Home > Bank of Farmington > Performance and Condition Ratios
Bank of Farmington, 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 | 4.6821% | 2,720 |
| Cost of funding earning assets | 1.5847% | 1,729 |
| Net interest margin | 3.0974% | 3,102 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.5137% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5230% | 3,622 |
| Return on assets (ROA) | 0.5108% | 3,641 |
| Pretax return on assets | 0.6240% | 3,592 |
| Return on Equity (ROE) | 5.7500% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.2974% | 3,504 |
| Net charge-offs to loans | 0.0041% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 202.2857% | 585 |
| Efficiency ratio | 79.7338% | 931 |
| Assets per employee ($millions) | 4.9739% | 3,660 |
| Cash dividends to net income (ytd only)* | 60.0707% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 2,759 |
| Loan loss allowance to noncurrent loans | 230.8063% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,514 |
| Noncurrent loans to loans | 0.4831% | 1,576 |
| Net loans and leases to total assets | 74.3500% | 1,308 |
| Net loans and leases to deposits | 87.7599% | 1,457 |
| Net loans and leases to core deposits | 100.2942% | 1,417 |
| Total domestic deposits to total assets | 84.7200% | 2,403 |
| Equity capital to assets | 9.0140% | 2,669 |
| Core capital (leverage) ratio | 10.4612% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0961% | 1,836 |
| Memoranda: | ||
| Average total assets | $221,624,400 | 2,837 |
| Average earning assets | $206,787,400 | 2,817 |
| Average equity | $19,674,000 | 2,885 |
| Average total loans | $169,811,000 | 2,524 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 2,888 |
| Cost of funding earning assets | 1.4106% | 1,842 |
| Net interest margin | 3.1009% | 3,141 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5097% | 2,212 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5032% | 3,761 |
| Return on assets (ROA) | 0.4858% | 3,796 |
| Pretax return on assets | 0.5598% | 3,806 |
| Return on Equity (ROE) | 5.4900% | 3,731 |
| Retained earnings to average equity (ytd only) | 2.2088% | 3,687 |
| Net charge-offs to loans | -0.0071% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.3633% | 900 |
| Assets per employee ($millions) | 5.4375% | 3,233 |
| Cash dividends to net income (ytd only)* | 59.8002% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,385 |
| Loan loss allowance to noncurrent loans | 68.6957% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 316 |
| Noncurrent loans to loans | 1.7425% | 381 |
| Net loans and leases to total assets | 74.2400% | 1,313 |
| Net loans and leases to deposits | 88.3698% | 1,353 |
| Net loans and leases to core deposits | 100.1435% | 1,313 |
| Total domestic deposits to total assets | 84.0100% | 2,770 |
| Equity capital to assets | 8.3980% | 2,793 |
| Core capital (leverage) ratio | 10.4589% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7013% | 2,004 |
| Memoranda: | ||
| Average total assets | $219,830,750 | 2,860 |
| Average earning assets | $204,922,250 | 2,843 |
| Average equity | $19,436,500 | 2,897 |
| Average total loans | $169,258,000 | 2,531 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,835 |
| Cost of funding earning assets | 1.1705% | 2,077 |
| Net interest margin | 3.2515% | 2,862 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.5532% | 2,055 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5752% | 3,639 |
| Return on assets (ROA) | 0.5494% | 3,707 |
| Pretax return on assets | 0.6480% | 3,705 |
| Return on Equity (ROE) | 6.1100% | 3,665 |
| Retained earnings to average equity (ytd only) | 2.1514% | 3,686 |
| Net charge-offs to loans | 0.0154% | 1,626 |
| Credit loss provision to net charge-offs | 692.3077% | 527 |
| Earnings coverage of net charge-offs (x) | 63.5385% | 1,168 |
| Efficiency ratio | 77.0300% | 1,092 |
| Assets per employee ($millions) | 5.4851% | 3,165 |
| Cash dividends to net income (ytd only)* | 64.7651% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,641 |
| Loan loss allowance to noncurrent loans | 66.8224% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 276 |
| Noncurrent loans to loans | 1.7398% | 353 |
| Net loans and leases to total assets | 77.5700% | 881 |
| Net loans and leases to deposits | 92.8228% | 966 |
| Net loans and leases to core deposits | 104.1094% | 1,047 |
| Total domestic deposits to total assets | 83.5700% | 2,918 |
| Equity capital to assets | 8.9255% | 2,569 |
| Core capital (leverage) ratio | 10.7286% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7526% | 2,005 |
| Memoranda: | ||
| Average total assets | $216,982,667 | 2,886 |
| Average earning assets | $202,304,000 | 2,874 |
| Average equity | $19,522,333 | 2,904 |
| Average total loans | $168,479,000 | 2,532 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,773 |
| Cost of funding earning assets | 1.0443% | 1,894 |
| Net interest margin | 3.2681% | 2,954 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5601% | 2,078 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5612% | 3,770 |
| Return on assets (ROA) | 0.5117% | 3,833 |
| Pretax return on assets | 0.6340% | 3,784 |
| Return on Equity (ROE) | 5.6600% | 3,780 |
| Retained earnings to average equity (ytd only) | -0.7593% | 4,107 |
| Net charge-offs to loans | 0.0096% | 1,582 |
| Credit loss provision to net charge-offs | 1,125.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 765 |
| Efficiency ratio | 76.6796% | 1,112 |
| Assets per employee ($millions) | 5.3498% | 3,364 |
| Cash dividends to net income (ytd only)* | 113.4058% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,679 |
| Loan loss allowance to noncurrent loans | 58.2174% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 197 |
| Noncurrent loans to loans | 2.0215% | 274 |
| Net loans and leases to total assets | 77.1500% | 861 |
| Net loans and leases to deposits | 87.6506% | 1,235 |
| Net loans and leases to core deposits | 103.0409% | 964 |
| Total domestic deposits to total assets | 88.0200% | 1,918 |
| Equity capital to assets | 9.1391% | 2,414 |
| Core capital (leverage) ratio | 10.7856% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8784% | 2,010 |
| Memoranda: | ||
| Average total assets | $215,771,500 | 2,933 |
| Average earning assets | $201,095,000 | 2,921 |
| Average equity | $19,492,000 | 2,933 |
| Average total loans | $166,618,500 | 2,574 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 2,210 |
| Cost of funding earning assets | 0.3747% | 2,296 |
| Net interest margin | 3.4494% | 2,097 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.3794% | 2,478 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8490% | 3,155 |
| Return on assets (ROA) | 0.8436% | 3,109 |
| Pretax return on assets | 0.9988% | 3,080 |
| Return on Equity (ROE) | 9.2000% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.1067% | 3,001 |
| Net charge-offs to loans | -0.0159% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.6295% | 1,885 |
| Assets per employee ($millions) | 5.4388% | 3,278 |
| Cash dividends to net income (ytd only)* | 44.4927% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,597 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.5000% | 1,062 |
| Net loans and leases to deposits | 85.8856% | 1,320 |
| Net loans and leases to core deposits | 99.1124% | 1,048 |
| Total domestic deposits to total assets | 87.9100% | 2,100 |
| Equity capital to assets | 8.9299% | 2,402 |
| Core capital (leverage) ratio | 10.7120% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0958% | 1,941 |
| Memoranda: | ||
| Average total assets | $218,460,000 | 2,913 |
| Average earning assets | $204,703,800 | 2,897 |
| Average equity | $20,032,400 | 2,950 |
| Average total loans | $157,209,600 | 2,562 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 2,078 |
| Cost of funding earning assets | 0.3004% | 2,162 |
| Net interest margin | 3.3872% | 2,017 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3326% | 2,532 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8880% | 2,922 |
| Return on assets (ROA) | 0.8804% | 2,935 |
| Pretax return on assets | 0.9883% | 3,050 |
| Return on Equity (ROE) | 9.5400% | 2,862 |
| Retained earnings to average equity (ytd only) | 4.1418% | 3,396 |
| Net charge-offs to loans | -0.0275% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3703% | 1,969 |
| Assets per employee ($millions) | 5.4244% | 3,297 |
| Cash dividends to net income (ytd only)* | 56.5789% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,798 |
| Loan loss allowance to noncurrent loans | 6,988.8889% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,848 |
| Noncurrent loans to loans | 0.0164% | 3,805 |
| Net loans and leases to total assets | 74.8200% | 1,028 |
| Net loans and leases to deposits | 82.4874% | 1,406 |
| Net loans and leases to core deposits | 92.1914% | 1,169 |
| Total domestic deposits to total assets | 90.7100% | 1,357 |
| Equity capital to assets | 8.4692% | 2,564 |
| Core capital (leverage) ratio | 10.6081% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8876% | 2,094 |
| Memoranda: | ||
| Average total assets | $218,687,250 | 2,935 |
| Average earning assets | $205,083,250 | 2,916 |
| Average equity | $20,183,750 | 2,980 |
| Average total loans | $154,966,500 | 2,589 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 2,007 |
| Cost of funding earning assets | 0.2705% | 2,024 |
| Net interest margin | 3.2736% | 1,982 |
| Noninterest income to average assets | 0.2034% | 3,979 |
| Noninterest expense to average assets | 2.3297% | 2,460 |
| Loan and lease loss provision to assets | 0.0821% | 1,200 |
| Net operating income to assets | 0.8495% | 2,781 |
| Return on assets (ROA) | 0.8574% | 2,721 |
| Pretax return on assets | 0.8802% | 3,116 |
| Return on Equity (ROE) | 9.0444% | 2,686 |
| Retained earnings to average equity (ytd only) | 4.5703% | 2,855 |
| Net charge-offs to loans | -0.0342% | 4,097 |
| Credit loss provision to net charge-offs | -346.1538% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9444% | 1,833 |
| Assets per employee ($millions) | 5.5489% | 3,176 |
| Cash dividends to net income (ytd only)* | 49.4681% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.4809% | 1,165 |
| Net loans and leases to deposits | 80.0771% | 1,382 |
| Net loans and leases to core deposits | 87.7444% | 1,236 |
| Total domestic deposits to total assets | 89.2651% | 2,064 |
| Equity capital to assets | 8.6837% | 2,627 |
| Core capital (leverage) ratio | 10.5019% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5367% | 1,852 |
| Memoranda: | ||
| Average total assets | $219,258,000 | 2,954 |
| Average earning assets | $206,319,333 | 2,946 |
| Average equity | $20,786,333 | 2,989 |
| Average total loans | $151,876,333 | 2,622 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 1,978 |
| Cost of funding earning assets | 0.2671% | 1,954 |
| Net interest margin | 3.1706% | 1,969 |
| Noninterest income to average assets | 0.2266% | 3,796 |
| Noninterest expense to average assets | 2.3110% | 2,458 |
| Loan and lease loss provision to assets | 0.0816% | 1,005 |
| Net operating income to assets | 0.6558% | 3,210 |
| Return on assets (ROA) | 0.6688% | 3,149 |
| Pretax return on assets | 0.8410% | 2,972 |
| Return on Equity (ROE) | 6.7758% | 3,107 |
| Retained earnings to average equity (ytd only) | -0.4407% | 4,073 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8310% | 1,998 |
| Assets per employee ($millions) | 5.6069% | 3,227 |
| Cash dividends to net income (ytd only)* | 106.5041% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,953 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.7214% | 1,241 |
| Net loans and leases to deposits | 77.6186% | 1,316 |
| Net loans and leases to core deposits | 85.0654% | 1,184 |
| Total domestic deposits to total assets | 87.2489% | 2,832 |
| Equity capital to assets | 9.4279% | 2,339 |
| Core capital (leverage) ratio | 9.9593% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7092% | 1,913 |
| Memoranda: | ||
| Average total assets | $220,684,000 | 2,960 |
| Average earning assets | $208,160,000 | 2,937 |
| Average equity | $21,783,500 | 3,001 |
| Average total loans | $149,552,000 | 2,632 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 2,074 |
| Cost of funding earning assets | 0.3646% | 1,812 |
| Net interest margin | 3.3476% | 2,179 |
| Noninterest income to average assets | 0.2333% | 3,985 |
| Noninterest expense to average assets | 2.2693% | 2,885 |
| Loan and lease loss provision to assets | 0.1417% | 847 |
| Net operating income to assets | 0.7775% | 3,399 |
| Return on assets (ROA) | 0.7939% | 3,422 |
| Pretax return on assets | 0.9998% | 3,257 |
| Return on Equity (ROE) | 7.4375% | 3,395 |
| Retained earnings to average equity (ytd only) | 3.9599% | 3,234 |
| Net charge-offs to loans | 0.0112% | 2,142 |
| Credit loss provision to net charge-offs | 1,875.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 148.3125% | 664 |
| Efficiency ratio | 66.9407% | 2,134 |
| Assets per employee ($millions) | 5.5674% | 3,197 |
| Cash dividends to net income (ytd only)* | 46.7579% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,036 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.2479% | 1,444 |
| Net loans and leases to deposits | 77.5582% | 1,436 |
| Net loans and leases to core deposits | 84.8226% | 1,275 |
| Total domestic deposits to total assets | 85.4170% | 3,125 |
| Equity capital to assets | 10.3059% | 2,366 |
| Core capital (leverage) ratio | 9.9276% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7949% | 1,926 |
| Memoranda: | ||
| Average total assets | $211,739,000 | 2,970 |
| Average earning assets | $199,663,600 | 2,959 |
| Average equity | $22,601,800 | 3,009 |
| Average total loans | $142,572,800 | 2,699 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 2,254 |
| Cost of funding earning assets | 0.3974% | 1,711 |
| Net interest margin | 3.3108% | 2,389 |
| Noninterest income to average assets | 0.2386% | 3,973 |
| Noninterest expense to average assets | 2.2334% | 2,959 |
| Loan and lease loss provision to assets | 0.1345% | 850 |
| Net operating income to assets | 0.7868% | 3,560 |
| Return on assets (ROA) | 0.8070% | 3,583 |
| Pretax return on assets | 1.0162% | 3,406 |
| Return on Equity (ROE) | 7.4913% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.2224% | 3,498 |
| Net charge-offs to loans | -0.0208% | 3,978 |
| Credit loss provision to net charge-offs | -959.0909% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4957% | 2,033 |
| Assets per employee ($millions) | 5.5765% | 3,115 |
| Cash dividends to net income (ytd only)* | 43.6364% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 3,072 |
| Loan loss allowance to noncurrent loans | 2,828.8136% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,994 |
| Noncurrent loans to loans | 0.0418% | 3,910 |
| Net loans and leases to total assets | 64.1704% | 1,749 |
| Net loans and leases to deposits | 75.4047% | 1,722 |
| Net loans and leases to core deposits | 81.2254% | 1,637 |
| Total domestic deposits to total assets | 85.1013% | 3,079 |
| Equity capital to assets | 10.5641% | 2,409 |
| Core capital (leverage) ratio | 10.0028% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6929% | 1,728 |
| Memoranda: | ||
| Average total assets | $208,999,500 | 3,026 |
| Average earning assets | $196,965,000 | 3,012 |
| Average equity | $22,514,500 | 3,054 |
| Average total loans | $140,903,000 | 2,755 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 2,292 |
| Cost of funding earning assets | 0.4355% | 1,612 |
| Net interest margin | 3.2805% | 2,512 |
| Noninterest income to average assets | 0.2493% | 3,908 |
| Noninterest expense to average assets | 2.1516% | 3,236 |
| Loan and lease loss provision to assets | 0.1174% | 1,076 |
| Net operating income to assets | 0.8337% | 3,412 |
| Return on assets (ROA) | 0.8643% | 3,395 |
| Pretax return on assets | 1.1175% | 3,157 |
| Return on Equity (ROE) | 7.9692% | 3,414 |
| Retained earnings to average equity (ytd only) | 3.9265% | 3,543 |
| Net charge-offs to loans | -0.0313% | 4,172 |
| Credit loss provision to net charge-offs | -550.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2712% | 2,390 |
| Assets per employee ($millions) | 5.1670% | 3,491 |
| Cash dividends to net income (ytd only)* | 50.7295% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,514 |
| Loan loss allowance to noncurrent loans | 2,821.4286% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,667 |
| Noncurrent loans to loans | 0.0382% | 4,008 |
| Net loans and leases to total assets | 68.4998% | 1,384 |
| Net loans and leases to deposits | 81.5211% | 1,270 |
| Net loans and leases to core deposits | 85.6605% | 1,442 |
| Total domestic deposits to total assets | 84.0271% | 3,430 |
| Equity capital to assets | 10.7087% | 2,218 |
| Core capital (leverage) ratio | 10.4463% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6528% | 1,737 |
| Memoranda: | ||
| Average total assets | $206,172,000 | 3,051 |
| Average earning assets | $194,727,667 | 3,024 |
| Average equity | $22,361,000 | 3,059 |
| Average total loans | $140,794,667 | 2,770 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7611% | 2,215 |
| Cost of funding earning assets | 0.4977% | 1,407 |
| Net interest margin | 3.2634% | 2,502 |
| Noninterest income to average assets | 0.2931% | 3,652 |
| Noninterest expense to average assets | 2.3882% | 2,528 |
| Loan and lease loss provision to assets | 0.0925% | 1,448 |
| Net operating income to assets | 0.6807% | 3,757 |
| Return on assets (ROA) | 0.6807% | 3,820 |
| Pretax return on assets | 0.8951% | 3,611 |
| Return on Equity (ROE) | 6.2347% | 3,794 |
| Retained earnings to average equity (ytd only) | -0.4685% | 4,409 |
| Net charge-offs to loans | 0.0087% | 1,602 |
| Credit loss provision to net charge-offs | 1,566.6667% | 296 |
| Earnings coverage of net charge-offs (x) | 167.3333% | 455 |
| Efficiency ratio | 70.7459% | 1,627 |
| Assets per employee ($millions) | 5.0559% | 3,590 |
| Cash dividends to net income (ytd only)* | 107.5145% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,621 |
| Loan loss allowance to noncurrent loans | 1,184.0000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 3,586 |
| Noncurrent loans to loans | 0.0893% | 3,855 |
| Net loans and leases to total assets | 66.7890% | 1,687 |
| Net loans and leases to deposits | 79.0067% | 1,614 |
| Net loans and leases to core deposits | 84.0307% | 1,679 |
| Total domestic deposits to total assets | 84.5359% | 3,268 |
| Equity capital to assets | 10.5773% | 2,189 |
| Core capital (leverage) ratio | 10.1996% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0409% | 1,560 |
| Memoranda: | ||
| Average total assets | $203,335,000 | 3,058 |
| Average earning assets | $192,069,000 | 3,040 |
| Average equity | $22,198,500 | 3,064 |
| Average total loans | $137,845,000 | 2,811 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 2,656 |
| Cost of funding earning assets | 0.7762% | 1,313 |
| Net interest margin | 3.2472% | 3,224 |
| Noninterest income to average assets | 0.2567% | 3,945 |
| Noninterest expense to average assets | 2.4250% | 3,073 |
| Loan and lease loss provision to assets | 0.0524% | 3,720 |
| Net operating income to assets | 0.6911% | 3,463 |
| Return on assets (ROA) | 0.7009% | 3,565 |
| Pretax return on assets | 0.8529% | 3,497 |
| Return on Equity (ROE) | 6.2338% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.5858% | 3,553 |
| Net charge-offs to loans | 0.0625% | 1,884 |
| Credit loss provision to net charge-offs | 126.5823% | 2,582 |
| Earnings coverage of net charge-offs (x) | 21.5823% | 1,889 |
| Efficiency ratio | 73.0818% | 1,560 |
| Assets per employee ($millions) | 4.9844% | 3,409 |
| Cash dividends to net income (ytd only)* | 58.5202% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,646 |
| Loan loss allowance to noncurrent loans | 886.4198% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,597 |
| Noncurrent loans to loans | 0.1193% | 3,808 |
| Net loans and leases to total assets | 67.3724% | 1,908 |
| Net loans and leases to deposits | 80.4202% | 1,814 |
| Net loans and leases to core deposits | 85.9922% | 1,868 |
| Total domestic deposits to total assets | 83.7755% | 3,177 |
| Equity capital to assets | 11.2706% | 2,039 |
| Core capital (leverage) ratio | 10.6135% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5471% | 1,394 |
| Memoranda: | ||
| Average total assets | $190,886,200 | 3,020 |
| Average earning assets | $179,971,200 | 3,000 |
| Average equity | $21,463,600 | 3,059 |
| Average total loans | $126,402,000 | 2,904 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 2,908 |
| Cost of funding earning assets | 0.8377% | 1,320 |
| Net interest margin | 3.1843% | 3,533 |
| Noninterest income to average assets | 0.2500% | 3,983 |
| Noninterest expense to average assets | 2.3952% | 3,146 |
| Loan and lease loss provision to assets | 0.0503% | 3,721 |
| Net operating income to assets | 0.6377% | 3,671 |
| Return on assets (ROA) | 0.6505% | 3,731 |
| Pretax return on assets | 0.8229% | 3,584 |
| Return on Equity (ROE) | 5.7891% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.4074% | 3,781 |
| Net charge-offs to loans | 0.0118% | 2,683 |
| Credit loss provision to net charge-offs | 645.4545% | 1,122 |
| Earnings coverage of net charge-offs (x) | 110.2727% | 739 |
| Efficiency ratio | 73.6533% | 1,443 |
| Assets per employee ($millions) | 5.3572% | 2,830 |
| Cash dividends to net income (ytd only)* | 58.4148% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,054 |
| Loan loss allowance to noncurrent loans | 306.6528% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,216 |
| Noncurrent loans to loans | 0.3675% | 2,966 |
| Net loans and leases to total assets | 65.2827% | 2,609 |
| Net loans and leases to deposits | 78.3613% | 2,501 |
| Net loans and leases to core deposits | 83.9880% | 2,476 |
| Total domestic deposits to total assets | 83.3098% | 3,055 |
| Equity capital to assets | 11.1978% | 2,231 |
| Core capital (leverage) ratio | 10.6961% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3841% | 1,161 |
| Memoranda: | ||
| Average total assets | $188,763,500 | 3,024 |
| Average earning assets | $177,951,000 | 3,004 |
| Average equity | $21,211,750 | 3,071 |
| Average total loans | $124,062,250 | 2,943 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,390 |
| Cost of funding earning assets | 0.9267% | 1,252 |
| Net interest margin | 3.0474% | 4,023 |
| Noninterest income to average assets | 0.2360% | 4,062 |
| Noninterest expense to average assets | 2.4136% | 3,220 |
| Loan and lease loss provision to assets | 0.0356% | 3,821 |
| Net operating income to assets | 0.5203% | 3,953 |
| Return on assets (ROA) | 0.5398% | 3,988 |
| Pretax return on assets | 0.6853% | 3,901 |
| Return on Equity (ROE) | 4.7980% | 3,887 |
| Retained earnings to average equity (ytd only) | 0.5363% | 4,205 |
| Net charge-offs to loans | -0.0016% | 3,796 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6161% | 1,087 |
| Assets per employee ($millions) | 5.4517% | 2,689 |
| Cash dividends to net income (ytd only)* | 88.8224% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,908 |
| Loan loss allowance to noncurrent loans | 403.6212% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,615 |
| Noncurrent loans to loans | 0.2785% | 3,382 |
| Net loans and leases to total assets | 64.9358% | 2,765 |
| Net loans and leases to deposits | 77.9201% | 2,663 |
| Net loans and leases to core deposits | 84.7096% | 2,558 |
| Total domestic deposits to total assets | 83.3364% | 2,980 |
| Equity capital to assets | 11.1047% | 2,246 |
| Core capital (leverage) ratio | 10.8234% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4846% | 1,137 |
| Memoranda: | ||
| Average total assets | $185,612,000 | 3,030 |
| Average earning assets | $175,033,000 | 3,006 |
| Average equity | $20,883,667 | 3,089 |
| Average total loans | $121,790,667 | 2,957 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,323 |
| Cost of funding earning assets | 1.0251% | 1,315 |
| Net interest margin | 3.1436% | 4,001 |
| Noninterest income to average assets | 0.2418% | 4,109 |
| Noninterest expense to average assets | 2.5825% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4903% | 3,920 |
| Return on assets (ROA) | 0.4903% | 3,974 |
| Pretax return on assets | 0.6190% | 3,891 |
| Return on Equity (ROE) | 4.3273% | 3,861 |
| Retained earnings to average equity (ytd only) | -2.6042% | 4,311 |
| Net charge-offs to loans | -0.0237% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6653% | 1,074 |
| Assets per employee ($millions) | 4.6245% | 3,089 |
| Cash dividends to net income (ytd only)* | 160.1810% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,731 |
| Loan loss allowance to noncurrent loans | 321.7195% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,341 |
| Noncurrent loans to loans | 0.3694% | 3,165 |
| Net loans and leases to total assets | 65.5483% | 2,870 |
| Net loans and leases to deposits | 77.0345% | 2,974 |
| Net loans and leases to core deposits | 84.8892% | 2,772 |
| Total domestic deposits to total assets | 85.0896% | 2,382 |
| Equity capital to assets | 10.9804% | 2,872 |
| Core capital (leverage) ratio | 11.3595% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0716% | 1,331 |
| Memoranda: | ||
| Average total assets | $180,288,000 | 3,042 |
| Average earning assets | $169,739,500 | 3,027 |
| Average equity | $20,428,500 | 3,127 |
| Average total loans | $118,240,000 | 2,976 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 3,399 |
| Cost of funding earning assets | 1.0161% | 1,656 |
| Net interest margin | 3.3315% | 3,911 |
| Noninterest income to average assets | 0.2362% | 4,263 |
| Noninterest expense to average assets | 2.4793% | 3,504 |
| Loan and lease loss provision to assets | 0.2014% | 1,012 |
| Net operating income to assets | 0.5955% | 4,173 |
| Return on assets (ROA) | 0.5945% | 4,232 |
| Pretax return on assets | 0.7171% | 4,169 |
| Return on Equity (ROE) | 5.1382% | 4,172 |
| Retained earnings to average equity (ytd only) | 1.5993% | 4,164 |
| Net charge-offs to loans | 0.1349% | 1,431 |
| Credit loss provision to net charge-offs | 219.6319% | 1,206 |
| Earnings coverage of net charge-offs (x) | 10.0307% | 2,605 |
| Efficiency ratio | 72.9439% | 1,745 |
| Assets per employee ($millions) | 4.6210% | 3,061 |
| Cash dividends to net income (ytd only)* | 68.8742% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,370 |
| Loan loss allowance to noncurrent loans | 520.2206% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,735 |
| Noncurrent loans to loans | 0.2328% | 3,616 |
| Net loans and leases to total assets | 64.0454% | 3,194 |
| Net loans and leases to deposits | 73.3029% | 3,410 |
| Net loans and leases to core deposits | 80.7282% | 3,237 |
| Total domestic deposits to total assets | 87.3709% | 1,422 |
| Equity capital to assets | 11.6819% | 2,367 |
| Core capital (leverage) ratio | 11.4980% | 2,111 |
| Tier 1 risk-based capital ratio | 16.9037% | 2,079 |
| Total risk-based capital ratio | 18.0637% | 2,055 |
| Memoranda: | ||
| Average total assets | $177,790,200 | 3,043 |
| Average earning assets | $168,781,800 | 3,006 |
| Average equity | $20,571,600 | 3,081 |
| Average total loans | $120,807,400 | 2,935 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 3,456 |
| Cost of funding earning assets | 1.0114% | 1,712 |
| Net interest margin | 3.3549% | 3,975 |
| Noninterest income to average assets | 0.2476% | 4,257 |
| Noninterest expense to average assets | 2.4479% | 3,574 |
| Loan and lease loss provision to assets | 0.2355% | 713 |
| Net operating income to assets | 0.6801% | 4,076 |
| Return on assets (ROA) | 0.6788% | 4,146 |
| Pretax return on assets | 0.7502% | 4,241 |
| Return on Equity (ROE) | 5.8805% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.6143% | 4,041 |
| Net charge-offs to loans | 0.1456% | 1,113 |
| Credit loss provision to net charge-offs | 235.3383% | 1,147 |
| Earnings coverage of net charge-offs (x) | 9.8646% | 2,543 |
| Efficiency ratio | 71.2596% | 1,930 |
| Assets per employee ($millions) | 4.6264% | 3,007 |
| Cash dividends to net income (ytd only)* | 55.5428% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,745 |
| Loan loss allowance to noncurrent loans | 939.5973% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,143 |
| Noncurrent loans to loans | 0.1230% | 4,102 |
| Net loans and leases to total assets | 66.3556% | 3,007 |
| Net loans and leases to deposits | 75.9559% | 3,297 |
| Net loans and leases to core deposits | 84.2907% | 3,069 |
| Total domestic deposits to total assets | 87.3606% | 1,340 |
| Equity capital to assets | 11.7315% | 2,478 |
| Core capital (leverage) ratio | 11.6154% | 2,133 |
| Tier 1 risk-based capital ratio | 16.6777% | 2,196 |
| Total risk-based capital ratio | 17.8060% | 2,179 |
| Memoranda: | ||
| Average total assets | $177,183,000 | 3,079 |
| Average earning assets | $168,347,500 | 3,035 |
| Average equity | $20,451,250 | 3,115 |
| Average total loans | $121,800,000 | 2,956 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 3,475 |
| Cost of funding earning assets | 0.9868% | 1,755 |
| Net interest margin | 3.3682% | 3,993 |
| Noninterest income to average assets | 0.2442% | 4,292 |
| Noninterest expense to average assets | 2.4191% | 3,689 |
| Loan and lease loss provision to assets | 0.2782% | 527 |
| Net operating income to assets | 0.6580% | 4,137 |
| Return on assets (ROA) | 0.6610% | 4,182 |
| Pretax return on assets | 0.7484% | 4,220 |
| Return on Equity (ROE) | 5.7588% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.6227% | 4,237 |
| Net charge-offs to loans | 0.2000% | 821 |
| Credit loss provision to net charge-offs | 200.8197% | 1,194 |
| Earnings coverage of net charge-offs (x) | 7.3852% | 2,493 |
| Efficiency ratio | 70.2738% | 2,177 |
| Assets per employee ($millions) | 4.6508% | 2,934 |
| Cash dividends to net income (ytd only)* | 71.8213% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,086 |
| Loan loss allowance to noncurrent loans | 315.2582% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,606 |
| Noncurrent loans to loans | 0.3480% | 3,304 |
| Net loans and leases to total assets | 68.4983% | 2,752 |
| Net loans and leases to deposits | 78.6636% | 3,096 |
| Net loans and leases to core deposits | 87.6558% | 2,835 |
| Total domestic deposits to total assets | 87.0775% | 1,562 |
| Equity capital to assets | 11.7711% | 2,365 |
| Core capital (leverage) ratio | 11.6878% | 2,027 |
| Tier 1 risk-based capital ratio | 16.4370% | 2,265 |
| Total risk-based capital ratio | 17.5162% | 2,255 |
| Memoranda: | ||
| Average total assets | $176,101,330 | 3,101 |
| Average earning assets | $167,213,000 | 3,060 |
| Average equity | $20,212,670 | 3,130 |
| Average total loans | $122,025,330 | 2,959 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 3,527 |
| Cost of funding earning assets | 0.9373% | 1,853 |
| Net interest margin | 3.3729% | 3,970 |
| Noninterest income to average assets | 0.2435% | 4,263 |
| Noninterest expense to average assets | 2.3642% | 3,865 |
| Loan and lease loss provision to assets | 0.4050% | 281 |
| Net operating income to assets | 0.5271% | 4,440 |
| Return on assets (ROA) | 0.5325% | 4,453 |
| Pretax return on assets | 0.6826% | 4,342 |
| Return on Equity (ROE) | 4.6994% | 4,409 |
| Retained earnings to average equity (ytd only) | -2.0484% | 4,748 |
| Net charge-offs to loans | 0.3874% | 399 |
| Credit loss provision to net charge-offs | 150.8475% | 1,228 |
| Earnings coverage of net charge-offs (x) | 4.0254% | 2,354 |
| Efficiency ratio | 68.6262% | 2,548 |
| Assets per employee ($millions) | 4.7518% | 2,846 |
| Cash dividends to net income (ytd only)* | 143.5897% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,404 |
| Loan loss allowance to noncurrent loans | 152.9271% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,708 |
| Noncurrent loans to loans | 0.6867% | 2,302 |
| Net loans and leases to total assets | 68.5973% | 2,676 |
| Net loans and leases to deposits | 78.5219% | 3,004 |
| Net loans and leases to core deposits | 87.7497% | 2,714 |
| Total domestic deposits to total assets | 87.3606% | 1,633 |
| Equity capital to assets | 11.3903% | 2,495 |
| Core capital (leverage) ratio | 11.5574% | 2,098 |
| Tier 1 risk-based capital ratio | 15.5345% | 2,637 |
| Total risk-based capital ratio | 16.5194% | 2,672 |
| Memoranda: | ||
| Average total assets | $175,787,000 | 3,132 |
| Average earning assets | $166,857,000 | 3,092 |
| Average equity | $19,917,500 | 3,165 |
| Average total loans | $121,838,000 | 2,998 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 3,300 |
| Cost of funding earning assets | 0.7642% | 1,719 |
| Net interest margin | 3.4800% | 3,771 |
| Noninterest income to average assets | 0.2549% | 4,402 |
| Noninterest expense to average assets | 2.4841% | 3,655 |
| Loan and lease loss provision to assets | 0.1791% | 1,100 |
| Net operating income to assets | 0.7170% | 4,092 |
| Return on assets (ROA) | 0.7170% | 4,097 |
| Pretax return on assets | 0.8973% | 3,905 |
| Return on Equity (ROE) | 6.4251% | 4,027 |
| Retained earnings to average equity (ytd only) | 1.2197% | 4,643 |
| Net charge-offs to loans | 0.2344% | 829 |
| Credit loss provision to net charge-offs | 109.0909% | 2,353 |
| Earnings coverage of net charge-offs (x) | 6.5564% | 3,079 |
| Efficiency ratio | 69.7686% | 2,229 |
| Assets per employee ($millions) | 4.6252% | 2,989 |
| Cash dividends to net income (ytd only)* | 81.0158% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,674 |
| Loan loss allowance to noncurrent loans | 237.3541% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,408 |
| Noncurrent loans to loans | 0.4220% | 3,028 |
| Net loans and leases to total assets | 68.6006% | 2,790 |
| Net loans and leases to deposits | 78.3544% | 3,127 |
| Net loans and leases to core deposits | 86.6875% | 2,867 |
| Total domestic deposits to total assets | 87.5516% | 1,507 |
| Equity capital to assets | 11.2706% | 2,450 |
| Core capital (leverage) ratio | 11.6655% | 1,981 |
| Tier 1 risk-based capital ratio | 16.6106% | 2,202 |
| Total risk-based capital ratio | 17.6093% | 2,226 |
| Memoranda: | ||
| Average total assets | $167,505,800 | 3,195 |
| Average earning assets | $159,110,600 | 3,152 |
| Average equity | $18,692,400 | 3,216 |
| Average total loans | $117,307,600 | 3,025 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,340 |
| Cost of funding earning assets | 0.7353% | 1,649 |
| Net interest margin | 3.4609% | 3,831 |
| Noninterest income to average assets | 0.2716% | 4,337 |
| Noninterest expense to average assets | 2.4660% | 3,687 |
| Loan and lease loss provision to assets | 0.2055% | 827 |
| Net operating income to assets | 0.7084% | 4,199 |
| Return on assets (ROA) | 0.7084% | 4,209 |
| Pretax return on assets | 0.8889% | 4,061 |
| Return on Equity (ROE) | 6.3648% | 4,151 |
| Retained earnings to average equity (ytd only) | 0.9848% | 4,855 |
| Net charge-offs to loans | 0.1905% | 875 |
| Credit loss provision to net charge-offs | 153.6145% | 1,673 |
| Earnings coverage of net charge-offs (x) | 8.1806% | 2,738 |
| Efficiency ratio | 69.2621% | 2,315 |
| Assets per employee ($millions) | 4.3546% | 3,353 |
| Cash dividends to net income (ytd only)* | 84.5278% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,444 |
| Loan loss allowance to noncurrent loans | 78.4841% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 1,560 |
| Noncurrent loans to loans | 1.3428% | 1,241 |
| Net loans and leases to total assets | 69.2075% | 2,774 |
| Net loans and leases to deposits | 78.8417% | 3,163 |
| Net loans and leases to core deposits | 86.9536% | 2,922 |
| Total domestic deposits to total assets | 87.7802% | 1,343 |
| Equity capital to assets | 11.1508% | 2,516 |
| Core capital (leverage) ratio | 11.6039% | 2,083 |
| Tier 1 risk-based capital ratio | 15.5961% | 2,605 |
| Total risk-based capital ratio | 16.5958% | 2,645 |
| Memoranda: | ||
| Average total assets | $165,442,750 | 3,237 |
| Average earning assets | $157,220,000 | 3,195 |
| Average equity | $18,413,250 | 3,268 |
| Average total loans | $116,186,750 | 3,067 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 3,409 |
| Cost of funding earning assets | 0.6958% | 1,642 |
| Net interest margin | 3.4157% | 3,908 |
| Noninterest income to average assets | 0.2806% | 4,307 |
| Noninterest expense to average assets | 2.4168% | 3,850 |
| Loan and lease loss provision to assets | 0.2584% | 594 |
| Net operating income to assets | 0.6547% | 4,333 |
| Return on assets (ROA) | 0.6547% | 4,342 |
| Pretax return on assets | 0.8552% | 4,093 |
| Return on Equity (ROE) | 5.8860% | 4,279 |
| Retained earnings to average equity (ytd only) | -1.3941% | 5,106 |
| Net charge-offs to loans | 0.2870% | 558 |
| Credit loss provision to net charge-offs | 128.0488% | 1,734 |
| Earnings coverage of net charge-offs (x) | 5.5183% | 2,701 |
| Efficiency ratio | 68.4559% | 2,568 |
| Assets per employee ($millions) | 4.0377% | 3,835 |
| Cash dividends to net income (ytd only)* | 123.6842% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,498 |
| Loan loss allowance to noncurrent loans | 1,551.2500% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,795 |
| Noncurrent loans to loans | 0.0682% | 4,615 |
| Net loans and leases to total assets | 66.8938% | 3,027 |
| Net loans and leases to deposits | 77.2772% | 3,228 |
| Net loans and leases to core deposits | 84.3394% | 3,054 |
| Total domestic deposits to total assets | 86.5634% | 2,028 |
| Equity capital to assets | 11.1477% | 2,508 |
| Core capital (leverage) ratio | 11.6805% | 1,919 |
| Tier 1 risk-based capital ratio | 16.4832% | 2,260 |
| Total risk-based capital ratio | 17.5179% | 2,280 |
| Memoranda: | ||
| Average total assets | $162,528,670 | 3,290 |
| Average earning assets | $154,640,000 | 3,237 |
| Average equity | $18,076,670 | 3,321 |
| Average total loans | $114,304,670 | 3,102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,353 |
| Cost of funding earning assets | 0.6917% | 1,485 |
| Net interest margin | 3.3729% | 3,972 |
| Noninterest income to average assets | 0.2803% | 4,297 |
| Noninterest expense to average assets | 2.4054% | 3,928 |
| Loan and lease loss provision to assets | 0.4230% | 259 |
| Net operating income to assets | 0.4281% | 4,865 |
| Return on assets (ROA) | 0.4281% | 4,873 |
| Pretax return on assets | 0.6701% | 4,521 |
| Return on Equity (ROE) | 3.8538% | 4,802 |
| Retained earnings to average equity (ytd only) | -9.3133% | 5,350 |
| Net charge-offs to loans | 0.5711% | 259 |
| Credit loss provision to net charge-offs | 103.1056% | 1,512 |
| Earnings coverage of net charge-offs (x) | 2.6646% | 2,441 |
| Efficiency ratio | 68.7546% | 2,710 |
| Assets per employee ($millions) | 4.5816% | 3,028 |
| Cash dividends to net income (ytd only)* | 341.6667% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,486 |
| Loan loss allowance to noncurrent loans | 1,558.4416% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,852 |
| Noncurrent loans to loans | 0.0695% | 4,671 |
| Net loans and leases to total assets | 70.3078% | 2,426 |
| Net loans and leases to deposits | 80.2500% | 2,782 |
| Net loans and leases to core deposits | 88.2210% | 2,613 |
| Total domestic deposits to total assets | 87.6110% | 1,844 |
| Equity capital to assets | 10.8759% | 2,702 |
| Core capital (leverage) ratio | 11.2148% | 2,233 |
| Tier 1 risk-based capital ratio | 15.6935% | 2,594 |
| Total risk-based capital ratio | 16.7680% | 2,597 |
| Memoranda: | ||
| Average total assets | $156,981,500 | 3,396 |
| Average earning assets | $149,781,000 | 3,331 |
| Average equity | $17,437,500 | 3,424 |
| Average total loans | $112,765,000 | 3,150 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,238 |
| Cost of funding earning assets | 0.6708% | 1,179 |
| Net interest margin | 3.3820% | 3,902 |
| Noninterest income to average assets | 0.2970% | 4,322 |
| Noninterest expense to average assets | 2.2630% | 4,418 |
| Loan and lease loss provision to assets | 0.3864% | 385 |
| Net operating income to assets | 0.5555% | 4,210 |
| Return on assets (ROA) | 0.5870% | 4,107 |
| Pretax return on assets | 0.9108% | 3,883 |
| Return on Equity (ROE) | 5.1636% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.9554% | 3,533 |
| Net charge-offs to loans | 0.3111% | 820 |
| Credit loss provision to net charge-offs | 177.4194% | 1,524 |
| Earnings coverage of net charge-offs (x) | 5.7302% | 3,280 |
| Efficiency ratio | 64.4533% | 3,538 |
| Assets per employee ($millions) | 4.6526% | 2,948 |
| Cash dividends to net income (ytd only)* | 42.7639% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,680 |
| Loan loss allowance to noncurrent loans | 1,066.9643% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,766 |
| Noncurrent loans to loans | 0.0976% | 4,557 |
| Net loans and leases to total assets | 71.8215% | 2,263 |
| Net loans and leases to deposits | 82.5286% | 2,661 |
| Net loans and leases to core deposits | 90.6533% | 2,494 |
| Total domestic deposits to total assets | 87.0262% | 1,982 |
| Equity capital to assets | 11.3365% | 2,338 |
| Core capital (leverage) ratio | 11.3945% | 2,016 |
| Tier 1 risk-based capital ratio | 15.0828% | 2,809 |
| Total risk-based capital ratio | 16.0786% | 2,856 |
| Memoranda: | ||
| Average total assets | $156,559,200 | 3,394 |
| Average earning assets | $148,786,800 | 3,338 |
| Average equity | $17,797,800 | 3,394 |
| Average total loans | $109,619,800 | 3,192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,312 |
| Cost of funding earning assets | 0.6608% | 1,178 |
| Net interest margin | 3.3515% | 4,010 |
| Noninterest income to average assets | 0.2818% | 4,503 |
| Noninterest expense to average assets | 2.1876% | 4,553 |
| Loan and lease loss provision to assets | 0.4782% | 248 |
| Net operating income to assets | 0.5470% | 4,586 |
| Return on assets (ROA) | 0.5917% | 4,457 |
| Pretax return on assets | 0.8650% | 4,156 |
| Return on Equity (ROE) | 5.2014% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.8053% | 3,656 |
| Net charge-offs to loans | 0.4111% | 510 |
| Credit loss provision to net charge-offs | 167.6647% | 1,547 |
| Earnings coverage of net charge-offs (x) | 4.4791% | 3,217 |
| Efficiency ratio | 63.1345% | 3,688 |
| Assets per employee ($millions) | 4.7315% | 2,792 |
| Cash dividends to net income (ytd only)* | 26.8393% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,958 |
| Loan loss allowance to noncurrent loans | 1,257.6087% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 4,950 |
| Noncurrent loans to loans | 0.0811% | 4,746 |
| Net loans and leases to total assets | 69.8228% | 2,588 |
| Net loans and leases to deposits | 80.1776% | 2,957 |
| Net loans and leases to core deposits | 87.4702% | 2,828 |
| Total domestic deposits to total assets | 87.0852% | 1,836 |
| Equity capital to assets | 11.2861% | 2,581 |
| Core capital (leverage) ratio | 11.4471% | 2,058 |
| Tier 1 risk-based capital ratio | 15.0467% | 2,894 |
| Total risk-based capital ratio | 16.0096% | 2,964 |
| Memoranda: | ||
| Average total assets | $156,152,000 | 3,427 |
| Average earning assets | $148,308,250 | 3,376 |
| Average equity | $17,764,000 | 3,430 |
| Average total loans | $108,322,750 | 3,233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 3,287 |
| Cost of funding earning assets | 0.6441% | 1,179 |
| Net interest margin | 3.3349% | 3,999 |
| Noninterest income to average assets | 0.2806% | 4,548 |
| Noninterest expense to average assets | 2.0974% | 4,777 |
| Loan and lease loss provision to assets | 0.3362% | 437 |
| Net operating income to assets | 0.6842% | 3,916 |
| Return on assets (ROA) | 0.7500% | 3,694 |
| Pretax return on assets | 1.1121% | 3,127 |
| Return on Equity (ROE) | 6.5469% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.1472% | 2,611 |
| Net charge-offs to loans | 0.6154% | 323 |
| Credit loss provision to net charge-offs | 79.2683% | 2,272 |
| Earnings coverage of net charge-offs (x) | 3.1829% | 3,080 |
| Efficiency ratio | 60.8402% | 4,191 |
| Assets per employee ($millions) | 5.0617% | 2,319 |
| Cash dividends to net income (ytd only)* | 21.3793% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7891% | 4,977 |
| Loan loss allowance to noncurrent loans | 571.5232% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,797 |
| Noncurrent loans to loans | 0.1381% | 4,561 |
| Net loans and leases to total assets | 71.4485% | 2,291 |
| Net loans and leases to deposits | 82.7797% | 2,621 |
| Net loans and leases to core deposits | 94.1846% | 2,136 |
| Total domestic deposits to total assets | 86.3117% | 2,237 |
| Equity capital to assets | 11.9419% | 1,970 |
| Core capital (leverage) ratio | 11.8510% | 1,729 |
| Tier 1 risk-based capital ratio | 15.6930% | 2,621 |
| Total risk-based capital ratio | 16.4441% | 2,780 |
| Memoranda: | ||
| Average total assets | $154,664,330 | 3,459 |
| Average earning assets | $146,870,330 | 3,403 |
| Average equity | $17,718,330 | 3,445 |
| Average total loans | $106,603,330 | 3,275 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,286 |
| Cost of funding earning assets | 0.6499% | 1,078 |
| Net interest margin | 3.2792% | 4,085 |
| Noninterest income to average assets | 0.2665% | 4,637 |
| Noninterest expense to average assets | 2.0401% | 4,957 |
| Loan and lease loss provision to assets | 0.1153% | 1,662 |
| Net operating income to assets | 0.8948% | 2,790 |
| Return on assets (ROA) | 0.9995% | 2,354 |
| Pretax return on assets | 1.3712% | 1,982 |
| Return on Equity (ROE) | 8.9089% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.4926% | 1,656 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3030% | 4,418 |
| Assets per employee ($millions) | 6.2220% | 1,357 |
| Cash dividends to net income (ytd only)* | 15.8974% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,622 |
| Loan loss allowance to noncurrent loans | 539.2265% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,801 |
| Noncurrent loans to loans | 0.1732% | 4,499 |
| Net loans and leases to total assets | 66.5557% | 2,890 |
| Net loans and leases to deposits | 76.5010% | 3,136 |
| Net loans and leases to core deposits | 85.9631% | 2,715 |
| Total domestic deposits to total assets | 86.9998% | 2,212 |
| Equity capital to assets | 11.3731% | 2,284 |
| Core capital (leverage) ratio | 11.4982% | 1,951 |
| Tier 1 risk-based capital ratio | 15.9687% | 2,559 |
| Total risk-based capital ratio | 16.8393% | 2,653 |
| Memoranda: | ||
| Average total assets | $156,070,500 | 3,474 |
| Average earning assets | $148,330,500 | 3,420 |
| Average equity | $17,510,500 | 3,484 |
| Average total loans | $105,225,500 | 3,313 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,166 |
| Cost of funding earning assets | 0.6574% | 1,017 |
| Net interest margin | 3.3512% | 3,994 |
| Noninterest income to average assets | 0.2867% | 4,693 |
| Noninterest expense to average assets | 2.0700% | 5,051 |
| Loan and lease loss provision to assets | 0.1156% | 2,140 |
| Net operating income to assets | 0.9229% | 2,710 |
| Return on assets (ROA) | 0.9505% | 2,690 |
| Pretax return on assets | 1.3144% | 2,235 |
| Return on Equity (ROE) | 8.2293% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.9761% | 1,716 |
| Net charge-offs to loans | 0.1737% | 1,576 |
| Credit loss provision to net charge-offs | 97.7654% | 2,649 |
| Earnings coverage of net charge-offs (x) | 11.7709% | 2,510 |
| Efficiency ratio | 59.7977% | 4,615 |
| Assets per employee ($millions) | 6.2636% | 1,285 |
| Cash dividends to net income (ytd only)* | 27.3801% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,862 |
| Loan loss allowance to noncurrent loans | 1,454.6875% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 5,191 |
| Noncurrent loans to loans | 0.0604% | 5,000 |
| Net loans and leases to total assets | 67.0643% | 2,918 |
| Net loans and leases to deposits | 77.2387% | 3,184 |
| Net loans and leases to core deposits | 88.5867% | 2,620 |
| Total domestic deposits to total assets | 86.8274% | 2,232 |
| Equity capital to assets | 11.0671% | 2,568 |
| Core capital (leverage) ratio | 11.1416% | 2,214 |
| Tier 1 risk-based capital ratio | 15.5500% | 2,725 |
| Total risk-based capital ratio | 16.3738% | 2,844 |
| Memoranda: | ||
| Average total assets | $151,397,800 | 3,501 |
| Average earning assets | $143,439,200 | 3,456 |
| Average equity | $17,486,200 | 3,490 |
| Average total loans | $103,034,000 | 3,329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,265 |
| Cost of funding earning assets | 0.6488% | 1,065 |
| Net interest margin | 3.3404% | 4,057 |
| Noninterest income to average assets | 0.2914% | 4,684 |
| Noninterest expense to average assets | 2.0875% | 5,026 |
| Loan and lease loss provision to assets | 0.1554% | 1,498 |
| Net operating income to assets | 0.8478% | 3,165 |
| Return on assets (ROA) | 0.8838% | 3,117 |
| Pretax return on assets | 1.2649% | 2,555 |
| Return on Equity (ROE) | 7.5698% | 3,256 |
| Retained earnings to average equity (ytd only) | 6.1548% | 2,087 |
| Net charge-offs to loans | 0.2294% | 1,027 |
| Credit loss provision to net charge-offs | 99.4318% | 2,391 |
| Earnings coverage of net charge-offs (x) | 8.7557% | 2,736 |
| Efficiency ratio | 60.3958% | 4,481 |
| Assets per employee ($millions) | 6.3036% | 1,232 |
| Cash dividends to net income (ytd only)* | 18.6932% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,944 |
| Loan loss allowance to noncurrent loans | 93,400.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,258 |
| Noncurrent loans to loans | 0.0009% | 5,424 |
| Net loans and leases to total assets | 66.9359% | 2,966 |
| Net loans and leases to deposits | 78.1139% | 3,174 |
| Net loans and leases to core deposits | 90.7390% | 2,506 |
| Total domestic deposits to total assets | 85.6902% | 2,517 |
| Equity capital to assets | 11.3883% | 2,614 |
| Core capital (leverage) ratio | 11.5144% | 2,021 |
| Tier 1 risk-based capital ratio | 15.2925% | 2,921 |
| Total risk-based capital ratio | 16.1164% | 3,046 |
| Memoranda: | ||
| Average total assets | $150,099,750 | 3,536 |
| Average earning assets | $142,215,000 | 3,488 |
| Average equity | $17,525,250 | 3,507 |
| Average total loans | $102,305,750 | 3,354 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,230 |
| Cost of funding earning assets | 0.6529% | 1,043 |
| Net interest margin | 3.3516% | 4,051 |
| Noninterest income to average assets | 0.3089% | 4,571 |
| Noninterest expense to average assets | 1.9796% | 5,310 |
| Loan and lease loss provision to assets | 0.2032% | 1,053 |
| Net operating income to assets | 0.9635% | 2,557 |
| Return on assets (ROA) | 1.0217% | 2,427 |
| Pretax return on assets | 1.3767% | 2,110 |
| Return on Equity (ROE) | 8.6743% | 2,650 |
| Retained earnings to average equity (ytd only) | 7.4779% | 1,394 |
| Net charge-offs to loans | 0.3448% | 680 |
| Credit loss provision to net charge-offs | 86.2069% | 2,292 |
| Earnings coverage of net charge-offs (x) | 6.3678% | 2,750 |
| Efficiency ratio | 56.8704% | 5,045 |
| Assets per employee ($millions) | 6.3352% | 1,175 |
| Cash dividends to net income (ytd only)* | 13.7931% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 5,067 |
| Loan loss allowance to noncurrent loans | 637.0629% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 3,914 |
| Noncurrent loans to loans | 0.1362% | 4,895 |
| Net loans and leases to total assets | 68.4348% | 2,719 |
| Net loans and leases to deposits | 81.2638% | 2,786 |
| Net loans and leases to core deposits | 96.8331% | 1,907 |
| Total domestic deposits to total assets | 84.2131% | 3,189 |
| Equity capital to assets | 11.7348% | 2,321 |
| Core capital (leverage) ratio | 11.6372% | 1,881 |
| Tier 1 risk-based capital ratio | 15.3225% | 2,930 |
| Total risk-based capital ratio | 16.1351% | 3,064 |
| Memoranda: | ||
| Average total assets | $147,602,670 | 3,593 |
| Average earning assets | $139,694,000 | 3,542 |
| Average equity | $17,384,670 | 3,527 |
| Average total loans | $100,934,670 | 3,390 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,242 |
| Cost of funding earning assets | 0.6489% | 1,061 |
| Net interest margin | 3.3462% | 4,059 |
| Noninterest income to average assets | 0.5063% | 3,071 |
| Noninterest expense to average assets | 2.0085% | 5,315 |
| Loan and lease loss provision to assets | 0.2064% | 945 |
| Net operating income to assets | 1.1262% | 1,809 |
| Return on assets (ROA) | 1.2491% | 1,508 |
| Pretax return on assets | 1.6151% | 1,257 |
| Return on Equity (ROE) | 10.5852% | 1,750 |
| Retained earnings to average equity (ytd only) | 9.6293% | 948 |
| Net charge-offs to loans | 0.0162% | 2,611 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 396 |
| Efficiency ratio | 54.7226% | 5,311 |
| Assets per employee ($millions) | 6.2235% | 1,261 |
| Cash dividends to net income (ytd only)* | 9.0308% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 4,526 |
| Loan loss allowance to noncurrent loans | 1,273.4177% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 3,648 |
| Noncurrent loans to loans | 0.0796% | 5,157 |
| Net loans and leases to total assets | 65.7383% | 2,989 |
| Net loans and leases to deposits | 78.2004% | 2,987 |
| Net loans and leases to core deposits | 91.1987% | 2,257 |
| Total domestic deposits to total assets | 84.0639% | 3,493 |
| Equity capital to assets | 11.6433% | 2,294 |
| Core capital (leverage) ratio | 11.7084% | 1,820 |
| Tier 1 risk-based capital ratio | 15.6702% | 2,836 |
| Total risk-based capital ratio | 16.6007% | 2,936 |
| Memoranda: | ||
| Average total assets | $145,382,000 | 3,646 |
| Average earning assets | $137,469,000 | 3,592 |
| Average equity | $17,156,000 | 3,559 |
| Average total loans | $98,921,000 | 3,441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 2,952 |
| Cost of funding earning assets | 0.5813% | 1,487 |
| Net interest margin | 3.5110% | 3,483 |
| Noninterest income to average assets | 0.3034% | 4,712 |
| Noninterest expense to average assets | 1.9858% | 5,481 |
| Loan and lease loss provision to assets | 0.2304% | 863 |
| Net operating income to assets | 1.0284% | 2,214 |
| Return on assets (ROA) | 1.0963% | 2,013 |
| Pretax return on assets | 1.4999% | 1,555 |
| Return on Equity (ROE) | 9.3404% | 2,300 |
| Retained earnings to average equity (ytd only) | 6.9383% | 1,309 |
| Net charge-offs to loans | 0.3331% | 892 |
| Credit loss provision to net charge-offs | 102.2222% | 2,451 |
| Earnings coverage of net charge-offs (x) | 7.2635% | 3,098 |
| Efficiency ratio | 54.8094% | 5,461 |
| Assets per employee ($millions) | 5.8916% | 1,475 |
| Cash dividends to net income (ytd only)* | 25.7180% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 3,766 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.1030% | 2,519 |
| Net loans and leases to deposits | 82.5464% | 2,528 |
| Net loans and leases to core deposits | 97.1524% | 1,745 |
| Total domestic deposits to total assets | 83.7142% | 3,586 |
| Equity capital to assets | 11.9668% | 1,977 |
| Core capital (leverage) ratio | 11.8159% | 1,746 |
| Tier 1 risk-based capital ratio | 16.0067% | 2,685 |
| Total risk-based capital ratio | 16.9122% | 2,783 |
| Memoranda: | ||
| Average total assets | $139,740,600 | 3,722 |
| Average earning assets | $132,127,200 | 3,659 |
| Average equity | $16,401,800 | 3,617 |
| Average total loans | $94,576,400 | 3,489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,073 |
| Cost of funding earning assets | 0.5776% | 1,564 |
| Net interest margin | 3.4898% | 3,578 |
| Noninterest income to average assets | 0.2986% | 4,799 |
| Noninterest expense to average assets | 1.9273% | 5,598 |
| Loan and lease loss provision to assets | 0.2364% | 755 |
| Net operating income to assets | 1.0473% | 2,228 |
| Return on assets (ROA) | 1.0871% | 2,149 |
| Pretax return on assets | 1.4909% | 1,706 |
| Return on Equity (ROE) | 9.3082% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.7842% | 1,338 |
| Net charge-offs to loans | 0.4104% | 623 |
| Credit loss provision to net charge-offs | 85.7639% | 2,526 |
| Earnings coverage of net charge-offs (x) | 6.0695% | 3,110 |
| Efficiency ratio | 53.5354% | 5,553 |
| Assets per employee ($millions) | 5.8953% | 1,445 |
| Cash dividends to net income (ytd only)* | 16.3730% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 5,136 |
| Loan loss allowance to noncurrent loans | 1,928.2609% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,849 |
| Noncurrent loans to loans | 0.0476% | 5,429 |
| Net loans and leases to total assets | 67.6868% | 2,737 |
| Net loans and leases to deposits | 79.3366% | 2,954 |
| Net loans and leases to core deposits | 90.5933% | 2,404 |
| Total domestic deposits to total assets | 85.3160% | 2,880 |
| Equity capital to assets | 11.7481% | 2,306 |
| Core capital (leverage) ratio | 11.5573% | 1,993 |
| Tier 1 risk-based capital ratio | 15.8761% | 2,852 |
| Total risk-based capital ratio | 16.7379% | 2,984 |
| Memoranda: | ||
| Average total assets | $139,326,000 | 3,765 |
| Average earning assets | $131,808,000 | 3,700 |
| Average equity | $16,272,000 | 3,661 |
| Average total loans | $93,559,000 | 3,544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,249 |
| Cost of funding earning assets | 0.5652% | 1,683 |
| Net interest margin | 3.4444% | 3,740 |
| Noninterest income to average assets | 0.3131% | 4,714 |
| Noninterest expense to average assets | 1.9335% | 5,658 |
| Loan and lease loss provision to assets | 0.1400% | 1,554 |
| Net operating income to assets | 1.0937% | 1,974 |
| Return on assets (ROA) | 1.1168% | 1,973 |
| Pretax return on assets | 1.5338% | 1,543 |
| Return on Equity (ROE) | 9.5820% | 2,264 |
| Retained earnings to average equity (ytd only) | 8.2945% | 1,148 |
| Net charge-offs to loans | 0.3156% | 837 |
| Credit loss provision to net charge-offs | 66.4384% | 2,520 |
| Earnings coverage of net charge-offs (x) | 7.7945% | 2,631 |
| Efficiency ratio | 54.0759% | 5,581 |
| Assets per employee ($millions) | 5.9219% | 1,419 |
| Cash dividends to net income (ytd only)* | 13.4367% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 5,110 |
| Loan loss allowance to noncurrent loans | 390.6667% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,145 |
| Noncurrent loans to loans | 0.2423% | 4,790 |
| Net loans and leases to total assets | 64.7179% | 3,164 |
| Net loans and leases to deposits | 75.6697% | 3,303 |
| Net loans and leases to core deposits | 85.6482% | 2,803 |
| Total domestic deposits to total assets | 85.5269% | 2,907 |
| Equity capital to assets | 11.4532% | 2,456 |
| Core capital (leverage) ratio | 11.5552% | 1,957 |
| Tier 1 risk-based capital ratio | 16.0562% | 2,827 |
| Total risk-based capital ratio | 16.9349% | 2,957 |
| Memoranda: | ||
| Average total assets | $138,605,670 | 3,804 |
| Average earning assets | $131,283,670 | 3,735 |
| Average equity | $16,155,330 | 3,700 |
| Average total loans | $92,527,000 | 3,588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,171 |
| Cost of funding earning assets | 0.5612% | 1,741 |
| Net interest margin | 3.4563% | 3,605 |
| Noninterest income to average assets | 0.2894% | 4,858 |
| Noninterest expense to average assets | 1.8503% | 5,821 |
| Loan and lease loss provision to assets | 0.1812% | 1,058 |
| Net operating income to assets | 1.1312% | 1,753 |
| Return on assets (ROA) | 1.1312% | 1,859 |
| Pretax return on assets | 1.5346% | 1,444 |
| Return on Equity (ROE) | 9.6185% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.5995% | 1,344 |
| Net charge-offs to loans | 0.0476% | 2,318 |
| Credit loss provision to net charge-offs | 563.6364% | 494 |
| Earnings coverage of net charge-offs (x) | 53.3636% | 797 |
| Efficiency ratio | 51.8852% | 5,816 |
| Assets per employee ($millions) | 5.6962% | 1,630 |
| Cash dividends to net income (ytd only)* | 10.5943% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 4,650 |
| Loan loss allowance to noncurrent loans | 178.9762% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,345 |
| Noncurrent loans to loans | 0.5992% | 3,779 |
| Net loans and leases to total assets | 66.0644% | 2,753 |
| Net loans and leases to deposits | 76.5331% | 2,989 |
| Net loans and leases to core deposits | 82.3608% | 2,927 |
| Total domestic deposits to total assets | 86.3213% | 2,755 |
| Equity capital to assets | 11.9261% | 2,081 |
| Core capital (leverage) ratio | 11.5655% | 1,952 |
| Tier 1 risk-based capital ratio | 16.2056% | 2,820 |
| Total risk-based capital ratio | 17.2139% | 2,876 |
| Memoranda: | ||
| Average total assets | $136,845,500 | 3,864 |
| Average earning assets | $129,732,500 | 3,791 |
| Average equity | $16,094,000 | 3,735 |
| Average total loans | $92,360,500 | 3,605 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 3,096 |
| Cost of funding earning assets | 0.5638% | 2,106 |
| Net interest margin | 3.5930% | 3,437 |
| Noninterest income to average assets | 0.3301% | 4,753 |
| Noninterest expense to average assets | 2.0273% | 5,718 |
| Loan and lease loss provision to assets | 0.1108% | 2,315 |
| Net operating income to assets | 1.1477% | 1,782 |
| Return on assets (ROA) | 1.1612% | 1,789 |
| Pretax return on assets | 1.5887% | 1,271 |
| Return on Equity (ROE) | 10.4168% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.7959% | 1,095 |
| Net charge-offs to loans | 0.2635% | 1,640 |
| Credit loss provision to net charge-offs | 63.4043% | 3,223 |
| Earnings coverage of net charge-offs (x) | 9.6213% | 2,721 |
| Efficiency ratio | 54.6712% | 5,790 |
| Assets per employee ($millions) | 5.7076% | 1,601 |
| Cash dividends to net income (ytd only)* | 25.1601% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 5,096 |
| Loan loss allowance to noncurrent loans | 156.2290% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 4,293 |
| Noncurrent loans to loans | 0.6358% | 3,779 |
| Net loans and leases to total assets | 67.5257% | 2,637 |
| Net loans and leases to deposits | 78.9468% | 2,842 |
| Net loans and leases to core deposits | 83.1405% | 2,978 |
| Total domestic deposits to total assets | 85.5331% | 3,059 |
| Equity capital to assets | 11.5957% | 2,349 |
| Core capital (leverage) ratio | 11.2629% | 2,167 |
| Tier 1 risk-based capital ratio | 15.9196% | 3,005 |
| Total risk-based capital ratio | 16.8796% | 3,103 |
| Memoranda: | ||
| Average total assets | $134,513,400 | 3,894 |
| Average earning assets | $126,468,600 | 3,835 |
| Average equity | $14,995,000 | 3,838 |
| Average total loans | $89,179,800 | 3,650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,167 |
| Cost of funding earning assets | 0.5630% | 2,167 |
| Net interest margin | 3.5872% | 3,482 |
| Noninterest income to average assets | 0.3276% | 4,814 |
| Noninterest expense to average assets | 2.0344% | 5,711 |
| Loan and lease loss provision to assets | 0.1185% | 2,092 |
| Net operating income to assets | 1.1593% | 1,827 |
| Return on assets (ROA) | 1.1780% | 1,828 |
| Pretax return on assets | 1.5683% | 1,427 |
| Return on Equity (ROE) | 10.6770% | 1,912 |
| Retained earnings to average equity (ytd only) | 8.9983% | 1,005 |
| Net charge-offs to loans | 0.2164% | 1,741 |
| Credit loss provision to net charge-offs | 83.2168% | 2,539 |
| Earnings coverage of net charge-offs (x) | 11.6715% | 2,395 |
| Efficiency ratio | 55.0377% | 5,741 |
| Assets per employee ($millions) | 5.7176% | 1,548 |
| Cash dividends to net income (ytd only)* | 15.7225% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,787 |
| Loan loss allowance to noncurrent loans | 119.7098% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 4,034 |
| Noncurrent loans to loans | 0.9116% | 3,281 |
| Net loans and leases to total assets | 65.3928% | 2,969 |
| Net loans and leases to deposits | 75.2184% | 3,281 |
| Net loans and leases to core deposits | 79.1521% | 3,419 |
| Total domestic deposits to total assets | 86.9373% | 2,353 |
| Equity capital to assets | 11.3305% | 2,645 |
| Core capital (leverage) ratio | 11.3013% | 2,214 |
| Tier 1 risk-based capital ratio | 16.0110% | 3,051 |
| Total risk-based capital ratio | 17.0526% | 3,104 |
| Memoranda: | ||
| Average total assets | $133,896,250 | 3,941 |
| Average earning assets | $125,741,750 | 3,885 |
| Average equity | $14,772,750 | 3,900 |
| Average total loans | $88,118,250 | 3,702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,129 |
| Cost of funding earning assets | 0.5628% | 2,236 |
| Net interest margin | 3.5918% | 3,391 |
| Noninterest income to average assets | 0.2877% | 5,125 |
| Noninterest expense to average assets | 2.0032% | 5,837 |
| Loan and lease loss provision to assets | 0.1340% | 1,843 |
| Net operating income to assets | 1.1439% | 1,775 |
| Return on assets (ROA) | 1.1643% | 1,778 |
| Pretax return on assets | 1.5514% | 1,391 |
| Return on Equity (ROE) | 10.6515% | 1,866 |
| Retained earnings to average equity (ytd only) | 9.2323% | 905 |
| Net charge-offs to loans | 0.2567% | 1,526 |
| Credit loss provision to net charge-offs | 79.4643% | 2,340 |
| Earnings coverage of net charge-offs (x) | 9.8304% | 2,311 |
| Efficiency ratio | 54.7100% | 5,853 |
| Assets per employee ($millions) | 5.6398% | 1,574 |
| Cash dividends to net income (ytd only)* | 13.3247% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 4,855 |
| Loan loss allowance to noncurrent loans | 305.8642% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 5,380 |
| Noncurrent loans to loans | 0.3634% | 4,903 |
| Net loans and leases to total assets | 65.1295% | 2,891 |
| Net loans and leases to deposits | 75.3799% | 3,142 |
| Net loans and leases to core deposits | 78.8868% | 3,331 |
| Total domestic deposits to total assets | 86.4017% | 2,819 |
| Equity capital to assets | 11.1795% | 2,715 |
| Core capital (leverage) ratio | 11.1273% | 2,309 |
| Tier 1 risk-based capital ratio | 15.9260% | 3,135 |
| Total risk-based capital ratio | 16.9859% | 3,169 |
| Memoranda: | ||
| Average total assets | $132,787,330 | 3,981 |
| Average earning assets | $124,730,000 | 3,916 |
| Average equity | $14,514,330 | 3,941 |
| Average total loans | $87,249,670 | 3,735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,984 |
| Cost of funding earning assets | 0.5767% | 2,184 |
| Net interest margin | 3.5932% | 3,273 |
| Noninterest income to average assets | 0.2768% | 5,155 |
| Noninterest expense to average assets | 1.9832% | 5,915 |
| Loan and lease loss provision to assets | 0.1278% | 1,904 |
| Net operating income to assets | 1.1650% | 1,580 |
| Return on assets (ROA) | 1.1650% | 1,651 |
| Pretax return on assets | 1.5391% | 1,311 |
| Return on Equity (ROE) | 10.7846% | 1,766 |
| Retained earnings to average equity (ytd only) | 9.6301% | 1,069 |
| Net charge-offs to loans | 0.2920% | 1,188 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.6984% | 1,997 |
| Efficiency ratio | 54.3333% | 5,987 |
| Assets per employee ($millions) | 5.5982% | 1,617 |
| Cash dividends to net income (ytd only)* | 10.7050% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 4,838 |
| Loan loss allowance to noncurrent loans | 551.6667% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 5,621 |
| Noncurrent loans to loans | 0.2096% | 5,465 |
| Net loans and leases to total assets | 63.1941% | 3,035 |
| Net loans and leases to deposits | 72.3612% | 3,289 |
| Net loans and leases to core deposits | 75.9124% | 3,420 |
| Total domestic deposits to total assets | 87.3314% | 2,615 |
| Equity capital to assets | 10.7952% | 2,944 |
| Core capital (leverage) ratio | 10.8765% | 2,513 |
| Tier 1 risk-based capital ratio | 15.7207% | 3,317 |
| Total risk-based capital ratio | 16.7926% | 3,380 |
| Memoranda: | ||
| Average total assets | $131,503,500 | 4,043 |
| Average earning assets | $123,455,000 | 3,976 |
| Average equity | $14,205,500 | 4,009 |
| Average total loans | $86,301,000 | 3,792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2882% | 3,008 |
| Cost of funding earning assets | 0.6436% | 2,258 |
| Net interest margin | 3.6446% | 3,265 |
| Noninterest income to average assets | 0.2547% | 5,527 |
| Noninterest expense to average assets | 1.9950% | 6,033 |
| Loan and lease loss provision to assets | 0.2641% | 1,343 |
| Net operating income to assets | 1.0352% | 2,183 |
| Return on assets (ROA) | 1.1194% | 1,935 |
| Pretax return on assets | 1.5385% | 1,330 |
| Return on Equity (ROE) | 10.2555% | 2,007 |
| Retained earnings to average equity (ytd only) | 7.6649% | 1,166 |
| Net charge-offs to loans | 0.1515% | 3,287 |
| Credit loss provision to net charge-offs | 277.8689% | 818 |
| Earnings coverage of net charge-offs (x) | 17.7541% | 1,700 |
| Efficiency ratio | 54.1781% | 6,120 |
| Assets per employee ($millions) | 5.3605% | 1,788 |
| Cash dividends to net income (ytd only)* | 25.2610% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 4,816 |
| Loan loss allowance to noncurrent loans | 442.7948% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 5,781 |
| Noncurrent loans to loans | 0.2641% | 5,392 |
| Net loans and leases to total assets | 66.6066% | 2,593 |
| Net loans and leases to deposits | 76.7343% | 2,891 |
| Net loans and leases to core deposits | 79.5392% | 3,186 |
| Total domestic deposits to total assets | 86.8015% | 2,829 |
| Equity capital to assets | 10.8099% | 2,806 |
| Core capital (leverage) ratio | 10.8270% | 2,548 |
| Tier 1 risk-based capital ratio | 15.4998% | 3,373 |
| Total risk-based capital ratio | 16.6049% | 3,403 |
| Memoranda: | ||
| Average total assets | $128,372,200 | 4,101 |
| Average earning assets | $120,727,600 | 4,031 |
| Average equity | $14,012,000 | 4,069 |
| Average total loans | $80,519,200 | 3,928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 3,213 |
| Cost of funding earning assets | 0.6587% | 2,285 |
| Net interest margin | 3.5893% | 3,495 |
| Noninterest income to average assets | 0.2546% | 5,618 |
| Noninterest expense to average assets | 1.9755% | 6,055 |
| Loan and lease loss provision to assets | 0.3086% | 1,098 |
| Net operating income to assets | 1.0452% | 2,202 |
| Return on assets (ROA) | 1.0724% | 2,192 |
| Pretax return on assets | 1.3863% | 1,976 |
| Return on Equity (ROE) | 9.8016% | 2,259 |
| Retained earnings to average equity (ytd only) | 8.0350% | 1,398 |
| Net charge-offs to loans | 0.1773% | 2,803 |
| Credit loss provision to net charge-offs | 282.8571% | 898 |
| Earnings coverage of net charge-offs (x) | 15.2091% | 1,883 |
| Efficiency ratio | 54.3453% | 6,080 |
| Assets per employee ($millions) | 5.6832% | 1,468 |
| Cash dividends to net income (ytd only)* | 18.0229% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,943 |
| Loan loss allowance to noncurrent loans | 288.3382% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 5,653 |
| Noncurrent loans to loans | 0.4104% | 5,168 |
| Net loans and leases to total assets | 63.1789% | 3,134 |
| Net loans and leases to deposits | 72.1722% | 3,491 |
| Net loans and leases to core deposits | 75.1280% | 3,716 |
| Total domestic deposits to total assets | 87.5391% | 2,393 |
| Equity capital to assets | 10.6531% | 3,114 |
| Core capital (leverage) ratio | 10.8007% | 2,667 |
| Tier 1 risk-based capital ratio | 15.4888% | 3,478 |
| Total risk-based capital ratio | 16.5835% | 3,503 |
| Memoranda: | ||
| Average total assets | $128,302,500 | 4,154 |
| Average earning assets | $120,838,500 | 4,082 |
| Average equity | $14,038,250 | 4,105 |
| Average total loans | $78,973,000 | 4,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 3,224 |
| Cost of funding earning assets | 0.6804% | 2,215 |
| Net interest margin | 3.5534% | 3,550 |
| Noninterest income to average assets | 0.2526% | 5,641 |
| Noninterest expense to average assets | 1.9341% | 6,167 |
| Loan and lease loss provision to assets | 0.2824% | 1,287 |
| Net operating income to assets | 1.0886% | 1,961 |
| Return on assets (ROA) | 1.0886% | 2,076 |
| Pretax return on assets | 1.3867% | 1,979 |
| Return on Equity (ROE) | 9.8608% | 2,252 |
| Retained earnings to average equity (ytd only) | 8.3831% | 1,340 |
| Net charge-offs to loans | 0.0723% | 3,678 |
| Credit loss provision to net charge-offs | 642.8571% | 456 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 963 |
| Efficiency ratio | 53.6787% | 6,170 |
| Assets per employee ($millions) | 5.5887% | 1,504 |
| Cash dividends to net income (ytd only)* | 14.9856% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,985 |
| Loan loss allowance to noncurrent loans | 414.4105% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 5,965 |
| Noncurrent loans to loans | 0.2899% | 5,573 |
| Net loans and leases to total assets | 60.7064% | 3,537 |
| Net loans and leases to deposits | 69.2940% | 3,818 |
| Net loans and leases to core deposits | 71.4618% | 4,115 |
| Total domestic deposits to total assets | 87.6070% | 2,490 |
| Equity capital to assets | 10.5687% | 3,212 |
| Core capital (leverage) ratio | 10.6627% | 2,703 |
| Tier 1 risk-based capital ratio | 15.9025% | 3,255 |
| Total risk-based capital ratio | 17.0010% | 3,283 |
| Memoranda: | ||
| Average total assets | $127,499,000 | 4,194 |
| Average earning assets | $120,222,330 | 4,116 |
| Average equity | $14,076,000 | 4,134 |
| Average total loans | $77,440,000 | 4,060 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,574 |
| Cost of funding earning assets | 0.6970% | 2,244 |
| Net interest margin | 3.4382% | 3,971 |
| Noninterest income to average assets | 0.2520% | 5,657 |
| Noninterest expense to average assets | 1.8460% | 6,373 |
| Loan and lease loss provision to assets | 0.2835% | 1,244 |
| Net operating income to assets | 1.1088% | 1,825 |
| Return on assets (ROA) | 1.1088% | 1,931 |
| Pretax return on assets | 1.3703% | 1,967 |
| Return on Equity (ROE) | 9.8314% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.6862% | 1,496 |
| Net charge-offs to loans | 0.1096% | 2,778 |
| Credit loss provision to net charge-offs | 428.5714% | 606 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,060 |
| Efficiency ratio | 52.7453% | 6,335 |
| Assets per employee ($millions) | 5.6277% | 1,562 |
| Cash dividends to net income (ytd only)* | 11.6477% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 5,440 |
| Loan loss allowance to noncurrent loans | 241.8994% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 5,738 |
| Noncurrent loans to loans | 0.4716% | 5,246 |
| Net loans and leases to total assets | 57.9783% | 3,781 |
| Net loans and leases to deposits | 66.6844% | 3,957 |
| Net loans and leases to core deposits | 68.8824% | 4,196 |
| Total domestic deposits to total assets | 86.9443% | 2,997 |
| Equity capital to assets | 11.1026% | 2,843 |
| Core capital (leverage) ratio | 10.6310% | 2,622 |
| Tier 1 risk-based capital ratio | 15.9161% | 3,316 |
| Total risk-based capital ratio | 16.9402% | 3,397 |
| Memoranda: | ||
| Average total assets | $126,978,500 | 4,241 |
| Average earning assets | $119,947,000 | 4,153 |
| Average equity | $14,321,500 | 4,132 |
| Average total loans | $76,669,500 | 4,114 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,232 |
| Cost of funding earning assets | 0.8759% | 2,089 |
| Net interest margin | 3.9154% | 2,762 |
| Noninterest income to average assets | 0.2588% | 5,614 |
| Noninterest expense to average assets | 2.0075% | 6,309 |
| Loan and lease loss provision to assets | 0.3738% | 1,751 |
| Net operating income to assets | 1.1422% | 1,799 |
| Return on assets (ROA) | 1.2008% | 1,768 |
| Pretax return on assets | 1.6397% | 1,284 |
| Return on Equity (ROE) | 10.3635% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.6923% | 1,240 |
| Net charge-offs to loans | 0.6484% | 1,812 |
| Credit loss provision to net charge-offs | 94.2431% | 3,304 |
| Earnings coverage of net charge-offs (x) | 4.8742% | 3,220 |
| Efficiency ratio | 50.9442% | 6,528 |
| Assets per employee ($millions) | 5.6600% | 1,556 |
| Cash dividends to net income (ytd only)* | 25.7746% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 5,857 |
| Loan loss allowance to noncurrent loans | 78.9891% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 4,447 |
| Noncurrent loans to loans | 1.3032% | 3,659 |
| Net loans and leases to total assets | 61.5408% | 3,328 |
| Net loans and leases to deposits | 71.1513% | 3,543 |
| Net loans and leases to core deposits | 73.4229% | 3,862 |
| Total domestic deposits to total assets | 86.4928% | 3,103 |
| Equity capital to assets | 11.4617% | 2,484 |
| Core capital (leverage) ratio | 10.9013% | 2,343 |
| Tier 1 risk-based capital ratio | 15.5580% | 3,393 |
| Total risk-based capital ratio | 16.5012% | 3,527 |
| Memoranda: | ||
| Average total assets | $118,255,000 | 4,395 |
| Average earning assets | $111,203,200 | 4,312 |
| Average equity | $13,702,000 | 4,224 |
| Average total loans | $72,335,000 | 4,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,070 |
| Cost of funding earning assets | 0.8991% | 2,175 |
| Net interest margin | 3.9853% | 2,562 |
| Noninterest income to average assets | 0.2628% | 5,681 |
| Noninterest expense to average assets | 2.0156% | 6,328 |
| Loan and lease loss provision to assets | 0.2411% | 2,641 |
| Net operating income to assets | 1.2461% | 1,586 |
| Return on assets (ROA) | 1.3231% | 1,520 |
| Pretax return on assets | 1.8625% | 937 |
| Return on Equity (ROE) | 11.3866% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.5183% | 1,060 |
| Net charge-offs to loans | 0.1388% | 4,002 |
| Credit loss provision to net charge-offs | 285.1351% | 950 |
| Earnings coverage of net charge-offs (x) | 23.5956% | 1,306 |
| Efficiency ratio | 50.2564% | 6,570 |
| Assets per employee ($millions) | 5.3946% | 1,734 |
| Cash dividends to net income (ytd only)* | 16.4078% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 4,914 |
| Loan loss allowance to noncurrent loans | 546.0227% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,343 |
| Noncurrent loans to loans | 0.2339% | 6,020 |
| Net loans and leases to total assets | 62.6048% | 3,279 |
| Net loans and leases to deposits | 72.9905% | 3,451 |
| Net loans and leases to core deposits | 75.6789% | 3,767 |
| Total domestic deposits to total assets | 85.7711% | 3,375 |
| Equity capital to assets | 12.0348% | 2,228 |
| Core capital (leverage) ratio | 11.1772% | 2,227 |
| Tier 1 risk-based capital ratio | 16.0291% | 3,247 |
| Total risk-based capital ratio | 17.2085% | 3,259 |
| Memoranda: | ||
| Average total assets | $116,689,000 | 4,470 |
| Average earning assets | $109,734,750 | 4,392 |
| Average equity | $13,559,500 | 4,289 |
| Average total loans | $71,062,000 | 4,359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 2,200 |
| Cost of funding earning assets | 0.9171% | 2,276 |
| Net interest margin | 3.9601% | 2,681 |
| Noninterest income to average assets | 0.2724% | 5,625 |
| Noninterest expense to average assets | 2.0392% | 6,352 |
| Loan and lease loss provision to assets | 0.2327% | 2,744 |
| Net operating income to assets | 1.1877% | 1,757 |
| Return on assets (ROA) | 1.1877% | 1,953 |
| Pretax return on assets | 1.7220% | 1,206 |
| Return on Equity (ROE) | 10.3466% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.7699% | 1,351 |
| Net charge-offs to loans | 0.1407% | 3,794 |
| Credit loss provision to net charge-offs | 275.5102% | 1,061 |
| Earnings coverage of net charge-offs (x) | 23.1429% | 1,261 |
| Efficiency ratio | 51.0574% | 6,577 |
| Assets per employee ($millions) | 5.6305% | 1,496 |
| Cash dividends to net income (ytd only)* | 15.2395% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 5,067 |
| Loan loss allowance to noncurrent loans | 473.9583% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 6,387 |
| Noncurrent loans to loans | 0.2665% | 6,046 |
| Net loans and leases to total assets | 60.1505% | 3,786 |
| Net loans and leases to deposits | 69.6919% | 3,943 |
| Net loans and leases to core deposits | 72.2439% | 4,272 |
| Total domestic deposits to total assets | 86.3092% | 3,188 |
| Equity capital to assets | 11.5959% | 2,492 |
| Core capital (leverage) ratio | 10.8906% | 2,400 |
| Tier 1 risk-based capital ratio | 16.2428% | 3,039 |
| Total risk-based capital ratio | 17.4087% | 3,050 |
| Memoranda: | ||
| Average total assets | $116,025,000 | 4,504 |
| Average earning assets | $109,038,670 | 4,431 |
| Average equity | $13,318,330 | 4,337 |
| Average total loans | $69,662,330 | 4,426 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 2,472 |
| Cost of funding earning assets | 0.9426% | 2,359 |
| Net interest margin | 3.9003% | 2,920 |
| Noninterest income to average assets | 0.2889% | 5,562 |
| Noninterest expense to average assets | 1.9005% | 6,649 |
| Loan and lease loss provision to assets | 0.1462% | 3,537 |
| Net operating income to assets | 1.3784% | 1,261 |
| Return on assets (ROA) | 1.3784% | 1,409 |
| Pretax return on assets | 1.9005% | 876 |
| Return on Equity (ROE) | 12.0713% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.7910% | 1,090 |
| Net charge-offs to loans | 0.0058% | 4,670 |
| Credit loss provision to net charge-offs | 4,200.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 588.0000% | 40 |
| Efficiency ratio | 48.1481% | 6,794 |
| Assets per employee ($millions) | 5.5719% | 1,634 |
| Cash dividends to net income (ytd only)* | 10.6061% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,134 |
| Loan loss allowance to noncurrent loans | 347.3896% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 6,354 |
| Noncurrent loans to loans | 0.3670% | 5,937 |
| Net loans and leases to total assets | 57.2529% | 4,172 |
| Net loans and leases to deposits | 66.2956% | 4,329 |
| Net loans and leases to core deposits | 69.1392% | 4,545 |
| Total domestic deposits to total assets | 86.3600% | 3,327 |
| Equity capital to assets | 11.4213% | 2,504 |
| Core capital (leverage) ratio | 10.9159% | 2,330 |
| Tier 1 risk-based capital ratio | 16.5299% | 2,895 |
| Total risk-based capital ratio | 17.6785% | 2,905 |
| Memoranda: | ||
| Average total assets | $114,917,500 | 4,568 |
| Average earning assets | $107,786,000 | 4,493 |
| Average equity | $13,122,000 | 4,384 |
| Average total loans | $68,477,500 | 4,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 1,605 |
| Cost of funding earning assets | 1.2051% | 1,994 |
| Net interest margin | 4.1306% | 2,304 |
| Noninterest income to average assets | 0.3154% | 5,285 |
| Noninterest expense to average assets | 2.1184% | 6,455 |
| Loan and lease loss provision to assets | 0.1709% | 4,497 |
| Net operating income to assets | 1.3207% | 1,194 |
| Return on assets (ROA) | 1.3779% | 1,158 |
| Pretax return on assets | 1.8889% | 682 |
| Return on Equity (ROE) | 12.1598% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.0094% | 797 |
| Net charge-offs to loans | 0.0970% | 5,377 |
| Credit loss provision to net charge-offs | 287.3016% | 825 |
| Earnings coverage of net charge-offs (x) | 33.3016% | 775 |
| Efficiency ratio | 51.6701% | 6,728 |
| Assets per employee ($millions) | 5.9382% | 1,279 |
| Cash dividends to net income (ytd only)* | 25.9082% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,429 |
| Loan loss allowance to noncurrent loans | 592.8058% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 6,644 |
| Noncurrent loans to loans | 0.2012% | 6,346 |
| Net loans and leases to total assets | 60.5135% | 3,887 |
| Net loans and leases to deposits | 70.3474% | 4,041 |
| Net loans and leases to core deposits | 73.3966% | 4,323 |
| Total domestic deposits to total assets | 86.0210% | 3,313 |
| Equity capital to assets | 11.4158% | 2,582 |
| Core capital (leverage) ratio | 11.1156% | 2,180 |
| Tier 1 risk-based capital ratio | 16.0641% | 3,014 |
| Total risk-based capital ratio | 17.1586% | 3,052 |
| Memoranda: | ||
| Average total assets | $105,883,000 | 4,735 |
| Average earning assets | $97,007,600 | 4,710 |
| Average equity | $11,998,600 | 4,552 |
| Average total loans | $64,925,000 | 4,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 1,603 |
| Cost of funding earning assets | 1.2629% | 1,916 |
| Net interest margin | 4.1080% | 2,442 |
| Noninterest income to average assets | 0.3137% | 5,357 |
| Noninterest expense to average assets | 2.0906% | 6,513 |
| Loan and lease loss provision to assets | 0.1677% | 4,373 |
| Net operating income to assets | 1.3882% | 1,184 |
| Return on assets (ROA) | 1.4582% | 1,105 |
| Pretax return on assets | 1.9024% | 777 |
| Return on Equity (ROE) | 12.8935% | 1,306 |
| Retained earnings to average equity (ytd only) | 11.6709% | 533 |
| Net charge-offs to loans | 0.0939% | 5,037 |
| Credit loss provision to net charge-offs | 291.1111% | 984 |
| Earnings coverage of net charge-offs (x) | 34.3547% | 850 |
| Efficiency ratio | 51.3684% | 6,737 |
| Assets per employee ($millions) | 5.6528% | 1,462 |
| Cash dividends to net income (ytd only)* | 9.4822% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,570 |
| Loan loss allowance to noncurrent loans | 410.3627% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 6,604 |
| Noncurrent loans to loans | 0.2860% | 6,281 |
| Net loans and leases to total assets | 62.0914% | 3,700 |
| Net loans and leases to deposits | 73.0595% | 3,801 |
| Net loans and leases to core deposits | 75.9839% | 4,195 |
| Total domestic deposits to total assets | 84.9874% | 3,771 |
| Equity capital to assets | 11.9466% | 2,295 |
| Core capital (leverage) ratio | 11.5186% | 2,015 |
| Tier 1 risk-based capital ratio | 16.4378% | 2,892 |
| Total risk-based capital ratio | 17.5188% | 2,950 |
| Memoranda: | ||
| Average total assets | $104,147,250 | 4,814 |
| Average earning assets | $95,226,250 | 4,813 |
| Average equity | $11,778,250 | 4,624 |
| Average total loans | $63,881,500 | 4,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 1,682 |
| Cost of funding earning assets | 1.3250% | 1,798 |
| Net interest margin | 4.0370% | 2,662 |
| Noninterest income to average assets | 0.3221% | 5,317 |
| Noninterest expense to average assets | 2.0415% | 6,709 |
| Loan and lease loss provision to assets | 0.1514% | 4,417 |
| Net operating income to assets | 1.3545% | 1,185 |
| Return on assets (ROA) | 1.3545% | 1,253 |
| Pretax return on assets | 1.8009% | 883 |
| Return on Equity (ROE) | 12.2163% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.0437% | 658 |
| Net charge-offs to loans | 0.0574% | 5,075 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 55.8889% | 570 |
| Efficiency ratio | 51.1176% | 6,861 |
| Assets per employee ($millions) | 5.4812% | 1,586 |
| Cash dividends to net income (ytd only)* | 9.5989% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,524 |
| Loan loss allowance to noncurrent loans | 261.4334% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,428 |
| Noncurrent loans to loans | 0.4605% | 5,991 |
| Net loans and leases to total assets | 60.3603% | 4,205 |
| Net loans and leases to deposits | 69.5989% | 4,486 |
| Net loans and leases to core deposits | 73.4684% | 4,643 |
| Total domestic deposits to total assets | 86.7259% | 2,900 |
| Equity capital to assets | 11.5927% | 2,420 |
| Core capital (leverage) ratio | 11.0990% | 2,171 |
| Tier 1 risk-based capital ratio | 16.7520% | 2,629 |
| Total risk-based capital ratio | 17.8542% | 2,649 |
| Memoranda: | ||
| Average total assets | $103,062,000 | 4,881 |
| Average earning assets | $93,732,330 | 4,890 |
| Average equity | $11,427,330 | 4,708 |
| Average total loans | $62,682,000 | 4,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 1,837 |
| Cost of funding earning assets | 1.3797% | 1,715 |
| Net interest margin | 3.9307% | 2,996 |
| Noninterest income to average assets | 0.3121% | 5,432 |
| Noninterest expense to average assets | 2.0679% | 6,697 |
| Loan and lease loss provision to assets | 0.1170% | 4,543 |
| Net operating income to assets | 1.2212% | 1,474 |
| Return on assets (ROA) | 1.2212% | 1,530 |
| Pretax return on assets | 1.6621% | 1,053 |
| Return on Equity (ROE) | 11.2747% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.5183% | 989 |
| Net charge-offs to loans | 0.1543% | 3,566 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,162 |
| Efficiency ratio | 53.7525% | 6,713 |
| Assets per employee ($millions) | 5.5284% | 1,547 |
| Cash dividends to net income (ytd only)* | 6.7093% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,870 |
| Loan loss allowance to noncurrent loans | 374.7368% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,603 |
| Noncurrent loans to loans | 0.3056% | 6,376 |
| Net loans and leases to total assets | 58.5135% | 4,551 |
| Net loans and leases to deposits | 66.8610% | 4,850 |
| Net loans and leases to core deposits | 71.3306% | 4,883 |
| Total domestic deposits to total assets | 87.5151% | 2,654 |
| Equity capital to assets | 10.7465% | 2,934 |
| Core capital (leverage) ratio | 11.0559% | 2,148 |
| Tier 1 risk-based capital ratio | 16.4969% | 2,663 |
| Total risk-based capital ratio | 17.5360% | 2,725 |
| Memoranda: | ||
| Average total assets | $102,521,500 | 4,930 |
| Average earning assets | $92,196,500 | 4,964 |
| Average equity | $11,104,500 | 4,774 |
| Average total loans | $62,209,500 | 4,896 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7550% | 1,388 |
| Cost of funding earning assets | 1.7363% | 1,439 |
| Net interest margin | 4.0188% | 2,931 |
| Noninterest income to average assets | 0.3729% | 5,110 |
| Noninterest expense to average assets | 2.2204% | 6,565 |
| Loan and lease loss provision to assets | 0.1711% | 5,512 |
| Net operating income to assets | 1.2467% | 1,304 |
| Return on assets (ROA) | 1.2507% | 1,364 |
| Pretax return on assets | 1.6468% | 1,041 |
| Return on Equity (ROE) | 10.8156% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.6915% | 1,082 |
| Net charge-offs to loans | 0.0738% | 6,063 |
| Credit loss provision to net charge-offs | 360.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 38.1333% | 607 |
| Efficiency ratio | 55.0550% | 6,707 |
| Assets per employee ($millions) | 5.8826% | 1,295 |
| Cash dividends to net income (ytd only)* | 28.8851% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,801 |
| Loan loss allowance to noncurrent loans | 205.5233% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 6,399 |
| Noncurrent loans to loans | 0.5527% | 5,944 |
| Net loans and leases to total assets | 61.5355% | 4,389 |
| Net loans and leases to deposits | 70.5250% | 4,751 |
| Net loans and leases to core deposits | 75.2620% | 4,821 |
| Total domestic deposits to total assets | 87.2535% | 2,696 |
| Equity capital to assets | 10.9206% | 2,756 |
| Core capital (leverage) ratio | 11.1439% | 2,053 |
| Tier 1 risk-based capital ratio | 16.4255% | 2,556 |
| Total risk-based capital ratio | 17.4801% | 2,602 |
| Memoranda: | ||
| Average total assets | $94,669,400 | 5,137 |
| Average earning assets | $86,220,200 | 5,139 |
| Average equity | $10,947,200 | 4,876 |
| Average total loans | $60,965,200 | 5,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7601% | 1,512 |
| Cost of funding earning assets | 1.7910% | 1,455 |
| Net interest margin | 3.9691% | 3,240 |
| Noninterest income to average assets | 0.3828% | 5,087 |
| Noninterest expense to average assets | 2.2042% | 6,594 |
| Loan and lease loss provision to assets | 0.1557% | 5,482 |
| Net operating income to assets | 1.3179% | 1,305 |
| Return on assets (ROA) | 1.3214% | 1,371 |
| Pretax return on assets | 1.6456% | 1,222 |
| Return on Equity (ROE) | 11.2592% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.7012% | 864 |
| Net charge-offs to loans | 0.0462% | 6,070 |
| Credit loss provision to net charge-offs | 519.0476% | 561 |
| Earnings coverage of net charge-offs (x) | 59.9032% | 485 |
| Efficiency ratio | 55.0875% | 6,671 |
| Assets per employee ($millions) | 5.7554% | 1,423 |
| Cash dividends to net income (ytd only)* | 13.8377% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 6,063 |
| Loan loss allowance to noncurrent loans | 186.5014% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 6,324 |
| Noncurrent loans to loans | 0.5745% | 6,059 |
| Net loans and leases to total assets | 63.8877% | 4,148 |
| Net loans and leases to deposits | 74.0962% | 4,494 |
| Net loans and leases to core deposits | 79.0873% | 4,647 |
| Total domestic deposits to total assets | 86.2227% | 2,962 |
| Equity capital to assets | 11.7761% | 2,307 |
| Core capital (leverage) ratio | 11.4545% | 1,970 |
| Tier 1 risk-based capital ratio | 16.3990% | 2,599 |
| Total risk-based capital ratio | 17.4113% | 2,639 |
| Memoranda: | ||
| Average total assets | $93,335,750 | 5,239 |
| Average earning assets | $85,089,000 | 5,233 |
| Average equity | $10,953,750 | 4,938 |
| Average total loans | $60,645,250 | 5,119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 1,627 |
| Cost of funding earning assets | 1.8225% | 1,553 |
| Net interest margin | 3.9108% | 3,397 |
| Noninterest income to average assets | 0.3920% | 4,975 |
| Noninterest expense to average assets | 2.1670% | 6,727 |
| Loan and lease loss provision to assets | 0.1612% | 5,279 |
| Net operating income to assets | 1.3080% | 1,287 |
| Return on assets (ROA) | 1.3132% | 1,345 |
| Pretax return on assets | 1.6269% | 1,223 |
| Return on Equity (ROE) | 11.2037% | 1,685 |
| Retained earnings to average equity (ytd only) | 9.9217% | 863 |
| Net charge-offs to loans | 0.0569% | 5,594 |
| Credit loss provision to net charge-offs | 435.2941% | 831 |
| Earnings coverage of net charge-offs (x) | 48.1176% | 619 |
| Efficiency ratio | 54.8814% | 6,777 |
| Assets per employee ($millions) | 5.6240% | 1,513 |
| Cash dividends to net income (ytd only)* | 11.4428% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 6,164 |
| Loan loss allowance to noncurrent loans | 262.1951% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 6,594 |
| Noncurrent loans to loans | 0.4022% | 6,438 |
| Net loans and leases to total assets | 63.2949% | 4,395 |
| Net loans and leases to deposits | 73.1511% | 4,812 |
| Net loans and leases to core deposits | 78.2312% | 4,910 |
| Total domestic deposits to total assets | 86.5262% | 2,803 |
| Equity capital to assets | 11.5859% | 2,372 |
| Core capital (leverage) ratio | 11.4916% | 1,920 |
| Tier 1 risk-based capital ratio | 16.4189% | 2,509 |
| Total risk-based capital ratio | 17.4083% | 2,563 |
| Memoranda: | ||
| Average total assets | $91,833,670 | 5,327 |
| Average earning assets | $83,511,330 | 5,314 |
| Average equity | $10,764,330 | 4,984 |
| Average total loans | $59,798,330 | 5,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 1,702 |
| Cost of funding earning assets | 1.8709% | 1,563 |
| Net interest margin | 3.8496% | 3,573 |
| Noninterest income to average assets | 0.4091% | 4,831 |
| Noninterest expense to average assets | 2.1613% | 6,778 |
| Loan and lease loss provision to assets | 0.1334% | 5,232 |
| Net operating income to assets | 1.3408% | 1,202 |
| Return on assets (ROA) | 1.3519% | 1,249 |
| Pretax return on assets | 1.6232% | 1,212 |
| Return on Equity (ROE) | 11.4630% | 1,651 |
| Retained earnings to average equity (ytd only) | 10.6712% | 997 |
| Net charge-offs to loans | 0.0271% | 5,193 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 329 |
| Efficiency ratio | 55.3531% | 6,844 |
| Assets per employee ($millions) | 5.3659% | 1,812 |
| Cash dividends to net income (ytd only)* | 6.9079% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 6,323 |
| Loan loss allowance to noncurrent loans | 234.7328% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,540 |
| Noncurrent loans to loans | 0.4385% | 6,421 |
| Net loans and leases to total assets | 64.8184% | 4,138 |
| Net loans and leases to deposits | 75.1242% | 4,555 |
| Net loans and leases to core deposits | 80.3239% | 4,725 |
| Total domestic deposits to total assets | 86.2817% | 2,994 |
| Equity capital to assets | 11.7835% | 2,177 |
| Core capital (leverage) ratio | 11.6989% | 1,801 |
| Tier 1 risk-based capital ratio | 16.1694% | 2,577 |
| Total risk-based capital ratio | 17.1207% | 2,642 |
| Memoranda: | ||
| Average total assets | $89,946,500 | 5,456 |
| Average earning assets | $81,670,000 | 5,446 |
| Average equity | $10,608,000 | 5,070 |
| Average total loans | $59,117,500 | 5,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 2,034 |
| Cost of funding earning assets | 2.2872% | 1,705 |
| Net interest margin | 3.6682% | 4,265 |
| Noninterest income to average assets | 0.4881% | 4,503 |
| Noninterest expense to average assets | 2.3951% | 6,484 |
| Loan and lease loss provision to assets | 0.0914% | 6,690 |
| Net operating income to assets | 1.0958% | 1,523 |
| Return on assets (ROA) | 1.0977% | 1,555 |
| Pretax return on assets | 1.3574% | 1,536 |
| Return on Equity (ROE) | 8.8677% | 2,068 |
| Retained earnings to average equity (ytd only) | 3.7200% | 2,595 |
| Net charge-offs to loans | 0.0292% | 6,837 |
| Credit loss provision to net charge-offs | 475.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 75.1875% | 361 |
| Efficiency ratio | 62.3474% | 6,088 |
| Assets per employee ($millions) | 5.2160% | 1,933 |
| Cash dividends to net income (ytd only)* | 58.0504% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,331 |
| Loan loss allowance to noncurrent loans | 222.2642% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 6,476 |
| Noncurrent loans to loans | 0.4531% | 6,362 |
| Net loans and leases to total assets | 65.3002% | 4,323 |
| Net loans and leases to deposits | 75.9145% | 4,757 |
| Net loans and leases to core deposits | 95.6347% | 4,500 |
| Total domestic deposits to total assets | 86.0181% | 3,012 |
| Equity capital to assets | 11.8042% | 2,137 |
| Core capital (leverage) ratio | 11.6777% | 1,827 |
| Tier 1 risk-based capital ratio | 16.2087% | 2,429 |
| Total risk-based capital ratio | 17.1475% | 2,498 |
| Memoranda: | ||
| Average total assets | $83,171,400 | 5,625 |
| Average earning assets | $76,032,200 | 5,602 |
| Average equity | $10,295,800 | 5,217 |
| Average total loans | $54,875,600 | 5,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9829% | 2,110 |
| Cost of funding earning assets | 2.3458% | 1,826 |
| Net interest margin | 3.6371% | 4,337 |
| Noninterest income to average assets | 0.4955% | 4,520 |
| Noninterest expense to average assets | 2.3880% | 6,454 |
| Loan and lease loss provision to assets | 0.0734% | 6,623 |
| Net operating income to assets | 1.2342% | 1,390 |
| Return on assets (ROA) | 1.2372% | 1,446 |
| Pretax return on assets | 1.3660% | 1,785 |
| Return on Equity (ROE) | 9.8700% | 1,965 |
| Retained earnings to average equity (ytd only) | 6.1769% | 1,862 |
| Net charge-offs to loans | 0.0420% | 6,313 |
| Credit loss provision to net charge-offs | 264.7059% | 1,604 |
| Earnings coverage of net charge-offs (x) | 51.8147% | 613 |
| Efficiency ratio | 62.4467% | 6,026 |
| Assets per employee ($millions) | 5.0971% | 2,025 |
| Cash dividends to net income (ytd only)* | 37.4181% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 6,365 |
| Loan loss allowance to noncurrent loans | 158.6895% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 6,441 |
| Noncurrent loans to loans | 0.6231% | 6,059 |
| Net loans and leases to total assets | 64.3670% | 4,784 |
| Net loans and leases to deposits | 75.5131% | 5,123 |
| Net loans and leases to core deposits | 95.3630% | 4,887 |
| Total domestic deposits to total assets | 85.2395% | 3,101 |
| Equity capital to assets | 12.4351% | 1,989 |
| Core capital (leverage) ratio | 12.1894% | 1,712 |
| Tier 1 risk-based capital ratio | 16.9014% | 2,308 |
| Total risk-based capital ratio | 17.8188% | 2,359 |
| Memoranda: | ||
| Average total assets | $81,796,250 | 5,700 |
| Average earning assets | $74,855,750 | 5,678 |
| Average equity | $10,253,000 | 5,271 |
| Average total loans | $53,971,500 | 5,557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 2,144 |
| Cost of funding earning assets | 2.4175% | 1,894 |
| Net interest margin | 3.5923% | 4,397 |
| Noninterest income to average assets | 0.5114% | 4,344 |
| Noninterest expense to average assets | 2.3148% | 6,720 |
| Loan and lease loss provision to assets | 0.0748% | 6,442 |
| Net operating income to assets | 1.2871% | 1,259 |
| Return on assets (ROA) | 1.2871% | 1,348 |
| Pretax return on assets | 1.4168% | 1,678 |
| Return on Equity (ROE) | 10.2391% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.8261% | 1,653 |
| Net charge-offs to loans | 0.0226% | 6,181 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 383 |
| Efficiency ratio | 60.8126% | 6,425 |
| Assets per employee ($millions) | 4.8399% | 2,273 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 6,144 |
| Loan loss allowance to noncurrent loans | 269.7561% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 6,858 |
| Noncurrent loans to loans | 0.3749% | 6,576 |
| Net loans and leases to total assets | 65.7835% | 4,614 |
| Net loans and leases to deposits | 77.1641% | 5,004 |
| Net loans and leases to core deposits | 94.8481% | 5,022 |
| Total domestic deposits to total assets | 85.2514% | 3,135 |
| Equity capital to assets | 12.4941% | 1,925 |
| Core capital (leverage) ratio | 12.4244% | 1,645 |
| Tier 1 risk-based capital ratio | 17.1788% | 2,245 |
| Total risk-based capital ratio | 18.1166% | 2,294 |
| Memoranda: | ||
| Average total assets | $80,178,330 | 5,796 |
| Average earning assets | $73,546,670 | 5,767 |
| Average equity | $10,079,000 | 5,340 |
| Average total loans | $53,185,000 | 5,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 2,229 |
| Cost of funding earning assets | 2.5254% | 1,821 |
| Net interest margin | 3.5057% | 4,709 |
| Noninterest income to average assets | 0.4802% | 4,507 |
| Noninterest expense to average assets | 2.2596% | 6,660 |
| Loan and lease loss provision to assets | 0.0758% | 6,008 |
| Net operating income to assets | 1.2132% | 1,621 |
| Return on assets (ROA) | 1.2132% | 1,730 |
| Pretax return on assets | 1.3447% | 2,136 |
| Return on Equity (ROE) | 9.6207% | 2,486 |
| Retained earnings to average equity (ytd only) | 6.8547% | 2,258 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4011% | 6,177 |
| Assets per employee ($millions) | 4.7274% | 2,401 |
| Cash dividends to net income (ytd only)* | 28.7500% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 5,853 |
| Loan loss allowance to noncurrent loans | 323.8095% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 6,895 |
| Noncurrent loans to loans | 0.3220% | 6,636 |
| Net loans and leases to total assets | 64.2419% | 4,944 |
| Net loans and leases to deposits | 75.5005% | 5,293 |
| Net loans and leases to core deposits | 92.5515% | 5,301 |
| Total domestic deposits to total assets | 85.0880% | 3,155 |
| Equity capital to assets | 12.5254% | 1,958 |
| Core capital (leverage) ratio | 12.5796% | 1,654 |
| Tier 1 risk-based capital ratio | 17.5046% | 2,186 |
| Total risk-based capital ratio | 18.4608% | 2,210 |
| Memoranda: | ||
| Average total assets | $79,128,000 | 5,858 |
| Average earning assets | $72,225,000 | 5,837 |
| Average equity | $9,978,500 | 5,391 |
| Average total loans | $52,438,000 | 5,698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3169% | 3,871 |
| Cost of funding earning assets | 2.9509% | 2,052 |
| Net interest margin | 3.3660% | 5,799 |
| Noninterest income to average assets | 0.5218% | 4,452 |
| Noninterest expense to average assets | 2.3684% | 6,509 |
| Loan and lease loss provision to assets | 0.1762% | 5,140 |
| Net operating income to assets | 0.9361% | 2,851 |
| Return on assets (ROA) | 0.9361% | 2,706 |
| Pretax return on assets | 1.0746% | 3,120 |
| Return on Equity (ROE) | 7.1349% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.4137% | 3,017 |
| Net charge-offs to loans | 0.2080% | 4,121 |
| Credit loss provision to net charge-offs | 131.0000% | 4,065 |
| Earnings coverage of net charge-offs (x) | 9.3000% | 2,711 |
| Efficiency ratio | 65.4404% | 5,231 |
| Assets per employee ($millions) | 4.5818% | 2,497 |
| Cash dividends to net income (ytd only)* | 52.1552% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,016 |
| Loan loss allowance to noncurrent loans | 217.6955% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,359 |
| Noncurrent loans to loans | 0.4611% | 5,964 |
| Net loans and leases to total assets | 66.9846% | 4,638 |
| Net loans and leases to deposits | 79.3222% | 5,154 |
| Net loans and leases to core deposits | 97.7371% | 5,065 |
| Total domestic deposits to total assets | 84.4462% | 3,105 |
| Equity capital to assets | 12.6985% | 1,918 |
| Core capital (leverage) ratio | 12.7658% | 1,637 |
| Tier 1 risk-based capital ratio | 17.2289% | 2,245 |
| Total risk-based capital ratio | 18.1602% | 2,287 |
| Memoranda: | ||
| Average total assets | $74,355,000 | 5,900 |
| Average earning assets | $68,419,600 | 5,877 |
| Average equity | $9,754,800 | 5,493 |
| Average total loans | $48,077,800 | 5,786 |