Home > Farmers and Drovers Bank > Performance and Condition Ratios
Farmers and Drovers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 3,471 |
| Cost of funding earning assets | 1.4006% | 2,230 |
| Net interest margin | 2.8803% | 3,523 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.9029% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9386% | 2,414 |
| Return on assets (ROA) | 0.5340% | 3,587 |
| Pretax return on assets | 0.6385% | 3,564 |
| Return on Equity (ROE) | 2.4200% | 4,106 |
| Retained earnings to average equity (ytd only) | 0.9302% | 3,853 |
| Net charge-offs to loans | -0.0090% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.9481% | 2,732 |
| Assets per employee ($millions) | 8.9779% | 989 |
| Cash dividends to net income (ytd only)* | 61.6015% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,150 |
| Loan loss allowance to noncurrent loans | 687.0192% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,853 |
| Noncurrent loans to loans | 0.1782% | 2,629 |
| Net loans and leases to total assets | 55.8400% | 3,208 |
| Net loans and leases to deposits | 85.3677% | 1,661 |
| Net loans and leases to core deposits | 96.0126% | 1,654 |
| Total domestic deposits to total assets | 65.4200% | 4,385 |
| Equity capital to assets | 22.7685% | 222 |
| Core capital (leverage) ratio | 25.2767% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $205,788,800 | 2,949 |
| Average earning assets | $193,419,400 | 2,922 |
| Average equity | $45,365,800 | 1,723 |
| Average total loans | $110,896,000 | 3,048 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 3,401 |
| Cost of funding earning assets | 1.3437% | 2,018 |
| Net interest margin | 2.8955% | 3,554 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.8701% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8916% | 2,714 |
| Return on assets (ROA) | 0.8916% | 2,700 |
| Pretax return on assets | 1.1478% | 2,429 |
| Return on Equity (ROE) | 4.0800% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.5715% | 3,615 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.9682% | 2,721 |
| Assets per employee ($millions) | 8.8352% | 991 |
| Cash dividends to net income (ytd only)* | 36.9455% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,598 |
| Loan loss allowance to noncurrent loans | 805.6818% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 2,977 |
| Noncurrent loans to loans | 0.1696% | 2,688 |
| Net loans and leases to total assets | 52.6700% | 3,448 |
| Net loans and leases to deposits | 77.4970% | 2,287 |
| Net loans and leases to core deposits | 86.7619% | 2,136 |
| Total domestic deposits to total assets | 67.9700% | 4,370 |
| Equity capital to assets | 22.6507% | 220 |
| Core capital (leverage) ratio | 25.4831% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $205,613,250 | 2,954 |
| Average earning assets | $192,893,000 | 2,933 |
| Average equity | $44,953,500 | 1,721 |
| Average total loans | $109,434,500 | 3,068 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,395 |
| Cost of funding earning assets | 1.2641% | 1,813 |
| Net interest margin | 2.8865% | 3,670 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.8237% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8903% | 2,793 |
| Return on assets (ROA) | 0.8903% | 2,776 |
| Pretax return on assets | 1.1483% | 2,513 |
| Return on Equity (ROE) | 4.1200% | 4,015 |
| Retained earnings to average equity (ytd only) | 2.6247% | 3,571 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.3629% | 2,798 |
| Assets per employee ($millions) | 9.1091% | 876 |
| Cash dividends to net income (ytd only)* | 36.2661% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,207 |
| Loan loss allowance to noncurrent loans | 810.2857% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 2,954 |
| Noncurrent loans to loans | 0.1535% | 2,705 |
| Net loans and leases to total assets | 53.7500% | 3,288 |
| Net loans and leases to deposits | 87.6073% | 1,379 |
| Net loans and leases to core deposits | 98.2097% | 1,335 |
| Total domestic deposits to total assets | 61.3600% | 4,475 |
| Equity capital to assets | 21.6091% | 237 |
| Core capital (leverage) ratio | 24.4511% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $209,359,667 | 2,937 |
| Average earning assets | $196,503,000 | 2,916 |
| Average equity | $45,262,333 | 1,718 |
| Average total loans | $111,313,667 | 3,043 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,442 |
| Cost of funding earning assets | 1.0073% | 2,020 |
| Net interest margin | 2.9996% | 3,599 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8348% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9939% | 2,553 |
| Return on assets (ROA) | 0.9939% | 2,519 |
| Pretax return on assets | 1.2729% | 2,247 |
| Return on Equity (ROE) | 4.6000% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.1023% | 3,481 |
| Net charge-offs to loans | -0.0182% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0406% | 3,070 |
| Assets per employee ($millions) | 9.9769% | 705 |
| Cash dividends to net income (ytd only)* | 32.5000% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,151 |
| Loan loss allowance to noncurrent loans | 726.5306% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 2,878 |
| Noncurrent loans to loans | 0.1756% | 2,601 |
| Net loans and leases to total assets | 52.6100% | 3,307 |
| Net loans and leases to deposits | 81.6723% | 1,682 |
| Net loans and leases to core deposits | 91.5590% | 1,526 |
| Total domestic deposits to total assets | 64.4100% | 4,506 |
| Equity capital to assets | 21.9254% | 194 |
| Core capital (leverage) ratio | 24.4544% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $209,285,000 | 2,977 |
| Average earning assets | $196,160,500 | 2,950 |
| Average equity | $45,257,000 | 1,734 |
| Average total loans | $109,951,500 | 3,095 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 3,029 |
| Cost of funding earning assets | 0.4433% | 1,770 |
| Net interest margin | 3.0743% | 3,247 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8870% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0097% | 2,531 |
| Return on assets (ROA) | 1.0097% | 2,485 |
| Pretax return on assets | 1.2900% | 2,123 |
| Return on Equity (ROE) | 4.4700% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.7606% | 3,783 |
| Net charge-offs to loans | 0.0056% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 360 |
| Efficiency ratio | 59.3958% | 3,135 |
| Assets per employee ($millions) | 9.9550% | 686 |
| Cash dividends to net income (ytd only)* | 38.3080% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,695 |
| Loan loss allowance to noncurrent loans | 824.2938% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 2,957 |
| Noncurrent loans to loans | 0.1635% | 2,671 |
| Net loans and leases to total assets | 51.0900% | 3,425 |
| Net loans and leases to deposits | 75.8223% | 2,113 |
| Net loans and leases to core deposits | 83.5745% | 1,899 |
| Total domestic deposits to total assets | 67.3800% | 4,512 |
| Equity capital to assets | 21.3231% | 201 |
| Core capital (leverage) ratio | 24.6882% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $208,376,600 | 2,987 |
| Average earning assets | $195,587,600 | 2,967 |
| Average equity | $47,019,600 | 1,703 |
| Average total loans | $106,788,000 | 3,064 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 2,808 |
| Cost of funding earning assets | 0.3838% | 1,411 |
| Net interest margin | 3.0551% | 3,064 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.8577% | 3,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0252% | 2,389 |
| Return on assets (ROA) | 1.0252% | 2,362 |
| Pretax return on assets | 1.3115% | 2,008 |
| Return on Equity (ROE) | 4.4800% | 4,082 |
| Retained earnings to average equity (ytd only) | 2.6873% | 3,863 |
| Net charge-offs to loans | 0.0088% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 292.5714% | 482 |
| Efficiency ratio | 58.6179% | 3,313 |
| Assets per employee ($millions) | 8.3795% | 1,128 |
| Cash dividends to net income (ytd only)* | 40.0375% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,534 |
| Loan loss allowance to noncurrent loans | 1,944.0000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,541 |
| Noncurrent loans to loans | 0.0732% | 3,350 |
| Net loans and leases to total assets | 50.2000% | 3,439 |
| Net loans and leases to deposits | 75.0740% | 1,955 |
| Net loans and leases to core deposits | 84.5607% | 1,616 |
| Total domestic deposits to total assets | 66.8600% | 4,575 |
| Equity capital to assets | 21.8635% | 180 |
| Core capital (leverage) ratio | 24.6896% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $208,207,000 | 3,012 |
| Average earning assets | $195,951,500 | 2,980 |
| Average equity | $47,630,250 | 1,701 |
| Average total loans | $106,419,250 | 3,076 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 2,565 |
| Cost of funding earning assets | 0.3424% | 1,343 |
| Net interest margin | 3.0092% | 2,845 |
| Noninterest income to average assets | 0.2574% | 3,629 |
| Noninterest expense to average assets | 1.7894% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0201% | 2,087 |
| Return on assets (ROA) | 1.0201% | 2,056 |
| Pretax return on assets | 1.3060% | 1,726 |
| Return on Equity (ROE) | 4.3971% | 3,930 |
| Retained earnings to average equity (ytd only) | 2.4483% | 3,631 |
| Net charge-offs to loans | 0.0111% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 229.1667% | 498 |
| Efficiency ratio | 57.8091% | 3,587 |
| Assets per employee ($millions) | 8.9807% | 896 |
| Cash dividends to net income (ytd only)* | 44.3203% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,895 |
| Loan loss allowance to noncurrent loans | 497.9522% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,490 |
| Noncurrent loans to loans | 0.2745% | 2,378 |
| Net loans and leases to total assets | 50.9702% | 3,263 |
| Net loans and leases to deposits | 75.6646% | 1,712 |
| Net loans and leases to core deposits | 86.6940% | 1,285 |
| Total domestic deposits to total assets | 67.3633% | 4,643 |
| Equity capital to assets | 22.1286% | 130 |
| Core capital (leverage) ratio | 24.2721% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,573,667 | 3,026 |
| Average earning assets | $198,593,333 | 3,003 |
| Average equity | $48,850,667 | 1,707 |
| Average total loans | $107,757,667 | 3,097 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2904% | 2,414 |
| Cost of funding earning assets | 0.3294% | 1,385 |
| Net interest margin | 2.9610% | 2,636 |
| Noninterest income to average assets | 0.2239% | 3,819 |
| Noninterest expense to average assets | 1.7179% | 4,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0311% | 1,758 |
| Return on assets (ROA) | 1.0311% | 1,746 |
| Pretax return on assets | 1.3134% | 1,465 |
| Return on Equity (ROE) | 4.3473% | 3,796 |
| Retained earnings to average equity (ytd only) | 1.8722% | 3,579 |
| Net charge-offs to loans | 0.0222% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 116.3333% | 618 |
| Efficiency ratio | 56.6729% | 3,822 |
| Assets per employee ($millions) | 8.1215% | 1,300 |
| Cash dividends to net income (ytd only)* | 56.9343% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,119 |
| Loan loss allowance to noncurrent loans | 530.5455% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,675 |
| Noncurrent loans to loans | 0.2542% | 2,572 |
| Net loans and leases to total assets | 50.5375% | 3,124 |
| Net loans and leases to deposits | 75.1387% | 1,511 |
| Net loans and leases to core deposits | 88.8329% | 977 |
| Total domestic deposits to total assets | 67.2590% | 4,684 |
| Equity capital to assets | 23.0332% | 109 |
| Core capital (leverage) ratio | 24.4053% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,582,500 | 3,022 |
| Average earning assets | $201,556,000 | 3,001 |
| Average equity | $50,422,000 | 1,730 |
| Average total loans | $108,266,000 | 3,083 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 2,534 |
| Cost of funding earning assets | 0.3991% | 1,550 |
| Net interest margin | 3.1443% | 2,753 |
| Noninterest income to average assets | 0.2597% | 3,824 |
| Noninterest expense to average assets | 1.9469% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0258% | 2,575 |
| Return on assets (ROA) | 1.0186% | 2,676 |
| Pretax return on assets | 1.2966% | 2,370 |
| Return on Equity (ROE) | 4.0434% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.7768% | 3,735 |
| Net charge-offs to loans | 0.0255% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 100.1852% | 884 |
| Efficiency ratio | 58.1181% | 3,428 |
| Assets per employee ($millions) | 8.2310% | 1,204 |
| Cash dividends to net income (ytd only)* | 31.3270% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,123 |
| Loan loss allowance to noncurrent loans | 446.6463% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 2,645 |
| Noncurrent loans to loans | 0.3027% | 2,506 |
| Net loans and leases to total assets | 49.9488% | 3,282 |
| Net loans and leases to deposits | 75.2985% | 1,618 |
| Net loans and leases to core deposits | 88.3691% | 1,054 |
| Total domestic deposits to total assets | 66.3344% | 4,729 |
| Equity capital to assets | 24.3952% | 102 |
| Core capital (leverage) ratio | 24.9662% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,151,400 | 3,009 |
| Average earning assets | $197,180,400 | 2,978 |
| Average equity | $52,183,200 | 1,701 |
| Average total loans | $105,843,000 | 3,128 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 2,685 |
| Cost of funding earning assets | 0.4187% | 1,557 |
| Net interest margin | 3.1349% | 2,947 |
| Noninterest income to average assets | 0.2615% | 3,836 |
| Noninterest expense to average assets | 1.8756% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0696% | 2,653 |
| Return on assets (ROA) | 1.0696% | 2,720 |
| Pretax return on assets | 1.3649% | 2,453 |
| Return on Equity (ROE) | 4.2112% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.9437% | 3,924 |
| Net charge-offs to loans | 0.0291% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 91.4348% | 916 |
| Efficiency ratio | 55.5177% | 3,589 |
| Assets per employee ($millions) | 8.0158% | 1,262 |
| Cash dividends to net income (ytd only)* | 30.0971% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 2,003 |
| Loan loss allowance to noncurrent loans | 459.0625% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,875 |
| Noncurrent loans to loans | 0.3063% | 2,698 |
| Net loans and leases to total assets | 49.4201% | 3,479 |
| Net loans and leases to deposits | 76.2636% | 1,644 |
| Net loans and leases to core deposits | 90.7079% | 996 |
| Total domestic deposits to total assets | 64.8018% | 4,802 |
| Equity capital to assets | 25.2554% | 93 |
| Core capital (leverage) ratio | 24.7329% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,438,000 | 3,061 |
| Average earning assets | $195,216,750 | 3,030 |
| Average equity | $52,177,250 | 1,721 |
| Average total loans | $105,214,250 | 3,177 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 2,822 |
| Cost of funding earning assets | 0.4265% | 1,685 |
| Net interest margin | 3.1000% | 3,039 |
| Noninterest income to average assets | 0.2387% | 3,973 |
| Noninterest expense to average assets | 1.8411% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0497% | 2,723 |
| Return on assets (ROA) | 1.0497% | 2,800 |
| Pretax return on assets | 1.3343% | 2,539 |
| Return on Equity (ROE) | 4.1250% | 4,311 |
| Retained earnings to average equity (ytd only) | 2.8525% | 3,888 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2372% | 3,634 |
| Assets per employee ($millions) | 8.4051% | 1,038 |
| Cash dividends to net income (ytd only)* | 30.8481% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,081 |
| Loan loss allowance to noncurrent loans | 749.7487% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,395 |
| Noncurrent loans to loans | 0.1834% | 3,306 |
| Net loans and leases to total assets | 50.9375% | 3,458 |
| Net loans and leases to deposits | 77.1222% | 1,714 |
| Net loans and leases to core deposits | 90.7045% | 1,089 |
| Total domestic deposits to total assets | 66.0478% | 4,820 |
| Equity capital to assets | 24.8425% | 94 |
| Core capital (leverage) ratio | 24.9342% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,447,000 | 3,062 |
| Average earning assets | $193,679,667 | 3,035 |
| Average equity | $52,024,667 | 1,716 |
| Average total loans | $105,463,667 | 3,188 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 3,309 |
| Cost of funding earning assets | 0.4249% | 1,899 |
| Net interest margin | 2.9348% | 3,426 |
| Noninterest income to average assets | 0.2401% | 3,956 |
| Noninterest expense to average assets | 1.9186% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8889% | 3,157 |
| Return on assets (ROA) | 0.8889% | 3,242 |
| Pretax return on assets | 1.1170% | 3,073 |
| Return on Equity (ROE) | 3.4504% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.1796% | 3,973 |
| Net charge-offs to loans | 0.0154% | 1,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 140.7500% | 506 |
| Efficiency ratio | 60.3268% | 2,991 |
| Assets per employee ($millions) | 8.5050% | 987 |
| Cash dividends to net income (ytd only)* | 36.8304% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,988 |
| Loan loss allowance to noncurrent loans | 393.3862% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,059 |
| Noncurrent loans to loans | 0.3542% | 2,810 |
| Net loans and leases to total assets | 51.5552% | 3,490 |
| Net loans and leases to deposits | 78.7945% | 1,637 |
| Net loans and leases to core deposits | 89.5609% | 1,258 |
| Total domestic deposits to total assets | 65.4300% | 4,847 |
| Equity capital to assets | 25.3313% | 88 |
| Core capital (leverage) ratio | 25.4135% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,606,500 | 3,079 |
| Average earning assets | $192,037,500 | 3,042 |
| Average equity | $51,936,500 | 1,711 |
| Average total loans | $103,932,500 | 3,210 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 3,835 |
| Cost of funding earning assets | 0.5411% | 2,670 |
| Net interest margin | 3.0474% | 3,762 |
| Noninterest income to average assets | 0.2624% | 3,908 |
| Noninterest expense to average assets | 1.8974% | 4,324 |
| Loan and lease loss provision to assets | 0.0306% | 4,015 |
| Net operating income to assets | 0.9507% | 2,478 |
| Return on assets (ROA) | 0.9507% | 2,626 |
| Pretax return on assets | 1.2039% | 2,308 |
| Return on Equity (ROE) | 3.6457% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.3933% | 3,667 |
| Net charge-offs to loans | 0.0989% | 1,482 |
| Credit loss provision to net charge-offs | 61.8557% | 3,082 |
| Earnings coverage of net charge-offs (x) | 24.9794% | 1,755 |
| Efficiency ratio | 57.7192% | 3,766 |
| Assets per employee ($millions) | 7.6575% | 1,186 |
| Cash dividends to net income (ytd only)* | 34.3516% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,672 |
| Loan loss allowance to noncurrent loans | 507.4830% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,376 |
| Noncurrent loans to loans | 0.2907% | 3,158 |
| Net loans and leases to total assets | 50.0527% | 3,821 |
| Net loans and leases to deposits | 76.4074% | 2,237 |
| Net loans and leases to core deposits | 87.0848% | 1,787 |
| Total domestic deposits to total assets | 65.5078% | 4,853 |
| Equity capital to assets | 26.2022% | 83 |
| Core capital (leverage) ratio | 25.1521% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,273,200 | 2,970 |
| Average earning assets | $184,810,800 | 2,951 |
| Average equity | $51,184,000 | 1,659 |
| Average total loans | $98,046,400 | 3,261 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 3,950 |
| Cost of funding earning assets | 0.5651% | 2,838 |
| Net interest margin | 3.0637% | 3,832 |
| Noninterest income to average assets | 0.2727% | 3,834 |
| Noninterest expense to average assets | 1.8864% | 4,350 |
| Loan and lease loss provision to assets | 0.0409% | 3,836 |
| Net operating income to assets | 0.9620% | 2,482 |
| Return on assets (ROA) | 0.9620% | 2,617 |
| Pretax return on assets | 1.2210% | 2,320 |
| Return on Equity (ROE) | 3.6933% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.4343% | 3,769 |
| Net charge-offs to loans | 0.0315% | 2,201 |
| Credit loss provision to net charge-offs | 260.8696% | 1,892 |
| Earnings coverage of net charge-offs (x) | 80.4783% | 921 |
| Efficiency ratio | 57.0377% | 3,790 |
| Assets per employee ($millions) | 7.5209% | 1,199 |
| Cash dividends to net income (ytd only)* | 34.0893% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,141 |
| Loan loss allowance to noncurrent loans | 392.4812% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 3,305 |
| Noncurrent loans to loans | 0.4041% | 2,848 |
| Net loans and leases to total assets | 47.8551% | 4,221 |
| Net loans and leases to deposits | 77.1393% | 2,637 |
| Net loans and leases to core deposits | 88.5771% | 2,096 |
| Total domestic deposits to total assets | 62.0373% | 4,911 |
| Equity capital to assets | 25.5903% | 94 |
| Core capital (leverage) ratio | 24.9036% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,568,000 | 2,960 |
| Average earning assets | $183,566,500 | 2,946 |
| Average equity | $50,938,250 | 1,656 |
| Average total loans | $97,272,000 | 3,283 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 3,925 |
| Cost of funding earning assets | 0.5994% | 2,967 |
| Net interest margin | 3.1779% | 3,726 |
| Noninterest income to average assets | 0.2341% | 4,078 |
| Noninterest expense to average assets | 1.8480% | 4,486 |
| Loan and lease loss provision to assets | 0.0259% | 3,933 |
| Net operating income to assets | 1.0577% | 2,116 |
| Return on assets (ROA) | 1.0577% | 2,249 |
| Pretax return on assets | 1.3425% | 1,892 |
| Return on Equity (ROE) | 4.0359% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.7670% | 3,476 |
| Net charge-offs to loans | 0.0351% | 2,035 |
| Credit loss provision to net charge-offs | 147.0588% | 2,144 |
| Earnings coverage of net charge-offs (x) | 77.7059% | 826 |
| Efficiency ratio | 54.5894% | 4,107 |
| Assets per employee ($millions) | 8.1738% | 912 |
| Cash dividends to net income (ytd only)* | 31.4398% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,222 |
| Loan loss allowance to noncurrent loans | 878.2857% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 3,947 |
| Noncurrent loans to loans | 0.1723% | 3,759 |
| Net loans and leases to total assets | 48.9430% | 4,212 |
| Net loans and leases to deposits | 78.1521% | 2,635 |
| Net loans and leases to core deposits | 88.5728% | 2,191 |
| Total domestic deposits to total assets | 62.6253% | 4,935 |
| Equity capital to assets | 25.2922% | 99 |
| Core capital (leverage) ratio | 25.4374% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,069,000 | 2,962 |
| Average earning assets | $181,188,333 | 2,946 |
| Average equity | $50,596,000 | 1,653 |
| Average total loans | $96,781,667 | 3,289 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8445% | 4,146 |
| Cost of funding earning assets | 0.6535% | 3,151 |
| Net interest margin | 3.1910% | 3,884 |
| Noninterest income to average assets | 0.2732% | 3,895 |
| Noninterest expense to average assets | 1.9356% | 4,509 |
| Loan and lease loss provision to assets | 0.0534% | 3,108 |
| Net operating income to assets | 1.0350% | 2,059 |
| Return on assets (ROA) | 1.0350% | 2,156 |
| Pretax return on assets | 1.3061% | 1,855 |
| Return on Equity (ROE) | 3.8759% | 3,984 |
| Retained earnings to average equity (ytd only) | 2.5973% | 3,231 |
| Net charge-offs to loans | 0.0042% | 2,425 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 637.0000% | 94 |
| Efficiency ratio | 55.8938% | 4,216 |
| Assets per employee ($millions) | 7.4423% | 916 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 993 |
| Loan loss allowance to noncurrent loans | 352.1542% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 3,366 |
| Noncurrent loans to loans | 0.4635% | 2,860 |
| Net loans and leases to total assets | 50.3023% | 4,228 |
| Net loans and leases to deposits | 83.3899% | 2,295 |
| Net loans and leases to core deposits | 92.4273% | 2,115 |
| Total domestic deposits to total assets | 60.3218% | 5,021 |
| Equity capital to assets | 26.9649% | 92 |
| Core capital (leverage) ratio | 26.7565% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,431,500 | 2,980 |
| Average earning assets | $177,500,000 | 2,943 |
| Average equity | $50,052,500 | 1,663 |
| Average total loans | $94,398,000 | 3,311 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 4,401 |
| Cost of funding earning assets | 0.6708% | 3,311 |
| Net interest margin | 3.2461% | 4,089 |
| Noninterest income to average assets | 0.2927% | 3,936 |
| Noninterest expense to average assets | 2.0009% | 4,529 |
| Loan and lease loss provision to assets | 0.0164% | 3,691 |
| Net operating income to assets | 1.0884% | 2,484 |
| Return on assets (ROA) | 1.0884% | 2,585 |
| Pretax return on assets | 1.3624% | 2,287 |
| Return on Equity (ROE) | 4.0617% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.7896% | 3,645 |
| Net charge-offs to loans | -0.1540% | 5,023 |
| Credit loss provision to net charge-offs | -20.6897% | 4,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3483% | 4,165 |
| Assets per employee ($millions) | 7.2618% | 952 |
| Cash dividends to net income (ytd only)* | 31.3192% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 911 |
| Loan loss allowance to noncurrent loans | 430.7042% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,559 |
| Noncurrent loans to loans | 0.3791% | 3,078 |
| Net loans and leases to total assets | 48.7924% | 4,380 |
| Net loans and leases to deposits | 78.4026% | 2,965 |
| Net loans and leases to core deposits | 86.2413% | 2,775 |
| Total domestic deposits to total assets | 62.2332% | 5,068 |
| Equity capital to assets | 26.4478% | 109 |
| Core capital (leverage) ratio | 26.7585% | 105 |
| Tier 1 risk-based capital ratio | 47.3473% | 156 |
| Total risk-based capital ratio | 48.5997% | 154 |
| Memoranda: | ||
| Average total assets | $182,468,800 | 2,988 |
| Average earning assets | $173,530,400 | 2,945 |
| Average equity | $48,895,800 | 1,635 |
| Average total loans | $94,166,000 | 3,316 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 4,494 |
| Cost of funding earning assets | 0.6724% | 3,342 |
| Net interest margin | 3.2565% | 4,171 |
| Noninterest income to average assets | 0.2801% | 4,069 |
| Noninterest expense to average assets | 1.8899% | 4,710 |
| Loan and lease loss provision to assets | 0.0221% | 3,473 |
| Net operating income to assets | 1.1683% | 2,307 |
| Return on assets (ROA) | 1.1683% | 2,390 |
| Pretax return on assets | 1.4771% | 2,027 |
| Return on Equity (ROE) | 4.3451% | 4,520 |
| Retained earnings to average equity (ytd only) | 3.0649% | 3,862 |
| Net charge-offs to loans | -0.2460% | 5,137 |
| Credit loss provision to net charge-offs | -17.2414% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8708% | 4,522 |
| Assets per employee ($millions) | 6.9936% | 1,026 |
| Cash dividends to net income (ytd only)* | 29.4637% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 802 |
| Loan loss allowance to noncurrent loans | 271.9023% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,283 |
| Noncurrent loans to loans | 0.6289% | 2,400 |
| Net loans and leases to total assets | 49.2474% | 4,469 |
| Net loans and leases to deposits | 82.4636% | 2,624 |
| Net loans and leases to core deposits | 91.9762% | 2,373 |
| Total domestic deposits to total assets | 59.7202% | 5,165 |
| Equity capital to assets | 27.2811% | 97 |
| Core capital (leverage) ratio | 27.2303% | 96 |
| Tier 1 risk-based capital ratio | 45.8382% | 170 |
| Total risk-based capital ratio | 47.0904% | 167 |
| Memoranda: | ||
| Average total assets | $180,884,500 | 3,036 |
| Average earning assets | $172,697,750 | 2,982 |
| Average equity | $48,636,000 | 1,642 |
| Average total loans | $94,294,500 | 3,348 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 4,367 |
| Cost of funding earning assets | 0.6573% | 3,369 |
| Net interest margin | 3.3468% | 4,036 |
| Noninterest income to average assets | 0.2448% | 4,282 |
| Noninterest expense to average assets | 1.8951% | 4,759 |
| Loan and lease loss provision to assets | 0.0332% | 3,162 |
| Net operating income to assets | 1.2007% | 2,147 |
| Return on assets (ROA) | 1.2007% | 2,209 |
| Pretax return on assets | 1.5086% | 1,832 |
| Return on Equity (ROE) | 4.4874% | 4,471 |
| Retained earnings to average equity (ytd only) | 3.2000% | 3,626 |
| Net charge-offs to loans | 0.0126% | 2,687 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 345 |
| Efficiency ratio | 52.3042% | 4,631 |
| Assets per employee ($millions) | 6.9472% | 1,021 |
| Cash dividends to net income (ytd only)* | 28.6900% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,482 |
| Loan loss allowance to noncurrent loans | 306.2222% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,543 |
| Noncurrent loans to loans | 0.4678% | 2,879 |
| Net loans and leases to total assets | 52.4974% | 4,323 |
| Net loans and leases to deposits | 88.6298% | 1,920 |
| Net loans and leases to core deposits | 99.1748% | 1,793 |
| Total domestic deposits to total assets | 59.2322% | 5,215 |
| Equity capital to assets | 27.2466% | 95 |
| Core capital (leverage) ratio | 26.9660% | 98 |
| Tier 1 risk-based capital ratio | 45.9986% | 166 |
| Total risk-based capital ratio | 47.2489% | 163 |
| Memoranda: | ||
| Average total assets | $180,568,330 | 3,049 |
| Average earning assets | $172,222,330 | 3,000 |
| Average equity | $48,312,670 | 1,649 |
| Average total loans | $95,357,330 | 3,349 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 4,334 |
| Cost of funding earning assets | 0.6387% | 3,360 |
| Net interest margin | 3.3776% | 3,949 |
| Noninterest income to average assets | 0.2437% | 4,262 |
| Noninterest expense to average assets | 1.9121% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2009% | 2,052 |
| Return on assets (ROA) | 1.2009% | 2,102 |
| Pretax return on assets | 1.5421% | 1,630 |
| Return on Equity (ROE) | 4.5297% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.2343% | 3,633 |
| Net charge-offs to loans | 0.0590% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 49.7143% | 1,031 |
| Efficiency ratio | 52.5337% | 4,656 |
| Assets per employee ($millions) | 6.8333% | 1,071 |
| Cash dividends to net income (ytd only)* | 28.5978% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,625 |
| Loan loss allowance to noncurrent loans | 194.7674% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,034 |
| Noncurrent loans to loans | 0.7258% | 2,208 |
| Net loans and leases to total assets | 52.5964% | 4,297 |
| Net loans and leases to deposits | 88.8380% | 1,764 |
| Net loans and leases to core deposits | 99.5897% | 1,657 |
| Total domestic deposits to total assets | 59.2049% | 5,284 |
| Equity capital to assets | 27.1673% | 92 |
| Core capital (leverage) ratio | 26.7568% | 94 |
| Tier 1 risk-based capital ratio | 45.5842% | 166 |
| Total risk-based capital ratio | 46.8341% | 165 |
| Memoranda: | ||
| Average total assets | $180,538,500 | 3,079 |
| Average earning assets | $171,600,500 | 3,037 |
| Average equity | $47,861,500 | 1,646 |
| Average total loans | $94,934,500 | 3,389 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,565 |
| Cost of funding earning assets | 0.5201% | 3,226 |
| Net interest margin | 3.2439% | 4,404 |
| Noninterest income to average assets | 0.1963% | 4,727 |
| Noninterest expense to average assets | 2.0405% | 4,679 |
| Loan and lease loss provision to assets | 0.0276% | 3,623 |
| Net operating income to assets | 0.9830% | 3,089 |
| Return on assets (ROA) | 0.9755% | 3,117 |
| Pretax return on assets | 1.2127% | 2,838 |
| Return on Equity (ROE) | 3.7636% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.4771% | 4,151 |
| Net charge-offs to loans | 0.0251% | 2,902 |
| Credit loss provision to net charge-offs | 217.3913% | 1,332 |
| Earnings coverage of net charge-offs (x) | 98.2609% | 745 |
| Efficiency ratio | 59.0588% | 4,002 |
| Assets per employee ($millions) | 7.3364% | 854 |
| Cash dividends to net income (ytd only)* | 34.1837% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,545 |
| Loan loss allowance to noncurrent loans | 237.1278% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 3,314 |
| Noncurrent loans to loans | 0.6005% | 2,480 |
| Net loans and leases to total assets | 51.1033% | 4,449 |
| Net loans and leases to deposits | 85.5949% | 2,330 |
| Net loans and leases to core deposits | 95.1515% | 2,120 |
| Total domestic deposits to total assets | 59.7036% | 5,322 |
| Equity capital to assets | 25.8741% | 99 |
| Core capital (leverage) ratio | 25.8901% | 94 |
| Tier 1 risk-based capital ratio | 44.8575% | 177 |
| Total risk-based capital ratio | 46.1077% | 175 |
| Memoranda: | ||
| Average total assets | $180,835,200 | 3,050 |
| Average earning assets | $172,477,200 | 2,998 |
| Average equity | $46,870,200 | 1,603 |
| Average total loans | $91,732,000 | 3,442 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,668 |
| Cost of funding earning assets | 0.4646% | 3,427 |
| Net interest margin | 3.2260% | 4,465 |
| Noninterest income to average assets | 0.2901% | 4,218 |
| Noninterest expense to average assets | 1.8928% | 4,915 |
| Loan and lease loss provision to assets | 0.0185% | 3,642 |
| Net operating income to assets | 1.1647% | 2,392 |
| Return on assets (ROA) | 1.1647% | 2,398 |
| Pretax return on assets | 1.4666% | 2,011 |
| Return on Equity (ROE) | 4.4915% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.2017% | 4,142 |
| Net charge-offs to loans | 0.0059% | 3,227 |
| Credit loss provision to net charge-offs | 625.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 502.0507% | 186 |
| Efficiency ratio | 53.1216% | 4,697 |
| Assets per employee ($millions) | 7.2621% | 850 |
| Cash dividends to net income (ytd only)* | 28.7166% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,510 |
| Loan loss allowance to noncurrent loans | 170.8492% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 2,949 |
| Noncurrent loans to loans | 0.8503% | 2,003 |
| Net loans and leases to total assets | 50.3693% | 4,568 |
| Net loans and leases to deposits | 83.9888% | 2,599 |
| Net loans and leases to core deposits | 93.7370% | 2,313 |
| Total domestic deposits to total assets | 59.9715% | 5,393 |
| Equity capital to assets | 25.8029% | 102 |
| Core capital (leverage) ratio | 26.2327% | 94 |
| Tier 1 risk-based capital ratio | 45.5973% | 171 |
| Total risk-based capital ratio | 46.8481% | 170 |
| Memoranda: | ||
| Average total assets | $180,191,250 | 3,072 |
| Average earning assets | $172,469,000 | 3,022 |
| Average equity | $46,723,750 | 1,602 |
| Average total loans | $90,894,250 | 3,487 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,637 |
| Cost of funding earning assets | 0.4375% | 3,440 |
| Net interest margin | 3.2393% | 4,410 |
| Noninterest income to average assets | 0.2459% | 4,535 |
| Noninterest expense to average assets | 1.8460% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1884% | 2,247 |
| Return on assets (ROA) | 1.1884% | 2,245 |
| Pretax return on assets | 1.4977% | 1,821 |
| Return on Equity (ROE) | 4.5755% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.2817% | 3,930 |
| Net charge-offs to loans | 0.0111% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 269.2000% | 334 |
| Efficiency ratio | 52.2795% | 4,858 |
| Assets per employee ($millions) | 6.9454% | 951 |
| Cash dividends to net income (ytd only)* | 28.2772% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,584 |
| Loan loss allowance to noncurrent loans | 221.9799% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 3,441 |
| Noncurrent loans to loans | 0.6504% | 2,486 |
| Net loans and leases to total assets | 50.0091% | 4,606 |
| Net loans and leases to deposits | 81.4039% | 2,825 |
| Net loans and leases to core deposits | 90.1591% | 2,558 |
| Total domestic deposits to total assets | 61.4334% | 5,442 |
| Equity capital to assets | 25.9175% | 102 |
| Core capital (leverage) ratio | 26.1895% | 96 |
| Tier 1 risk-based capital ratio | 45.0798% | 173 |
| Total risk-based capital ratio | 46.3295% | 172 |
| Memoranda: | ||
| Average total assets | $179,737,330 | 3,098 |
| Average earning assets | $171,887,330 | 3,047 |
| Average equity | $46,683,000 | 1,610 |
| Average total loans | $90,260,670 | 3,509 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,532 |
| Cost of funding earning assets | 0.3972% | 3,612 |
| Net interest margin | 3.2755% | 4,251 |
| Noninterest income to average assets | 0.2677% | 4,384 |
| Noninterest expense to average assets | 1.8983% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1800% | 2,093 |
| Return on assets (ROA) | 1.1800% | 2,104 |
| Pretax return on assets | 1.4968% | 1,690 |
| Return on Equity (ROE) | 4.5385% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.2430% | 3,912 |
| Net charge-offs to loans | 0.0268% | 1,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 111.8333% | 561 |
| Efficiency ratio | 52.9566% | 4,885 |
| Assets per employee ($millions) | 6.8255% | 1,036 |
| Cash dividends to net income (ytd only)* | 28.5444% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,547 |
| Loan loss allowance to noncurrent loans | 294.2094% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,854 |
| Noncurrent loans to loans | 0.5022% | 3,007 |
| Net loans and leases to total assets | 49.6332% | 4,587 |
| Net loans and leases to deposits | 80.1239% | 2,798 |
| Net loans and leases to core deposits | 88.9007% | 2,552 |
| Total domestic deposits to total assets | 61.9455% | 5,509 |
| Equity capital to assets | 26.2138% | 92 |
| Core capital (leverage) ratio | 26.0849% | 95 |
| Tier 1 risk-based capital ratio | 46.7633% | 153 |
| Total risk-based capital ratio | 48.0145% | 151 |
| Memoranda: | ||
| Average total assets | $179,315,500 | 3,133 |
| Average earning assets | $171,212,500 | 3,082 |
| Average equity | $46,623,500 | 1,624 |
| Average total loans | $89,576,000 | 3,554 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 4,747 |
| Cost of funding earning assets | 0.3346% | 3,835 |
| Net interest margin | 3.1905% | 4,472 |
| Noninterest income to average assets | 0.3243% | 4,146 |
| Noninterest expense to average assets | 2.0455% | 4,886 |
| Loan and lease loss provision to assets | 0.0280% | 3,717 |
| Net operating income to assets | 1.0033% | 2,225 |
| Return on assets (ROA) | 1.0037% | 2,261 |
| Pretax return on assets | 1.3062% | 2,320 |
| Return on Equity (ROE) | 3.7678% | 4,575 |
| Retained earnings to average equity (ytd only) | -1.4886% | 5,225 |
| Net charge-offs to loans | 0.5391% | 435 |
| Credit loss provision to net charge-offs | 10.7527% | 3,661 |
| Earnings coverage of net charge-offs (x) | 5.1204% | 3,373 |
| Efficiency ratio | 57.6164% | 4,573 |
| Assets per employee ($millions) | 6.7099% | 1,102 |
| Cash dividends to net income (ytd only)* | 139.5089% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,485 |
| Loan loss allowance to noncurrent loans | 274.1736% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,821 |
| Noncurrent loans to loans | 0.5393% | 2,882 |
| Net loans and leases to total assets | 48.8075% | 4,717 |
| Net loans and leases to deposits | 78.3433% | 3,083 |
| Net loans and leases to core deposits | 86.9014% | 2,834 |
| Total domestic deposits to total assets | 62.2994% | 5,566 |
| Equity capital to assets | 25.7922% | 89 |
| Core capital (leverage) ratio | 26.2830% | 88 |
| Tier 1 risk-based capital ratio | 45.9312% | 148 |
| Total risk-based capital ratio | 47.1824% | 149 |
| Memoranda: | ||
| Average total assets | $178,535,000 | 3,137 |
| Average earning assets | $170,947,200 | 3,058 |
| Average equity | $47,560,800 | 1,577 |
| Average total loans | $86,254,800 | 3,605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,784 |
| Cost of funding earning assets | 0.3247% | 3,893 |
| Net interest margin | 3.1884% | 4,480 |
| Noninterest income to average assets | 0.2998% | 4,381 |
| Noninterest expense to average assets | 1.8911% | 5,145 |
| Loan and lease loss provision to assets | 0.0375% | 3,358 |
| Net operating income to assets | 0.9949% | 2,577 |
| Return on assets (ROA) | 0.9954% | 2,625 |
| Pretax return on assets | 1.4339% | 1,996 |
| Return on Equity (ROE) | 3.7066% | 4,940 |
| Retained earnings to average equity (ytd only) | -2.8776% | 5,479 |
| Net charge-offs to loans | 0.7511% | 247 |
| Credit loss provision to net charge-offs | 10.3950% | 3,221 |
| Earnings coverage of net charge-offs (x) | 4.0790% | 3,270 |
| Efficiency ratio | 53.2887% | 4,986 |
| Assets per employee ($millions) | 6.7434% | 1,052 |
| Cash dividends to net income (ytd only)* | 177.6355% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,378 |
| Loan loss allowance to noncurrent loans | 227.2097% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,738 |
| Noncurrent loans to loans | 0.6801% | 2,668 |
| Net loans and leases to total assets | 47.6396% | 4,850 |
| Net loans and leases to deposits | 76.8069% | 3,296 |
| Net loans and leases to core deposits | 85.9754% | 2,972 |
| Total domestic deposits to total assets | 62.0251% | 5,636 |
| Equity capital to assets | 26.7634% | 84 |
| Core capital (leverage) ratio | 25.7445% | 90 |
| Tier 1 risk-based capital ratio | 47.9789% | 141 |
| Total risk-based capital ratio | 49.2306% | 137 |
| Memoranda: | ||
| Average total assets | $177,877,000 | 3,172 |
| Average earning assets | $170,825,750 | 3,087 |
| Average equity | $47,769,250 | 1,592 |
| Average total loans | $85,381,000 | 3,652 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,729 |
| Cost of funding earning assets | 0.3095% | 3,983 |
| Net interest margin | 3.2051% | 4,405 |
| Noninterest income to average assets | 0.2831% | 4,532 |
| Noninterest expense to average assets | 1.9102% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9903% | 2,467 |
| Return on assets (ROA) | 0.9903% | 2,522 |
| Pretax return on assets | 1.4435% | 1,845 |
| Return on Equity (ROE) | 3.6836% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.4349% | 4,224 |
| Net charge-offs to loans | 0.5142% | 379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.8636% | 2,769 |
| Efficiency ratio | 54.0207% | 5,018 |
| Assets per employee ($millions) | 6.6932% | 1,056 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 993 |
| Loan loss allowance to noncurrent loans | 233.7942% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,634 |
| Noncurrent loans to loans | 0.7444% | 2,537 |
| Net loans and leases to total assets | 47.5528% | 4,848 |
| Net loans and leases to deposits | 80.0171% | 2,909 |
| Net loans and leases to core deposits | 89.4477% | 2,578 |
| Total domestic deposits to total assets | 59.4283% | 5,703 |
| Equity capital to assets | 26.9034% | 77 |
| Core capital (leverage) ratio | 26.6578% | 83 |
| Tier 1 risk-based capital ratio | 48.2181% | 137 |
| Total risk-based capital ratio | 49.4715% | 136 |
| Memoranda: | ||
| Average total assets | $178,726,330 | 3,170 |
| Average earning assets | $171,228,000 | 3,094 |
| Average equity | $48,051,000 | 1,584 |
| Average total loans | $85,562,330 | 3,665 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 4,863 |
| Cost of funding earning assets | 0.2842% | 4,207 |
| Net interest margin | 3.1542% | 4,489 |
| Noninterest income to average assets | 0.3443% | 4,089 |
| Noninterest expense to average assets | 1.8702% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0128% | 2,251 |
| Return on assets (ROA) | 1.0128% | 2,302 |
| Pretax return on assets | 1.4966% | 1,540 |
| Return on Equity (ROE) | 3.7683% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.5122% | 4,138 |
| Net charge-offs to loans | 0.0284% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 110.8333% | 493 |
| Efficiency ratio | 52.6070% | 5,239 |
| Assets per employee ($millions) | 6.8333% | 1,025 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 653 |
| Loan loss allowance to noncurrent loans | 189.9344% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 3,168 |
| Noncurrent loans to loans | 1.0621% | 1,926 |
| Net loans and leases to total assets | 47.4612% | 4,859 |
| Net loans and leases to deposits | 79.6701% | 2,791 |
| Net loans and leases to core deposits | 89.0929% | 2,448 |
| Total domestic deposits to total assets | 59.5722% | 5,771 |
| Equity capital to assets | 27.0526% | 79 |
| Core capital (leverage) ratio | 26.9039% | 80 |
| Tier 1 risk-based capital ratio | 48.5539% | 139 |
| Total risk-based capital ratio | 49.8106% | 138 |
| Memoranda: | ||
| Average total assets | $177,731,000 | 3,208 |
| Average earning assets | $170,313,500 | 3,131 |
| Average equity | $47,767,000 | 1,592 |
| Average total loans | $84,614,500 | 3,712 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2741% | 5,198 |
| Cost of funding earning assets | 0.2678% | 4,391 |
| Net interest margin | 3.0064% | 4,945 |
| Noninterest income to average assets | 0.2774% | 4,757 |
| Noninterest expense to average assets | 1.9430% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8601% | 3,024 |
| Return on assets (ROA) | 0.8495% | 3,181 |
| Pretax return on assets | 1.2031% | 2,660 |
| Return on Equity (ROE) | 3.1784% | 5,107 |
| Retained earnings to average equity (ytd only) | -5.3751% | 5,688 |
| Net charge-offs to loans | 0.1308% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 20.4766% | 1,851 |
| Efficiency ratio | 60.4291% | 4,521 |
| Assets per employee ($millions) | 6.5851% | 1,108 |
| Cash dividends to net income (ytd only)* | 269.1099% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 551 |
| Loan loss allowance to noncurrent loans | 184.1438% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 3,147 |
| Noncurrent loans to loans | 1.1374% | 1,804 |
| Net loans and leases to total assets | 45.7989% | 5,029 |
| Net loans and leases to deposits | 74.6849% | 3,450 |
| Net loans and leases to core deposits | 83.4784% | 3,075 |
| Total domestic deposits to total assets | 61.3227% | 5,816 |
| Equity capital to assets | 26.6996% | 83 |
| Core capital (leverage) ratio | 26.2323% | 86 |
| Tier 1 risk-based capital ratio | 49.3876% | 138 |
| Total risk-based capital ratio | 50.6450% | 138 |
| Memoranda: | ||
| Average total assets | $179,874,200 | 3,166 |
| Average earning assets | $172,533,400 | 3,084 |
| Average equity | $48,073,800 | 1,576 |
| Average total loans | $81,821,200 | 3,765 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 5,262 |
| Cost of funding earning assets | 0.2646% | 4,452 |
| Net interest margin | 2.9977% | 5,017 |
| Noninterest income to average assets | 0.2520% | 4,959 |
| Noninterest expense to average assets | 1.6689% | 5,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9882% | 2,488 |
| Return on assets (ROA) | 0.9727% | 2,686 |
| Pretax return on assets | 1.4405% | 1,914 |
| Return on Equity (ROE) | 3.6384% | 5,040 |
| Retained earnings to average equity (ytd only) | -6.8594% | 5,789 |
| Net charge-offs to loans | 0.1719% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.8566% | 1,971 |
| Efficiency ratio | 52.9023% | 5,319 |
| Assets per employee ($millions) | 6.5033% | 1,102 |
| Cash dividends to net income (ytd only)* | 288.5263% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1075% | 597 |
| Loan loss allowance to noncurrent loans | 174.2258% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 3,335 |
| Noncurrent loans to loans | 1.2096% | 1,855 |
| Net loans and leases to total assets | 42.9539% | 5,255 |
| Net loans and leases to deposits | 77.4272% | 3,252 |
| Net loans and leases to core deposits | 87.4270% | 2,811 |
| Total domestic deposits to total assets | 55.4766% | 5,917 |
| Equity capital to assets | 25.8162% | 94 |
| Core capital (leverage) ratio | 26.0049% | 87 |
| Tier 1 risk-based capital ratio | 44.3704% | 180 |
| Total risk-based capital ratio | 45.6253% | 180 |
| Memoranda: | ||
| Average total assets | $180,393,250 | 3,176 |
| Average earning assets | $173,327,250 | 3,088 |
| Average equity | $48,224,500 | 1,576 |
| Average total loans | $81,460,750 | 3,790 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 5,106 |
| Cost of funding earning assets | 0.2658% | 4,490 |
| Net interest margin | 3.1229% | 4,769 |
| Noninterest income to average assets | 0.2116% | 5,225 |
| Noninterest expense to average assets | 1.5614% | 5,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1325% | 1,842 |
| Return on assets (ROA) | 1.1325% | 1,957 |
| Pretax return on assets | 1.6526% | 1,216 |
| Return on Equity (ROE) | 4.1856% | 4,840 |
| Retained earnings to average equity (ytd only) | 2.9748% | 4,022 |
| Net charge-offs to loans | 0.2493% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.5347% | 2,053 |
| Efficiency ratio | 48.5814% | 5,644 |
| Assets per employee ($millions) | 6.6600% | 1,021 |
| Cash dividends to net income (ytd only)* | 28.9264% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 598 |
| Loan loss allowance to noncurrent loans | 165.1229% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 3,185 |
| Noncurrent loans to loans | 1.2879% | 1,760 |
| Net loans and leases to total assets | 46.4336% | 5,103 |
| Net loans and leases to deposits | 90.9897% | 1,634 |
| Net loans and leases to core deposits | 103.0702% | 1,395 |
| Total domestic deposits to total assets | 51.0317% | 6,005 |
| Equity capital to assets | 28.0927% | 66 |
| Core capital (leverage) ratio | 27.5421% | 68 |
| Tier 1 risk-based capital ratio | 49.8996% | 134 |
| Total risk-based capital ratio | 51.1572% | 132 |
| Memoranda: | ||
| Average total assets | $177,659,330 | 3,218 |
| Average earning assets | $170,805,330 | 3,131 |
| Average equity | $48,070,000 | 1,578 |
| Average total loans | $81,030,000 | 3,825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 5,047 |
| Cost of funding earning assets | 0.2596% | 4,614 |
| Net interest margin | 3.1710% | 4,671 |
| Noninterest income to average assets | 0.2335% | 5,072 |
| Noninterest expense to average assets | 1.5363% | 5,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2051% | 1,539 |
| Return on assets (ROA) | 1.2051% | 1,641 |
| Pretax return on assets | 1.7387% | 970 |
| Return on Equity (ROE) | 4.5372% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.3234% | 3,833 |
| Net charge-offs to loans | 0.0050% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 62 |
| Efficiency ratio | 46.9111% | 5,772 |
| Assets per employee ($millions) | 6.8250% | 960 |
| Cash dividends to net income (ytd only)* | 26.7528% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 513 |
| Loan loss allowance to noncurrent loans | 180.2927% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 3,333 |
| Noncurrent loans to loans | 1.2731% | 1,895 |
| Net loans and leases to total assets | 44.3294% | 5,225 |
| Net loans and leases to deposits | 90.3984% | 1,532 |
| Net loans and leases to core deposits | 102.6825% | 1,286 |
| Total domestic deposits to total assets | 49.0378% | 6,072 |
| Equity capital to assets | 27.1402% | 69 |
| Core capital (leverage) ratio | 26.9506% | 71 |
| Tier 1 risk-based capital ratio | 49.7482% | 135 |
| Total risk-based capital ratio | 51.0072% | 134 |
| Memoranda: | ||
| Average total assets | $179,909,500 | 3,203 |
| Average earning assets | $172,563,000 | 3,125 |
| Average equity | $47,782,500 | 1,581 |
| Average total loans | $80,469,500 | 3,844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 5,389 |
| Cost of funding earning assets | 0.2020% | 5,273 |
| Net interest margin | 3.0732% | 4,971 |
| Noninterest income to average assets | 0.2672% | 4,958 |
| Noninterest expense to average assets | 1.7200% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0489% | 2,128 |
| Return on assets (ROA) | 1.0489% | 2,215 |
| Pretax return on assets | 1.5086% | 1,527 |
| Return on Equity (ROE) | 4.1142% | 4,897 |
| Retained earnings to average equity (ytd only) | 2.9639% | 3,954 |
| Net charge-offs to loans | 0.0142% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 253.0000% | 281 |
| Efficiency ratio | 53.2740% | 5,568 |
| Assets per employee ($millions) | 7.2948% | 787 |
| Cash dividends to net income (ytd only)* | 27.9587% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 513 |
| Loan loss allowance to noncurrent loans | 195.6614% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 3,567 |
| Noncurrent loans to loans | 1.1749% | 2,011 |
| Net loans and leases to total assets | 43.0882% | 5,338 |
| Net loans and leases to deposits | 87.7117% | 1,916 |
| Net loans and leases to core deposits | 95.7347% | 1,874 |
| Total domestic deposits to total assets | 49.1249% | 6,128 |
| Equity capital to assets | 25.9939% | 78 |
| Core capital (leverage) ratio | 26.3735% | 74 |
| Tier 1 risk-based capital ratio | 45.6850% | 162 |
| Total risk-based capital ratio | 46.9413% | 158 |
| Memoranda: | ||
| Average total assets | $184,477,000 | 3,119 |
| Average earning assets | $177,764,200 | 3,018 |
| Average equity | $47,032,400 | 1,570 |
| Average total loans | $77,406,800 | 3,901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 5,539 |
| Cost of funding earning assets | 0.1954% | 5,421 |
| Net interest margin | 3.0367% | 5,111 |
| Noninterest income to average assets | 0.2306% | 5,274 |
| Noninterest expense to average assets | 1.4327% | 6,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1870% | 1,691 |
| Return on assets (ROA) | 1.1870% | 1,755 |
| Pretax return on assets | 1.7325% | 1,025 |
| Return on Equity (ROE) | 4.6783% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.5279% | 3,956 |
| Net charge-offs to loans | 0.0087% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 480.5472% | 150 |
| Efficiency ratio | 45.2641% | 5,987 |
| Assets per employee ($millions) | 6.9389% | 891 |
| Cash dividends to net income (ytd only)* | 24.5903% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5403% | 413 |
| Loan loss allowance to noncurrent loans | 231.0087% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 3,944 |
| Noncurrent loans to loans | 1.0997% | 2,292 |
| Net loans and leases to total assets | 41.0251% | 5,536 |
| Net loans and leases to deposits | 66.4640% | 4,342 |
| Net loans and leases to core deposits | 71.5887% | 4,222 |
| Total domestic deposits to total assets | 61.7252% | 6,163 |
| Equity capital to assets | 27.4384% | 75 |
| Core capital (leverage) ratio | 26.2485% | 76 |
| Tier 1 risk-based capital ratio | 48.8896% | 146 |
| Total risk-based capital ratio | 50.1476% | 142 |
| Memoranda: | ||
| Average total assets | $185,003,750 | 3,137 |
| Average earning assets | $178,783,750 | 3,036 |
| Average equity | $46,939,250 | 1,580 |
| Average total loans | $76,651,250 | 3,961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 5,532 |
| Cost of funding earning assets | 0.1943% | 5,491 |
| Net interest margin | 3.0568% | 5,073 |
| Noninterest income to average assets | 0.1800% | 5,617 |
| Noninterest expense to average assets | 1.4414% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1533% | 1,769 |
| Return on assets (ROA) | 1.1533% | 1,834 |
| Pretax return on assets | 1.6871% | 1,109 |
| Return on Equity (ROE) | 4.6618% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.5017% | 3,808 |
| Net charge-offs to loans | 0.0103% | 3,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 398.2500% | 165 |
| Efficiency ratio | 46.0731% | 6,040 |
| Assets per employee ($millions) | 7.3993% | 698 |
| Cash dividends to net income (ytd only)* | 24.8852% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3734% | 571 |
| Loan loss allowance to noncurrent loans | 426.6667% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 4,937 |
| Noncurrent loans to loans | 0.5563% | 3,786 |
| Net loans and leases to total assets | 41.2703% | 5,553 |
| Net loans and leases to deposits | 71.2148% | 3,796 |
| Net loans and leases to core deposits | 76.2287% | 3,744 |
| Total domestic deposits to total assets | 57.9518% | 6,262 |
| Equity capital to assets | 25.3283% | 89 |
| Core capital (leverage) ratio | 24.4566% | 95 |
| Tier 1 risk-based capital ratio | 46.1757% | 181 |
| Total risk-based capital ratio | 47.4334% | 180 |
| Memoranda: | ||
| Average total assets | $188,847,670 | 3,118 |
| Average earning assets | $182,150,670 | 3,026 |
| Average equity | $46,719,670 | 1,596 |
| Average total loans | $77,861,000 | 3,954 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 5,429 |
| Cost of funding earning assets | 0.1891% | 5,605 |
| Net interest margin | 3.1195% | 4,884 |
| Noninterest income to average assets | 0.1552% | 5,811 |
| Noninterest expense to average assets | 1.4131% | 6,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2056% | 1,531 |
| Return on assets (ROA) | 1.2056% | 1,623 |
| Pretax return on assets | 1.7507% | 951 |
| Return on Equity (ROE) | 4.9300% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.7725% | 3,745 |
| Net charge-offs to loans | 0.0051% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 835.0000% | 49 |
| Efficiency ratio | 44.6653% | 6,153 |
| Assets per employee ($millions) | 7.5839% | 651 |
| Cash dividends to net income (ytd only)* | 23.4783% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4247% | 591 |
| Loan loss allowance to noncurrent loans | 566.7683% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 5,262 |
| Noncurrent loans to loans | 0.4278% | 4,310 |
| Net loans and leases to total assets | 39.4572% | 5,630 |
| Net loans and leases to deposits | 69.3584% | 3,815 |
| Net loans and leases to core deposits | 74.2782% | 3,753 |
| Total domestic deposits to total assets | 56.8888% | 6,339 |
| Equity capital to assets | 24.7708% | 98 |
| Core capital (leverage) ratio | 24.2570% | 97 |
| Tier 1 risk-based capital ratio | 45.3204% | 190 |
| Total risk-based capital ratio | 46.5758% | 187 |
| Memoranda: | ||
| Average total assets | $190,780,000 | 3,112 |
| Average earning assets | $184,002,000 | 3,011 |
| Average equity | $46,653,000 | 1,605 |
| Average total loans | $77,692,000 | 3,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,657 |
| Cost of funding earning assets | 0.2058% | 5,696 |
| Net interest margin | 3.1262% | 5,144 |
| Noninterest income to average assets | 0.2678% | 5,213 |
| Noninterest expense to average assets | 1.5965% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1622% | 1,710 |
| Return on assets (ROA) | 1.1690% | 1,754 |
| Pretax return on assets | 1.6907% | 1,007 |
| Return on Equity (ROE) | 5.0608% | 4,627 |
| Retained earnings to average equity (ytd only) | 3.9546% | 3,399 |
| Net charge-offs to loans | 0.0217% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 205.1875% | 262 |
| Efficiency ratio | 48.7111% | 6,156 |
| Assets per employee ($millions) | 7.6785% | 611 |
| Cash dividends to net income (ytd only)* | 21.8572% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3630% | 659 |
| Loan loss allowance to noncurrent loans | 341.9118% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 4,905 |
| Noncurrent loans to loans | 0.6911% | 3,610 |
| Net loans and leases to total assets | 40.0366% | 5,743 |
| Net loans and leases to deposits | 56.5868% | 5,145 |
| Net loans and leases to core deposits | 60.5630% | 5,093 |
| Total domestic deposits to total assets | 70.7525% | 6,159 |
| Equity capital to assets | 24.1407% | 108 |
| Core capital (leverage) ratio | 23.9597% | 102 |
| Tier 1 risk-based capital ratio | 43.8592% | 186 |
| Total risk-based capital ratio | 45.1156% | 187 |
| Memoranda: | ||
| Average total assets | $195,303,000 | 3,049 |
| Average earning assets | $188,024,800 | 2,935 |
| Average equity | $45,111,600 | 1,598 |
| Average total loans | $73,781,200 | 4,063 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3430% | 5,685 |
| Cost of funding earning assets | 0.2063% | 5,770 |
| Net interest margin | 3.1367% | 5,157 |
| Noninterest income to average assets | 0.2393% | 5,489 |
| Noninterest expense to average assets | 1.3147% | 6,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3215% | 1,311 |
| Return on assets (ROA) | 1.3215% | 1,371 |
| Pretax return on assets | 1.9421% | 647 |
| Return on Equity (ROE) | 5.7850% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.6721% | 3,305 |
| Net charge-offs to loans | 0.0037% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,426.6816% | 44 |
| Efficiency ratio | 40.3674% | 6,447 |
| Assets per employee ($millions) | 7.6708% | 588 |
| Cash dividends to net income (ytd only)* | 19.2385% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 505 |
| Loan loss allowance to noncurrent loans | 931.8408% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,749 |
| Noncurrent loans to loans | 0.2875% | 5,049 |
| Net loans and leases to total assets | 35.4833% | 6,051 |
| Net loans and leases to deposits | 51.2179% | 5,573 |
| Net loans and leases to core deposits | 56.1112% | 5,440 |
| Total domestic deposits to total assets | 69.2792% | 6,306 |
| Equity capital to assets | 23.8720% | 116 |
| Core capital (leverage) ratio | 23.3673% | 118 |
| Tier 1 risk-based capital ratio | 46.4629% | 162 |
| Total risk-based capital ratio | 47.7214% | 161 |
| Memoranda: | ||
| Average total assets | $196,138,250 | 3,059 |
| Average earning assets | $188,686,250 | 2,949 |
| Average equity | $44,804,250 | 1,614 |
| Average total loans | $72,547,750 | 4,139 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,604 |
| Cost of funding earning assets | 0.2014% | 5,900 |
| Net interest margin | 3.2094% | 4,909 |
| Noninterest income to average assets | 0.2024% | 5,748 |
| Noninterest expense to average assets | 1.3178% | 6,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3361% | 1,218 |
| Return on assets (ROA) | 1.3361% | 1,261 |
| Pretax return on assets | 1.9656% | 599 |
| Return on Equity (ROE) | 5.9353% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.8157% | 3,077 |
| Net charge-offs to loans | 0.0082% | 4,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 647.3333% | 110 |
| Efficiency ratio | 40.1356% | 6,518 |
| Assets per employee ($millions) | 7.7890% | 549 |
| Cash dividends to net income (ytd only)* | 18.8636% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5354% | 682 |
| Loan loss allowance to noncurrent loans | 362.9845% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,217 |
| Noncurrent loans to loans | 0.6985% | 3,962 |
| Net loans and leases to total assets | 36.9761% | 6,004 |
| Net loans and leases to deposits | 51.7698% | 5,510 |
| Net loans and leases to core deposits | 54.6252% | 5,511 |
| Total domestic deposits to total assets | 71.4239% | 6,292 |
| Equity capital to assets | 23.2768% | 121 |
| Core capital (leverage) ratio | 22.8232% | 118 |
| Tier 1 risk-based capital ratio | 44.0340% | 184 |
| Total risk-based capital ratio | 45.2909% | 182 |
| Memoranda: | ||
| Average total assets | $197,594,670 | 3,062 |
| Average earning assets | $189,692,000 | 2,955 |
| Average equity | $44,479,330 | 1,609 |
| Average total loans | $73,424,000 | 4,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 5,510 |
| Cost of funding earning assets | 0.1998% | 6,000 |
| Net interest margin | 3.2670% | 4,679 |
| Noninterest income to average assets | 0.1929% | 5,804 |
| Noninterest expense to average assets | 1.3084% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3747% | 1,051 |
| Return on assets (ROA) | 1.3747% | 1,090 |
| Pretax return on assets | 2.0057% | 529 |
| Return on Equity (ROE) | 6.2103% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.0844% | 3,074 |
| Net charge-offs to loans | 0.0055% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 998.0000% | 26 |
| Efficiency ratio | 39.4785% | 6,601 |
| Assets per employee ($millions) | 7.8956% | 510 |
| Cash dividends to net income (ytd only)* | 18.1287% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5544% | 762 |
| Loan loss allowance to noncurrent loans | 489.5561% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,561 |
| Noncurrent loans to loans | 0.5218% | 4,609 |
| Net loans and leases to total assets | 36.2364% | 6,058 |
| Net loans and leases to deposits | 49.9441% | 5,603 |
| Net loans and leases to core deposits | 52.4027% | 5,594 |
| Total domestic deposits to total assets | 72.5538% | 6,332 |
| Equity capital to assets | 22.5189% | 136 |
| Core capital (leverage) ratio | 22.3293% | 128 |
| Tier 1 risk-based capital ratio | 43.3731% | 192 |
| Total risk-based capital ratio | 44.6303% | 191 |
| Memoranda: | ||
| Average total assets | $199,029,000 | 3,065 |
| Average earning assets | $190,146,500 | 2,969 |
| Average equity | $44,056,000 | 1,612 |
| Average total loans | $73,198,500 | 4,159 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 6,145 |
| Cost of funding earning assets | 0.2241% | 6,150 |
| Net interest margin | 2.9634% | 5,657 |
| Noninterest income to average assets | 0.2442% | 5,597 |
| Noninterest expense to average assets | 1.6506% | 6,484 |
| Loan and lease loss provision to assets | 0.0505% | 4,129 |
| Net operating income to assets | 0.9737% | 2,449 |
| Return on assets (ROA) | 1.1152% | 1,951 |
| Pretax return on assets | 1.5790% | 1,224 |
| Return on Equity (ROE) | 5.0465% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.0509% | 3,307 |
| Net charge-offs to loans | 0.1750% | 3,079 |
| Credit loss provision to net charge-offs | 79.3651% | 3,062 |
| Earnings coverage of net charge-offs (x) | 22.4921% | 1,448 |
| Efficiency ratio | 53.5790% | 6,173 |
| Assets per employee ($millions) | 8.3612% | 410 |
| Cash dividends to net income (ytd only)* | 19.7285% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5700% | 753 |
| Loan loss allowance to noncurrent loans | 375.9519% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 5,449 |
| Noncurrent loans to loans | 0.6836% | 4,264 |
| Net loans and leases to total assets | 35.4411% | 6,227 |
| Net loans and leases to deposits | 49.1639% | 5,822 |
| Net loans and leases to core deposits | 51.5590% | 5,830 |
| Total domestic deposits to total assets | 72.0877% | 6,417 |
| Equity capital to assets | 21.7583% | 150 |
| Core capital (leverage) ratio | 22.1596% | 131 |
| Tier 1 risk-based capital ratio | 42.5881% | 195 |
| Total risk-based capital ratio | 43.8451% | 193 |
| Memoranda: | ||
| Average total assets | $198,164,600 | 3,053 |
| Average earning assets | $189,682,800 | 2,955 |
| Average equity | $43,792,800 | 1,595 |
| Average total loans | $71,991,000 | 4,194 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1156% | 6,303 |
| Cost of funding earning assets | 0.2290% | 6,234 |
| Net interest margin | 2.8865% | 5,848 |
| Noninterest income to average assets | 0.2065% | 5,941 |
| Noninterest expense to average assets | 1.3648% | 6,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1153% | 1,953 |
| Return on assets (ROA) | 1.2993% | 1,414 |
| Pretax return on assets | 1.8818% | 737 |
| Return on Equity (ROE) | 5.8564% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.8616% | 3,182 |
| Net charge-offs to loans | 0.2342% | 2,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 18.9916% | 1,649 |
| Efficiency ratio | 45.7984% | 6,595 |
| Assets per employee ($millions) | 7.8556% | 489 |
| Cash dividends to net income (ytd only)* | 16.9871% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5856% | 846 |
| Loan loss allowance to noncurrent loans | 377.0701% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,646 |
| Noncurrent loans to loans | 0.6857% | 4,481 |
| Net loans and leases to total assets | 34.0705% | 6,356 |
| Net loans and leases to deposits | 47.6934% | 5,983 |
| Net loans and leases to core deposits | 50.1157% | 6,015 |
| Total domestic deposits to total assets | 71.4364% | 6,527 |
| Equity capital to assets | 22.3260% | 136 |
| Core capital (leverage) ratio | 22.1251% | 131 |
| Tier 1 risk-based capital ratio | 44.7456% | 176 |
| Total risk-based capital ratio | 46.0030% | 174 |
| Memoranda: | ||
| Average total assets | $197,538,750 | 3,087 |
| Average earning assets | $189,795,250 | 2,975 |
| Average equity | $43,825,500 | 1,607 |
| Average total loans | $71,740,000 | 4,235 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0866% | 6,355 |
| Cost of funding earning assets | 0.2356% | 6,266 |
| Net interest margin | 2.8509% | 5,895 |
| Noninterest income to average assets | 0.1789% | 6,138 |
| Noninterest expense to average assets | 1.3642% | 6,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0798% | 1,999 |
| Return on assets (ROA) | 1.0812% | 2,103 |
| Pretax return on assets | 1.5552% | 1,467 |
| Return on Equity (ROE) | 4.8838% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.8842% | 3,828 |
| Net charge-offs to loans | 0.2337% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 18.0824% | 1,569 |
| Efficiency ratio | 46.7613% | 6,601 |
| Assets per employee ($millions) | 7.7738% | 499 |
| Cash dividends to net income (ytd only)* | 20.4673% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5057% | 981 |
| Loan loss allowance to noncurrent loans | 555.6575% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 5,997 |
| Noncurrent loans to loans | 0.4509% | 5,134 |
| Net loans and leases to total assets | 36.3779% | 6,276 |
| Net loans and leases to deposits | 50.3393% | 5,814 |
| Net loans and leases to core deposits | 52.7266% | 5,834 |
| Total domestic deposits to total assets | 72.2654% | 6,546 |
| Equity capital to assets | 22.4126% | 126 |
| Core capital (leverage) ratio | 21.7886% | 129 |
| Tier 1 risk-based capital ratio | 42.1187% | 207 |
| Total risk-based capital ratio | 43.5123% | 204 |
| Memoranda: | ||
| Average total assets | $197,921,670 | 3,092 |
| Average earning assets | $190,114,670 | 2,989 |
| Average equity | $43,818,670 | 1,609 |
| Average total loans | $72,757,670 | 4,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0335% | 6,476 |
| Cost of funding earning assets | 0.2441% | 6,326 |
| Net interest margin | 2.7894% | 6,052 |
| Noninterest income to average assets | 0.1883% | 6,126 |
| Noninterest expense to average assets | 1.4521% | 6,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0180% | 2,152 |
| Return on assets (ROA) | 1.0195% | 2,265 |
| Pretax return on assets | 1.4161% | 1,809 |
| Return on Equity (ROE) | 4.6326% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.6406% | 4,059 |
| Net charge-offs to loans | 0.1207% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 32.0909% | 930 |
| Efficiency ratio | 50.6639% | 6,463 |
| Assets per employee ($millions) | 8.2597% | 447 |
| Cash dividends to net income (ytd only)* | 21.4145% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6063% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,220.7792% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,245 |
| Noncurrent loans to loans | 0.2135% | 5,876 |
| Net loans and leases to total assets | 35.4393% | 6,338 |
| Net loans and leases to deposits | 48.8031% | 5,864 |
| Net loans and leases to core deposits | 51.1336% | 5,885 |
| Total domestic deposits to total assets | 72.6169% | 6,625 |
| Equity capital to assets | 22.2542% | 144 |
| Core capital (leverage) ratio | 21.2908% | 153 |
| Tier 1 risk-based capital ratio | 42.2940% | 205 |
| Total risk-based capital ratio | 43.6993% | 203 |
| Memoranda: | ||
| Average total assets | $199,709,500 | 3,100 |
| Average earning assets | $191,723,500 | 2,990 |
| Average equity | $43,949,000 | 1,626 |
| Average total loans | $72,878,500 | 4,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 6,673 |
| Cost of funding earning assets | 0.3061% | 6,421 |
| Net interest margin | 2.8699% | 6,283 |
| Noninterest income to average assets | 0.2645% | 5,567 |
| Noninterest expense to average assets | 1.5900% | 6,816 |
| Loan and lease loss provision to assets | 0.0510% | 5,178 |
| Net operating income to assets | 0.9869% | 2,397 |
| Return on assets (ROA) | 0.9887% | 2,610 |
| Pretax return on assets | 1.4168% | 1,979 |
| Return on Equity (ROE) | 4.4977% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.6306% | 3,655 |
| Net charge-offs to loans | 0.0127% | 5,741 |
| Credit loss provision to net charge-offs | 1,111.1111% | 234 |
| Earnings coverage of net charge-offs (x) | 319.4444% | 125 |
| Efficiency ratio | 52.0434% | 6,459 |
| Assets per employee ($millions) | 8.0475% | 494 |
| Cash dividends to net income (ytd only)* | 19.2784% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5834% | 1,036 |
| Loan loss allowance to noncurrent loans | 607.6677% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 6,112 |
| Noncurrent loans to loans | 0.4251% | 5,429 |
| Net loans and leases to total assets | 35.6499% | 6,455 |
| Net loans and leases to deposits | 48.5543% | 6,067 |
| Net loans and leases to core deposits | 50.9158% | 6,091 |
| Total domestic deposits to total assets | 73.4227% | 6,584 |
| Equity capital to assets | 21.7623% | 159 |
| Core capital (leverage) ratio | 21.1659% | 156 |
| Tier 1 risk-based capital ratio | 41.7557% | 205 |
| Total risk-based capital ratio | 43.1344% | 203 |
| Memoranda: | ||
| Average total assets | $196,221,000 | 3,092 |
| Average earning assets | $190,805,400 | 2,945 |
| Average equity | $43,132,800 | 1,615 |
| Average total loans | $71,099,800 | 4,317 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 6,776 |
| Cost of funding earning assets | 0.3196% | 6,514 |
| Net interest margin | 2.9072% | 6,346 |
| Noninterest income to average assets | 0.2373% | 5,857 |
| Noninterest expense to average assets | 1.3068% | 7,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2131% | 1,690 |
| Return on assets (ROA) | 1.2131% | 1,870 |
| Pretax return on assets | 1.7670% | 1,131 |
| Return on Equity (ROE) | 5.5044% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.6326% | 3,638 |
| Net charge-offs to loans | 0.0151% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 322.8913% | 146 |
| Efficiency ratio | 42.5139% | 6,946 |
| Assets per employee ($millions) | 8.0596% | 469 |
| Cash dividends to net income (ytd only)* | 15.8401% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5665% | 1,121 |
| Loan loss allowance to noncurrent loans | 888.1773% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 6,305 |
| Noncurrent loans to loans | 0.2890% | 5,912 |
| Net loans and leases to total assets | 33.9709% | 6,656 |
| Net loans and leases to deposits | 47.1171% | 6,311 |
| Net loans and leases to core deposits | 49.4491% | 6,315 |
| Total domestic deposits to total assets | 72.0989% | 6,736 |
| Equity capital to assets | 21.7653% | 179 |
| Core capital (leverage) ratio | 19.9593% | 207 |
| Tier 1 risk-based capital ratio | 44.4310% | 181 |
| Total risk-based capital ratio | 45.8234% | 179 |
| Memoranda: | ||
| Average total assets | $194,979,500 | 3,143 |
| Average earning assets | $190,236,500 | 2,987 |
| Average equity | $42,970,250 | 1,633 |
| Average total loans | $70,468,500 | 4,385 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2800% | 6,827 |
| Cost of funding earning assets | 0.3374% | 6,565 |
| Net interest margin | 2.9427% | 6,355 |
| Noninterest income to average assets | 0.1898% | 6,199 |
| Noninterest expense to average assets | 1.3049% | 7,103 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1524% | 1,872 |
| Return on assets (ROA) | 1.1524% | 2,084 |
| Pretax return on assets | 1.7530% | 1,133 |
| Return on Equity (ROE) | 5.2068% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.3304% | 3,735 |
| Net charge-offs to loans | 0.0227% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 211.2500% | 212 |
| Efficiency ratio | 42.6730% | 7,000 |
| Assets per employee ($millions) | 7.9829% | 476 |
| Cash dividends to net income (ytd only)* | 16.8317% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5173% | 1,260 |
| Loan loss allowance to noncurrent loans | 451.8797% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 6,093 |
| Noncurrent loans to loans | 0.5571% | 5,401 |
| Net loans and leases to total assets | 33.6402% | 6,745 |
| Net loans and leases to deposits | 45.0281% | 6,503 |
| Net loans and leases to core deposits | 47.0683% | 6,510 |
| Total domestic deposits to total assets | 74.7094% | 6,611 |
| Equity capital to assets | 20.7911% | 208 |
| Core capital (leverage) ratio | 19.7917% | 219 |
| Tier 1 risk-based capital ratio | 43.8737% | 182 |
| Total risk-based capital ratio | 45.2240% | 179 |
| Memoranda: | ||
| Average total assets | $192,809,330 | 3,184 |
| Average earning assets | $187,924,670 | 3,018 |
| Average equity | $42,675,330 | 1,634 |
| Average total loans | $70,541,000 | 4,403 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 6,855 |
| Cost of funding earning assets | 0.3614% | 6,595 |
| Net interest margin | 2.9906% | 6,308 |
| Noninterest income to average assets | 0.2049% | 6,159 |
| Noninterest expense to average assets | 1.5337% | 7,032 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1023% | 2,076 |
| Return on assets (ROA) | 1.1023% | 2,261 |
| Pretax return on assets | 1.5811% | 1,630 |
| Return on Equity (ROE) | 4.8166% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.9306% | 4,231 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2382% | 6,725 |
| Assets per employee ($millions) | 8.9938% | 324 |
| Cash dividends to net income (ytd only)* | 18.3953% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5602% | 1,278 |
| Loan loss allowance to noncurrent loans | 245.0609% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 5,805 |
| Noncurrent loans to loans | 1.0447% | 4,604 |
| Net loans and leases to total assets | 31.9328% | 6,834 |
| Net loans and leases to deposits | 42.2497% | 6,647 |
| Net loans and leases to core deposits | 44.1127% | 6,651 |
| Total domestic deposits to total assets | 75.5812% | 6,587 |
| Equity capital to assets | 19.7350% | 232 |
| Core capital (leverage) ratio | 20.2541% | 190 |
| Tier 1 risk-based capital ratio | 43.9498% | 178 |
| Total risk-based capital ratio | 45.3310% | 173 |
| Memoranda: | ||
| Average total assets | $185,436,500 | 3,290 |
| Average earning assets | $180,431,000 | 3,138 |
| Average equity | $42,436,500 | 1,636 |
| Average total loans | $69,999,000 | 4,451 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 6,144 |
| Cost of funding earning assets | 0.5027% | 6,519 |
| Net interest margin | 3.6656% | 4,450 |
| Noninterest income to average assets | 0.3432% | 5,071 |
| Noninterest expense to average assets | 1.7878% | 6,971 |
| Loan and lease loss provision to assets | 0.1019% | 5,313 |
| Net operating income to assets | 1.3670% | 1,091 |
| Return on assets (ROA) | 1.3679% | 1,177 |
| Pretax return on assets | 2.0073% | 525 |
| Return on Equity (ROE) | 4.8863% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.0780% | 3,288 |
| Net charge-offs to loans | 0.0310% | 6,015 |
| Credit loss provision to net charge-offs | 714.2857% | 304 |
| Earnings coverage of net charge-offs (x) | 147.7143% | 229 |
| Efficiency ratio | 45.8922% | 7,051 |
| Assets per employee ($millions) | 6.4593% | 977 |
| Cash dividends to net income (ytd only)* | 16.5425% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6162% | 1,171 |
| Loan loss allowance to noncurrent loans | 272.0721% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,619 |
| Noncurrent loans to loans | 0.9616% | 4,786 |
| Net loans and leases to total assets | 43.5084% | 6,252 |
| Net loans and leases to deposits | 70.3793% | 4,034 |
| Net loans and leases to core deposits | 85.0113% | 2,750 |
| Total domestic deposits to total assets | 61.8199% | 7,206 |
| Equity capital to assets | 27.2701% | 80 |
| Core capital (leverage) ratio | 27.0533% | 82 |
| Tier 1 risk-based capital ratio | 47.1090% | 152 |
| Total risk-based capital ratio | 48.4559% | 149 |
| Memoranda: | ||
| Average total assets | $147,160,000 | 3,850 |
| Average earning assets | $142,622,800 | 3,701 |
| Average equity | $41,197,000 | 1,628 |
| Average total loans | $67,761,800 | 4,567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 6,172 |
| Cost of funding earning assets | 0.5274% | 6,591 |
| Net interest margin | 3.6872% | 4,396 |
| Noninterest income to average assets | 0.2773% | 5,632 |
| Noninterest expense to average assets | 1.4472% | 7,260 |
| Loan and lease loss provision to assets | 0.1377% | 4,714 |
| Net operating income to assets | 1.5060% | 920 |
| Return on assets (ROA) | 1.5060% | 1,005 |
| Pretax return on assets | 2.2682% | 379 |
| Return on Equity (ROE) | 5.3426% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.5282% | 3,496 |
| Net charge-offs to loans | 0.0198% | 5,877 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 262.0593% | 151 |
| Efficiency ratio | 37.5596% | 7,294 |
| Assets per employee ($millions) | 6.1425% | 1,120 |
| Cash dividends to net income (ytd only)* | 15.2441% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7590% | 1,068 |
| Loan loss allowance to noncurrent loans | 278.4733% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5725% | 5,686 |
| Noncurrent loans to loans | 0.9908% | 4,908 |
| Net loans and leases to total assets | 43.6071% | 6,366 |
| Net loans and leases to deposits | 70.7403% | 4,181 |
| Net loans and leases to core deposits | 86.4082% | 2,719 |
| Total domestic deposits to total assets | 61.6439% | 7,284 |
| Equity capital to assets | 28.5672% | 89 |
| Core capital (leverage) ratio | 27.1068% | 88 |
| Tier 1 risk-based capital ratio | 48.9471% | 153 |
| Total risk-based capital ratio | 50.2812% | 153 |
| Memoranda: | ||
| Average total assets | $145,194,250 | 3,905 |
| Average earning assets | $140,807,500 | 3,752 |
| Average equity | $40,927,500 | 1,643 |
| Average total loans | $67,387,250 | 4,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 6,183 |
| Cost of funding earning assets | 0.5373% | 6,715 |
| Net interest margin | 3.7055% | 4,239 |
| Noninterest income to average assets | 0.2326% | 5,980 |
| Noninterest expense to average assets | 1.5161% | 7,294 |
| Loan and lease loss provision to assets | 0.2077% | 3,849 |
| Net operating income to assets | 1.3818% | 1,122 |
| Return on assets (ROA) | 1.3818% | 1,189 |
| Pretax return on assets | 2.1087% | 482 |
| Return on Equity (ROE) | 4.9245% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.1054% | 3,582 |
| Net charge-offs to loans | 0.0354% | 5,358 |
| Credit loss provision to net charge-offs | 1,250.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 139.4167% | 258 |
| Efficiency ratio | 39.5592% | 7,344 |
| Assets per employee ($millions) | 5.5505% | 1,528 |
| Cash dividends to net income (ytd only)* | 16.6333% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6542% | 1,235 |
| Loan loss allowance to noncurrent loans | 332.2993% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 6,000 |
| Noncurrent loans to loans | 0.7987% | 5,320 |
| Net loans and leases to total assets | 46.2793% | 6,235 |
| Net loans and leases to deposits | 73.8427% | 3,826 |
| Net loans and leases to core deposits | 90.1905% | 2,354 |
| Total domestic deposits to total assets | 62.6728% | 7,335 |
| Equity capital to assets | 28.6405% | 90 |
| Core capital (leverage) ratio | 27.0891% | 98 |
| Tier 1 risk-based capital ratio | 47.2493% | 159 |
| Total risk-based capital ratio | 48.6267% | 157 |
| Memoranda: | ||
| Average total assets | $144,452,000 | 3,946 |
| Average earning assets | $140,333,670 | 3,788 |
| Average equity | $40,532,000 | 1,652 |
| Average total loans | $67,813,000 | 4,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 6,380 |
| Cost of funding earning assets | 0.5322% | 6,856 |
| Net interest margin | 3.6232% | 4,468 |
| Noninterest income to average assets | 0.2325% | 6,053 |
| Noninterest expense to average assets | 1.5638% | 7,329 |
| Loan and lease loss provision to assets | 0.2768% | 2,941 |
| Net operating income to assets | 1.2427% | 1,407 |
| Return on assets (ROA) | 1.2427% | 1,461 |
| Pretax return on assets | 1.9153% | 659 |
| Return on Equity (ROE) | 4.4752% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.6480% | 3,986 |
| Net charge-offs to loans | 0.0237% | 4,753 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 153 |
| Efficiency ratio | 41.6360% | 7,355 |
| Assets per employee ($millions) | 5.9471% | 1,236 |
| Cash dividends to net income (ytd only)* | 18.4855% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6115% | 1,296 |
| Loan loss allowance to noncurrent loans | 367.5620% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,276 |
| Noncurrent loans to loans | 0.7105% | 5,591 |
| Net loans and leases to total assets | 44.6229% | 6,414 |
| Net loans and leases to deposits | 74.1299% | 3,740 |
| Net loans and leases to core deposits | 90.7070% | 2,275 |
| Total domestic deposits to total assets | 60.1956% | 7,433 |
| Equity capital to assets | 27.1326% | 94 |
| Core capital (leverage) ratio | 27.0391% | 92 |
| Tier 1 risk-based capital ratio | 46.7636% | 159 |
| Total risk-based capital ratio | 48.1467% | 158 |
| Memoranda: | ||
| Average total assets | $144,521,500 | 3,983 |
| Average earning assets | $140,537,000 | 3,808 |
| Average equity | $40,132,000 | 1,663 |
| Average total loans | $67,415,500 | 4,711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 5,902 |
| Cost of funding earning assets | 0.6733% | 6,946 |
| Net interest margin | 3.9949% | 3,043 |
| Noninterest income to average assets | 0.3525% | 5,283 |
| Noninterest expense to average assets | 2.0637% | 6,917 |
| Loan and lease loss provision to assets | 0.0740% | 6,408 |
| Net operating income to assets | 1.4355% | 879 |
| Return on assets (ROA) | 1.4365% | 943 |
| Pretax return on assets | 2.0822% | 404 |
| Return on Equity (ROE) | 4.9326% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.1139% | 2,971 |
| Net charge-offs to loans | 0.0877% | 5,964 |
| Credit loss provision to net charge-offs | 172.4138% | 1,958 |
| Earnings coverage of net charge-offs (x) | 50.1724% | 465 |
| Efficiency ratio | 48.9205% | 7,208 |
| Assets per employee ($millions) | 5.6146% | 1,486 |
| Cash dividends to net income (ytd only)* | 16.5979% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 1,387 |
| Loan loss allowance to noncurrent loans | 269.7115% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 6,040 |
| Noncurrent loans to loans | 0.9354% | 5,182 |
| Net loans and leases to total assets | 46.3253% | 6,533 |
| Net loans and leases to deposits | 68.9043% | 4,970 |
| Net loans and leases to core deposits | 78.8813% | 4,363 |
| Total domestic deposits to total assets | 67.2314% | 7,352 |
| Equity capital to assets | 28.4428% | 89 |
| Core capital (leverage) ratio | 28.3377% | 93 |
| Tier 1 risk-based capital ratio | 48.1131% | 158 |
| Total risk-based capital ratio | 49.4838% | 157 |
| Memoranda: | ||
| Average total assets | $135,047,200 | 4,155 |
| Average earning assets | $130,692,600 | 3,999 |
| Average equity | $39,330,400 | 1,681 |
| Average total loans | $66,158,600 | 4,816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7671% | 5,798 |
| Cost of funding earning assets | 0.7080% | 7,041 |
| Net interest margin | 4.0591% | 2,817 |
| Noninterest income to average assets | 0.3300% | 5,519 |
| Noninterest expense to average assets | 1.7499% | 7,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7412% | 574 |
| Return on assets (ROA) | 1.7419% | 626 |
| Pretax return on assets | 2.5027% | 227 |
| Return on Equity (ROE) | 5.9448% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.1213% | 2,900 |
| Net charge-offs to loans | 0.1191% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 42.5280% | 653 |
| Efficiency ratio | 41.1585% | 7,549 |
| Assets per employee ($millions) | 5.4114% | 1,706 |
| Cash dividends to net income (ytd only)* | 13.8523% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4894% | 1,347 |
| Loan loss allowance to noncurrent loans | 246.4174% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 6,099 |
| Noncurrent loans to loans | 1.0102% | 5,216 |
| Net loans and leases to total assets | 45.8055% | 6,713 |
| Net loans and leases to deposits | 74.2567% | 4,461 |
| Net loans and leases to core deposits | 81.1004% | 4,370 |
| Total domestic deposits to total assets | 61.6853% | 7,567 |
| Equity capital to assets | 29.8037% | 89 |
| Core capital (leverage) ratio | 28.6190% | 91 |
| Tier 1 risk-based capital ratio | 51.8499% | 148 |
| Total risk-based capital ratio | 53.1947% | 147 |
| Memoranda: | ||
| Average total assets | $133,717,500 | 4,235 |
| Average earning assets | $129,187,250 | 4,085 |
| Average equity | $39,182,000 | 1,700 |
| Average total loans | $66,021,250 | 4,906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 5,662 |
| Cost of funding earning assets | 0.7331% | 7,116 |
| Net interest margin | 4.1027% | 2,544 |
| Noninterest income to average assets | 0.3063% | 5,713 |
| Noninterest expense to average assets | 1.7613% | 7,438 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7182% | 570 |
| Return on assets (ROA) | 1.7193% | 625 |
| Pretax return on assets | 2.5046% | 230 |
| Return on Equity (ROE) | 5.9017% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.0718% | 2,866 |
| Net charge-offs to loans | 0.0030% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1,667.0000% | 8 |
| Efficiency ratio | 41.3028% | 7,615 |
| Assets per employee ($millions) | 5.2936% | 1,822 |
| Cash dividends to net income (ytd only)* | 14.0611% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 1,472 |
| Loan loss allowance to noncurrent loans | 725.6637% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,825 |
| Noncurrent loans to loans | 0.3267% | 6,574 |
| Net loans and leases to total assets | 51.0345% | 6,300 |
| Net loans and leases to deposits | 80.1621% | 3,572 |
| Net loans and leases to core deposits | 87.2777% | 3,652 |
| Total domestic deposits to total assets | 63.6640% | 7,593 |
| Equity capital to assets | 29.8096% | 86 |
| Core capital (leverage) ratio | 28.7001% | 89 |
| Tier 1 risk-based capital ratio | 48.4865% | 164 |
| Total risk-based capital ratio | 49.8159% | 164 |
| Memoranda: | ||
| Average total assets | $133,195,000 | 4,274 |
| Average earning assets | $128,501,000 | 4,123 |
| Average equity | $38,802,670 | 1,714 |
| Average total loans | $66,845,000 | 4,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 5,889 |
| Cost of funding earning assets | 0.7659% | 7,187 |
| Net interest margin | 4.0351% | 2,716 |
| Noninterest income to average assets | 0.3353% | 5,457 |
| Noninterest expense to average assets | 1.9069% | 7,320 |
| Loan and lease loss provision to assets | -0.4490% | 7,896 |
| Net operating income to assets | 2.0685% | 307 |
| Return on assets (ROA) | 2.0685% | 340 |
| Pretax return on assets | 2.7570% | 170 |
| Return on Equity (ROE) | 7.1831% | 3,249 |
| Retained earnings to average equity (ytd only) | 6.3411% | 2,452 |
| Net charge-offs to loans | 0.0183% | 5,328 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,644 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 133 |
| Efficiency ratio | 45.2415% | 7,581 |
| Assets per employee ($millions) | 4.9747% | 2,263 |
| Cash dividends to net income (ytd only)* | 11.7221% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,703 |
| Loan loss allowance to noncurrent loans | 275.0462% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 6,325 |
| Noncurrent loans to loans | 0.8077% | 5,699 |
| Net loans and leases to total assets | 48.7589% | 6,599 |
| Net loans and leases to deposits | 75.5601% | 4,486 |
| Net loans and leases to core deposits | 82.4190% | 4,432 |
| Total domestic deposits to total assets | 64.5299% | 7,664 |
| Equity capital to assets | 28.9243% | 96 |
| Core capital (leverage) ratio | 28.4500% | 97 |
| Tier 1 risk-based capital ratio | 49.7265% | 157 |
| Total risk-based capital ratio | 51.0691% | 155 |
| Memoranda: | ||
| Average total assets | $133,622,500 | 4,331 |
| Average earning assets | $128,473,500 | 4,182 |
| Average equity | $38,479,000 | 1,749 |
| Average total loans | $65,678,000 | 5,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1463% | 5,894 |
| Cost of funding earning assets | 1.0509% | 7,098 |
| Net interest margin | 4.0955% | 2,471 |
| Noninterest income to average assets | 0.3881% | 5,313 |
| Noninterest expense to average assets | 2.2443% | 6,882 |
| Loan and lease loss provision to assets | -0.0390% | 7,971 |
| Net operating income to assets | 1.5454% | 616 |
| Return on assets (ROA) | 1.5454% | 656 |
| Pretax return on assets | 2.1514% | 312 |
| Return on Equity (ROE) | 5.3367% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.5250% | 2,085 |
| Net charge-offs to loans | -0.5450% | 7,950 |
| Credit loss provision to net charge-offs | 14.6199% | 6,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5146% | 7,431 |
| Assets per employee ($millions) | 5.3172% | 1,822 |
| Cash dividends to net income (ytd only)* | 15.2097% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5506% | 1,168 |
| Loan loss allowance to noncurrent loans | 1,865.9091% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 7,176 |
| Noncurrent loans to loans | 0.1367% | 7,087 |
| Net loans and leases to total assets | 47.1944% | 6,883 |
| Net loans and leases to deposits | 73.0012% | 5,191 |
| Net loans and leases to core deposits | 98.2953% | 4,195 |
| Total domestic deposits to total assets | 64.6488% | 7,685 |
| Equity capital to assets | 28.6679% | 114 |
| Core capital (leverage) ratio | 28.1380% | 118 |
| Tier 1 risk-based capital ratio | 50.5537% | 160 |
| Total risk-based capital ratio | 51.8840% | 158 |
| Memoranda: | ||
| Average total assets | $128,058,200 | 4,383 |
| Average earning assets | $124,088,600 | 4,215 |
| Average equity | $37,082,800 | 1,814 |
| Average total loans | $62,752,800 | 5,142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 6,070 |
| Cost of funding earning assets | 1.1093% | 7,160 |
| Net interest margin | 4.0494% | 2,600 |
| Noninterest income to average assets | 0.3406% | 5,766 |
| Noninterest expense to average assets | 2.0172% | 7,351 |
| Loan and lease loss provision to assets | -0.0526% | 8,057 |
| Net operating income to assets | 1.6398% | 620 |
| Return on assets (ROA) | 1.6398% | 665 |
| Pretax return on assets | 2.3052% | 286 |
| Return on Equity (ROE) | 5.6480% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.8297% | 2,593 |
| Net charge-offs to loans | -0.7463% | 8,032 |
| Credit loss provision to net charge-offs | 14.3266% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2427% | 7,706 |
| Assets per employee ($millions) | 4.9723% | 2,185 |
| Cash dividends to net income (ytd only)* | 14.4874% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7032% | 880 |
| Loan loss allowance to noncurrent loans | 641.6342% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,871 |
| Noncurrent loans to loans | 0.4213% | 6,491 |
| Net loans and leases to total assets | 45.9097% | 7,115 |
| Net loans and leases to deposits | 72.6196% | 5,566 |
| Net loans and leases to core deposits | 99.6692% | 4,414 |
| Total domestic deposits to total assets | 63.2194% | 7,797 |
| Equity capital to assets | 29.3386% | 124 |
| Core capital (leverage) ratio | 28.4830% | 135 |
| Tier 1 risk-based capital ratio | 52.9819% | 151 |
| Total risk-based capital ratio | 54.3101% | 152 |
| Memoranda: | ||
| Average total assets | $126,840,500 | 4,428 |
| Average earning assets | $123,075,500 | 4,270 |
| Average equity | $36,826,500 | 1,849 |
| Average total loans | $62,346,750 | 5,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 6,438 |
| Cost of funding earning assets | 1.1635% | 7,206 |
| Net interest margin | 3.9366% | 2,946 |
| Noninterest income to average assets | 0.2745% | 6,303 |
| Noninterest expense to average assets | 2.0123% | 7,440 |
| Loan and lease loss provision to assets | 0.2539% | 4,542 |
| Net operating income to assets | 1.2299% | 1,405 |
| Return on assets (ROA) | 1.2299% | 1,482 |
| Pretax return on assets | 1.8313% | 802 |
| Return on Equity (ROE) | 4.2514% | 4,396 |
| Retained earnings to average equity (ytd only) | 3.4230% | 3,416 |
| Net charge-offs to loans | -0.8950% | 8,123 |
| Credit loss provision to net charge-offs | -56.9395% | 6,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1092% | 7,714 |
| Assets per employee ($millions) | 4.8580% | 2,251 |
| Cash dividends to net income (ytd only)* | 19.4839% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8752% | 630 |
| Loan loss allowance to noncurrent loans | 537.8378% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,814 |
| Noncurrent loans to loans | 0.5346% | 6,200 |
| Net loans and leases to total assets | 47.8992% | 7,043 |
| Net loans and leases to deposits | 71.6782% | 5,781 |
| Net loans and leases to core deposits | 98.0694% | 4,695 |
| Total domestic deposits to total assets | 66.8253% | 7,690 |
| Equity capital to assets | 28.9643% | 145 |
| Core capital (leverage) ratio | 28.5871% | 154 |
| Tier 1 risk-based capital ratio | 51.8950% | 169 |
| Total risk-based capital ratio | 53.1755% | 168 |
| Memoranda: | ||
| Average total assets | $126,027,330 | 4,480 |
| Average earning assets | $122,391,000 | 4,313 |
| Average equity | $36,459,000 | 1,873 |
| Average total loans | $62,795,330 | 5,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 6,471 |
| Cost of funding earning assets | 1.2316% | 7,223 |
| Net interest margin | 3.9234% | 2,957 |
| Noninterest income to average assets | 0.3019% | 6,025 |
| Noninterest expense to average assets | 1.7508% | 7,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6682% | 693 |
| Return on assets (ROA) | 1.6682% | 760 |
| Pretax return on assets | 2.3672% | 322 |
| Return on Equity (ROE) | 5.7698% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.9455% | 3,157 |
| Net charge-offs to loans | 0.0571% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 82.7778% | 508 |
| Efficiency ratio | 42.5154% | 7,984 |
| Assets per employee ($millions) | 4.8027% | 2,297 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1513% | 1,144 |
| Loan loss allowance to noncurrent loans | 420.3762% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 6,741 |
| Noncurrent loans to loans | 0.5118% | 6,146 |
| Net loans and leases to total assets | 48.8448% | 6,957 |
| Net loans and leases to deposits | 74.8552% | 5,366 |
| Net loans and leases to core deposits | 104.8603% | 4,045 |
| Total domestic deposits to total assets | 65.2524% | 7,776 |
| Equity capital to assets | 29.2507% | 151 |
| Core capital (leverage) ratio | 28.4553% | 171 |
| Tier 1 risk-based capital ratio | 51.9521% | 185 |
| Total risk-based capital ratio | 53.2101% | 186 |
| Memoranda: | ||
| Average total assets | $125,887,500 | 4,497 |
| Average earning assets | $122,445,000 | 4,320 |
| Average equity | $36,396,500 | 1,878 |
| Average total loans | $63,047,500 | 5,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8381% | 6,306 |
| Cost of funding earning assets | 1.6823% | 7,299 |
| Net interest margin | 4.1558% | 2,479 |
| Noninterest income to average assets | 0.4070% | 5,415 |
| Noninterest expense to average assets | 2.0115% | 7,416 |
| Loan and lease loss provision to assets | 0.3226% | 3,793 |
| Net operating income to assets | 1.5665% | 892 |
| Return on assets (ROA) | 1.4884% | 1,007 |
| Pretax return on assets | 1.9728% | 654 |
| Return on Equity (ROE) | 4.9009% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.1048% | 2,580 |
| Net charge-offs to loans | -0.0204% | 7,930 |
| Credit loss provision to net charge-offs | -2,884.6154% | 7,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6017% | 7,948 |
| Assets per employee ($millions) | 5.0762% | 1,872 |
| Cash dividends to net income (ytd only)* | 16.2428% | 4,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 7,450 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.1797% | 7,092 |
| Net loans and leases to deposits | 74.3558% | 5,805 |
| Net loans and leases to core deposits | 101.8041% | 4,636 |
| Total domestic deposits to total assets | 66.1411% | 7,651 |
| Equity capital to assets | 28.5786% | 191 |
| Core capital (leverage) ratio | 29.6137% | 186 |
| Tier 1 risk-based capital ratio | 50.3255% | 216 |
| Total risk-based capital ratio | 51.5834% | 212 |
| Memoranda: | ||
| Average total assets | $116,229,000 | 4,604 |
| Average earning assets | $111,988,200 | 4,474 |
| Average equity | $35,299,800 | 1,915 |
| Average total loans | $63,582,000 | 5,117 |