | 50.7188% | 5,201 |
| Net loans and leases to deposits | 63.1650% | 4,750 |
| Net loans and leases to core deposits | 73.4872% | 3,962 |
| Total domestic deposits to total assets | 80.2957% | 5,780 |
| Equity capital to assets | 13.4451% | 1,258 |
| Core capital (leverage) ratio | 10.6850% | 2,563 |
| Tier 1 risk-based capital ratio | 16.7683% | 2,776 |
| Total risk-based capital ratio | 18.0180% | 2,732 |
| Memoranda: | ||
| Average total assets | $626,461,500 | 1,060 |
| Average earning assets | $554,928,500 | 1,100 |
| Average equity | $84,037,500 | 818 |
| Average total loans | $323,720,500 | 1,309 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 3,797 |
| Cost of funding earning assets | 0.8380% | 4,559 |
| Net interest margin | 3.9649% | 3,044 |
| Noninterest income to average assets | 0.6924% | 2,645 |
| Noninterest expense to average assets | 2.4040% | 5,764 |
| Loan and lease loss provision to assets | 0.2098% | 4,091 |
| Net operating income to assets | 1.1849% | 1,547 |
| Return on assets (ROA) | 1.2488% | 1,480 |
| Pretax return on assets | 1.6698% | 1,059 |
| Return on Equity (ROE) | 9.6998% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.2090% | 748 |
| Net charge-offs to loans | 0.5105% | 2,949 |
| Credit loss provision to net charge-offs | 74.3007% | 4,695 |
| Earnings coverage of net charge-offs (x) | 6.3555% | 2,535 |
| Efficiency ratio | 55.7981% | 6,335 |
| Assets per employee ($millions) | 4.2070% | 3,454 |
| Cash dividends to net income (ytd only)* | 5.0593% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,025 |
| Loan loss allowance to noncurrent loans | 183.1002% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 3,189 |
| Noncurrent loans to loans | 0.8194% | 5,050 |
| Net loans and leases to total assets | 51.0687% | 5,452 |
| Net loans and leases to deposits | 64.7877% | 4,902 |
| Net loans and leases to core deposits | 75.7532% | 4,016 |
| Total domestic deposits to total assets | 78.8246% | 6,028 |
| Equity capital to assets | 13.3838% | 1,331 |
| Core capital (leverage) ratio | 10.6295% | 2,584 |
| Tier 1 risk-based capital ratio | 16.4922% | 2,827 |
| Total risk-based capital ratio | 17.7424% | 2,790 |
| Memoranda: | ||
| Average total assets | $607,781,000 | 1,076 |
| Average earning assets | $537,447,000 | 1,111 |
| Average equity | $78,249,200 | 858 |
| Average total loans | $336,128,200 | 1,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 3,861 |
| Cost of funding earning assets | 0.8741% | 4,605 |
| Net interest margin | 3.9600% | 3,105 |
| Noninterest income to average assets | 0.7257% | 2,449 |
| Noninterest expense to average assets | 2.3493% | 5,904 |
| Loan and lease loss provision to assets | 0.2318% | 3,697 |
| Net operating income to assets | 1.2548% | 1,505 |
| Return on assets (ROA) | 1.3402% | 1,379 |
| Pretax return on assets | 1.7638% | 1,020 |
| Return on Equity (ROE) | 10.5170% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.1463% | 805 |
| Net charge-offs to loans | 0.6371% | 2,337 |
| Credit loss provision to net charge-offs | 64.7349% | 4,643 |
| Earnings coverage of net charge-offs (x) | 5.2602% | 2,832 |
| Efficiency ratio | 54.0467% | 6,482 |
| Assets per employee ($millions) | 4.1933% | 3,458 |
| Cash dividends to net income (ytd only)* | 3.5244% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 4,788 |
| Loan loss allowance to noncurrent loans | 152.2948% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 3,392 |
| Noncurrent loans to loans | 0.8844% | 5,088 |
| Net loans and leases to total assets | 57.1542% | 4,653 |
| Net loans and leases to deposits | 72.8860% | 3,823 |
| Net loans and leases to core deposits | 86.3826% | 2,725 |
| Total domestic deposits to total assets | 78.4160% | 6,113 |
| Equity capital to assets | 13.5937% | 1,331 |
| Core capital (leverage) ratio | 10.4603% | 2,915 |
| Tier 1 risk-based capital ratio | 15.3788% | 3,444 |
| Total risk-based capital ratio | 16.5553% | 3,460 |
| Memoranda: | ||
| Average total assets | $604,067,750 | 1,090 |
| Average earning assets | $534,929,750 | 1,129 |
| Average equity | $76,978,500 | 879 |
| Average total loans | $339,456,750 | 1,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 4,561 |
| Cost of funding earning assets | 0.9113% | 4,576 |
| Net interest margin | 3.7805% | 3,892 |
| Noninterest income to average assets | 0.7644% | 2,183 |
| Noninterest expense to average assets | 2.4001% | 5,844 |
| Loan and lease loss provision to assets | 0.2483% | 3,428 |
| Net operating income to assets | 1.0767% | 1,948 |
| Return on assets (ROA) | 1.1587% | 1,773 |
| Pretax return on assets | 1.5821% | 1,291 |
| Return on Equity (ROE) | 9.2990% | 2,383 |
| Retained earnings to average equity (ytd only) | 8.8048% | 1,175 |
| Net charge-offs to loans | 0.7792% | 1,945 |
| Credit loss provision to net charge-offs | 57.2956% | 4,406 |
| Earnings coverage of net charge-offs (x) | 3.9649% | 3,006 |
| Efficiency ratio | 56.7846% | 6,323 |
| Assets per employee ($millions) | 4.2208% | 3,315 |
| Cash dividends to net income (ytd only)* | 5.3143% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,653 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.9177% | 3,354 |
| Noncurrent loans to loans | 1.1373% | 4,758 |
| Net loans and leases to total assets | 56.2059% | 4,962 |
| Net loans and leases to deposits | 70.3916% | 4,385 |
| Net loans and leases to core deposits | 82.8707% | 3,380 |
| Total domestic deposits to total assets | 79.8475% | 5,867 |
| Equity capital to assets | 13.0836% | 1,482 |
| Core capital (leverage) ratio | 9.9964% | 3,270 |
| Tier 1 risk-based capital ratio | 14.8924% | 3,557 |
| Total risk-based capital ratio | 16.0861% | 3,559 |
| Memoranda: | ||
| Average total assets | $604,146,670 | 1,101 |
| Average earning assets | $535,956,330 | 1,136 |
| Average equity | $75,277,000 | 900 |
| Average total loans | $336,000,000 | 1,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 4,850 |
| Cost of funding earning assets | 0.9548% | 4,533 |
| Net interest margin | 3.6685% | 4,253 |
| Noninterest income to average assets | 1.0031% | 1,317 |
| Noninterest expense to average assets | 2.4302% | 5,796 |
| Loan and lease loss provision to assets | 0.3957% | 2,215 |
| Net operating income to assets | 1.0725% | 1,941 |
| Return on assets (ROA) | 1.2411% | 1,470 |
| Pretax return on assets | 1.6632% | 1,050 |
| Return on Equity (ROE) | 10.2135% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.3777% | 1,269 |
| Net charge-offs to loans | 1.1309% | 1,228 |
| Credit loss provision to net charge-offs | 63.6943% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.9522% | 2,902 |
| Efficiency ratio | 55.5521% | 6,552 |
| Assets per employee ($millions) | 4.1722% | 3,497 |
| Cash dividends to net income (ytd only)* | 8.1828% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 4,122 |
| Loan loss allowance to noncurrent loans | 103.0013% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 3,583 |
| Noncurrent loans to loans | 1.4732% | 4,259 |
| Net loans and leases to total assets | 53.0193% | 5,446 |
| Net loans and leases to deposits | 65.1434% | 5,102 |
| Net loans and leases to core deposits | 77.6419% | 4,071 |
| Total domestic deposits to total assets | 81.3887% | 5,539 |
| Equity capital to assets | 12.4783% | 1,640 |
| Core capital (leverage) ratio | 9.7362% | 3,479 |
| Tier 1 risk-based capital ratio | 15.0631% | 3,390 |
| Total risk-based capital ratio | 16.3135% | 3,350 |
| Memoranda: | ||
| Average total assets | $606,540,500 | 1,101 |
| Average earning assets | $539,189,000 | 1,134 |
| Average equity | $73,706,500 | 912 |
| Average total loans | $333,200,000 | 1,316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 4,167 |
| Cost of funding earning assets | 1.2092% | 4,505 |
| Net interest margin | 3.8758% | 3,607 |
| Noninterest income to average assets | 0.5724% | 3,651 |
| Noninterest expense to average assets | 2.4371% | 5,986 |
| Loan and lease loss provision to assets | 0.1596% | 5,612 |
| Net operating income to assets | 1.1030% | 1,698 |
| Return on assets (ROA) | 1.2757% | 1,296 |
| Pretax return on assets | 1.6313% | 1,069 |
| Return on Equity (ROE) | 10.2736% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.4212% | 616 |
| Net charge-offs to loans | 0.0970% | 5,879 |
| Credit loss provision to net charge-offs | 285.7143% | 949 |
| Earnings coverage of net charge-offs (x) | 28.0932% | 776 |
| Efficiency ratio | 59.2110% | 6,160 |
| Assets per employee ($millions) | 4.2525% | 3,287 |
| Cash dividends to net income (ytd only)* | 8.2971% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 3,773 |
| Loan loss allowance to noncurrent loans | 59.4042% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8319% | 3,589 |
| Noncurrent loans to loans | 2.6107% | 2,914 |
| Net loans and leases to total assets | 55.1582% | 5,462 |
| Net loans and leases to deposits | 67.7777% | 5,133 |
| Net loans and leases to core deposits | 82.3286% | 3,857 |
| Total domestic deposits to total assets | 81.3810% | 5,397 |
| Equity capital to assets | 11.8273% | 2,018 |
| Core capital (leverage) ratio | 9.5617% | 3,622 |
| Tier 1 risk-based capital ratio | 14.2136% | 3,730 |
| Total risk-based capital ratio | 15.4638% | 3,687 |
| Memoranda: | ||
| Average total assets | $576,333,400 | 1,168 |
| Average earning assets | $510,678,200 | 1,204 |
| Average equity | $71,562,000 | 941 |
| Average total loans | $331,872,400 | 1,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 4,123 |
| Cost of funding earning assets | 1.2578% | 4,511 |
| Net interest margin | 3.8823% | 3,602 |
| Noninterest income to average assets | 0.5088% | 4,108 |
| Noninterest expense to average assets | 2.2852% | 6,372 |
| Loan and lease loss provision to assets | 0.1806% | 5,242 |
| Net operating income to assets | 1.1837% | 1,642 |
| Return on assets (ROA) | 1.3666% | 1,261 |
| Pretax return on assets | 1.7058% | 1,108 |
| Return on Equity (ROE) | 10.8684% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.0233% | 787 |
| Net charge-offs to loans | 0.1132% | 5,404 |
| Credit loss provision to net charge-offs | 275.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 25.2396% | 1,001 |
| Efficiency ratio | 56.2913% | 6,512 |
| Assets per employee ($millions) | 4.0626% | 3,710 |
| Cash dividends to net income (ytd only)* | 7.7754% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 4,203 |
| Loan loss allowance to noncurrent loans | 58.0595% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9048% | 3,606 |
| Noncurrent loans to loans | 2.4963% | 3,119 |
| Net loans and leases to total assets | 60.1607% | 4,881 |
| Net loans and leases to deposits | 75.1557% | 4,326 |
| Net loans and leases to core deposits | 90.9654% | 2,960 |
| Total domestic deposits to total assets | 80.0480% | 5,690 |
| Equity capital to assets | 12.7124% | 1,743 |
| Core capital (leverage) ratio | 9.7905% | 3,502 |
| Tier 1 risk-based capital ratio | 13.5747% | 4,141 |
| Total risk-based capital ratio | 14.8227% | 4,092 |
| Memoranda: | ||
| Average total assets | $568,389,000 | 1,192 |
| Average earning assets | $502,783,250 | 1,236 |
| Average equity | $71,471,750 | 940 |
| Average total loans | $329,663,750 | 1,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 4,789 |
| Cost of funding earning assets | 1.3023% | 4,522 |
| Net interest margin | 3.7301% | 4,234 |
| Noninterest income to average assets | 0.4669% | 4,381 |
| Noninterest expense to average assets | 2.3392% | 6,247 |
| Loan and lease loss provision to assets | 0.0462% | 6,506 |
| Net operating income to assets | 1.0943% | 1,877 |
| Return on assets (ROA) | 1.3290% | 1,314 |
| Pretax return on assets | 1.6832% | 1,085 |
| Return on Equity (ROE) | 10.6090% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.0502% | 836 |
| Net charge-offs to loans | 0.1691% | 4,604 |
| Credit loss provision to net charge-offs | 47.9705% | 5,462 |
| Earnings coverage of net charge-offs (x) | 14.8745% | 1,495 |
| Efficiency ratio | 59.4404% | 6,155 |
| Assets per employee ($millions) | 3.8756% | 4,046 |
| Cash dividends to net income (ytd only)* | 5.2674% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,833 |
| Loan loss allowance to noncurrent loans | 72.7899% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5407% | 4,149 |
| Noncurrent loans to loans | 1.8050% | 3,998 |
| Net loans and leases to total assets | 60.7477% | 4,919 |
| Net loans and leases to deposits | 75.5505% | 4,415 |
| Net loans and leases to core deposits | 88.5567% | 3,476 |
| Total domestic deposits to total assets | 80.4068% | 5,588 |
| Equity capital to assets | 12.8031% | 1,652 |
| Core capital (leverage) ratio | 9.6423% | 3,620 |
| Tier 1 risk-based capital ratio | 13.5256% | 4,050 |
| Total risk-based capital ratio | 14.6724% | 4,087 |
| Memoranda: | ||
| Average total assets | $562,848,670 | 1,206 |
| Average earning assets | $498,652,670 | 1,256 |
| Average equity | $70,506,000 | 954 |
| Average total loans | $320,511,000 | 1,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 5,662 |
| Cost of funding earning assets | 1.3173% | 4,713 |
| Net interest margin | 3.5385% | 4,999 |
| Noninterest income to average assets | 0.5276% | 3,831 |
| Noninterest expense to average assets | 2.3824% | 6,152 |
| Loan and lease loss provision to assets | 0.0426% | 6,253 |
| Net operating income to assets | 0.9970% | 2,198 |
| Return on assets (ROA) | 1.3272% | 1,304 |
| Pretax return on assets | 1.6460% | 1,169 |
| Return on Equity (ROE) | 10.7130% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.7015% | 985 |
| Net charge-offs to loans | 0.3041% | 3,201 |
| Credit loss provision to net charge-offs | 25.6410% | 4,883 |
| Earnings coverage of net charge-offs (x) | 7.7094% | 2,053 |
| Efficiency ratio | 63.2293% | 5,622 |
| Assets per employee ($millions) | 3.9018% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.1070% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,089 |
| Loan loss allowance to noncurrent loans | 72.3773% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 4,414 |
| Noncurrent loans to loans | 2.0263% | 3,753 |
| Net loans and leases to total assets | 54.7132% | 5,929 |
| Net loans and leases to deposits | 67.2509% | 5,682 |
| Net loans and leases to core deposits | 78.8326% | 4,915 |
| Total domestic deposits to total assets | 81.3569% | 5,324 |
| Equity capital to assets | 12.7095% | 1,650 |
| Core capital (leverage) ratio | 9.3512% | 3,971 |
| Tier 1 risk-based capital ratio | 14.2127% | 3,529 |
| Total risk-based capital ratio | 15.4630% | 3,501 |
| Memoranda: | ||
| Average total assets | $563,291,000 | 1,236 |
| Average earning assets | $499,197,500 | 1,285 |
| Average equity | $69,784,500 | 962 |
| Average total loans | $307,804,000 | 1,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 4,346 |
| Cost of funding earning assets | 1.5845% | 5,104 |
| Net interest margin | 3.8828% | 3,336 |
| Noninterest income to average assets | 0.5567% | 3,970 |
| Noninterest expense to average assets | 2.4248% | 6,391 |
| Loan and lease loss provision to assets | 0.0442% | 7,115 |
| Net operating income to assets | 1.1740% | 1,315 |
| Return on assets (ROA) | 1.2557% | 1,177 |
| Pretax return on assets | 1.6330% | 894 |
| Return on Equity (ROE) | 10.0542% | 1,671 |
| Retained earnings to average equity (ytd only) | -5.6631% | 6,104 |
| Net charge-offs to loans | 0.5027% | 3,765 |
| Credit loss provision to net charge-offs | 15.5340% | 6,956 |
| Earnings coverage of net charge-offs (x) | 5.5243% | 2,570 |
| Efficiency ratio | 59.1883% | 6,594 |
| Assets per employee ($millions) | 3.9759% | 3,858 |
| Cash dividends to net income (ytd only)* | 156.3261% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,616 |
| Loan loss allowance to noncurrent loans | 89.8907% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 4,812 |
| Noncurrent loans to loans | 1.6928% | 4,104 |
| Net loans and leases to total assets | 52.9702% | 6,311 |
| Net loans and leases to deposits | 69.5375% | 5,668 |
| Net loans and leases to core deposits | 94.5202% | 4,624 |
| Total domestic deposits to total assets | 76.1750% | 6,641 |
| Equity capital to assets | 12.0783% | 1,990 |
| Core capital (leverage) ratio | 8.7607% | 4,820 |
| Tier 1 risk-based capital ratio | 13.4869% | 3,830 |
| Total risk-based capital ratio | 14.7370% | 3,779 |
| Memoranda: | ||
| Average total assets | $543,224,000 | 1,276 |
| Average earning assets | $481,170,400 | 1,314 |
| Average equity | $67,842,600 | 971 |
| Average total loans | $307,346,600 | 1,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 4,182 |
| Cost of funding earning assets | 1.6431% | 5,194 |
| Net interest margin | 3.9021% | 3,232 |
| Noninterest income to average assets | 0.5439% | 4,129 |
| Noninterest expense to average assets | 2.4034% | 6,409 |
| Loan and lease loss provision to assets | 0.0448% | 6,922 |
| Net operating income to assets | 1.1718% | 1,535 |
| Return on assets (ROA) | 1.2818% | 1,339 |
| Pretax return on assets | 1.6953% | 981 |
| Return on Equity (ROE) | 10.1742% | 1,856 |
| Retained earnings to average equity (ytd only) | -10.5455% | 6,856 |
| Net charge-offs to loans | 0.3711% | 3,800 |
| Credit loss provision to net charge-offs | 21.0526% | 6,564 |
| Earnings coverage of net charge-offs (x) | 7.4994% | 2,393 |
| Efficiency ratio | 58.9099% | 6,574 |
| Assets per employee ($millions) | 3.9957% | 3,738 |
| Cash dividends to net income (ytd only)* | 203.6491% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 2,945 |
| Loan loss allowance to noncurrent loans | 90.5622% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 4,614 |
| Noncurrent loans to loans | 1.7795% | 3,942 |
| Net loans and leases to total assets | 58.4346% | 5,822 |
| Net loans and leases to deposits | 77.6830% | 4,785 |
| Net loans and leases to core deposits | 106.4249% | 3,652 |
| Total domestic deposits to total assets | 75.2218% | 6,735 |
| Equity capital to assets | 12.1369% | 2,166 |
| Core capital (leverage) ratio | 8.7189% | 5,102 |
| Tier 1 risk-based capital ratio | 12.8160% | 4,313 |
| Total risk-based capital ratio | 14.0656% | 4,253 |
| Memoranda: | ||
| Average total assets | $535,896,750 | 1,298 |
| Average earning assets | $474,466,250 | 1,352 |
| Average equity | $67,515,250 | 985 |
| Average total loans | $307,193,750 | 1,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 4,919 |
| Cost of funding earning assets | 1.7091% | 5,224 |
| Net interest margin | 3.7351% | 3,808 |
| Noninterest income to average assets | 0.4964% | 4,477 |
| Noninterest expense to average assets | 2.3276% | 6,682 |
| Loan and lease loss provision to assets | 0.0453% | 6,778 |
| Net operating income to assets | 1.0848% | 1,824 |
| Return on assets (ROA) | 1.2433% | 1,452 |
| Pretax return on assets | 1.6313% | 1,147 |
| Return on Equity (ROE) | 9.7437% | 2,113 |
| Retained earnings to average equity (ytd only) | -18.7799% | 7,419 |
| Net charge-offs to loans | 0.5553% | 2,666 |
| Credit loss provision to net charge-offs | 14.4231% | 6,162 |
| Earnings coverage of net charge-offs (x) | 4.6707% | 3,038 |
| Efficiency ratio | 61.3218% | 6,344 |
| Assets per employee ($millions) | 3.6638% | 4,415 |
| Cash dividends to net income (ytd only)* | 292.7378% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 2,464 |
| Loan loss allowance to noncurrent loans | 133.1064% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 5,155 |
| Noncurrent loans to loans | 1.2514% | 4,705 |
| Net loans and leases to total assets | 57.8645% | 5,981 |
| Net loans and leases to deposits | 72.8306% | 5,630 |
| Net loans and leases to core deposits | 98.6846% | 4,628 |
| Total domestic deposits to total assets | 79.4509% | 5,671 |
| Equity capital to assets | 11.9933% | 2,210 |
| Core capital (leverage) ratio | 9.3491% | 4,103 |
| Tier 1 risk-based capital ratio | 12.8675% | 4,232 |
| Total risk-based capital ratio | 14.1175% | 4,147 |
| Memoranda: | ||
| Average total assets | $529,396,000 | 1,329 |
| Average earning assets | $467,612,000 | 1,382 |
| Average equity | $67,551,000 | 998 |
| Average total loans | $299,638,000 | 1,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8423% | 3,080 |
| Cost of funding earning assets | 1.9997% | 4,129 |
| Net interest margin | 3.8426% | 3,286 |
| Noninterest income to average assets | 0.4875% | 4,437 |
| Noninterest expense to average assets | 2.3612% | 6,337 |
| Loan and lease loss provision to assets | 0.0513% | 6,318 |
| Net operating income to assets | 1.1465% | 1,818 |
| Return on assets (ROA) | 1.5214% | 971 |
| Pretax return on assets | 1.9490% | 728 |
| Return on Equity (ROE) | 11.5714% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.5957% | 1,054 |
| Net charge-offs to loans | 0.5583% | 2,071 |
| Credit loss provision to net charge-offs | 15.4639% | 5,134 |
| Earnings coverage of net charge-offs (x) | 4.5799% | 2,854 |
| Efficiency ratio | 60.8418% | 6,276 |
| Assets per employee ($millions) | 3.8201% | 4,039 |
| Cash dividends to net income (ytd only)* | 8.4317% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 1,402 |
| Loan loss allowance to noncurrent loans | 125.5185% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 4,742 |
| Noncurrent loans to loans | 1.5985% | 3,880 |
| Net loans and leases to total assets | 56.4992% | 6,166 |
| Net loans and leases to deposits | 71.0717% | 5,861 |
| Net loans and leases to core deposits | 98.5640% | 4,686 |
| Total domestic deposits to total assets | 79.4960% | 5,542 |
| Equity capital to assets | 12.9464% | 1,774 |
| Core capital (leverage) ratio | 10.0839% | 3,313 |
| Tier 1 risk-based capital ratio | 14.8236% | 3,147 |
| Total risk-based capital ratio | 16.0578% | 3,082 |
| Memoranda: | ||
| Average total assets | $467,736,500 | 1,529 |
| Average earning assets | $413,053,000 | 1,575 |
| Average equity | $61,496,500 | 1,112 |
| Average total loans | $277,977,500 | 1,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8660% | 1,499 |
| Cost of funding earning assets | 2.5891% | 3,730 |
| Net interest margin | 4.2770% | 2,054 |
| Noninterest income to average assets | 0.6455% | 3,506 |
| Noninterest expense to average assets | 2.4664% | 6,145 |
| Loan and lease loss provision to assets | 0.1408% | 5,550 |
| Net operating income to assets | 1.2784% | 1,544 |
| Return on assets (ROA) | 1.3408% | 1,321 |
| Pretax return on assets | 1.8591% | 838 |
| Return on Equity (ROE) | 10.6223% | 2,038 |
| Retained earnings to average equity (ytd only) | -28.6007% | 7,887 |
| Net charge-offs to loans | 0.1090% | 5,191 |
| Credit loss provision to net charge-offs | 210.8626% | 2,288 |
| Earnings coverage of net charge-offs (x) | 28.6454% | 1,206 |
| Efficiency ratio | 56.3146% | 6,962 |
| Assets per employee ($millions) | 3.6331% | 4,331 |
| Cash dividends to net income (ytd only)* | 369.2504% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 1,048 |
| Loan loss allowance to noncurrent loans | 106.4837% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 3,586 |
| Noncurrent loans to loans | 1.9886% | 2,779 |
| Net loans and leases to total assets | 60.0127% | 5,904 |
| Net loans and leases to deposits | 76.6283% | 5,516 |
| Net loans and leases to core deposits | 102.9152% | 4,511 |
| Total domestic deposits to total assets | 78.3167% | 5,606 |
| Equity capital to assets | 13.3610% | 1,647 |
| Core capital (leverage) ratio | 9.7848% | 3,671 |
| Tier 1 risk-based capital ratio | 14.6906% | 3,206 |
| Total risk-based capital ratio | 15.9424% | 3,125 |
| Memoranda: | ||
| Average total assets | $468,618,000 | 1,474 |
| Average earning assets | $409,145,400 | 1,529 |
| Average equity | $59,149,000 | 1,137 |
| Average total loans | $287,175,000 | 1,686 |