Home > Farmers State Bank > Performance and Condition Ratios
Farmers State 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 | 4.4826% | 3,123 |
| Cost of funding earning assets | 0.9772% | 3,355 |
| Net interest margin | 3.5054% | 2,167 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.4939% | 2,311 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9334% | 2,432 |
| Return on assets (ROA) | 0.9334% | 2,409 |
| Pretax return on assets | 1.1630% | 2,230 |
| Return on Equity (ROE) | 13.8000% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.9884% | 2,245 |
| Net charge-offs to loans | 0.0110% | 2,237 |
| Credit loss provision to net charge-offs | 283.8710% | 992 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 745 |
| Efficiency ratio | 67.2852% | 2,197 |
| Assets per employee ($millions) | 5.8315% | 2,958 |
| Cash dividends to net income (ytd only)* | 56.6111% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 4,232 |
| Loan loss allowance to noncurrent loans | 257.3529% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,355 |
| Noncurrent loans to loans | 0.2355% | 2,368 |
| Net loans and leases to total assets | 74.5700% | 1,287 |
| Net loans and leases to deposits | 88.1179% | 1,419 |
| Net loans and leases to core deposits | 93.2124% | 1,830 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 6.8419% | 3,999 |
| Core capital (leverage) ratio | 8.0842% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0263% | 2,235 |
| Memoranda: | ||
| Average total assets | $359,757,600 | 2,162 |
| Average earning assets | $339,023,400 | 2,130 |
| Average equity | $24,330,200 | 2,558 |
| Average total loans | $280,827,000 | 1,871 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 3,017 |
| Cost of funding earning assets | 0.8563% | 3,384 |
| Net interest margin | 3.5873% | 2,037 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.4284% | 2,438 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0354% | 2,263 |
| Return on assets (ROA) | 1.0354% | 2,249 |
| Pretax return on assets | 1.3255% | 1,957 |
| Return on Equity (ROE) | 15.3600% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.9395% | 1,986 |
| Net charge-offs to loans | 0.0105% | 2,009 |
| Credit loss provision to net charge-offs | 540.9091% | 599 |
| Earnings coverage of net charge-offs (x) | 165.1364% | 684 |
| Efficiency ratio | 63.8169% | 2,518 |
| Assets per employee ($millions) | 5.8430% | 2,890 |
| Cash dividends to net income (ytd only)* | 48.3060% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 4,265 |
| Loan loss allowance to noncurrent loans | 386.0000% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,732 |
| Noncurrent loans to loans | 0.1557% | 2,774 |
| Net loans and leases to total assets | 79.2900% | 732 |
| Net loans and leases to deposits | 93.7939% | 915 |
| Net loans and leases to core deposits | 98.9106% | 1,385 |
| Total domestic deposits to total assets | 84.5400% | 2,636 |
| Equity capital to assets | 6.3876% | 3,865 |
| Core capital (leverage) ratio | 7.9737% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5030% | 2,453 |
| Memoranda: | ||
| Average total assets | $353,477,000 | 2,188 |
| Average earning assets | $334,134,750 | 2,168 |
| Average equity | $23,829,500 | 2,578 |
| Average total loans | $278,846,500 | 1,880 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,952 |
| Cost of funding earning assets | 0.7330% | 3,398 |
| Net interest margin | 3.6405% | 1,938 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.4031% | 2,473 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1188% | 2,065 |
| Return on assets (ROA) | 1.1188% | 2,062 |
| Pretax return on assets | 1.4166% | 1,771 |
| Return on Equity (ROE) | 16.3000% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.8556% | 2,014 |
| Net charge-offs to loans | 0.0109% | 1,795 |
| Credit loss provision to net charge-offs | 426.6667% | 708 |
| Earnings coverage of net charge-offs (x) | 169.8000% | 691 |
| Efficiency ratio | 62.2133% | 2,690 |
| Assets per employee ($millions) | 5.5409% | 3,112 |
| Cash dividends to net income (ytd only)* | 51.8103% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6148% | 4,286 |
| Loan loss allowance to noncurrent loans | 425.9169% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 2,737 |
| Noncurrent loans to loans | 0.1443% | 2,744 |
| Net loans and leases to total assets | 78.1900% | 815 |
| Net loans and leases to deposits | 90.5546% | 1,136 |
| Net loans and leases to core deposits | 94.9680% | 1,525 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 6.8484% | 3,874 |
| Core capital (leverage) ratio | 8.0189% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4503% | 2,482 |
| Memoranda: | ||
| Average total assets | $350,547,000 | 2,203 |
| Average earning assets | $332,043,333 | 2,179 |
| Average equity | $24,059,333 | 2,569 |
| Average total loans | $275,463,667 | 1,888 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 2,723 |
| Cost of funding earning assets | 0.6097% | 3,350 |
| Net interest margin | 3.7230% | 1,842 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2549% | 2,943 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3339% | 1,583 |
| Return on assets (ROA) | 1.3339% | 1,551 |
| Pretax return on assets | 1.6428% | 1,379 |
| Return on Equity (ROE) | 19.4100% | 824 |
| Retained earnings to average equity (ytd only) | 12.3250% | 1,210 |
| Net charge-offs to loans | 0.0354% | 1,025 |
| Credit loss provision to net charge-offs | 108.3333% | 1,072 |
| Earnings coverage of net charge-offs (x) | 60.2500% | 1,016 |
| Efficiency ratio | 57.2901% | 3,271 |
| Assets per employee ($millions) | 5.3748% | 3,343 |
| Cash dividends to net income (ytd only)* | 36.5134% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 4,337 |
| Loan loss allowance to noncurrent loans | 384.3537% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 2,628 |
| Noncurrent loans to loans | 0.1608% | 2,681 |
| Net loans and leases to total assets | 78.0000% | 768 |
| Net loans and leases to deposits | 87.4010% | 1,260 |
| Net loans and leases to core deposits | 91.5261% | 1,527 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 6.9773% | 3,842 |
| Core capital (leverage) ratio | 8.0683% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8477% | 2,452 |
| Memoranda: | ||
| Average total assets | $345,741,000 | 2,251 |
| Average earning assets | $327,370,500 | 2,225 |
| Average equity | $23,756,500 | 2,615 |
| Average total loans | $271,522,500 | 1,919 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 1,773 |
| Cost of funding earning assets | 0.2734% | 3,118 |
| Net interest margin | 3.7027% | 1,369 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.6894% | 1,581 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8904% | 3,004 |
| Return on assets (ROA) | 0.8904% | 2,941 |
| Pretax return on assets | 1.1500% | 2,604 |
| Return on Equity (ROE) | 12.1900% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.6555% | 2,768 |
| Net charge-offs to loans | 0.0141% | 1,854 |
| Credit loss provision to net charge-offs | 688.5714% | 548 |
| Earnings coverage of net charge-offs (x) | 115.6286% | 904 |
| Efficiency ratio | 68.6284% | 1,886 |
| Assets per employee ($millions) | 5.1063% | 3,591 |
| Cash dividends to net income (ytd only)* | 53.6138% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 4,332 |
| Loan loss allowance to noncurrent loans | 372.3744% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,628 |
| Noncurrent loans to loans | 0.1629% | 2,675 |
| Net loans and leases to total assets | 78.1100% | 785 |
| Net loans and leases to deposits | 92.1977% | 903 |
| Net loans and leases to core deposits | 95.7324% | 1,220 |
| Total domestic deposits to total assets | 84.7200% | 3,055 |
| Equity capital to assets | 6.7628% | 3,782 |
| Core capital (leverage) ratio | 7.9908% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7595% | 2,467 |
| Memoranda: | ||
| Average total assets | $330,970,600 | 2,295 |
| Average earning assets | $313,504,400 | 2,268 |
| Average equity | $24,171,000 | 2,624 |
| Average total loans | $247,741,800 | 1,955 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 1,494 |
| Cost of funding earning assets | 0.2024% | 3,243 |
| Net interest margin | 3.6924% | 1,156 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.6212% | 1,665 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9263% | 2,771 |
| Return on assets (ROA) | 0.9263% | 2,739 |
| Pretax return on assets | 1.1977% | 2,376 |
| Return on Equity (ROE) | 12.4400% | 1,896 |
| Retained earnings to average equity (ytd only) | 6.6312% | 2,504 |
| Net charge-offs to loans | 0.0143% | 1,594 |
| Credit loss provision to net charge-offs | 742.3077% | 496 |
| Earnings coverage of net charge-offs (x) | 120.8077% | 841 |
| Efficiency ratio | 67.1427% | 2,140 |
| Assets per employee ($millions) | 4.8830% | 3,779 |
| Cash dividends to net income (ytd only)* | 46.7105% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 4,375 |
| Loan loss allowance to noncurrent loans | 332.3591% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,614 |
| Noncurrent loans to loans | 0.1825% | 2,672 |
| Net loans and leases to total assets | 77.4100% | 759 |
| Net loans and leases to deposits | 87.4351% | 1,070 |
| Net loans and leases to core deposits | 90.2043% | 1,282 |
| Total domestic deposits to total assets | 88.5300% | 2,267 |
| Equity capital to assets | 6.5124% | 3,735 |
| Core capital (leverage) ratio | 8.2510% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6023% | 2,620 |
| Memoranda: | ||
| Average total assets | $328,183,000 | 2,325 |
| Average earning assets | $310,903,750 | 2,297 |
| Average equity | $24,429,500 | 2,656 |
| Average total loans | $242,461,000 | 1,984 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 1,341 |
| Cost of funding earning assets | 0.1809% | 3,171 |
| Net interest margin | 3.6079% | 1,054 |
| Noninterest income to average assets | 0.3972% | 2,777 |
| Noninterest expense to average assets | 2.6243% | 1,568 |
| Loan and lease loss provision to assets | 0.0510% | 1,668 |
| Net operating income to assets | 0.8842% | 2,651 |
| Return on assets (ROA) | 0.8842% | 2,623 |
| Pretax return on assets | 1.1431% | 2,264 |
| Return on Equity (ROE) | 11.3862% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.5664% | 2,485 |
| Net charge-offs to loans | 0.0085% | 1,667 |
| Credit loss provision to net charge-offs | 830.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 194.2000% | 549 |
| Efficiency ratio | 68.5990% | 2,159 |
| Assets per employee ($millions) | 4.9043% | 3,760 |
| Cash dividends to net income (ytd only)* | 51.1127% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 4,460 |
| Loan loss allowance to noncurrent loans | 308.2305% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 2,686 |
| Noncurrent loans to loans | 0.1955% | 2,726 |
| Net loans and leases to total assets | 75.2122% | 801 |
| Net loans and leases to deposits | 81.1962% | 1,302 |
| Net loans and leases to core deposits | 83.6315% | 1,475 |
| Total domestic deposits to total assets | 92.6302% | 605 |
| Equity capital to assets | 7.1479% | 3,689 |
| Core capital (leverage) ratio | 7.9111% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6972% | 2,611 |
| Memoranda: | ||
| Average total assets | $325,269,000 | 2,356 |
| Average earning assets | $308,434,667 | 2,334 |
| Average equity | $25,258,667 | 2,664 |
| Average total loans | $235,815,667 | 2,020 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 1,381 |
| Cost of funding earning assets | 0.1784% | 3,107 |
| Net interest margin | 3.4735% | 1,138 |
| Noninterest income to average assets | 0.3856% | 2,778 |
| Noninterest expense to average assets | 2.6896% | 1,391 |
| Loan and lease loss provision to assets | 0.0507% | 1,465 |
| Net operating income to assets | 0.7280% | 2,949 |
| Return on assets (ROA) | 0.7280% | 2,939 |
| Pretax return on assets | 0.9419% | 2,626 |
| Return on Equity (ROE) | 9.0115% | 2,317 |
| Retained earnings to average equity (ytd only) | 6.3340% | 2,131 |
| Net charge-offs to loans | 0.0139% | 1,265 |
| Credit loss provision to net charge-offs | 512.5000% | 508 |
| Earnings coverage of net charge-offs (x) | 100.3750% | 673 |
| Efficiency ratio | 72.9104% | 1,867 |
| Assets per employee ($millions) | 5.2039% | 3,581 |
| Cash dividends to net income (ytd only)* | 29.7114% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 4,487 |
| Loan loss allowance to noncurrent loans | 336.7206% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 2,902 |
| Noncurrent loans to loans | 0.1868% | 2,884 |
| Net loans and leases to total assets | 68.1148% | 1,205 |
| Net loans and leases to deposits | 73.7751% | 1,625 |
| Net loans and leases to core deposits | 75.9285% | 1,787 |
| Total domestic deposits to total assets | 92.3276% | 463 |
| Equity capital to assets | 7.5119% | 3,928 |
| Core capital (leverage) ratio | 8.0508% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4524% | 2,426 |
| Memoranda: | ||
| Average total assets | $323,611,000 | 2,374 |
| Average earning assets | $307,121,000 | 2,353 |
| Average equity | $26,144,500 | 2,709 |
| Average total loans | $229,406,500 | 2,048 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 1,172 |
| Cost of funding earning assets | 0.1969% | 3,500 |
| Net interest margin | 3.8941% | 858 |
| Noninterest income to average assets | 0.4831% | 2,665 |
| Noninterest expense to average assets | 2.8990% | 1,156 |
| Loan and lease loss provision to assets | 0.0447% | 2,163 |
| Net operating income to assets | 0.9296% | 2,941 |
| Return on assets (ROA) | 0.9312% | 3,001 |
| Pretax return on assets | 1.2083% | 2,636 |
| Return on Equity (ROE) | 10.4344% | 2,376 |
| Retained earnings to average equity (ytd only) | 3.1568% | 3,563 |
| Net charge-offs to loans | -0.0215% | 4,008 |
| Credit loss provision to net charge-offs | -291.3043% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7357% | 1,768 |
| Assets per employee ($millions) | 4.7534% | 3,925 |
| Cash dividends to net income (ytd only)* | 69.7458% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 4,521 |
| Loan loss allowance to noncurrent loans | 312.5000% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 2,910 |
| Noncurrent loans to loans | 0.2009% | 2,946 |
| Net loans and leases to total assets | 72.9942% | 750 |
| Net loans and leases to deposits | 80.1441% | 1,202 |
| Net loans and leases to core deposits | 82.6439% | 1,411 |
| Total domestic deposits to total assets | 91.0788% | 468 |
| Equity capital to assets | 8.6998% | 3,884 |
| Core capital (leverage) ratio | 8.2473% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1780% | 2,571 |
| Memoranda: | ||
| Average total assets | $299,927,000 | 2,434 |
| Average earning assets | $282,424,000 | 2,420 |
| Average equity | $26,767,200 | 2,741 |
| Average total loans | $214,243,000 | 2,142 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 1,215 |
| Cost of funding earning assets | 0.2006% | 3,599 |
| Net interest margin | 3.9404% | 871 |
| Noninterest income to average assets | 0.4949% | 2,644 |
| Noninterest expense to average assets | 2.8470% | 1,223 |
| Loan and lease loss provision to assets | 0.0454% | 2,091 |
| Net operating income to assets | 1.0070% | 2,881 |
| Return on assets (ROA) | 1.0092% | 2,939 |
| Pretax return on assets | 1.3097% | 2,600 |
| Return on Equity (ROE) | 11.2342% | 2,297 |
| Retained earnings to average equity (ytd only) | 3.9641% | 3,585 |
| Net charge-offs to loans | -0.0234% | 4,030 |
| Credit loss provision to net charge-offs | -272.9730% | 3,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6693% | 1,873 |
| Assets per employee ($millions) | 4.5675% | 4,076 |
| Cash dividends to net income (ytd only)* | 64.7137% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 4,609 |
| Loan loss allowance to noncurrent loans | 291.7722% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,593 |
| Noncurrent loans to loans | 0.2134% | 3,099 |
| Net loans and leases to total assets | 73.2144% | 751 |
| Net loans and leases to deposits | 80.7303% | 1,220 |
| Net loans and leases to core deposits | 83.4239% | 1,465 |
| Total domestic deposits to total assets | 90.6901% | 474 |
| Equity capital to assets | 9.0137% | 3,819 |
| Core capital (leverage) ratio | 8.3667% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3424% | 2,600 |
| Memoranda: | ||
| Average total assets | $297,666,000 | 2,469 |
| Average earning assets | $279,830,000 | 2,451 |
| Average equity | $26,739,000 | 2,777 |
| Average total loans | $211,064,750 | 2,194 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 1,615 |
| Cost of funding earning assets | 0.2056% | 3,693 |
| Net interest margin | 3.7749% | 1,177 |
| Noninterest income to average assets | 0.5344% | 2,470 |
| Noninterest expense to average assets | 2.8522% | 1,251 |
| Loan and lease loss provision to assets | 0.0452% | 2,109 |
| Net operating income to assets | 0.9111% | 3,186 |
| Return on assets (ROA) | 0.9143% | 3,259 |
| Pretax return on assets | 1.1842% | 2,954 |
| Return on Equity (ROE) | 10.1900% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.4896% | 3,366 |
| Net charge-offs to loans | -0.0559% | 4,424 |
| Credit loss provision to net charge-offs | -115.5172% | 3,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8163% | 1,668 |
| Assets per employee ($millions) | 4.7297% | 3,902 |
| Cash dividends to net income (ytd only)* | 55.9410% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 4,608 |
| Loan loss allowance to noncurrent loans | 339.1089% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,200 |
| Noncurrent loans to loans | 0.1894% | 3,285 |
| Net loans and leases to total assets | 68.9489% | 1,331 |
| Net loans and leases to deposits | 75.8509% | 1,836 |
| Net loans and leases to core deposits | 78.6962% | 1,988 |
| Total domestic deposits to total assets | 90.9007% | 406 |
| Equity capital to assets | 8.7802% | 3,992 |
| Core capital (leverage) ratio | 8.2169% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7296% | 2,464 |
| Memoranda: | ||
| Average total assets | $296,403,667 | 2,470 |
| Average earning assets | $278,206,333 | 2,456 |
| Average equity | $26,594,667 | 2,774 |
| Average total loans | $207,389,667 | 2,226 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7741% | 2,175 |
| Cost of funding earning assets | 0.2145% | 3,782 |
| Net interest margin | 3.5596% | 1,681 |
| Noninterest income to average assets | 0.5844% | 2,276 |
| Noninterest expense to average assets | 2.9276% | 1,113 |
| Loan and lease loss provision to assets | 0.0468% | 2,146 |
| Net operating income to assets | 0.7484% | 3,579 |
| Return on assets (ROA) | 0.7549% | 3,630 |
| Pretax return on assets | 0.9502% | 3,494 |
| Return on Equity (ROE) | 8.3196% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.4403% | 3,082 |
| Net charge-offs to loans | -0.0724% | 4,527 |
| Credit loss provision to net charge-offs | -91.8919% | 2,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6138% | 1,258 |
| Assets per employee ($millions) | 4.5605% | 4,049 |
| Cash dividends to net income (ytd only)* | 34.6084% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6341% | 4,647 |
| Loan loss allowance to noncurrent loans | 203.0864% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,074 |
| Noncurrent loans to loans | 0.3122% | 2,984 |
| Net loans and leases to total assets | 68.5163% | 1,464 |
| Net loans and leases to deposits | 75.5276% | 1,964 |
| Net loans and leases to core deposits | 78.5801% | 2,131 |
| Total domestic deposits to total assets | 90.7170% | 502 |
| Equity capital to assets | 8.9345% | 3,747 |
| Core capital (leverage) ratio | 8.5555% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9632% | 2,302 |
| Memoranda: | ||
| Average total assets | $290,891,000 | 2,481 |
| Average earning assets | $272,278,500 | 2,475 |
| Average equity | $26,395,500 | 2,775 |
| Average total loans | $204,415,000 | 2,253 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,692 |
| Cost of funding earning assets | 0.4106% | 3,516 |
| Net interest margin | 3.9497% | 1,089 |
| Noninterest income to average assets | 0.5844% | 2,278 |
| Noninterest expense to average assets | 3.2134% | 1,037 |
| Loan and lease loss provision to assets | 0.0644% | 3,573 |
| Net operating income to assets | 0.7845% | 3,153 |
| Return on assets (ROA) | 0.8640% | 2,985 |
| Pretax return on assets | 1.0739% | 2,800 |
| Return on Equity (ROE) | 8.9067% | 2,438 |
| Retained earnings to average equity (ytd only) | 3.9585% | 2,848 |
| Net charge-offs to loans | 0.0214% | 2,633 |
| Credit loss provision to net charge-offs | 402.3810% | 1,425 |
| Earnings coverage of net charge-offs (x) | 64.9286% | 1,028 |
| Efficiency ratio | 75.2464% | 1,308 |
| Assets per employee ($millions) | 4.2544% | 4,173 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6185% | 4,701 |
| Loan loss allowance to noncurrent loans | 238.0497% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 3,355 |
| Noncurrent loans to loans | 0.2598% | 3,263 |
| Net loans and leases to total assets | 71.2420% | 1,396 |
| Net loans and leases to deposits | 78.8035% | 1,995 |
| Net loans and leases to core deposits | 82.1429% | 2,179 |
| Total domestic deposits to total assets | 90.4046% | 412 |
| Equity capital to assets | 9.2236% | 3,866 |
| Core capital (leverage) ratio | 8.3572% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3321% | 2,508 |
| Memoranda: | ||
| Average total assets | $262,497,200 | 2,503 |
| Average earning assets | $243,763,400 | 2,502 |
| Average equity | $25,464,000 | 2,764 |
| Average total loans | $196,171,200 | 2,271 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 1,767 |
| Cost of funding earning assets | 0.4527% | 3,513 |
| Net interest margin | 3.9772% | 1,167 |
| Noninterest income to average assets | 0.5836% | 2,234 |
| Noninterest expense to average assets | 3.2381% | 1,003 |
| Loan and lease loss provision to assets | 0.0710% | 3,435 |
| Net operating income to assets | 0.7334% | 3,343 |
| Return on assets (ROA) | 0.8359% | 3,090 |
| Pretax return on assets | 1.0969% | 2,758 |
| Return on Equity (ROE) | 8.5030% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.6389% | 3,232 |
| Net charge-offs to loans | 0.0253% | 2,327 |
| Credit loss provision to net charge-offs | 370.2703% | 1,547 |
| Earnings coverage of net charge-offs (x) | 54.2703% | 1,150 |
| Efficiency ratio | 75.3627% | 1,264 |
| Assets per employee ($millions) | 4.0667% | 4,271 |
| Cash dividends to net income (ytd only)* | 57.2047% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 4,731 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,488 |
| Noncurrent loans to loans | 0.2127% | 3,529 |
| Net loans and leases to total assets | 75.7304% | 1,135 |
| Net loans and leases to deposits | 84.2132% | 1,886 |
| Net loans and leases to core deposits | 88.2179% | 2,125 |
| Total domestic deposits to total assets | 89.9270% | 453 |
| Equity capital to assets | 9.5540% | 3,642 |
| Core capital (leverage) ratio | 8.6707% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0703% | 2,587 |
| Memoranda: | ||
| Average total assets | $257,923,750 | 2,513 |
| Average earning assets | $239,461,500 | 2,515 |
| Average equity | $25,355,250 | 2,768 |
| Average total loans | $194,892,500 | 2,281 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 1,972 |
| Cost of funding earning assets | 0.4974% | 3,547 |
| Net interest margin | 3.9848% | 1,363 |
| Noninterest income to average assets | 0.5770% | 2,223 |
| Noninterest expense to average assets | 3.2732% | 1,035 |
| Loan and lease loss provision to assets | 0.0818% | 3,263 |
| Net operating income to assets | 0.7085% | 3,368 |
| Return on assets (ROA) | 0.7185% | 3,437 |
| Pretax return on assets | 0.9252% | 3,244 |
| Return on Equity (ROE) | 7.2369% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.2985% | 4,008 |
| Net charge-offs to loans | 0.0376% | 1,989 |
| Credit loss provision to net charge-offs | 288.8889% | 1,651 |
| Earnings coverage of net charge-offs (x) | 35.1389% | 1,329 |
| Efficiency ratio | 76.3308% | 1,231 |
| Assets per employee ($millions) | 4.1304% | 4,174 |
| Cash dividends to net income (ytd only)* | 82.0569% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 4,737 |
| Loan loss allowance to noncurrent loans | 190.0641% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,300 |
| Noncurrent loans to loans | 0.3178% | 3,246 |
| Net loans and leases to total assets | 71.5943% | 1,786 |
| Net loans and leases to deposits | 79.4724% | 2,492 |
| Net loans and leases to core deposits | 83.4683% | 2,656 |
| Total domestic deposits to total assets | 90.0871% | 379 |
| Equity capital to assets | 9.3186% | 3,815 |
| Core capital (leverage) ratio | 8.5567% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8883% | 2,653 |
| Memoranda: | ||
| Average total assets | $254,431,000 | 2,514 |
| Average earning assets | $235,645,000 | 2,518 |
| Average equity | $25,259,333 | 2,761 |
| Average total loans | $191,696,667 | 2,289 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 1,676 |
| Cost of funding earning assets | 0.5423% | 3,731 |
| Net interest margin | 4.1702% | 981 |
| Noninterest income to average assets | 0.6195% | 1,954 |
| Noninterest expense to average assets | 3.4547% | 1,004 |
| Loan and lease loss provision to assets | 0.0326% | 3,363 |
| Net operating income to assets | 0.7549% | 3,080 |
| Return on assets (ROA) | 0.7549% | 3,155 |
| Pretax return on assets | 0.9684% | 2,942 |
| Return on Equity (ROE) | 7.3529% | 2,794 |
| Retained earnings to average equity (ytd only) | 4.1767% | 2,613 |
| Net charge-offs to loans | 0.0106% | 2,200 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 122.8000% | 505 |
| Efficiency ratio | 77.1679% | 1,440 |
| Assets per employee ($millions) | 3.6315% | 4,350 |
| Cash dividends to net income (ytd only)* | 43.1965% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,759 |
| Loan loss allowance to noncurrent loans | 210.5948% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,497 |
| Noncurrent loans to loans | 0.2844% | 3,473 |
| Net loans and leases to total assets | 75.0358% | 1,454 |
| Net loans and leases to deposits | 84.0330% | 2,221 |
| Net loans and leases to core deposits | 89.1812% | 2,427 |
| Total domestic deposits to total assets | 89.2933% | 549 |
| Equity capital to assets | 10.1201% | 3,677 |
| Core capital (leverage) ratio | 9.1669% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0967% | 2,652 |
| Memoranda: | ||
| Average total assets | $245,344,500 | 2,522 |
| Average earning assets | $225,696,500 | 2,529 |
| Average equity | $25,187,500 | 2,763 |
| Average total loans | $189,367,500 | 2,267 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 1,909 |
| Cost of funding earning assets | 0.5676% | 3,785 |
| Net interest margin | 4.2771% | 1,146 |
| Noninterest income to average assets | 0.7378% | 1,667 |
| Noninterest expense to average assets | 3.5474% | 907 |
| Loan and lease loss provision to assets | 0.0519% | 2,986 |
| Net operating income to assets | 0.8285% | 3,459 |
| Return on assets (ROA) | 0.8285% | 3,555 |
| Pretax return on assets | 1.0874% | 3,207 |
| Return on Equity (ROE) | 8.0917% | 3,128 |
| Retained earnings to average equity (ytd only) | 1.6584% | 4,141 |
| Net charge-offs to loans | 0.0437% | 2,514 |
| Credit loss provision to net charge-offs | 149.3976% | 1,717 |
| Earnings coverage of net charge-offs (x) | 32.8193% | 1,492 |
| Efficiency ratio | 75.3346% | 1,443 |
| Assets per employee ($millions) | 3.4303% | 4,538 |
| Cash dividends to net income (ytd only)* | 79.5053% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 4,760 |
| Loan loss allowance to noncurrent loans | 175.5102% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,371 |
| Noncurrent loans to loans | 0.3360% | 3,238 |
| Net loans and leases to total assets | 78.4889% | 1,000 |
| Net loans and leases to deposits | 87.9486% | 1,853 |
| Net loans and leases to core deposits | 93.5529% | 2,111 |
| Total domestic deposits to total assets | 89.2440% | 579 |
| Equity capital to assets | 10.4186% | 3,521 |
| Core capital (leverage) ratio | 9.2301% | 4,341 |
| Tier 1 risk-based capital ratio | 12.2209% | 4,233 |
| Total risk-based capital ratio | 12.8692% | 4,451 |
| Memoranda: | ||
| Average total assets | $239,103,000 | 2,529 |
| Average earning assets | $220,757,000 | 2,529 |
| Average equity | $24,482,000 | 2,749 |
| Average total loans | $189,834,200 | 2,235 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 2,024 |
| Cost of funding earning assets | 0.5659% | 3,839 |
| Net interest margin | 4.2657% | 1,233 |
| Noninterest income to average assets | 0.7514% | 1,588 |
| Noninterest expense to average assets | 3.4956% | 958 |
| Loan and lease loss provision to assets | 0.0620% | 2,661 |
| Net operating income to assets | 0.8731% | 3,438 |
| Return on assets (ROA) | 0.8731% | 3,523 |
| Pretax return on assets | 1.1410% | 3,163 |
| Return on Equity (ROE) | 8.5644% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.5408% | 4,074 |
| Net charge-offs to loans | 0.0274% | 2,542 |
| Credit loss provision to net charge-offs | 284.6154% | 987 |
| Earnings coverage of net charge-offs (x) | 55.2550% | 1,122 |
| Efficiency ratio | 74.0406% | 1,560 |
| Assets per employee ($millions) | 3.4204% | 4,584 |
| Cash dividends to net income (ytd only)* | 70.3325% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 4,823 |
| Loan loss allowance to noncurrent loans | 175.6881% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,473 |
| Noncurrent loans to loans | 0.3415% | 3,312 |
| Net loans and leases to total assets | 78.3828% | 1,081 |
| Net loans and leases to deposits | 87.7877% | 1,961 |
| Net loans and leases to core deposits | 93.5859% | 2,214 |
| Total domestic deposits to total assets | 89.2867% | 524 |
| Equity capital to assets | 10.3032% | 3,728 |
| Core capital (leverage) ratio | 9.4343% | 4,241 |
| Tier 1 risk-based capital ratio | 12.2722% | 4,269 |
| Total risk-based capital ratio | 12.9390% | 4,478 |
| Memoranda: | ||
| Average total assets | $238,849,250 | 2,552 |
| Average earning assets | $221,010,750 | 2,550 |
| Average equity | $24,348,250 | 2,778 |
| Average total loans | $189,896,750 | 2,257 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,900 |
| Cost of funding earning assets | 0.5618% | 3,826 |
| Net interest margin | 4.2912% | 1,164 |
| Noninterest income to average assets | 0.7267% | 1,616 |
| Noninterest expense to average assets | 3.5122% | 944 |
| Loan and lease loss provision to assets | 0.0328% | 3,174 |
| Net operating income to assets | 0.8673% | 3,409 |
| Return on assets (ROA) | 0.8673% | 3,473 |
| Pretax return on assets | 1.1502% | 3,074 |
| Return on Equity (ROE) | 8.5392% | 3,048 |
| Retained earnings to average equity (ytd only) | 1.4923% | 4,295 |
| Net charge-offs to loans | 0.0148% | 2,614 |
| Credit loss provision to net charge-offs | 278.5714% | 941 |
| Earnings coverage of net charge-offs (x) | 100.3571% | 693 |
| Efficiency ratio | 74.4440% | 1,589 |
| Assets per employee ($millions) | 3.2930% | 4,700 |
| Cash dividends to net income (ytd only)* | 82.5243% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5866% | 4,895 |
| Loan loss allowance to noncurrent loans | 169.2780% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,458 |
| Noncurrent loans to loans | 0.3465% | 3,307 |
| Net loans and leases to total assets | 78.7650% | 1,079 |
| Net loans and leases to deposits | 88.3773% | 1,957 |
| Net loans and leases to core deposits | 93.7387% | 2,260 |
| Total domestic deposits to total assets | 89.1235% | 615 |
| Equity capital to assets | 10.3982% | 3,607 |
| Core capital (leverage) ratio | 9.3964% | 4,253 |
| Tier 1 risk-based capital ratio | 12.4188% | 4,176 |
| Total risk-based capital ratio | 13.0760% | 4,403 |
| Memoranda: | ||
| Average total assets | $237,516,330 | 2,569 |
| Average earning assets | $219,657,000 | 2,568 |
| Average equity | $24,124,000 | 2,788 |
| Average total loans | $189,362,330 | 2,266 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,853 |
| Cost of funding earning assets | 0.5754% | 3,697 |
| Net interest margin | 4.2429% | 1,214 |
| Noninterest income to average assets | 0.5990% | 2,048 |
| Noninterest expense to average assets | 3.5688% | 876 |
| Loan and lease loss provision to assets | 0.0337% | 2,958 |
| Net operating income to assets | 0.6966% | 3,947 |
| Return on assets (ROA) | 0.6966% | 3,985 |
| Pretax return on assets | 0.9170% | 3,712 |
| Return on Equity (ROE) | 6.9408% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.7495% | 3,839 |
| Net charge-offs to loans | 0.0463% | 1,613 |
| Credit loss provision to net charge-offs | 90.9091% | 1,711 |
| Earnings coverage of net charge-offs (x) | 25.6818% | 1,419 |
| Efficiency ratio | 78.5927% | 1,207 |
| Assets per employee ($millions) | 3.3407% | 4,704 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 4,994 |
| Loan loss allowance to noncurrent loans | 145.0742% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,352 |
| Noncurrent loans to loans | 0.3901% | 3,188 |
| Net loans and leases to total assets | 79.6277% | 885 |
| Net loans and leases to deposits | 89.9535% | 1,640 |
| Net loans and leases to core deposits | 95.4231% | 1,984 |
| Total domestic deposits to total assets | 88.5210% | 1,082 |
| Equity capital to assets | 10.2277% | 3,595 |
| Core capital (leverage) ratio | 9.2216% | 4,446 |
| Tier 1 risk-based capital ratio | 12.3606% | 4,261 |
| Total risk-based capital ratio | 13.0002% | 4,494 |
| Memoranda: | ||
| Average total assets | $237,725,000 | 2,594 |
| Average earning assets | $219,662,000 | 2,591 |
| Average equity | $23,859,000 | 2,820 |
| Average total loans | $190,117,000 | 2,282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,987 |
| Cost of funding earning assets | 0.3512% | 4,276 |
| Net interest margin | 4.2995% | 1,159 |
| Noninterest income to average assets | 0.7412% | 1,687 |
| Noninterest expense to average assets | 3.5974% | 875 |
| Loan and lease loss provision to assets | 0.0247% | 3,676 |
| Net operating income to assets | 0.8357% | 3,671 |
| Return on assets (ROA) | 0.8357% | 3,668 |
| Pretax return on assets | 1.0969% | 3,282 |
| Return on Equity (ROE) | 8.2846% | 3,328 |
| Retained earnings to average equity (ytd only) | 2.0357% | 4,343 |
| Net charge-offs to loans | 0.0161% | 3,146 |
| Credit loss provision to net charge-offs | 190.0000% | 1,504 |
| Earnings coverage of net charge-offs (x) | 86.3000% | 819 |
| Efficiency ratio | 75.8561% | 1,386 |
| Assets per employee ($millions) | 3.4037% | 4,655 |
| Cash dividends to net income (ytd only)* | 75.4277% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5660% | 5,024 |
| Loan loss allowance to noncurrent loans | 223.4440% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,817 |
| Noncurrent loans to loans | 0.2533% | 3,673 |
| Net loans and leases to total assets | 79.4145% | 1,036 |
| Net loans and leases to deposits | 94.1789% | 1,257 |
| Net loans and leases to core deposits | 99.2452% | 1,778 |
| Total domestic deposits to total assets | 84.3230% | 2,900 |
| Equity capital to assets | 9.8460% | 3,818 |
| Core capital (leverage) ratio | 9.2185% | 4,432 |
| Tier 1 risk-based capital ratio | 11.5700% | 4,686 |
| Total risk-based capital ratio | 12.1746% | 4,897 |
| Memoranda: | ||
| Average total assets | $230,835,800 | 2,612 |
| Average earning assets | $213,560,600 | 2,615 |
| Average equity | $23,284,200 | 2,789 |
| Average total loans | $186,627,000 | 2,279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 2,023 |
| Cost of funding earning assets | 0.2775% | 4,643 |
| Net interest margin | 4.3068% | 1,101 |
| Noninterest income to average assets | 0.7558% | 1,650 |
| Noninterest expense to average assets | 3.5583% | 908 |
| Loan and lease loss provision to assets | 0.0227% | 3,565 |
| Net operating income to assets | 0.8804% | 3,623 |
| Return on assets (ROA) | 0.8804% | 3,626 |
| Pretax return on assets | 1.1605% | 3,159 |
| Return on Equity (ROE) | 8.6743% | 3,253 |
| Retained earnings to average equity (ytd only) | 2.7939% | 4,318 |
| Net charge-offs to loans | 0.0115% | 3,005 |
| Credit loss provision to net charge-offs | 243.7500% | 1,204 |
| Earnings coverage of net charge-offs (x) | 127.0169% | 630 |
| Efficiency ratio | 74.6776% | 1,499 |
| Assets per employee ($millions) | 3.2231% | 4,865 |
| Cash dividends to net income (ytd only)* | 67.7909% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 5,089 |
| Loan loss allowance to noncurrent loans | 182.4830% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 3,689 |
| Noncurrent loans to loans | 0.3126% | 3,550 |
| Net loans and leases to total assets | 80.5898% | 931 |
| Net loans and leases to deposits | 93.5390% | 1,424 |
| Net loans and leases to core deposits | 97.0625% | 2,019 |
| Total domestic deposits to total assets | 86.1563% | 2,118 |
| Equity capital to assets | 10.0249% | 3,615 |
| Core capital (leverage) ratio | 9.4870% | 4,192 |
| Tier 1 risk-based capital ratio | 11.6912% | 4,678 |
| Total risk-based capital ratio | 12.2999% | 4,915 |
| Memoranda: | ||
| Average total assets | $228,979,750 | 2,633 |
| Average earning assets | $211,906,750 | 2,637 |
| Average equity | $23,240,500 | 2,807 |
| Average total loans | $185,711,250 | 2,297 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 2,049 |
| Cost of funding earning assets | 0.2343% | 4,826 |
| Net interest margin | 4.2792% | 1,081 |
| Noninterest income to average assets | 0.7142% | 1,820 |
| Noninterest expense to average assets | 3.5332% | 954 |
| Loan and lease loss provision to assets | 0.0228% | 3,462 |
| Net operating income to assets | 0.8475% | 3,688 |
| Return on assets (ROA) | 0.8475% | 3,688 |
| Pretax return on assets | 1.1160% | 3,248 |
| Return on Equity (ROE) | 8.3159% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.2899% | 4,365 |
| Net charge-offs to loans | 0.0162% | 2,598 |
| Credit loss provision to net charge-offs | 173.3333% | 1,436 |
| Earnings coverage of net charge-offs (x) | 86.5333% | 780 |
| Efficiency ratio | 75.2488% | 1,524 |
| Assets per employee ($millions) | 3.2964% | 4,821 |
| Cash dividends to net income (ytd only)* | 72.4638% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 5,154 |
| Loan loss allowance to noncurrent loans | 210.9344% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,814 |
| Noncurrent loans to loans | 0.2715% | 3,740 |
| Net loans and leases to total assets | 79.8270% | 1,052 |
| Net loans and leases to deposits | 92.1608% | 1,563 |
| Net loans and leases to core deposits | 98.5839% | 1,850 |
| Total domestic deposits to total assets | 86.6171% | 2,009 |
| Equity capital to assets | 10.0447% | 3,579 |
| Core capital (leverage) ratio | 9.5100% | 4,105 |
| Tier 1 risk-based capital ratio | 11.8458% | 4,592 |
| Total risk-based capital ratio | 12.4637% | 4,842 |
| Memoranda: | ||
| Average total assets | $227,952,000 | 2,655 |
| Average earning assets | $210,833,670 | 2,658 |
| Average equity | $23,232,670 | 2,819 |
| Average total loans | $184,917,670 | 2,309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 1,965 |
| Cost of funding earning assets | 0.2253% | 4,863 |
| Net interest margin | 4.2421% | 1,070 |
| Noninterest income to average assets | 0.7168% | 1,758 |
| Noninterest expense to average assets | 3.5947% | 877 |
| Loan and lease loss provision to assets | 0.0230% | 3,228 |
| Net operating income to assets | 0.7804% | 3,789 |
| Return on assets (ROA) | 0.7804% | 3,787 |
| Pretax return on assets | 1.0223% | 3,455 |
| Return on Equity (ROE) | 7.6010% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.1617% | 3,529 |
| Net charge-offs to loans | 0.0260% | 1,981 |
| Credit loss provision to net charge-offs | 108.3333% | 1,467 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 951 |
| Efficiency ratio | 77.0928% | 1,447 |
| Assets per employee ($millions) | 3.1850% | 5,018 |
| Cash dividends to net income (ytd only)* | 45.2489% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 5,229 |
| Loan loss allowance to noncurrent loans | 236.7117% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 3,999 |
| Noncurrent loans to loans | 0.2428% | 3,898 |
| Net loans and leases to total assets | 79.2821% | 1,034 |
| Net loans and leases to deposits | 89.4324% | 1,757 |
| Net loans and leases to core deposits | 94.7904% | 2,075 |
| Total domestic deposits to total assets | 88.6503% | 1,284 |
| Equity capital to assets | 10.1531% | 3,448 |
| Core capital (leverage) ratio | 9.6236% | 3,934 |
| Tier 1 risk-based capital ratio | 11.9845% | 4,553 |
| Total risk-based capital ratio | 12.6050% | 4,849 |
| Memoranda: | ||
| Average total assets | $226,553,500 | 2,692 |
| Average earning assets | $209,518,500 | 2,697 |
| Average equity | $23,260,000 | 2,839 |
| Average total loans | $184,746,000 | 2,323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,764 |
| Cost of funding earning assets | 0.2271% | 4,740 |
| Net interest margin | 4.2575% | 1,060 |
| Noninterest income to average assets | 0.7580% | 1,746 |
| Noninterest expense to average assets | 3.6852% | 814 |
| Loan and lease loss provision to assets | 0.0068% | 4,130 |
| Net operating income to assets | 0.6947% | 3,622 |
| Return on assets (ROA) | 0.6947% | 3,677 |
| Pretax return on assets | 1.0000% | 3,568 |
| Return on Equity (ROE) | 6.6180% | 3,472 |
| Retained earnings to average equity (ytd only) | 0.6506% | 4,778 |
| Net charge-offs to loans | -0.0121% | 4,838 |
| Credit loss provision to net charge-offs | -68.1818% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1569% | 1,323 |
| Assets per employee ($millions) | 3.1082% | 5,118 |
| Cash dividends to net income (ytd only)* | 90.1693% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5626% | 5,307 |
| Loan loss allowance to noncurrent loans | 149.3599% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,609 |
| Noncurrent loans to loans | 0.3767% | 3,407 |
| Net loans and leases to total assets | 82.9276% | 573 |
| Net loans and leases to deposits | 95.0645% | 1,171 |
| Net loans and leases to core deposits | 101.6832% | 1,573 |
| Total domestic deposits to total assets | 87.2330% | 1,885 |
| Equity capital to assets | 10.3835% | 3,288 |
| Core capital (leverage) ratio | 9.5849% | 3,931 |
| Tier 1 risk-based capital ratio | 11.8209% | 4,644 |
| Total risk-based capital ratio | 12.4050% | 4,938 |
| Memoranda: | ||
| Average total assets | $221,098,000 | 2,720 |
| Average earning assets | $204,296,800 | 2,730 |
| Average equity | $23,209,600 | 2,836 |
| Average total loans | $181,163,400 | 2,316 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,769 |
| Cost of funding earning assets | 0.2259% | 4,770 |
| Net interest margin | 4.2303% | 1,080 |
| Noninterest income to average assets | 0.7301% | 1,869 |
| Noninterest expense to average assets | 3.6232% | 841 |
| Loan and lease loss provision to assets | 0.0085% | 3,962 |
| Net operating income to assets | 0.6424% | 4,223 |
| Return on assets (ROA) | 0.6424% | 4,274 |
| Pretax return on assets | 1.0065% | 3,661 |
| Return on Equity (ROE) | 6.1026% | 4,078 |
| Retained earnings to average equity (ytd only) | 0.4424% | 5,121 |
| Net charge-offs to loans | -0.0089% | 4,600 |
| Credit loss provision to net charge-offs | -116.6667% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7256% | 1,364 |
| Assets per employee ($millions) | 3.1360% | 5,138 |
| Cash dividends to net income (ytd only)* | 92.7498% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 5,376 |
| Loan loss allowance to noncurrent loans | 187.2072% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,667 |
| Noncurrent loans to loans | 0.3046% | 3,849 |
| Net loans and leases to total assets | 81.3651% | 782 |
| Net loans and leases to deposits | 94.4896% | 1,245 |
| Net loans and leases to core deposits | 100.5707% | 1,657 |
| Total domestic deposits to total assets | 86.1100% | 2,264 |
| Equity capital to assets | 10.4461% | 3,424 |
| Core capital (leverage) ratio | 9.5791% | 4,054 |
| Tier 1 risk-based capital ratio | 11.9736% | 4,641 |
| Total risk-based capital ratio | 12.5644% | 4,954 |
| Memoranda: | ||
| Average total assets | $220,425,500 | 2,744 |
| Average earning assets | $203,638,250 | 2,755 |
| Average equity | $23,202,750 | 2,860 |
| Average total loans | $179,796,250 | 2,341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 1,760 |
| Cost of funding earning assets | 0.2149% | 4,848 |
| Net interest margin | 4.2039% | 1,070 |
| Noninterest income to average assets | 0.6628% | 2,158 |
| Noninterest expense to average assets | 3.5843% | 885 |
| Loan and lease loss provision to assets | 0.0036% | 3,827 |
| Net operating income to assets | 0.6100% | 4,258 |
| Return on assets (ROA) | 0.6100% | 4,300 |
| Pretax return on assets | 0.9577% | 3,734 |
| Return on Equity (ROE) | 5.7798% | 4,141 |
| Retained earnings to average equity (ytd only) | -0.3451% | 5,135 |
| Net charge-offs to loans | -0.0682% | 5,289 |
| Credit loss provision to net charge-offs | -6.5574% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4498% | 1,401 |
| Assets per employee ($millions) | 3.1967% | 5,101 |
| Cash dividends to net income (ytd only)* | 105.9701% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 5,384 |
| Loan loss allowance to noncurrent loans | 154.2203% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 3,482 |
| Noncurrent loans to loans | 0.3869% | 3,641 |
| Net loans and leases to total assets | 80.2481% | 917 |
| Net loans and leases to deposits | 92.8072% | 1,382 |
| Net loans and leases to core deposits | 98.1654% | 1,791 |
| Total domestic deposits to total assets | 86.4676% | 2,169 |
| Equity capital to assets | 10.3403% | 3,527 |
| Core capital (leverage) ratio | 9.5867% | 4,032 |
| Tier 1 risk-based capital ratio | 11.1846% | 5,151 |
| Total risk-based capital ratio | 11.7619% | 5,382 |
| Memoranda: | ||
| Average total assets | $219,681,670 | 2,772 |
| Average earning assets | $202,908,000 | 2,779 |
| Average equity | $23,184,000 | 2,860 |
| Average total loans | $178,993,670 | 2,351 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 1,673 |
| Cost of funding earning assets | 0.2070% | 4,911 |
| Net interest margin | 4.1836% | 1,022 |
| Noninterest income to average assets | 0.5936% | 2,449 |
| Noninterest expense to average assets | 3.5802% | 918 |
| Loan and lease loss provision to assets | 0.0074% | 3,463 |
| Net operating income to assets | 0.5550% | 4,354 |
| Return on assets (ROA) | 0.5550% | 4,401 |
| Pretax return on assets | 0.8693% | 3,869 |
| Return on Equity (ROE) | 5.2053% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.6199% | 4,089 |
| Net charge-offs to loans | -0.1908% | 5,608 |
| Credit loss provision to net charge-offs | -4.7059% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9175% | 1,393 |
| Assets per employee ($millions) | 3.2199% | 5,139 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6225% | 5,442 |
| Loan loss allowance to noncurrent loans | 105.8598% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 3,320 |
| Noncurrent loans to loans | 0.5881% | 3,047 |
| Net loans and leases to total assets | 79.1790% | 953 |
| Net loans and leases to deposits | 88.8173% | 1,692 |
| Net loans and leases to core deposits | 94.3922% | 1,949 |
| Total domestic deposits to total assets | 89.1482% | 1,080 |
| Equity capital to assets | 10.4638% | 3,219 |
| Core capital (leverage) ratio | 9.7269% | 3,839 |
| Tier 1 risk-based capital ratio | 11.6080% | 4,970 |
| Total risk-based capital ratio | 12.2150% | 5,242 |
| Memoranda: | ||
| Average total assets | $217,639,500 | 2,813 |
| Average earning assets | $200,973,500 | 2,821 |
| Average equity | $23,207,000 | 2,867 |
| Average total loans | $178,167,500 | 2,379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 1,540 |
| Cost of funding earning assets | 0.2081% | 4,939 |
| Net interest margin | 4.2904% | 945 |
| Noninterest income to average assets | 0.8091% | 1,718 |
| Noninterest expense to average assets | 3.5255% | 1,123 |
| Loan and lease loss provision to assets | 0.0963% | 2,441 |
| Net operating income to assets | 0.7319% | 3,633 |
| Return on assets (ROA) | 0.7319% | 3,744 |
| Pretax return on assets | 1.1483% | 2,901 |
| Return on Equity (ROE) | 6.7872% | 3,590 |
| Retained earnings to average equity (ytd only) | 1.4800% | 4,671 |
| Net charge-offs to loans | 0.1118% | 2,149 |
| Credit loss provision to net charge-offs | 105.0761% | 2,471 |
| Earnings coverage of net charge-offs (x) | 13.5787% | 2,357 |
| Efficiency ratio | 73.5076% | 2,346 |
| Assets per employee ($millions) | 3.1807% | 5,173 |
| Cash dividends to net income (ytd only)* | 78.1945% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5649% | 5,584 |
| Loan loss allowance to noncurrent loans | 112.8062% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,764 |
| Noncurrent loans to loans | 0.5008% | 3,363 |
| Net loans and leases to total assets | 83.6699% | 415 |
| Net loans and leases to deposits | 97.3153% | 879 |
| Net loans and leases to core deposits | 104.0286% | 1,278 |
| Total domestic deposits to total assets | 85.9782% | 2,593 |
| Equity capital to assets | 10.8707% | 2,739 |
| Core capital (leverage) ratio | 9.9573% | 3,538 |
| Tier 1 risk-based capital ratio | 11.5161% | 5,049 |
| Total risk-based capital ratio | 12.0733% | 5,318 |
| Memoranda: | ||
| Average total assets | $214,922,000 | 2,804 |
| Average earning assets | $198,421,200 | 2,809 |
| Average equity | $23,176,000 | 2,876 |
| Average total loans | $176,178,800 | 2,350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 1,539 |
| Cost of funding earning assets | 0.2077% | 4,991 |
| Net interest margin | 4.2939% | 942 |
| Noninterest income to average assets | 0.7973% | 1,774 |
| Noninterest expense to average assets | 3.4228% | 1,306 |
| Loan and lease loss provision to assets | 0.1281% | 1,822 |
| Net operating income to assets | 0.7738% | 3,493 |
| Return on assets (ROA) | 0.7738% | 3,634 |
| Pretax return on assets | 1.2146% | 2,781 |
| Return on Equity (ROE) | 7.1904% | 3,453 |
| Retained earnings to average equity (ytd only) | 2.4160% | 4,471 |
| Net charge-offs to loans | 0.1163% | 1,786 |
| Credit loss provision to net charge-offs | 135.2941% | 1,920 |
| Earnings coverage of net charge-offs (x) | 14.1768% | 2,257 |
| Efficiency ratio | 71.4341% | 2,662 |
| Assets per employee ($millions) | 3.1011% | 5,292 |
| Cash dividends to net income (ytd only)* | 66.3999% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 5,601 |
| Loan loss allowance to noncurrent loans | 79.9546% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 2,758 |
| Noncurrent loans to loans | 0.7560% | 2,782 |
| Net loans and leases to total assets | 81.2270% | 729 |
| Net loans and leases to deposits | 91.5873% | 1,551 |
| Net loans and leases to core deposits | 98.0089% | 1,814 |
| Total domestic deposits to total assets | 88.6881% | 1,055 |
| Equity capital to assets | 10.9025% | 3,129 |
| Core capital (leverage) ratio | 9.8824% | 3,720 |
| Tier 1 risk-based capital ratio | 11.7672% | 4,940 |
| Total risk-based capital ratio | 12.3592% | 5,221 |
| Memoranda: | ||
| Average total assets | $215,376,500 | 2,811 |
| Average earning assets | $199,038,000 | 2,817 |
| Average equity | $23,178,500 | 2,897 |
| Average total loans | $175,394,250 | 2,362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 1,957 |
| Cost of funding earning assets | 0.2095% | 5,049 |
| Net interest margin | 4.1474% | 1,240 |
| Noninterest income to average assets | 0.7292% | 2,010 |
| Noninterest expense to average assets | 3.3422% | 1,505 |
| Loan and lease loss provision to assets | 0.0111% | 3,875 |
| Net operating income to assets | 0.7719% | 3,436 |
| Return on assets (ROA) | 0.7719% | 3,584 |
| Pretax return on assets | 1.2101% | 2,749 |
| Return on Equity (ROE) | 7.2033% | 3,421 |
| Retained earnings to average equity (ytd only) | 0.0259% | 5,282 |
| Net charge-offs to loans | 0.0558% | 2,395 |
| Credit loss provision to net charge-offs | 24.4898% | 2,902 |
| Earnings coverage of net charge-offs (x) | 26.8980% | 1,471 |
| Efficiency ratio | 72.8325% | 2,544 |
| Assets per employee ($millions) | 3.1257% | 5,297 |
| Cash dividends to net income (ytd only)* | 99.6399% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5525% | 5,746 |
| Loan loss allowance to noncurrent loans | 63.8045% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 2,697 |
| Noncurrent loans to loans | 0.8660% | 2,576 |
| Net loans and leases to total assets | 80.6130% | 811 |
| Net loans and leases to deposits | 90.6514% | 1,677 |
| Net loans and leases to core deposits | 96.1562% | 1,963 |
| Total domestic deposits to total assets | 88.9264% | 951 |
| Equity capital to assets | 10.6878% | 3,417 |
| Core capital (leverage) ratio | 9.5690% | 4,107 |
| Tier 1 risk-based capital ratio | 11.6651% | 5,047 |
| Total risk-based capital ratio | 12.2150% | 5,368 |
| Memoranda: | ||
| Average total assets | $215,842,670 | 2,818 |
| Average earning assets | $199,545,000 | 2,819 |
| Average equity | $23,128,330 | 2,912 |
| Average total loans | $175,570,670 | 2,357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,924 |
| Cost of funding earning assets | 0.2164% | 5,040 |
| Net interest margin | 4.1452% | 1,225 |
| Noninterest income to average assets | 0.6743% | 2,153 |
| Noninterest expense to average assets | 3.2678% | 1,674 |
| Loan and lease loss provision to assets | 0.0111% | 3,545 |
| Net operating income to assets | 0.7855% | 3,316 |
| Return on assets (ROA) | 0.7855% | 3,427 |
| Pretax return on assets | 1.2282% | 2,587 |
| Return on Equity (ROE) | 7.3208% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.0762% | 2,894 |
| Net charge-offs to loans | 0.0182% | 2,570 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 83.6250% | 614 |
| Efficiency ratio | 72.0921% | 2,789 |
| Assets per employee ($millions) | 3.1606% | 5,332 |
| Cash dividends to net income (ytd only)* | 30.6604% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5738% | 5,784 |
| Loan loss allowance to noncurrent loans | 62.2900% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,673 |
| Noncurrent loans to loans | 0.9211% | 2,548 |
| Net loans and leases to total assets | 79.5378% | 882 |
| Net loans and leases to deposits | 89.4998% | 1,639 |
| Net loans and leases to core deposits | 94.1774% | 1,974 |
| Total domestic deposits to total assets | 88.8692% | 1,173 |
| Equity capital to assets | 10.6961% | 3,264 |
| Core capital (leverage) ratio | 9.7050% | 3,905 |
| Tier 1 risk-based capital ratio | 11.7427% | 5,086 |
| Total risk-based capital ratio | 12.3084% | 5,386 |
| Memoranda: | ||
| Average total assets | $215,926,000 | 2,824 |
| Average earning assets | $199,652,500 | 2,821 |
| Average equity | $23,167,000 | 2,906 |
| Average total loans | $175,941,500 | 2,352 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 1,949 |
| Cost of funding earning assets | 0.2282% | 5,025 |
| Net interest margin | 4.1579% | 1,263 |
| Noninterest income to average assets | 0.7593% | 1,940 |
| Noninterest expense to average assets | 3.3712% | 1,542 |
| Loan and lease loss provision to assets | 0.0886% | 2,525 |
| Net operating income to assets | 0.7653% | 3,490 |
| Return on assets (ROA) | 0.7653% | 3,581 |
| Pretax return on assets | 1.1466% | 2,859 |
| Return on Equity (ROE) | 7.1626% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.1713% | 3,797 |
| Net charge-offs to loans | 0.0283% | 3,655 |
| Credit loss provision to net charge-offs | 387.7551% | 779 |
| Earnings coverage of net charge-offs (x) | 54.0816% | 950 |
| Efficiency ratio | 72.7714% | 2,780 |
| Assets per employee ($millions) | 3.0981% | 5,416 |
| Cash dividends to net income (ytd only)* | 55.7247% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 5,848 |
| Loan loss allowance to noncurrent loans | 74.4065% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 3,067 |
| Noncurrent loans to loans | 0.7598% | 2,902 |
| Net loans and leases to total assets | 82.5286% | 544 |
| Net loans and leases to deposits | 94.8603% | 1,124 |
| Net loans and leases to core deposits | 100.3607% | 1,480 |
| Total domestic deposits to total assets | 87.0002% | 2,135 |
| Equity capital to assets | 10.7629% | 3,061 |
| Core capital (leverage) ratio | 9.7660% | 3,818 |
| Tier 1 risk-based capital ratio | 11.3575% | 5,339 |
| Total risk-based capital ratio | 11.9128% | 5,609 |
| Memoranda: | ||
| Average total assets | $214,550,400 | 2,795 |
| Average earning assets | $198,516,000 | 2,795 |
| Average equity | $22,924,600 | 2,883 |
| Average total loans | $173,075,400 | 2,316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3721% | 2,004 |
| Cost of funding earning assets | 0.2336% | 5,060 |
| Net interest margin | 4.1385% | 1,305 |
| Noninterest income to average assets | 0.7780% | 1,892 |
| Noninterest expense to average assets | 3.2577% | 1,802 |
| Loan and lease loss provision to assets | 0.1018% | 2,152 |
| Net operating income to assets | 0.7960% | 3,444 |
| Return on assets (ROA) | 0.7960% | 3,541 |
| Pretax return on assets | 1.2467% | 2,619 |
| Return on Equity (ROE) | 7.4629% | 3,364 |
| Retained earnings to average equity (ytd only) | 5.6292% | 2,506 |
| Net charge-offs to loans | 0.0357% | 3,198 |
| Credit loss provision to net charge-offs | 356.5217% | 827 |
| Earnings coverage of net charge-offs (x) | 47.2188% | 1,098 |
| Efficiency ratio | 70.3195% | 3,163 |
| Assets per employee ($millions) | 2.9751% | 5,574 |
| Cash dividends to net income (ytd only)* | 24.5710% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 5,932 |
| Loan loss allowance to noncurrent loans | 69.6517% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 3,185 |
| Noncurrent loans to loans | 0.8233% | 2,913 |
| Net loans and leases to total assets | 80.4388% | 758 |
| Net loans and leases to deposits | 90.7971% | 1,551 |
| Net loans and leases to core deposits | 96.1558% | 1,862 |
| Total domestic deposits to total assets | 88.5918% | 1,248 |
| Equity capital to assets | 11.0181% | 3,008 |
| Core capital (leverage) ratio | 9.9196% | 3,745 |
| Tier 1 risk-based capital ratio | 12.3157% | 4,878 |
| Total risk-based capital ratio | 12.8875% | 5,222 |
| Memoranda: | ||
| Average total assets | $214,745,000 | 2,819 |
| Average earning assets | $198,648,500 | 2,816 |
| Average equity | $22,903,750 | 2,909 |
| Average total loans | $171,987,750 | 2,341 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,054 |
| Cost of funding earning assets | 0.2351% | 5,095 |
| Net interest margin | 4.1034% | 1,342 |
| Noninterest income to average assets | 0.7883% | 1,826 |
| Noninterest expense to average assets | 3.1614% | 2,090 |
| Loan and lease loss provision to assets | 0.1093% | 2,008 |
| Net operating income to assets | 0.8411% | 3,166 |
| Return on assets (ROA) | 0.8411% | 3,272 |
| Pretax return on assets | 1.3172% | 2,300 |
| Return on Equity (ROE) | 7.9718% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.7427% | 1,822 |
| Net charge-offs to loans | 0.0476% | 2,752 |
| Credit loss provision to net charge-offs | 287.8049% | 952 |
| Earnings coverage of net charge-offs (x) | 37.5610% | 1,181 |
| Efficiency ratio | 68.5039% | 3,592 |
| Assets per employee ($millions) | 3.0523% | 5,528 |
| Cash dividends to net income (ytd only)* | 15.4185% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5631% | 6,028 |
| Loan loss allowance to noncurrent loans | 97.2755% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 3,945 |
| Noncurrent loans to loans | 0.5788% | 3,720 |
| Net loans and leases to total assets | 79.6765% | 844 |
| Net loans and leases to deposits | 89.5580% | 1,651 |
| Net loans and leases to core deposits | 94.2041% | 1,942 |
| Total domestic deposits to total assets | 88.9663% | 1,162 |
| Equity capital to assets | 10.8217% | 3,087 |
| Core capital (leverage) ratio | 9.6298% | 4,100 |
| Tier 1 risk-based capital ratio | 12.3400% | 4,916 |
| Total risk-based capital ratio | 12.9089% | 5,281 |
| Memoranda: | ||
| Average total assets | $215,915,330 | 2,824 |
| Average earning assets | $199,933,330 | 2,819 |
| Average equity | $22,780,330 | 2,930 |
| Average total loans | $172,352,330 | 2,342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,092 |
| Cost of funding earning assets | 0.2392% | 5,135 |
| Net interest margin | 4.0650% | 1,373 |
| Noninterest income to average assets | 0.6930% | 2,190 |
| Noninterest expense to average assets | 3.1515% | 2,124 |
| Loan and lease loss provision to assets | 0.1253% | 1,656 |
| Net operating income to assets | 0.7538% | 3,512 |
| Return on assets (ROA) | 0.7538% | 3,654 |
| Pretax return on assets | 1.1740% | 2,764 |
| Return on Equity (ROE) | 7.2359% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.2359% | 1,896 |
| Net charge-offs to loans | 0.0810% | 1,899 |
| Credit loss provision to net charge-offs | 194.2857% | 1,071 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,421 |
| Efficiency ratio | 70.3934% | 3,412 |
| Assets per employee ($millions) | 2.9271% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5360% | 6,140 |
| Loan loss allowance to noncurrent loans | 109.7852% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 4,204 |
| Noncurrent loans to loans | 0.4882% | 4,114 |
| Net loans and leases to total assets | 79.9034% | 698 |
| Net loans and leases to deposits | 89.6935% | 1,423 |
| Net loans and leases to core deposits | 94.0378% | 1,767 |
| Total domestic deposits to total assets | 89.0850% | 1,212 |
| Equity capital to assets | 10.6824% | 3,334 |
| Core capital (leverage) ratio | 9.4601% | 4,335 |
| Tier 1 risk-based capital ratio | 12.1015% | 5,175 |
| Total risk-based capital ratio | 12.6441% | 5,522 |
| Memoranda: | ||
| Average total assets | $217,041,000 | 2,834 |
| Average earning assets | $200,642,000 | 2,831 |
| Average equity | $22,609,500 | 2,965 |
| Average total loans | $172,926,500 | 2,340 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,036 |
| Cost of funding earning assets | 0.2666% | 5,139 |
| Net interest margin | 4.1926% | 1,328 |
| Noninterest income to average assets | 0.7742% | 1,973 |
| Noninterest expense to average assets | 3.4185% | 1,661 |
| Loan and lease loss provision to assets | 0.1145% | 2,259 |
| Net operating income to assets | 0.7193% | 3,797 |
| Return on assets (ROA) | 0.7193% | 3,905 |
| Pretax return on assets | 1.1190% | 3,010 |
| Return on Equity (ROE) | 7.1064% | 3,571 |
| Retained earnings to average equity (ytd only) | -16.8421% | 6,398 |
| Net charge-offs to loans | 0.1125% | 2,905 |
| Credit loss provision to net charge-offs | 129.4737% | 1,842 |
| Earnings coverage of net charge-offs (x) | 13.9526% | 2,221 |
| Efficiency ratio | 73.0846% | 3,014 |
| Assets per employee ($millions) | 2.9784% | 5,726 |
| Cash dividends to net income (ytd only)* | 336.9987% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 6,247 |
| Loan loss allowance to noncurrent loans | 84.0758% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 4,094 |
| Noncurrent loans to loans | 0.6056% | 3,856 |
| Net loans and leases to total assets | 78.6329% | 931 |
| Net loans and leases to deposits | 93.9334% | 1,078 |
| Net loans and leases to core deposits | 98.6190% | 1,499 |
| Total domestic deposits to total assets | 83.7113% | 3,834 |
| Equity capital to assets | 10.1600% | 3,908 |
| Core capital (leverage) ratio | 9.1439% | 4,763 |
| Tier 1 risk-based capital ratio | 11.8814% | 5,439 |
| Total risk-based capital ratio | 12.4105% | 5,775 |
| Memoranda: | ||
| Average total assets | $214,921,800 | 2,832 |
| Average earning assets | $198,778,800 | 2,819 |
| Average equity | $21,755,000 | 2,977 |
| Average total loans | $168,906,400 | 2,331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 2,070 |
| Cost of funding earning assets | 0.2688% | 5,220 |
| Net interest margin | 4.1750% | 1,363 |
| Noninterest income to average assets | 0.7592% | 2,055 |
| Noninterest expense to average assets | 3.3871% | 1,707 |
| Loan and lease loss provision to assets | 0.1199% | 2,069 |
| Net operating income to assets | 0.7217% | 3,830 |
| Return on assets (ROA) | 0.7217% | 3,933 |
| Pretax return on assets | 1.1213% | 3,102 |
| Return on Equity (ROE) | 7.1371% | 3,640 |
| Retained earnings to average equity (ytd only) | -20.6458% | 6,493 |
| Net charge-offs to loans | 0.0899% | 2,928 |
| Credit loss provision to net charge-offs | 169.9115% | 1,450 |
| Earnings coverage of net charge-offs (x) | 17.5933% | 1,892 |
| Efficiency ratio | 72.7776% | 3,047 |
| Assets per employee ($millions) | 2.9646% | 5,769 |
| Cash dividends to net income (ytd only)* | 389.2746% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5182% | 6,314 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 4,183 |
| Noncurrent loans to loans | 0.5552% | 4,258 |
| Net loans and leases to total assets | 79.6388% | 751 |
| Net loans and leases to deposits | 95.2732% | 937 |
| Net loans and leases to core deposits | 100.0372% | 1,362 |
| Total domestic deposits to total assets | 83.5900% | 3,922 |
| Equity capital to assets | 10.3488% | 3,736 |
| Core capital (leverage) ratio | 9.3017% | 4,635 |
| Tier 1 risk-based capital ratio | 12.2065% | 5,362 |
| Total risk-based capital ratio | 12.7556% | 5,718 |
| Memoranda: | ||
| Average total assets | $213,551,250 | 2,868 |
| Average earning assets | $197,903,750 | 2,852 |
| Average equity | $21,595,500 | 2,995 |
| Average total loans | $167,583,750 | 2,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 2,054 |
| Cost of funding earning assets | 0.2687% | 5,297 |
| Net interest margin | 4.1663% | 1,328 |
| Noninterest income to average assets | 0.6843% | 2,359 |
| Noninterest expense to average assets | 3.4138% | 1,648 |
| Loan and lease loss provision to assets | 0.1068% | 2,230 |
| Net operating income to assets | 0.6559% | 4,062 |
| Return on assets (ROA) | 0.6559% | 4,161 |
| Pretax return on assets | 1.0179% | 3,406 |
| Return on Equity (ROE) | 6.5390% | 3,861 |
| Retained earnings to average equity (ytd only) | -35.8611% | 6,605 |
| Net charge-offs to loans | 0.1310% | 2,352 |
| Credit loss provision to net charge-offs | 104.6296% | 1,914 |
| Earnings coverage of net charge-offs (x) | 11.0185% | 2,192 |
| Efficiency ratio | 74.8022% | 2,839 |
| Assets per employee ($millions) | 3.0080% | 5,741 |
| Cash dividends to net income (ytd only)* | 648.4150% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 6,433 |
| Loan loss allowance to noncurrent loans | 124.2199% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 4,609 |
| Noncurrent loans to loans | 0.3889% | 4,827 |
| Net loans and leases to total assets | 78.4336% | 853 |
| Net loans and leases to deposits | 89.5050% | 1,417 |
| Net loans and leases to core deposits | 93.2541% | 1,842 |
| Total domestic deposits to total assets | 87.6304% | 2,126 |
| Equity capital to assets | 10.1363% | 3,924 |
| Core capital (leverage) ratio | 9.1124% | 4,861 |
| Tier 1 risk-based capital ratio | 12.1979% | 5,421 |
| Total risk-based capital ratio | 12.7141% | 5,775 |
| Memoranda: | ||
| Average total assets | $211,609,000 | 2,898 |
| Average earning assets | $195,760,330 | 2,887 |
| Average equity | $21,226,330 | 3,031 |
| Average total loans | $164,905,000 | 2,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,111 |
| Cost of funding earning assets | 0.2684% | 5,401 |
| Net interest margin | 4.1390% | 1,367 |
| Noninterest income to average assets | 0.6666% | 2,365 |
| Noninterest expense to average assets | 3.4640% | 1,562 |
| Loan and lease loss provision to assets | 0.1368% | 1,775 |
| Net operating income to assets | 0.5818% | 4,284 |
| Return on assets (ROA) | 0.5818% | 4,354 |
| Pretax return on assets | 0.8978% | 3,704 |
| Return on Equity (ROE) | 5.8328% | 4,113 |
| Retained earnings to average equity (ytd only) | -70.4570% | 6,695 |
| Net charge-offs to loans | 0.0174% | 3,235 |
| Credit loss provision to net charge-offs | 1,014.2857% | 302 |
| Earnings coverage of net charge-offs (x) | 76.7143% | 562 |
| Efficiency ratio | 76.5739% | 2,719 |
| Assets per employee ($millions) | 3.0930% | 5,705 |
| Cash dividends to net income (ytd only)* | 1,307.9470% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5294% | 6,477 |
| Loan loss allowance to noncurrent loans | 84.4340% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 4,398 |
| Noncurrent loans to loans | 0.6270% | 4,301 |
| Net loans and leases to total assets | 76.5807% | 937 |
| Net loans and leases to deposits | 85.3994% | 1,681 |
| Net loans and leases to core deposits | 88.8934% | 2,009 |
| Total domestic deposits to total assets | 89.6735% | 1,258 |
| Equity capital to assets | 10.1762% | 3,628 |
| Core capital (leverage) ratio | 9.1387% | 4,811 |
| Tier 1 risk-based capital ratio | 12.4797% | 5,328 |
| Total risk-based capital ratio | 13.0410% | 5,701 |
| Memoranda: | ||
| Average total assets | $207,620,000 | 2,961 |
| Average earning assets | $192,219,000 | 2,946 |
| Average equity | $20,710,500 | 3,093 |
| Average total loans | $160,824,500 | 2,449 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 3,458 |
| Cost of funding earning assets | 0.2651% | 5,870 |
| Net interest margin | 3.9042% | 2,268 |
| Noninterest income to average assets | 0.8255% | 1,962 |
| Noninterest expense to average assets | 3.5569% | 1,539 |
| Loan and lease loss provision to assets | 0.1043% | 3,055 |
| Net operating income to assets | 0.5089% | 4,697 |
| Return on assets (ROA) | 0.5089% | 4,826 |
| Pretax return on assets | 0.7718% | 4,259 |
| Return on Equity (ROE) | 5.0383% | 4,613 |
| Retained earnings to average equity (ytd only) | 0.7615% | 5,494 |
| Net charge-offs to loans | 0.1098% | 3,731 |
| Credit loss provision to net charge-offs | 126.9231% | 1,859 |
| Earnings coverage of net charge-offs (x) | 10.6603% | 2,334 |
| Efficiency ratio | 79.9406% | 2,155 |
| Assets per employee ($millions) | 2.9642% | 5,888 |
| Cash dividends to net income (ytd only)* | 84.8861% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5446% | 6,533 |
| Loan loss allowance to noncurrent loans | 82.7689% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 4,264 |
| Noncurrent loans to loans | 0.6580% | 4,323 |
| Net loans and leases to total assets | 77.5668% | 876 |
| Net loans and leases to deposits | 94.9304% | 806 |
| Net loans and leases to core deposits | 100.2457% | 1,140 |
| Total domestic deposits to total assets | 81.7092% | 4,967 |
| Equity capital to assets | 9.7496% | 4,104 |
| Core capital (leverage) ratio | 9.1255% | 4,815 |
| Tier 1 risk-based capital ratio | 12.0829% | 5,573 |
| Total risk-based capital ratio | 12.6551% | 5,897 |
| Memoranda: | ||
| Average total assets | $189,826,400 | 3,161 |
| Average earning assets | $175,400,200 | 3,140 |
| Average equity | $19,173,000 | 3,261 |
| Average total loans | $142,123,800 | 2,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 3,597 |
| Cost of funding earning assets | 0.2734% | 5,938 |
| Net interest margin | 3.8678% | 2,390 |
| Noninterest income to average assets | 0.8713% | 1,853 |
| Noninterest expense to average assets | 3.5546% | 1,486 |
| Loan and lease loss provision to assets | 0.1394% | 2,551 |
| Net operating income to assets | 0.5004% | 4,790 |
| Return on assets (ROA) | 0.5004% | 4,954 |
| Pretax return on assets | 0.7524% | 4,479 |
| Return on Equity (ROE) | 4.9102% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.1045% | 4,462 |
| Net charge-offs to loans | 0.1090% | 3,448 |
| Credit loss provision to net charge-offs | 172.8070% | 1,381 |
| Earnings coverage of net charge-offs (x) | 11.0524% | 2,283 |
| Efficiency ratio | 79.6402% | 2,156 |
| Assets per employee ($millions) | 2.8271% | 6,112 |
| Cash dividends to net income (ytd only)* | 36.7754% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 6,570 |
| Loan loss allowance to noncurrent loans | 82.8110% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 4,358 |
| Noncurrent loans to loans | 0.7141% | 4,425 |
| Net loans and leases to total assets | 76.2501% | 973 |
| Net loans and leases to deposits | 89.3184% | 1,242 |
| Net loans and leases to core deposits | 94.1663% | 1,558 |
| Total domestic deposits to total assets | 85.3689% | 3,556 |
| Equity capital to assets | 10.0780% | 3,796 |
| Core capital (leverage) ratio | 9.4413% | 4,487 |
| Tier 1 risk-based capital ratio | 12.2357% | 5,614 |
| Total risk-based capital ratio | 12.8337% | 5,984 |
| Memoranda: | ||
| Average total assets | $188,373,250 | 3,209 |
| Average earning assets | $174,118,000 | 3,189 |
| Average equity | $19,197,750 | 3,290 |
| Average total loans | $139,509,250 | 2,720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,771 |
| Cost of funding earning assets | 0.2837% | 5,956 |
| Net interest margin | 3.8072% | 2,530 |
| Noninterest income to average assets | 0.9247% | 1,731 |
| Noninterest expense to average assets | 3.5781% | 1,452 |
| Loan and lease loss provision to assets | 0.0567% | 3,869 |
| Net operating income to assets | 0.5409% | 4,604 |
| Return on assets (ROA) | 0.5409% | 4,769 |
| Pretax return on assets | 0.8050% | 4,298 |
| Return on Equity (ROE) | 5.2876% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.1381% | 3,652 |
| Net charge-offs to loans | 0.1461% | 2,938 |
| Credit loss provision to net charge-offs | 53.0000% | 3,161 |
| Earnings coverage of net charge-offs (x) | 8.0600% | 2,460 |
| Efficiency ratio | 80.2793% | 2,117 |
| Assets per employee ($millions) | 2.6892% | 6,310 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5255% | 6,685 |
| Loan loss allowance to noncurrent loans | 86.7836% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 4,423 |
| Noncurrent loans to loans | 0.6055% | 4,740 |
| Net loans and leases to total assets | 74.6118% | 1,156 |
| Net loans and leases to deposits | 84.5161% | 1,730 |
| Net loans and leases to core deposits | 89.0408% | 1,999 |
| Total domestic deposits to total assets | 88.2812% | 2,056 |
| Equity capital to assets | 10.2260% | 3,631 |
| Core capital (leverage) ratio | 9.4869% | 4,265 |
| Tier 1 risk-based capital ratio | 12.6441% | 5,398 |
| Total risk-based capital ratio | 13.1716% | 5,788 |
| Memoranda: | ||
| Average total assets | $187,084,000 | 3,243 |
| Average earning assets | $172,723,670 | 3,216 |
| Average equity | $19,139,000 | 3,309 |
| Average total loans | $136,860,330 | 2,760 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,776 |
| Cost of funding earning assets | 0.2978% | 5,979 |
| Net interest margin | 3.7894% | 2,488 |
| Noninterest income to average assets | 0.9566% | 1,588 |
| Noninterest expense to average assets | 3.5131% | 1,598 |
| Loan and lease loss provision to assets | 0.0579% | 3,664 |
| Net operating income to assets | 0.5769% | 4,329 |
| Return on assets (ROA) | 0.5769% | 4,479 |
| Pretax return on assets | 0.8793% | 3,840 |
| Return on Equity (ROE) | 5.6384% | 4,232 |
| Retained earnings to average equity (ytd only) | 4.8000% | 3,358 |
| Net charge-offs to loans | 0.0980% | 2,877 |
| Credit loss provision to net charge-offs | 81.8182% | 2,137 |
| Earnings coverage of net charge-offs (x) | 13.2424% | 1,542 |
| Efficiency ratio | 78.6506% | 2,510 |
| Assets per employee ($millions) | 2.7472% | 6,352 |
| Cash dividends to net income (ytd only)* | 14.8699% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5770% | 6,732 |
| Loan loss allowance to noncurrent loans | 75.1440% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 4,713 |
| Noncurrent loans to loans | 0.7679% | 4,590 |
| Net loans and leases to total assets | 70.1557% | 1,633 |
| Net loans and leases to deposits | 78.3103% | 2,296 |
| Net loans and leases to core deposits | 82.4717% | 2,515 |
| Total domestic deposits to total assets | 89.5869% | 1,306 |
| Equity capital to assets | 9.9774% | 4,173 |
| Core capital (leverage) ratio | 9.3961% | 4,247 |
| Tier 1 risk-based capital ratio | 12.7369% | 5,411 |
| Total risk-based capital ratio | 13.3032% | 5,838 |
| Memoranda: | ||
| Average total assets | $186,503,500 | 3,278 |
| Average earning assets | $171,952,000 | 3,257 |
| Average equity | $19,083,500 | 3,364 |
| Average total loans | $134,693,000 | 2,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 3,335 |
| Cost of funding earning assets | 0.4116% | 5,840 |
| Net interest margin | 4.1036% | 1,989 |
| Noninterest income to average assets | 1.1403% | 1,199 |
| Noninterest expense to average assets | 3.7894% | 1,271 |
| Loan and lease loss provision to assets | 0.0613% | 5,005 |
| Net operating income to assets | 0.6922% | 3,773 |
| Return on assets (ROA) | 0.6922% | 4,037 |
| Pretax return on assets | 1.0353% | 3,414 |
| Return on Equity (ROE) | 6.5044% | 3,910 |
| Retained earnings to average equity (ytd only) | -1.2562% | 6,052 |
| Net charge-offs to loans | 0.0501% | 5,212 |
| Credit loss provision to net charge-offs | 168.1818% | 1,572 |
| Earnings coverage of net charge-offs (x) | 30.0758% | 1,012 |
| Efficiency ratio | 76.2212% | 2,709 |
| Assets per employee ($millions) | 2.5815% | 6,550 |
| Cash dividends to net income (ytd only)* | 119.3136% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 6,770 |
| Loan loss allowance to noncurrent loans | 98.8722% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 4,976 |
| Noncurrent loans to loans | 0.5969% | 5,028 |
| Net loans and leases to total assets | 73.5471% | 1,256 |
| Net loans and leases to deposits | 82.5985% | 1,923 |
| Net loans and leases to core deposits | 87.5426% | 2,142 |
| Total domestic deposits to total assets | 89.0416% | 1,534 |
| Equity capital to assets | 10.5035% | 3,528 |
| Core capital (leverage) ratio | 9.5917% | 3,976 |
| Tier 1 risk-based capital ratio | 12.7921% | 5,259 |
| Total risk-based capital ratio | 13.3729% | 5,667 |
| Memoranda: | ||
| Average total assets | $181,004,400 | 3,301 |
| Average earning assets | $165,220,200 | 3,301 |
| Average equity | $19,263,800 | 3,296 |
| Average total loans | $131,807,600 | 2,850 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 3,372 |
| Cost of funding earning assets | 0.4348% | 5,904 |
| Net interest margin | 4.1279% | 1,988 |
| Noninterest income to average assets | 1.1126% | 1,218 |
| Noninterest expense to average assets | 3.7404% | 1,303 |
| Loan and lease loss provision to assets | 0.0611% | 4,951 |
| Net operating income to assets | 0.7054% | 3,892 |
| Return on assets (ROA) | 0.7054% | 4,133 |
| Pretax return on assets | 1.0721% | 3,454 |
| Return on Equity (ROE) | 6.6062% | 4,012 |
| Retained earnings to average equity (ytd only) | 2.7445% | 4,907 |
| Net charge-offs to loans | 0.0538% | 4,898 |
| Credit loss provision to net charge-offs | 156.6038% | 1,794 |
| Earnings coverage of net charge-offs (x) | 29.0398% | 1,124 |
| Efficiency ratio | 75.0567% | 2,817 |
| Assets per employee ($millions) | 2.5522% | 6,651 |
| Cash dividends to net income (ytd only)* | 58.4553% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 6,879 |
| Loan loss allowance to noncurrent loans | 48.7713% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0502% | 4,197 |
| Noncurrent loans to loans | 1.2121% | 4,030 |
| Net loans and leases to total assets | 71.8245% | 1,581 |
| Net loans and leases to deposits | 81.0551% | 2,244 |
| Net loans and leases to core deposits | 86.0229% | 2,461 |
| Total domestic deposits to total assets | 88.6119% | 1,652 |
| Equity capital to assets | 10.8804% | 3,404 |
| Core capital (leverage) ratio | 9.9164% | 3,672 |
| Tier 1 risk-based capital ratio | 13.4719% | 4,893 |
| Total risk-based capital ratio | 14.0508% | 5,372 |
| Memoranda: | ||
| Average total assets | $181,080,000 | 3,330 |
| Average earning assets | $164,988,500 | 3,341 |
| Average equity | $19,334,750 | 3,312 |
| Average total loans | $131,337,000 | 2,894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 3,280 |
| Cost of funding earning assets | 0.4602% | 5,902 |
| Net interest margin | 4.1580% | 1,874 |
| Noninterest income to average assets | 1.1036% | 1,177 |
| Noninterest expense to average assets | 3.7760% | 1,254 |
| Loan and lease loss provision to assets | 0.0619% | 4,873 |
| Net operating income to assets | 0.6640% | 4,043 |
| Return on assets (ROA) | 0.6640% | 4,306 |
| Pretax return on assets | 1.0385% | 3,565 |
| Return on Equity (ROE) | 6.2579% | 4,179 |
| Retained earnings to average equity (ytd only) | 0.6872% | 5,782 |
| Net charge-offs to loans | 0.0259% | 5,024 |
| Credit loss provision to net charge-offs | 329.4118% | 903 |
| Earnings coverage of net charge-offs (x) | 58.5882% | 648 |
| Efficiency ratio | 75.6683% | 2,796 |
| Assets per employee ($millions) | 2.6461% | 6,606 |
| Cash dividends to net income (ytd only)* | 89.0183% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 6,929 |
| Loan loss allowance to noncurrent loans | 50.4510% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 4,311 |
| Noncurrent loans to loans | 1.1969% | 4,157 |
| Net loans and leases to total assets | 69.5838% | 1,993 |
| Net loans and leases to deposits | 77.9962% | 2,670 |
| Net loans and leases to core deposits | 82.8196% | 2,853 |
| Total domestic deposits to total assets | 89.2143% | 1,380 |
| Equity capital to assets | 10.3597% | 3,862 |
| Core capital (leverage) ratio | 9.5941% | 4,009 |
| Tier 1 risk-based capital ratio | 13.1133% | 5,103 |
| Total risk-based capital ratio | 13.6953% | 5,586 |
| Memoranda: | ||
| Average total assets | $181,037,670 | 3,338 |
| Average earning assets | $164,260,670 | 3,360 |
| Average equity | $19,207,670 | 3,322 |
| Average total loans | $131,474,330 | 2,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 2,770 |
| Cost of funding earning assets | 0.4928% | 5,859 |
| Net interest margin | 4.2752% | 1,543 |
| Noninterest income to average assets | 1.2674% | 886 |
| Noninterest expense to average assets | 3.6950% | 1,382 |
| Loan and lease loss provision to assets | 0.0626% | 4,637 |
| Net operating income to assets | 0.9210% | 2,823 |
| Return on assets (ROA) | 0.9210% | 3,030 |
| Pretax return on assets | 1.3882% | 2,225 |
| Return on Equity (ROE) | 8.5757% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.3268% | 2,267 |
| Net charge-offs to loans | 0.0121% | 4,538 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 162.2500% | 224 |
| Efficiency ratio | 70.1129% | 3,785 |
| Assets per employee ($millions) | 2.6674% | 6,678 |
| Cash dividends to net income (ytd only)* | 14.5631% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5869% | 6,993 |
| Loan loss allowance to noncurrent loans | 52.4590% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0941% | 4,303 |
| Noncurrent loans to loans | 1.1188% | 4,462 |
| Net loans and leases to total assets | 69.6687% | 1,811 |
| Net loans and leases to deposits | 78.2096% | 2,469 |
| Net loans and leases to core deposits | 83.0133% | 2,688 |
| Total domestic deposits to total assets | 89.0794% | 1,653 |
| Equity capital to assets | 10.4011% | 3,616 |
| Core capital (leverage) ratio | 9.9207% | 3,468 |
| Tier 1 risk-based capital ratio | 12.9282% | 5,259 |
| Total risk-based capital ratio | 13.4831% | 5,771 |
| Memoranda: | ||
| Average total assets | $178,943,000 | 3,398 |
| Average earning assets | $162,333,000 | 3,403 |
| Average equity | $19,217,000 | 3,323 |
| Average total loans | $132,376,000 | 2,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 2,042 |
| Cost of funding earning assets | 0.7699% | 5,059 |
| Net interest margin | 4.4341% | 1,305 |
| Noninterest income to average assets | 0.9726% | 1,443 |
| Noninterest expense to average assets | 3.9515% | 1,111 |
| Loan and lease loss provision to assets | 0.0913% | 5,449 |
| Net operating income to assets | 0.6378% | 3,793 |
| Return on assets (ROA) | 0.6378% | 3,992 |
| Pretax return on assets | 0.9575% | 3,406 |
| Return on Equity (ROE) | 5.8112% | 3,961 |
| Retained earnings to average equity (ytd only) | 2.0501% | 4,756 |
| Net charge-offs to loans | 0.1828% | 4,687 |
| Credit loss provision to net charge-offs | 62.8000% | 5,097 |
| Earnings coverage of net charge-offs (x) | 7.2160% | 2,375 |
| Efficiency ratio | 77.2003% | 2,712 |
| Assets per employee ($millions) | 2.5171% | 6,817 |
| Cash dividends to net income (ytd only)* | 64.7220% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 7,058 |
| Loan loss allowance to noncurrent loans | 46.5291% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 4,212 |
| Noncurrent loans to loans | 1.1942% | 4,379 |
| Net loans and leases to total assets | 77.7928% | 731 |
| Net loans and leases to deposits | 87.9555% | 1,383 |
| Net loans and leases to core deposits | 93.7916% | 1,718 |
| Total domestic deposits to total assets | 88.4457% | 1,884 |
| Equity capital to assets | 11.1080% | 2,883 |
| Core capital (leverage) ratio | 10.1898% | 3,094 |
| Tier 1 risk-based capital ratio | 13.0551% | 5,020 |
| Total risk-based capital ratio | 13.6101% | 5,542 |
| Memoranda: | ||
| Average total assets | $172,008,600 | 3,455 |
| Average earning assets | $156,245,200 | 3,470 |
| Average equity | $18,877,400 | 3,298 |
| Average total loans | $136,732,800 | 2,863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2025% | 2,197 |
| Cost of funding earning assets | 0.8287% | 4,958 |
| Net interest margin | 4.3738% | 1,478 |
| Noninterest income to average assets | 0.9213% | 1,574 |
| Noninterest expense to average assets | 3.9166% | 1,129 |
| Loan and lease loss provision to assets | 0.1208% | 4,923 |
| Net operating income to assets | 0.5706% | 4,216 |
| Return on assets (ROA) | 0.5706% | 4,396 |
| Pretax return on assets | 0.8679% | 3,887 |
| Return on Equity (ROE) | 5.2147% | 4,443 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,941 |
| Net charge-offs to loans | 0.1795% | 4,365 |
| Credit loss provision to net charge-offs | 84.3243% | 3,991 |
| Earnings coverage of net charge-offs (x) | 6.9027% | 2,456 |
| Efficiency ratio | 77.9987% | 2,546 |
| Assets per employee ($millions) | 2.4030% | 6,983 |
| Cash dividends to net income (ytd only)* | 25.1018% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 7,094 |
| Loan loss allowance to noncurrent loans | 63.7224% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 4,587 |
| Noncurrent loans to loans | 0.9295% | 5,021 |
| Net loans and leases to total assets | 79.4795% | 562 |
| Net loans and leases to deposits | 92.5012% | 970 |
| Net loans and leases to core deposits | 98.8519% | 1,352 |
| Total domestic deposits to total assets | 85.9227% | 3,258 |
| Equity capital to assets | 11.2610% | 2,905 |
| Core capital (leverage) ratio | 10.4296% | 2,960 |
| Tier 1 risk-based capital ratio | 13.3907% | 4,815 |
| Total risk-based capital ratio | 14.0045% | 5,270 |
| Memoranda: | ||
| Average total assets | $172,219,500 | 3,480 |
| Average earning assets | $156,868,250 | 3,484 |
| Average equity | $18,843,500 | 3,308 |
| Average total loans | $137,441,500 | 2,871 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 2,460 |
| Cost of funding earning assets | 0.8667% | 4,933 |
| Net interest margin | 4.2839% | 1,725 |
| Noninterest income to average assets | 0.8509% | 1,801 |
| Noninterest expense to average assets | 3.9733% | 1,091 |
| Loan and lease loss provision to assets | 0.0660% | 5,486 |
| Net operating income to assets | 0.5024% | 4,491 |
| Return on assets (ROA) | 0.5024% | 4,631 |
| Pretax return on assets | 0.7259% | 4,296 |
| Return on Equity (ROE) | 4.6367% | 4,623 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,413 |
| Net charge-offs to loans | 0.1785% | 4,098 |
| Credit loss provision to net charge-offs | 46.3415% | 4,669 |
| Earnings coverage of net charge-offs (x) | 5.5610% | 2,586 |
| Efficiency ratio | 81.4869% | 2,175 |
| Assets per employee ($millions) | 2.4158% | 7,011 |
| Cash dividends to net income (ytd only)* | 5.7604% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 7,183 |
| Loan loss allowance to noncurrent loans | 47.4462% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.2786% | 4,342 |
| Noncurrent loans to loans | 1.1926% | 4,660 |
| Net loans and leases to total assets | 78.9930% | 649 |
| Net loans and leases to deposits | 91.0128% | 1,154 |
| Net loans and leases to core deposits | 97.8535% | 1,516 |
| Total domestic deposits to total assets | 86.7933% | 2,860 |
| Equity capital to assets | 11.0699% | 2,888 |
| Core capital (leverage) ratio | 10.0559% | 3,194 |
| Tier 1 risk-based capital ratio | 13.5879% | 4,462 |
| Total risk-based capital ratio | 14.1886% | 4,949 |
| Memoranda: | ||
| Average total assets | $172,754,330 | 3,487 |
| Average earning assets | $157,848,330 | 3,482 |
| Average equity | $18,720,330 | 3,300 |
| Average total loans | $137,784,670 | 2,894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 2,665 |
| Cost of funding earning assets | 0.9294% | 4,721 |
| Net interest margin | 4.1671% | 2,006 |
| Noninterest income to average assets | 0.7637% | 2,200 |
| Noninterest expense to average assets | 3.9291% | 1,135 |
| Loan and lease loss provision to assets | 0.0669% | 5,161 |
| Net operating income to assets | 0.4314% | 4,797 |
| Return on assets (ROA) | 0.4314% | 4,883 |
| Pretax return on assets | 0.5953% | 4,702 |
| Return on Equity (ROE) | 4.0243% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.0243% | 3,755 |
| Net charge-offs to loans | 0.1934% | 3,342 |
| Credit loss provision to net charge-offs | 43.2836% | 3,886 |
| Earnings coverage of net charge-offs (x) | 4.2836% | 2,522 |
| Efficiency ratio | 83.6181% | 2,002 |
| Assets per employee ($millions) | 2.5498% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 7,227 |
| Loan loss allowance to noncurrent loans | 44.8373% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 3,874 |
| Noncurrent loans to loans | 1.2947% | 4,536 |
| Net loans and leases to total assets | 76.6658% | 931 |
| Net loans and leases to deposits | 87.6318% | 1,503 |
| Net loans and leases to core deposits | 94.3775% | 1,847 |
| Total domestic deposits to total assets | 87.4863% | 2,668 |
| Equity capital to assets | 10.4675% | 3,214 |
| Core capital (leverage) ratio | 9.8158% | 3,368 |
| Tier 1 risk-based capital ratio | 13.4407% | 4,467 |
| Total risk-based capital ratio | 14.0658% | 4,948 |
| Memoranda: | ||
| Average total assets | $173,372,000 | 3,500 |
| Average earning assets | $159,246,500 | 3,483 |
| Average equity | $18,587,000 | 3,312 |
| Average total loans | $138,547,500 | 2,918 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 1,753 |
| Cost of funding earning assets | 1.2100% | 4,499 |
| Net interest margin | 4.4378% | 1,379 |
| Noninterest income to average assets | 1.1479% | 1,124 |
| Noninterest expense to average assets | 3.9261% | 1,266 |
| Loan and lease loss provision to assets | 0.0651% | 6,492 |
| Net operating income to assets | 0.8139% | 2,738 |
| Return on assets (ROA) | 0.8139% | 2,871 |
| Pretax return on assets | 1.2473% | 2,082 |
| Return on Equity (ROE) | 7.5488% | 2,873 |
| Retained earnings to average equity (ytd only) | 1.3720% | 4,859 |
| Net charge-offs to loans | 0.1146% | 5,733 |
| Credit loss provision to net charge-offs | 65.8385% | 5,963 |
| Earnings coverage of net charge-offs (x) | 13.2795% | 1,422 |
| Efficiency ratio | 73.2716% | 3,538 |
| Assets per employee ($millions) | 2.4744% | 7,046 |
| Cash dividends to net income (ytd only)* | 81.8250% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6002% | 7,263 |
| Loan loss allowance to noncurrent loans | 42.6606% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7812% | 3,642 |
| Noncurrent loans to loans | 1.4069% | 4,375 |
| Net loans and leases to total assets | 82.3861% | 419 |
| Net loans and leases to deposits | 96.4951% | 823 |
| Net loans and leases to core deposits | 103.2920% | 1,368 |
| Total domestic deposits to total assets | 85.3785% | 3,678 |
| Equity capital to assets | 10.9896% | 2,695 |
| Core capital (leverage) ratio | 10.2959% | 2,774 |
| Tier 1 risk-based capital ratio | 13.6028% | 4,130 |
| Total risk-based capital ratio | 14.2744% | 4,541 |
| Memoranda: | ||
| Average total assets | $162,910,800 | 3,649 |
| Average earning assets | $150,165,800 | 3,630 |
| Average equity | $17,565,600 | 3,499 |
| Average total loans | $140,534,800 | 2,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 1,785 |
| Cost of funding earning assets | 1.2569% | 4,520 |
| Net interest margin | 4.4211% | 1,459 |
| Noninterest income to average assets | 1.0695% | 1,252 |
| Noninterest expense to average assets | 3.8479% | 1,285 |
| Loan and lease loss provision to assets | 0.0660% | 6,404 |
| Net operating income to assets | 0.8029% | 2,988 |
| Return on assets (ROA) | 0.8029% | 3,142 |
| Pretax return on assets | 1.2337% | 2,383 |
| Return on Equity (ROE) | 7.4840% | 3,115 |
| Retained earnings to average equity (ytd only) | 2.9844% | 4,346 |
| Net charge-offs to loans | 0.0653% | 5,861 |
| Credit loss provision to net charge-offs | 115.9420% | 3,597 |
| Earnings coverage of net charge-offs (x) | 22.8255% | 1,076 |
| Efficiency ratio | 73.0523% | 3,513 |
| Assets per employee ($millions) | 2.4304% | 7,163 |
| Cash dividends to net income (ytd only)* | 60.1233% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 7,298 |
| Loan loss allowance to noncurrent loans | 35.8618% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 1.7784% | 3,775 |
| Noncurrent loans to loans | 1.7835% | 3,971 |
| Net loans and leases to total assets | 86.1453% | 190 |
| Net loans and leases to deposits | 107.6180% | 303 |
| Net loans and leases to core deposits | 117.5920% | 698 |
| Total domestic deposits to total assets | 80.0473% | 5,691 |
| Equity capital to assets | 10.8057% | 3,161 |
| Core capital (leverage) ratio | 10.1898% | 3,054 |
| Tier 1 risk-based capital ratio | 13.7623% | 4,013 |
| Total risk-based capital ratio | 14.5179% | 4,343 |
| Memoranda: | ||
| Average total assets | $161,573,750 | 3,729 |
| Average earning assets | $149,038,750 | 3,704 |
| Average equity | $17,334,250 | 3,585 |
| Average total loans | $140,803,750 | 2,965 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 1,810 |
| Cost of funding earning assets | 1.2996% | 4,545 |
| Net interest margin | 4.3891% | 1,479 |
| Noninterest income to average assets | 1.0350% | 1,269 |
| Noninterest expense to average assets | 3.8796% | 1,218 |
| Loan and lease loss provision to assets | 0.0658% | 6,293 |
| Net operating income to assets | 0.7273% | 3,284 |
| Return on assets (ROA) | 0.7273% | 3,444 |
| Pretax return on assets | 1.1343% | 2,657 |
| Return on Equity (ROE) | 6.7954% | 3,396 |
| Retained earnings to average equity (ytd only) | 1.1712% | 5,281 |
| Net charge-offs to loans | 0.0753% | 5,389 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 18.2453% | 1,297 |
| Efficiency ratio | 74.6396% | 3,343 |
| Assets per employee ($millions) | 2.3632% | 7,284 |
| Cash dividends to net income (ytd only)* | 82.7645% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 7,364 |
| Loan loss allowance to noncurrent loans | 38.5980% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5949% | 4,054 |
| Noncurrent loans to loans | 1.6505% | 4,229 |
| Net loans and leases to total assets | 86.5755% | 190 |
| Net loans and leases to deposits | 108.3662% | 314 |
| Net loans and leases to core deposits | 117.3752% | 788 |
| Total domestic deposits to total assets | 79.8916% | 5,760 |
| Equity capital to assets | 10.7848% | 3,087 |
| Core capital (leverage) ratio | 10.0482% | 3,119 |
| Tier 1 risk-based capital ratio | 14.1268% | 3,648 |
| Total risk-based capital ratio | 14.9076% | 3,930 |
| Memoranda: | ||
| Average total assets | $161,151,670 | 3,764 |
| Average earning assets | $148,505,000 | 3,728 |
| Average equity | $17,247,000 | 3,595 |
| Average total loans | $140,677,670 | 2,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6581% | 1,927 |
| Cost of funding earning assets | 1.3702% | 4,355 |
| Net interest margin | 4.2879% | 1,720 |
| Noninterest income to average assets | 1.0212% | 1,233 |
| Noninterest expense to average assets | 3.9931% | 1,047 |
| Loan and lease loss provision to assets | 0.0644% | 5,994 |
| Net operating income to assets | 0.5800% | 3,985 |
| Return on assets (ROA) | 0.5800% | 4,128 |
| Pretax return on assets | 0.9196% | 3,389 |
| Return on Equity (ROE) | 5.4403% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.0453% | 3,727 |
| Net charge-offs to loans | 0.0851% | 4,570 |
| Credit loss provision to net charge-offs | 86.6667% | 3,731 |
| Earnings coverage of net charge-offs (x) | 13.2333% | 1,513 |
| Efficiency ratio | 78.4861% | 2,818 |
| Assets per employee ($millions) | 2.3232% | 7,432 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6320% | 7,453 |
| Loan loss allowance to noncurrent loans | 52.9201% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1732% | 4,828 |
| Noncurrent loans to loans | 1.1942% | 4,974 |
| Net loans and leases to total assets | 85.8529% | 224 |
| Net loans and leases to deposits | 105.5113% | 450 |
| Net loans and leases to core deposits | 113.5648% | 1,060 |
| Total domestic deposits to total assets | 81.3684% | 5,321 |
| Equity capital to assets | 10.6409% | 3,104 |
| Core capital (leverage) ratio | 9.9546% | 3,222 |
| Tier 1 risk-based capital ratio | 14.6694% | 3,276 |
| Total risk-based capital ratio | 15.4747% | 3,495 |
| Memoranda: | ||
| Average total assets | $161,378,000 | 3,811 |
| Average earning assets | $148,883,000 | 3,778 |
| Average equity | $17,205,000 | 3,622 |
| Average total loans | $141,007,500 | 3,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9233% | 2,149 |
| Cost of funding earning assets | 1.8536% | 3,717 |
| Net interest margin | 4.0697% | 2,567 |
| Noninterest income to average assets | 1.0155% | 1,517 |
| Noninterest expense to average assets | 3.5529% | 2,259 |
| Loan and lease loss provision to assets | 0.0338% | 7,192 |
| Net operating income to assets | 0.7897% | 2,569 |
| Return on assets (ROA) | 0.7897% | 2,662 |
| Pretax return on assets | 1.2038% | 1,941 |
| Return on Equity (ROE) | 7.6602% | 2,511 |
| Retained earnings to average equity (ytd only) | 0.9253% | 4,376 |
| Net charge-offs to loans | 0.0872% | 6,248 |
| Credit loss provision to net charge-offs | 44.0945% | 6,800 |
| Earnings coverage of net charge-offs (x) | 16.1417% | 1,269 |
| Efficiency ratio | 72.3756% | 4,204 |
| Assets per employee ($millions) | 2.3548% | 7,400 |
| Cash dividends to net income (ytd only)* | 87.9205% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 7,516 |
| Loan loss allowance to noncurrent loans | 57.5113% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 4,746 |
| Noncurrent loans to loans | 1.0961% | 5,132 |
| Net loans and leases to total assets | 87.8136% | 181 |
| Net loans and leases to deposits | 110.2716% | 376 |
| Net loans and leases to core deposits | 126.0567% | 1,509 |
| Total domestic deposits to total assets | 79.6339% | 5,799 |
| Equity capital to assets | 10.6820% | 2,982 |
| Core capital (leverage) ratio | 9.9046% | 3,189 |
| Tier 1 risk-based capital ratio | 14.7142% | 3,092 |
| Total risk-based capital ratio | 15.5343% | 3,275 |
| Memoranda: | ||
| Average total assets | $165,639,600 | 3,678 |
| Average earning assets | $153,646,400 | 3,644 |
| Average equity | $17,075,200 | 3,657 |
| Average total loans | $145,570,800 | 2,988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8972% | 2,464 |
| Cost of funding earning assets | 1.9552% | 3,592 |
| Net interest margin | 3.9421% | 3,074 |
| Noninterest income to average assets | 0.9851% | 1,659 |
| Noninterest expense to average assets | 3.5389% | 2,175 |
| Loan and lease loss provision to assets | 0.0032% | 7,274 |
| Net operating income to assets | 0.7217% | 3,128 |
| Return on assets (ROA) | 0.7217% | 3,200 |
| Pretax return on assets | 1.1080% | 2,539 |
| Return on Equity (ROE) | 7.0619% | 3,048 |
| Retained earnings to average equity (ytd only) | 1.9842% | 4,217 |
| Net charge-offs to loans | 0.0964% | 5,706 |
| Credit loss provision to net charge-offs | 3.7736% | 6,645 |
| Earnings coverage of net charge-offs (x) | 13.1320% | 1,698 |
| Efficiency ratio | 74.2833% | 3,823 |
| Assets per employee ($millions) | 2.4719% | 7,272 |
| Cash dividends to net income (ytd only)* | 71.9033% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 7,575 |
| Loan loss allowance to noncurrent loans | 59.1753% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 4,840 |
| Noncurrent loans to loans | 1.0197% | 5,268 |
| Net loans and leases to total assets | 88.2713% | 192 |
| Net loans and leases to deposits | 110.8810% | 431 |
| Net loans and leases to core deposits | 128.8219% | 1,512 |
| Total domestic deposits to total assets | 79.6090% | 5,588 |
| Equity capital to assets | 10.7130% | 3,276 |
| Core capital (leverage) ratio | 9.8191% | 3,497 |
| Tier 1 risk-based capital ratio | 14.9271% | 3,073 |
| Total risk-based capital ratio | 15.7272% | 3,238 |
| Memoranda: | ||
| Average total assets | $167,017,250 | 3,678 |
| Average earning assets | $155,277,500 | 3,633 |
| Average equity | $17,067,750 | 3,690 |
| Average total loans | $146,586,750 | 3,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9072% | 2,555 |
| Cost of funding earning assets | 2.0501% | 3,519 |
| Net interest margin | 3.8571% | 3,308 |
| Noninterest income to average assets | 0.9685% | 1,697 |
| Noninterest expense to average assets | 3.4719% | 2,426 |
| Loan and lease loss provision to assets | 0.0035% | 7,141 |
| Net operating income to assets | 0.7024% | 3,244 |
| Return on assets (ROA) | 0.7024% | 3,350 |
| Pretax return on assets | 1.0773% | 2,711 |
| Return on Equity (ROE) | 6.9803% | 3,213 |
| Retained earnings to average equity (ytd only) | 0.5171% | 4,999 |
| Net charge-offs to loans | 0.1582% | 4,613 |
| Credit loss provision to net charge-offs | 2.5641% | 6,231 |
| Earnings coverage of net charge-offs (x) | 7.8120% | 2,381 |
| Efficiency ratio | 74.4156% | 3,967 |
| Assets per employee ($millions) | 2.6134% | 7,028 |
| Cash dividends to net income (ytd only)* | 92.5926% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5839% | 7,662 |
| Loan loss allowance to noncurrent loans | 65.7630% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 5,051 |
| Noncurrent loans to loans | 0.8878% | 5,439 |
| Net loans and leases to total assets | 86.4315% | 340 |
| Net loans and leases to deposits | 106.5377% | 736 |
| Net loans and leases to core deposits | 123.5490% | 2,063 |
| Total domestic deposits to total assets | 81.1276% | 5,027 |
| Equity capital to assets | 10.1528% | 3,765 |
| Core capital (leverage) ratio | 9.5274% | 3,844 |
| Tier 1 risk-based capital ratio | 14.5560% | 3,217 |
| Total risk-based capital ratio | 15.3371% | 3,403 |
| Memoranda: | ||
| Average total assets | $169,131,670 | 3,664 |
| Average earning assets | $157,163,330 | 3,611 |
| Average equity | $17,019,330 | 3,709 |
| Average total loans | $147,885,670 | 3,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9597% | 2,528 |
| Cost of funding earning assets | 2.2067% | 3,132 |
| Net interest margin | 3.7530% | 3,645 |
| Noninterest income to average assets | 0.9126% | 1,801 |
| Noninterest expense to average assets | 3.3327% | 2,557 |
| Loan and lease loss provision to assets | 0.0024% | 6,739 |
| Net operating income to assets | 0.6868% | 3,620 |
| Return on assets (ROA) | 0.6868% | 3,802 |
| Pretax return on assets | 1.0654% | 3,124 |
| Return on Equity (ROE) | 6.8551% | 3,643 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,713 |
| Net charge-offs to loans | 0.0966% | 4,211 |
| Credit loss provision to net charge-offs | 2.7778% | 5,237 |
| Earnings coverage of net charge-offs (x) | 12.6111% | 1,791 |
| Efficiency ratio | 73.8642% | 3,850 |
| Assets per employee ($millions) | 2.6046% | 7,087 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6329% | 7,601 |
| Loan loss allowance to noncurrent loans | 54.1108% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2558% | 4,162 |
| Noncurrent loans to loans | 1.1697% | 4,648 |
| Net loans and leases to total assets | 86.0576% | 439 |
| Net loans and leases to deposits | 108.7229% | 690 |
| Net loans and leases to core deposits | 126.8851% | 1,853 |
| Total domestic deposits to total assets | 79.1531% | 5,667 |
| Equity capital to assets | 10.1071% | 3,877 |
| Core capital (leverage) ratio | 9.2200% | 4,376 |
| Tier 1 risk-based capital ratio | 14.7201% | 3,194 |
| Total risk-based capital ratio | 15.5789% | 3,332 |
| Memoranda: | ||
| Average total assets | $170,070,000 | 3,649 |
| Average earning assets | $158,061,500 | 3,609 |
| Average equity | $17,038,500 | 3,726 |
| Average total loans | $149,123,500 | 3,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4380% | 3,231 |
| Cost of funding earning assets | 2.5937% | 3,717 |
| Net interest margin | 3.8443% | 3,821 |
| Noninterest income to average assets | 0.9523% | 1,758 |
| Noninterest expense to average assets | 3.2614% | 3,105 |
| Loan and lease loss provision to assets | 0.1685% | 5,222 |
| Net operating income to assets | 0.7191% | 3,810 |
| Return on assets (ROA) | 0.7191% | 3,642 |
| Pretax return on assets | 1.1122% | 2,987 |
| Return on Equity (ROE) | 7.4173% | 3,315 |
| Retained earnings to average equity (ytd only) | 0.6206% | 4,870 |
| Net charge-offs to loans | 0.1664% | 4,538 |
| Credit loss provision to net charge-offs | 113.0769% | 4,772 |
| Earnings coverage of net charge-offs (x) | 8.5962% | 2,853 |
| Efficiency ratio | 70.0139% | 4,348 |
| Assets per employee ($millions) | 2.6284% | 6,943 |
| Cash dividends to net income (ytd only)* | 91.6335% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6351% | 7,598 |
| Loan loss allowance to noncurrent loans | 64.8922% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 4,185 |
| Noncurrent loans to loans | 0.9787% | 4,639 |
| Net loans and leases to total assets | 88.1881% | 346 |
| Net loans and leases to deposits | 115.9623% | 522 |
| Net loans and leases to core deposits | 134.9008% | 1,542 |
| Total domestic deposits to total assets | 76.0489% | 6,225 |
| Equity capital to assets | 9.9307% | 4,122 |
| Core capital (leverage) ratio | 9.2032% | 4,435 |
| Tier 1 risk-based capital ratio | 14.1292% | 3,485 |
| Total risk-based capital ratio | 14.9955% | 3,591 |
| Memoranda: | ||
| Average total assets | $174,525,600 | 3,486 |
| Average earning assets | $162,970,400 | 3,431 |
| Average equity | $16,919,800 | 3,753 |
| Average total loans | $156,247,000 | 2,827 |