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 | 5.2789% | 1,527 |
| Cost of funding earning assets | 0.4309% | 4,264 |
| Net interest margin | 4.8480% | 394 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 3.0516% | 1,038 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.9497% | 500 |
| Return on assets (ROA) | 1.9490% | 476 |
| Pretax return on assets | 1.9490% | 723 |
| Return on Equity (ROE) | 18.1600% | 797 |
| Retained earnings to average equity (ytd only) | 9.8937% | 1,042 |
| Net charge-offs to loans | 0.1168% | 820 |
| Credit loss provision to net charge-offs | 91.6031% | 1,941 |
| Earnings coverage of net charge-offs (x) | 23.0534% | 1,798 |
| Efficiency ratio | 60.0476% | 3,071 |
| Assets per employee ($millions) | 4.7336% | 3,816 |
| Cash dividends to net income (ytd only)* | 45.5329% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 235 |
| Loan loss allowance to noncurrent loans | 1,368.1373% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 2,561 |
| Noncurrent loans to loans | 0.1718% | 2,661 |
| Net loans and leases to total assets | 81.6300% | 467 |
| Net loans and leases to deposits | 95.4282% | 831 |
| Net loans and leases to core deposits | 104.3418% | 1,200 |
| Total domestic deposits to total assets | 85.5500% | 2,147 |
| Equity capital to assets | 12.0887% | 1,100 |
| Core capital (leverage) ratio | 13.5021% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2548% | 869 |
| Memoranda: | ||
| Average total assets | $148,739,400 | 3,374 |
| Average earning assets | $145,049,400 | 3,294 |
| Average equity | $15,959,600 | 3,188 |
| Average total loans | $112,143,000 | 3,030 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 1,529 |
| Cost of funding earning assets | 0.3472% | 4,317 |
| Net interest margin | 4.8113% | 406 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.9835% | 1,095 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.9775% | 515 |
| Return on assets (ROA) | 1.9775% | 506 |
| Pretax return on assets | 1.9775% | 775 |
| Return on Equity (ROE) | 19.0000% | 822 |
| Retained earnings to average equity (ytd only) | 7.7574% | 2,051 |
| Net charge-offs to loans | 0.1593% | 531 |
| Credit loss provision to net charge-offs | 68.1818% | 1,817 |
| Earnings coverage of net charge-offs (x) | 17.5833% | 1,899 |
| Efficiency ratio | 59.1876% | 3,067 |
| Assets per employee ($millions) | 4.7914% | 3,746 |
| Cash dividends to net income (ytd only)* | 59.1663% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 234 |
| Loan loss allowance to noncurrent loans | 2,696.0784% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,134 |
| Noncurrent loans to loans | 0.0888% | 3,142 |
| Net loans and leases to total assets | 78.0200% | 879 |
| Net loans and leases to deposits | 88.0480% | 1,383 |
| Net loans and leases to core deposits | 95.8589% | 1,557 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 10.8410% | 1,412 |
| Core capital (leverage) ratio | 12.9284% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8494% | 965 |
| Memoranda: | ||
| Average total assets | $150,422,000 | 3,361 |
| Average earning assets | $146,678,000 | 3,291 |
| Average equity | $15,657,750 | 3,205 |
| Average total loans | $110,498,750 | 3,050 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 1,399 |
| Cost of funding earning assets | 0.2846% | 4,337 |
| Net interest margin | 4.8003% | 408 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.9073% | 1,197 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.0426% | 436 |
| Return on assets (ROA) | 2.0426% | 432 |
| Pretax return on assets | 2.0426% | 699 |
| Return on Equity (ROE) | 19.8800% | 717 |
| Retained earnings to average equity (ytd only) | 11.4649% | 1,080 |
| Net charge-offs to loans | 0.0642% | 915 |
| Credit loss provision to net charge-offs | 171.4286% | 1,118 |
| Earnings coverage of net charge-offs (x) | 46.2571% | 1,327 |
| Efficiency ratio | 57.8166% | 3,211 |
| Assets per employee ($millions) | 4.8058% | 3,744 |
| Cash dividends to net income (ytd only)* | 42.3348% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5461% | 204 |
| Loan loss allowance to noncurrent loans | 2,604.5455% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,012 |
| Noncurrent loans to loans | 0.0978% | 3,005 |
| Net loans and leases to total assets | 76.0600% | 1,041 |
| Net loans and leases to deposits | 85.9720% | 1,503 |
| Net loans and leases to core deposits | 90.4165% | 1,773 |
| Total domestic deposits to total assets | 88.4700% | 1,437 |
| Equity capital to assets | 11.1782% | 1,311 |
| Core capital (leverage) ratio | 12.7401% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6962% | 1,004 |
| Memoranda: | ||
| Average total assets | $152,648,667 | 3,355 |
| Average earning assets | $148,991,000 | 3,281 |
| Average equity | $15,682,667 | 3,216 |
| Average total loans | $109,031,000 | 3,062 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 1,410 |
| Cost of funding earning assets | 0.2482% | 4,297 |
| Net interest margin | 4.6502% | 482 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7689% | 1,510 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.0244% | 470 |
| Return on assets (ROA) | 2.0244% | 465 |
| Pretax return on assets | 2.0244% | 742 |
| Return on Equity (ROE) | 20.5400% | 703 |
| Retained earnings to average equity (ytd only) | 12.0005% | 1,269 |
| Net charge-offs to loans | 0.0224% | 1,237 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 137.3333% | 639 |
| Efficiency ratio | 56.8586% | 3,317 |
| Assets per employee ($millions) | 4.8120% | 3,787 |
| Cash dividends to net income (ytd only)* | 41.5617% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6442% | 194 |
| Loan loss allowance to noncurrent loans | 1,582.9670% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,687 |
| Noncurrent loans to loans | 0.1670% | 2,661 |
| Net loans and leases to total assets | 68.8900% | 1,739 |
| Net loans and leases to deposits | 77.0260% | 2,038 |
| Net loans and leases to core deposits | 80.4536% | 2,224 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 10.3524% | 1,638 |
| Core capital (leverage) ratio | 11.7037% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5342% | 1,064 |
| Memoranda: | ||
| Average total assets | $156,886,500 | 3,364 |
| Average earning assets | $153,112,500 | 3,288 |
| Average equity | $15,466,000 | 3,269 |
| Average total loans | $107,284,500 | 3,119 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 1,601 |
| Cost of funding earning assets | 0.1988% | 3,767 |
| Net interest margin | 3.8468% | 1,070 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.6503% | 1,676 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3608% | 1,242 |
| Return on assets (ROA) | 1.3608% | 1,199 |
| Pretax return on assets | 1.3608% | 1,901 |
| Return on Equity (ROE) | 14.0100% | 1,528 |
| Retained earnings to average equity (ytd only) | 5.8152% | 2,714 |
| Net charge-offs to loans | 0.0501% | 1,168 |
| Credit loss provision to net charge-offs | 231.3725% | 1,037 |
| Earnings coverage of net charge-offs (x) | 44.5490% | 1,439 |
| Efficiency ratio | 64.8678% | 2,379 |
| Assets per employee ($millions) | 5.1545% | 3,555 |
| Cash dividends to net income (ytd only)* | 58.4958% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7847% | 154 |
| Loan loss allowance to noncurrent loans | 632.4731% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 1,692 |
| Noncurrent loans to loans | 0.4403% | 1,602 |
| Net loans and leases to total assets | 64.2500% | 2,224 |
| Net loans and leases to deposits | 71.0869% | 2,480 |
| Net loans and leases to core deposits | 73.6562% | 2,592 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 9.3817% | 2,087 |
| Core capital (leverage) ratio | 11.2660% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9130% | 1,139 |
| Memoranda: | ||
| Average total assets | $158,284,800 | 3,365 |
| Average earning assets | $153,919,400 | 3,284 |
| Average equity | $15,373,400 | 3,337 |
| Average total loans | $101,745,800 | 3,127 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 1,640 |
| Cost of funding earning assets | 0.1921% | 3,370 |
| Net interest margin | 3.6467% | 1,282 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.5753% | 1,776 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2311% | 1,584 |
| Return on assets (ROA) | 1.2311% | 1,562 |
| Pretax return on assets | 1.2311% | 2,255 |
| Return on Equity (ROE) | 12.5700% | 1,847 |
| Retained earnings to average equity (ytd only) | 4.4216% | 3,318 |
| Net charge-offs to loans | 0.0661% | 829 |
| Credit loss provision to net charge-offs | 180.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 30.9600% | 1,509 |
| Efficiency ratio | 66.3332% | 2,235 |
| Assets per employee ($millions) | 5.1599% | 3,542 |
| Cash dividends to net income (ytd only)* | 64.8148% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8271% | 155 |
| Loan loss allowance to noncurrent loans | 1,457.0000% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,252 |
| Noncurrent loans to loans | 0.1940% | 2,629 |
| Net loans and leases to total assets | 62.6200% | 2,227 |
| Net loans and leases to deposits | 68.9629% | 2,457 |
| Net loans and leases to core deposits | 71.5349% | 2,522 |
| Total domestic deposits to total assets | 90.8000% | 1,318 |
| Equity capital to assets | 8.9318% | 2,257 |
| Core capital (leverage) ratio | 10.7364% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8740% | 1,204 |
| Memoranda: | ||
| Average total assets | $157,908,500 | 3,385 |
| Average earning assets | $153,374,750 | 3,316 |
| Average equity | $15,469,000 | 3,367 |
| Average total loans | $100,778,750 | 3,146 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 1,730 |
| Cost of funding earning assets | 0.1901% | 3,047 |
| Net interest margin | 3.4459% | 1,473 |
| Noninterest income to average assets | 0.3422% | 3,107 |
| Noninterest expense to average assets | 2.5454% | 1,791 |
| Loan and lease loss provision to assets | 0.0763% | 1,264 |
| Net operating income to assets | 1.0634% | 1,924 |
| Return on assets (ROA) | 1.0634% | 1,896 |
| Pretax return on assets | 1.0634% | 2,532 |
| Return on Equity (ROE) | 10.5403% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.5972% | 3,580 |
| Net charge-offs to loans | 0.0020% | 2,033 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 896.0000% | 149 |
| Efficiency ratio | 69.0715% | 2,094 |
| Assets per employee ($millions) | 5.3197% | 3,411 |
| Cash dividends to net income (ytd only)* | 75.3589% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9128% | 153 |
| Loan loss allowance to noncurrent loans | 807.9890% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,184 |
| Noncurrent loans to loans | 0.3605% | 2,066 |
| Net loans and leases to total assets | 61.2572% | 2,191 |
| Net loans and leases to deposits | 67.6851% | 2,410 |
| Net loans and leases to core deposits | 70.0023% | 2,488 |
| Total domestic deposits to total assets | 90.5032% | 1,460 |
| Equity capital to assets | 9.2743% | 2,185 |
| Core capital (leverage) ratio | 10.7074% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7525% | 1,240 |
| Memoranda: | ||
| Average total assets | $157,225,667 | 3,436 |
| Average earning assets | $152,527,667 | 3,374 |
| Average equity | $15,863,000 | 3,415 |
| Average total loans | $100,013,333 | 3,188 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 1,614 |
| Cost of funding earning assets | 0.1932% | 2,888 |
| Net interest margin | 3.3692% | 1,374 |
| Noninterest income to average assets | 0.3256% | 3,154 |
| Noninterest expense to average assets | 2.5070% | 1,866 |
| Loan and lease loss provision to assets | 0.0769% | 1,068 |
| Net operating income to assets | 1.0049% | 1,866 |
| Return on assets (ROA) | 1.0049% | 1,857 |
| Pretax return on assets | 1.0049% | 2,425 |
| Return on Equity (ROE) | 9.5645% | 2,132 |
| Retained earnings to average equity (ytd only) | 1.8787% | 3,578 |
| Net charge-offs to loans | 0.0080% | 1,457 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 416 |
| Efficiency ratio | 69.8571% | 2,253 |
| Assets per employee ($millions) | 5.4643% | 3,343 |
| Cash dividends to net income (ytd only)* | 80.3571% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9733% | 161 |
| Loan loss allowance to noncurrent loans | 924.2038% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,440 |
| Noncurrent loans to loans | 0.3217% | 2,317 |
| Net loans and leases to total assets | 59.7612% | 2,090 |
| Net loans and leases to deposits | 66.4790% | 2,296 |
| Net loans and leases to core deposits | 68.9218% | 2,376 |
| Total domestic deposits to total assets | 89.8949% | 1,624 |
| Equity capital to assets | 9.9152% | 1,963 |
| Core capital (leverage) ratio | 10.8630% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,043,000 | 3,462 |
| Average earning assets | $151,134,000 | 3,397 |
| Average equity | $16,394,000 | 3,442 |
| Average total loans | $99,673,000 | 3,196 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 706 |
| Cost of funding earning assets | 0.2492% | 2,946 |
| Net interest margin | 4.1608% | 527 |
| Noninterest income to average assets | 0.3744% | 3,192 |
| Noninterest expense to average assets | 2.9673% | 1,037 |
| Loan and lease loss provision to assets | 0.0808% | 1,513 |
| Net operating income to assets | 1.3301% | 1,518 |
| Return on assets (ROA) | 1.3301% | 1,553 |
| Pretax return on assets | 1.3301% | 2,262 |
| Return on Equity (ROE) | 11.2496% | 2,076 |
| Retained earnings to average equity (ytd only) | -15.2026% | 4,798 |
| Net charge-offs to loans | -0.0048% | 3,549 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7742% | 2,018 |
| Assets per employee ($millions) | 5.2973% | 3,480 |
| Cash dividends to net income (ytd only)* | 235.1392% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8247% | 182 |
| Loan loss allowance to noncurrent loans | 936.1564% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 2,562 |
| Noncurrent loans to loans | 0.3017% | 2,513 |
| Net loans and leases to total assets | 64.3593% | 1,661 |
| Net loans and leases to deposits | 72.6889% | 1,842 |
| Net loans and leases to core deposits | 75.4911% | 1,956 |
| Total domestic deposits to total assets | 88.5407% | 1,768 |
| Equity capital to assets | 11.1156% | 1,725 |
| Core capital (leverage) ratio | 11.1590% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7305% | 1,331 |
| Memoranda: | ||
| Average total assets | $148,487,000 | 3,497 |
| Average earning assets | $142,881,000 | 3,444 |
| Average equity | $17,556,200 | 3,423 |
| Average total loans | $103,116,000 | 3,157 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 828 |
| Cost of funding earning assets | 0.2601% | 3,016 |
| Net interest margin | 4.1277% | 621 |
| Noninterest income to average assets | 0.3560% | 3,321 |
| Noninterest expense to average assets | 2.8885% | 1,150 |
| Loan and lease loss provision to assets | 0.0904% | 1,326 |
| Net operating income to assets | 1.3441% | 1,703 |
| Return on assets (ROA) | 1.3441% | 1,756 |
| Pretax return on assets | 1.3441% | 2,502 |
| Return on Equity (ROE) | 11.1936% | 2,313 |
| Retained earnings to average equity (ytd only) | -21.8442% | 4,887 |
| Net charge-offs to loans | -0.0039% | 3,354 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8133% | 1,992 |
| Assets per employee ($millions) | 4.9090% | 3,787 |
| Cash dividends to net income (ytd only)* | 295.1482% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 227 |
| Loan loss allowance to noncurrent loans | 3,035.1064% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,702 |
| Noncurrent loans to loans | 0.0868% | 3,650 |
| Net loans and leases to total assets | 69.2568% | 1,161 |
| Net loans and leases to deposits | 78.4166% | 1,445 |
| Net loans and leases to core deposits | 81.4685% | 1,612 |
| Total domestic deposits to total assets | 88.3191% | 1,654 |
| Equity capital to assets | 11.2157% | 1,878 |
| Core capital (leverage) ratio | 11.0981% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0098% | 1,611 |
| Memoranda: | ||
| Average total assets | $147,203,250 | 3,543 |
| Average earning assets | $141,480,000 | 3,496 |
| Average equity | $17,676,250 | 3,456 |
| Average total loans | $103,459,000 | 3,196 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 949 |
| Cost of funding earning assets | 0.2696% | 3,095 |
| Net interest margin | 4.0626% | 743 |
| Noninterest income to average assets | 0.3614% | 3,291 |
| Noninterest expense to average assets | 2.8706% | 1,209 |
| Loan and lease loss provision to assets | 0.0824% | 1,479 |
| Net operating income to assets | 1.3219% | 1,796 |
| Return on assets (ROA) | 1.3219% | 1,863 |
| Pretax return on assets | 1.3219% | 2,576 |
| Return on Equity (ROE) | 10.7612% | 2,508 |
| Retained earnings to average equity (ytd only) | -35.2816% | 4,927 |
| Net charge-offs to loans | -0.0039% | 3,352 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1488% | 1,991 |
| Assets per employee ($millions) | 4.9993% | 3,659 |
| Cash dividends to net income (ytd only)* | 427.8586% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6934% | 213 |
| Loan loss allowance to noncurrent loans | 1,000.3559% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,021 |
| Noncurrent loans to loans | 0.2692% | 2,974 |
| Net loans and leases to total assets | 67.7130% | 1,485 |
| Net loans and leases to deposits | 76.6952% | 1,755 |
| Net loans and leases to core deposits | 79.6618% | 1,912 |
| Total domestic deposits to total assets | 88.2884% | 1,674 |
| Equity capital to assets | 11.2102% | 1,826 |
| Core capital (leverage) ratio | 11.2129% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8280% | 1,379 |
| Memoranda: | ||
| Average total assets | $145,544,333 | 3,572 |
| Average earning assets | $140,207,333 | 3,511 |
| Average equity | $17,879,000 | 3,438 |
| Average total loans | $101,862,667 | 3,229 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 1,220 |
| Cost of funding earning assets | 0.2770% | 3,207 |
| Net interest margin | 3.9104% | 966 |
| Noninterest income to average assets | 0.3600% | 3,285 |
| Noninterest expense to average assets | 2.8020% | 1,365 |
| Loan and lease loss provision to assets | 0.0837% | 1,558 |
| Net operating income to assets | 1.2559% | 1,958 |
| Return on assets (ROA) | 1.2559% | 2,038 |
| Pretax return on assets | 1.2559% | 2,684 |
| Return on Equity (ROE) | 9.7762% | 2,765 |
| Retained earnings to average equity (ytd only) | -73.9083% | 4,968 |
| Net charge-offs to loans | -0.0040% | 3,309 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6550% | 1,983 |
| Assets per employee ($millions) | 4.8728% | 3,782 |
| Cash dividends to net income (ytd only)* | 856.0000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6858% | 204 |
| Loan loss allowance to noncurrent loans | 908.4967% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,106 |
| Noncurrent loans to loans | 0.2956% | 3,040 |
| Net loans and leases to total assets | 68.9031% | 1,414 |
| Net loans and leases to deposits | 77.9239% | 1,721 |
| Net loans and leases to core deposits | 80.8298% | 1,928 |
| Total domestic deposits to total assets | 88.4236% | 1,646 |
| Equity capital to assets | 11.3001% | 1,658 |
| Core capital (leverage) ratio | 11.4930% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8921% | 1,605 |
| Memoranda: | ||
| Average total assets | $143,326,500 | 3,602 |
| Average earning assets | $138,606,500 | 3,528 |
| Average equity | $18,412,000 | 3,385 |
| Average total loans | $100,610,500 | 3,253 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,086 |
| Cost of funding earning assets | 0.3627% | 3,805 |
| Net interest margin | 4.2443% | 570 |
| Noninterest income to average assets | 0.3758% | 3,235 |
| Noninterest expense to average assets | 3.1790% | 1,092 |
| Loan and lease loss provision to assets | 0.0715% | 3,490 |
| Net operating income to assets | 1.1967% | 1,567 |
| Return on assets (ROA) | 1.2080% | 1,637 |
| Pretax return on assets | 1.2080% | 2,300 |
| Return on Equity (ROE) | 8.0608% | 2,795 |
| Retained earnings to average equity (ytd only) | 2.4323% | 3,643 |
| Net charge-offs to loans | 0.0585% | 1,941 |
| Credit loss provision to net charge-offs | 169.6429% | 2,319 |
| Earnings coverage of net charge-offs (x) | 30.0714% | 1,613 |
| Efficiency ratio | 71.4818% | 1,749 |
| Assets per employee ($millions) | 4.5312% | 3,884 |
| Cash dividends to net income (ytd only)* | 69.8254% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8133% | 180 |
| Loan loss allowance to noncurrent loans | 1,108.4677% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,305 |
| Noncurrent loans to loans | 0.2538% | 3,282 |
| Net loans and leases to total assets | 67.6069% | 1,866 |
| Net loans and leases to deposits | 79.2757% | 1,948 |
| Net loans and leases to core deposits | 82.9238% | 2,124 |
| Total domestic deposits to total assets | 85.2806% | 2,658 |
| Equity capital to assets | 14.4552% | 688 |
| Core capital (leverage) ratio | 14.1439% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6509% | 816 |
| Memoranda: | ||
| Average total assets | $132,776,600 | 3,594 |
| Average earning assets | $127,372,000 | 3,542 |
| Average equity | $19,898,800 | 3,197 |
| Average total loans | $95,700,000 | 3,305 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,144 |
| Cost of funding earning assets | 0.3764% | 3,928 |
| Net interest margin | 4.2892% | 599 |
| Noninterest income to average assets | 0.3811% | 3,177 |
| Noninterest expense to average assets | 3.2178% | 1,047 |
| Loan and lease loss provision to assets | 0.0665% | 3,507 |
| Net operating income to assets | 1.2074% | 1,618 |
| Return on assets (ROA) | 1.2227% | 1,688 |
| Pretax return on assets | 1.2227% | 2,309 |
| Return on Equity (ROE) | 8.0817% | 2,780 |
| Retained earnings to average equity (ytd only) | 2.4245% | 3,775 |
| Net charge-offs to loans | 0.0532% | 1,842 |
| Credit loss provision to net charge-offs | 171.0526% | 2,227 |
| Earnings coverage of net charge-offs (x) | 32.8947% | 1,513 |
| Efficiency ratio | 71.6425% | 1,683 |
| Assets per employee ($millions) | 4.3277% | 4,018 |
| Cash dividends to net income (ytd only)* | 70.0000% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7296% | 183 |
| Loan loss allowance to noncurrent loans | 809.7633% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 3,131 |
| Noncurrent loans to loans | 0.3371% | 3,073 |
| Net loans and leases to total assets | 70.4286% | 1,884 |
| Net loans and leases to deposits | 82.8439% | 2,032 |
| Net loans and leases to core deposits | 87.0760% | 2,228 |
| Total domestic deposits to total assets | 85.0135% | 2,428 |
| Equity capital to assets | 14.6204% | 707 |
| Core capital (leverage) ratio | 14.2571% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3508% | 863 |
| Memoranda: | ||
| Average total assets | $130,853,750 | 3,606 |
| Average earning assets | $125,397,500 | 3,550 |
| Average equity | $19,797,250 | 3,206 |
| Average total loans | $95,196,250 | 3,323 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,378 |
| Cost of funding earning assets | 0.3880% | 4,092 |
| Net interest margin | 4.3232% | 713 |
| Noninterest income to average assets | 0.3959% | 3,107 |
| Noninterest expense to average assets | 3.2655% | 1,052 |
| Loan and lease loss provision to assets | 0.0546% | 3,619 |
| Net operating income to assets | 1.2096% | 1,613 |
| Return on assets (ROA) | 1.2330% | 1,658 |
| Pretax return on assets | 1.2330% | 2,243 |
| Return on Equity (ROE) | 8.0520% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.3515% | 3,625 |
| Net charge-offs to loans | 0.0043% | 2,828 |
| Credit loss provision to net charge-offs | 1,750.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 405.5000% | 250 |
| Efficiency ratio | 72.0922% | 1,670 |
| Assets per employee ($millions) | 4.0409% | 4,266 |
| Cash dividends to net income (ytd only)* | 70.7965% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8773% | 151 |
| Loan loss allowance to noncurrent loans | 1,443.6842% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 3,739 |
| Noncurrent loans to loans | 0.1993% | 3,661 |
| Net loans and leases to total assets | 67.3919% | 2,441 |
| Net loans and leases to deposits | 79.3155% | 2,509 |
| Net loans and leases to core deposits | 83.5844% | 2,645 |
| Total domestic deposits to total assets | 84.9668% | 2,412 |
| Equity capital to assets | 14.6577% | 688 |
| Core capital (leverage) ratio | 14.8444% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9017% | 782 |
| Memoranda: | ||
| Average total assets | $128,310,000 | 3,614 |
| Average earning assets | $122,687,333 | 3,569 |
| Average equity | $19,647,333 | 3,211 |
| Average total loans | $93,505,000 | 3,345 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9520% | 1,060 |
| Cost of funding earning assets | 0.4101% | 4,329 |
| Net interest margin | 4.5419% | 454 |
| Noninterest income to average assets | 0.4492% | 2,794 |
| Noninterest expense to average assets | 3.4095% | 1,053 |
| Loan and lease loss provision to assets | 0.0808% | 2,699 |
| Net operating income to assets | 1.3250% | 1,172 |
| Return on assets (ROA) | 1.3315% | 1,245 |
| Pretax return on assets | 1.3315% | 1,778 |
| Return on Equity (ROE) | 8.4940% | 2,316 |
| Retained earnings to average equity (ytd only) | 2.7214% | 3,192 |
| Net charge-offs to loans | 0.0086% | 2,249 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 217.5000% | 322 |
| Efficiency ratio | 70.8054% | 2,245 |
| Assets per employee ($millions) | 3.6224% | 4,364 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9678% | 152 |
| Loan loss allowance to noncurrent loans | 1,247.9452% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 3,779 |
| Noncurrent loans to loans | 0.2378% | 3,632 |
| Net loans and leases to total assets | 72.5528% | 1,846 |
| Net loans and leases to deposits | 86.5023% | 1,929 |
| Net loans and leases to core deposits | 91.7940% | 2,187 |
| Total domestic deposits to total assets | 83.8738% | 2,829 |
| Equity capital to assets | 15.8858% | 605 |
| Core capital (leverage) ratio | 15.6609% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9867% | 748 |
| Memoranda: | ||
| Average total assets | $123,770,500 | 3,651 |
| Average earning assets | $118,981,500 | 3,588 |
| Average equity | $19,402,000 | 3,222 |
| Average total loans | $92,591,500 | 3,350 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 1,745 |
| Cost of funding earning assets | 0.4131% | 4,401 |
| Net interest margin | 4.4870% | 735 |
| Noninterest income to average assets | 0.4642% | 2,931 |
| Noninterest expense to average assets | 3.2941% | 1,309 |
| Loan and lease loss provision to assets | 0.1389% | 1,535 |
| Net operating income to assets | 1.3665% | 1,454 |
| Return on assets (ROA) | 1.3697% | 1,525 |
| Pretax return on assets | 1.3697% | 2,267 |
| Return on Equity (ROE) | 9.3196% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.9200% | 3,007 |
| Net charge-offs to loans | 0.0409% | 2,571 |
| Credit loss provision to net charge-offs | 460.5263% | 633 |
| Earnings coverage of net charge-offs (x) | 49.9211% | 1,134 |
| Efficiency ratio | 68.6343% | 2,365 |
| Assets per employee ($millions) | 3.7691% | 4,191 |
| Cash dividends to net income (ytd only)* | 57.9374% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9110% | 138 |
| Loan loss allowance to noncurrent loans | 808.9552% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,350 |
| Noncurrent loans to loans | 0.3599% | 3,162 |
| Net loans and leases to total assets | 72.6670% | 1,977 |
| Net loans and leases to deposits | 86.3102% | 2,050 |
| Net loans and leases to core deposits | 91.2804% | 2,300 |
| Total domestic deposits to total assets | 84.1929% | 2,792 |
| Equity capital to assets | 15.4678% | 692 |
| Core capital (leverage) ratio | 15.3800% | 611 |
| Tier 1 risk-based capital ratio | 19.6540% | 1,381 |
| Total risk-based capital ratio | 20.9225% | 1,350 |
| Memoranda: | ||
| Average total assets | $126,012,000 | 3,617 |
| Average earning assets | $121,750,600 | 3,539 |
| Average equity | $18,520,200 | 3,275 |
| Average total loans | $92,874,400 | 3,341 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,927 |
| Cost of funding earning assets | 0.4103% | 4,467 |
| Net interest margin | 4.4562% | 845 |
| Noninterest income to average assets | 0.4619% | 2,947 |
| Noninterest expense to average assets | 3.3043% | 1,260 |
| Loan and lease loss provision to assets | 0.1424% | 1,351 |
| Net operating income to assets | 1.3225% | 1,762 |
| Return on assets (ROA) | 1.3268% | 1,812 |
| Pretax return on assets | 1.3268% | 2,575 |
| Return on Equity (ROE) | 9.1453% | 2,829 |
| Retained earnings to average equity (ytd only) | 3.6930% | 3,551 |
| Net charge-offs to loans | 0.0244% | 2,615 |
| Credit loss provision to net charge-offs | 794.1176% | 435 |
| Earnings coverage of net charge-offs (x) | 81.6917% | 852 |
| Efficiency ratio | 69.2835% | 2,218 |
| Assets per employee ($millions) | 3.7839% | 4,182 |
| Cash dividends to net income (ytd only)* | 59.6188% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8386% | 151 |
| Loan loss allowance to noncurrent loans | 978.5455% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 3,696 |
| Noncurrent loans to loans | 0.2901% | 3,496 |
| Net loans and leases to total assets | 73.7639% | 1,860 |
| Net loans and leases to deposits | 87.5053% | 1,995 |
| Net loans and leases to core deposits | 92.0805% | 2,359 |
| Total domestic deposits to total assets | 84.2965% | 2,712 |
| Equity capital to assets | 15.3079% | 772 |
| Core capital (leverage) ratio | 15.2014% | 695 |
| Tier 1 risk-based capital ratio | 19.4777% | 1,464 |
| Total risk-based capital ratio | 20.7461% | 1,430 |
| Memoranda: | ||
| Average total assets | $126,419,750 | 3,646 |
| Average earning assets | $122,193,500 | 3,568 |
| Average equity | $18,340,500 | 3,319 |
| Average total loans | $92,819,500 | 3,381 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 2,110 |
| Cost of funding earning assets | 0.4008% | 4,503 |
| Net interest margin | 4.3830% | 971 |
| Noninterest income to average assets | 0.4490% | 2,962 |
| Noninterest expense to average assets | 3.2867% | 1,306 |
| Loan and lease loss provision to assets | 0.1418% | 1,309 |
| Net operating income to assets | 1.2589% | 1,927 |
| Return on assets (ROA) | 1.2589% | 1,987 |
| Pretax return on assets | 1.2589% | 2,715 |
| Return on Equity (ROE) | 8.8374% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.3071% | 3,573 |
| Net charge-offs to loans | 0.0391% | 2,104 |
| Credit loss provision to net charge-offs | 500.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 49.3889% | 1,102 |
| Efficiency ratio | 70.1176% | 2,205 |
| Assets per employee ($millions) | 3.9059% | 3,989 |
| Cash dividends to net income (ytd only)* | 62.5782% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7869% | 157 |
| Loan loss allowance to noncurrent loans | 2,260.6838% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,318 |
| Noncurrent loans to loans | 0.1233% | 4,125 |
| Net loans and leases to total assets | 71.5797% | 2,268 |
| Net loans and leases to deposits | 85.6157% | 2,301 |
| Net loans and leases to core deposits | 89.7167% | 2,620 |
| Total domestic deposits to total assets | 83.6059% | 3,007 |
| Equity capital to assets | 14.5360% | 937 |
| Core capital (leverage) ratio | 15.0177% | 700 |
| Tier 1 risk-based capital ratio | 19.0047% | 1,557 |
| Total risk-based capital ratio | 20.2723% | 1,515 |
| Memoranda: | ||
| Average total assets | $126,936,330 | 3,665 |
| Average earning assets | $122,747,000 | 3,587 |
| Average equity | $18,082,330 | 3,342 |
| Average total loans | $92,159,330 | 3,408 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 1,925 |
| Cost of funding earning assets | 0.3913% | 4,523 |
| Net interest margin | 4.3995% | 904 |
| Noninterest income to average assets | 0.4351% | 2,944 |
| Noninterest expense to average assets | 3.2836% | 1,323 |
| Loan and lease loss provision to assets | 0.1429% | 1,196 |
| Net operating income to assets | 1.2576% | 1,856 |
| Return on assets (ROA) | 1.2576% | 1,905 |
| Pretax return on assets | 1.2576% | 2,598 |
| Return on Equity (ROE) | 8.9212% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.2891% | 3,604 |
| Net charge-offs to loans | 0.0881% | 1,224 |
| Credit loss provision to net charge-offs | 225.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 22.0500% | 1,512 |
| Efficiency ratio | 70.1017% | 2,323 |
| Assets per employee ($millions) | 3.9267% | 4,036 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8490% | 156 |
| Loan loss allowance to noncurrent loans | 1,197.2350% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,959 |
| Noncurrent loans to loans | 0.2380% | 3,721 |
| Net loans and leases to total assets | 70.5045% | 2,405 |
| Net loans and leases to deposits | 82.5962% | 2,550 |
| Net loans and leases to core deposits | 86.3182% | 2,844 |
| Total domestic deposits to total assets | 85.3605% | 2,539 |
| Equity capital to assets | 14.4246% | 906 |
| Core capital (leverage) ratio | 14.9388% | 715 |
| Tier 1 risk-based capital ratio | 19.5018% | 1,438 |
| Total risk-based capital ratio | 20.7693% | 1,410 |
| Memoranda: | ||
| Average total assets | $125,957,500 | 3,709 |
| Average earning assets | $121,649,500 | 3,634 |
| Average equity | $17,755,500 | 3,377 |
| Average total loans | $90,785,500 | 3,474 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,560 |
| Cost of funding earning assets | 0.3602% | 4,217 |
| Net interest margin | 4.4325% | 876 |
| Noninterest income to average assets | 0.4670% | 3,012 |
| Noninterest expense to average assets | 3.2038% | 1,540 |
| Loan and lease loss provision to assets | 0.1432% | 1,500 |
| Net operating income to assets | 1.3787% | 1,509 |
| Return on assets (ROA) | 1.3763% | 1,503 |
| Pretax return on assets | 1.3763% | 2,219 |
| Return on Equity (ROE) | 10.1589% | 2,455 |
| Retained earnings to average equity (ytd only) | 4.2867% | 3,187 |
| Net charge-offs to loans | 0.0054% | 3,515 |
| Credit loss provision to net charge-offs | 3,600.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 382.6000% | 267 |
| Efficiency ratio | 67.7946% | 2,581 |
| Assets per employee ($millions) | 3.9457% | 3,968 |
| Cash dividends to net income (ytd only)* | 57.8035% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8468% | 153 |
| Loan loss allowance to noncurrent loans | 1,312.7551% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 3,849 |
| Noncurrent loans to loans | 0.2169% | 3,801 |
| Net loans and leases to total assets | 69.5451% | 2,640 |
| Net loans and leases to deposits | 80.9411% | 2,857 |
| Net loans and leases to core deposits | 84.4350% | 3,039 |
| Total domestic deposits to total assets | 85.9205% | 2,277 |
| Equity capital to assets | 13.7698% | 1,039 |
| Core capital (leverage) ratio | 14.6685% | 764 |
| Tier 1 risk-based capital ratio | 19.7686% | 1,344 |
| Total risk-based capital ratio | 21.0368% | 1,311 |
| Memoranda: | ||
| Average total assets | $125,695,200 | 3,703 |
| Average earning assets | $120,768,200 | 3,631 |
| Average equity | $17,029,400 | 3,391 |
| Average total loans | $93,013,000 | 3,422 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 1,506 |
| Cost of funding earning assets | 0.3552% | 4,147 |
| Net interest margin | 4.4115% | 879 |
| Noninterest income to average assets | 0.4609% | 3,093 |
| Noninterest expense to average assets | 3.1964% | 1,530 |
| Loan and lease loss provision to assets | 0.1434% | 1,387 |
| Net operating income to assets | 1.3550% | 1,643 |
| Return on assets (ROA) | 1.3518% | 1,671 |
| Pretax return on assets | 1.3518% | 2,418 |
| Return on Equity (ROE) | 10.0193% | 2,616 |
| Retained earnings to average equity (ytd only) | 4.1164% | 3,715 |
| Net charge-offs to loans | 0.0071% | 3,170 |
| Credit loss provision to net charge-offs | 2,700.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 282.0525% | 326 |
| Efficiency ratio | 68.0841% | 2,523 |
| Assets per employee ($millions) | 3.8805% | 4,067 |
| Cash dividends to net income (ytd only)* | 58.9163% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7240% | 185 |
| Loan loss allowance to noncurrent loans | 361.1429% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,501 |
| Noncurrent loans to loans | 0.7543% | 2,201 |
| Net loans and leases to total assets | 72.7022% | 2,214 |
| Net loans and leases to deposits | 84.5220% | 2,538 |
| Net loans and leases to core deposits | 88.2354% | 2,832 |
| Total domestic deposits to total assets | 86.0157% | 2,182 |
| Equity capital to assets | 13.6388% | 1,083 |
| Core capital (leverage) ratio | 14.5173% | 818 |
| Tier 1 risk-based capital ratio | 19.5001% | 1,436 |
| Total risk-based capital ratio | 20.7674% | 1,399 |
| Memoranda: | ||
| Average total assets | $125,553,500 | 3,740 |
| Average earning assets | $120,499,250 | 3,673 |
| Average equity | $16,940,250 | 3,424 |
| Average total loans | $93,670,750 | 3,434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,573 |
| Cost of funding earning assets | 0.3472% | 4,091 |
| Net interest margin | 4.3266% | 988 |
| Noninterest income to average assets | 0.4507% | 3,143 |
| Noninterest expense to average assets | 3.1822% | 1,587 |
| Loan and lease loss provision to assets | 0.1428% | 1,356 |
| Net operating income to assets | 1.2792% | 1,859 |
| Return on assets (ROA) | 1.2745% | 1,883 |
| Pretax return on assets | 1.2745% | 2,616 |
| Return on Equity (ROE) | 9.4796% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.5770% | 3,811 |
| Net charge-offs to loans | 0.0106% | 2,765 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 179.2000% | 457 |
| Efficiency ratio | 69.1141% | 2,461 |
| Assets per employee ($millions) | 3.9521% | 3,982 |
| Cash dividends to net income (ytd only)* | 62.2665% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6278% | 213 |
| Loan loss allowance to noncurrent loans | 507.7710% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,201 |
| Noncurrent loans to loans | 0.5175% | 2,867 |
| Net loans and leases to total assets | 72.7496% | 2,159 |
| Net loans and leases to deposits | 84.2112% | 2,513 |
| Net loans and leases to core deposits | 87.6263% | 2,755 |
| Total domestic deposits to total assets | 86.3894% | 2,101 |
| Equity capital to assets | 13.3322% | 1,168 |
| Core capital (leverage) ratio | 14.2385% | 840 |
| Tier 1 risk-based capital ratio | 18.6445% | 1,638 |
| Total risk-based capital ratio | 19.9102% | 1,599 |
| Memoranda: | ||
| Average total assets | $126,013,000 | 3,758 |
| Average earning assets | $120,973,330 | 3,688 |
| Average equity | $16,941,670 | 3,448 |
| Average total loans | $93,959,000 | 3,445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,566 |
| Cost of funding earning assets | 0.3403% | 4,062 |
| Net interest margin | 4.2619% | 1,018 |
| Noninterest income to average assets | 0.4484% | 3,123 |
| Noninterest expense to average assets | 3.1991% | 1,564 |
| Loan and lease loss provision to assets | 0.1431% | 1,314 |
| Net operating income to assets | 1.2084% | 1,968 |
| Return on assets (ROA) | 1.1989% | 2,022 |
| Pretax return on assets | 1.1989% | 2,752 |
| Return on Equity (ROE) | 8.8800% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.9914% | 4,004 |
| Net charge-offs to loans | -0.0043% | 3,957 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3005% | 2,441 |
| Assets per employee ($millions) | 3.6821% | 4,438 |
| Cash dividends to net income (ytd only)* | 66.3130% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5813% | 236 |
| Loan loss allowance to noncurrent loans | 337.1034% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 2,588 |
| Noncurrent loans to loans | 0.7657% | 2,286 |
| Net loans and leases to total assets | 73.6750% | 1,915 |
| Net loans and leases to deposits | 85.2845% | 2,265 |
| Net loans and leases to core deposits | 89.3007% | 2,514 |
| Total domestic deposits to total assets | 86.3874% | 2,368 |
| Equity capital to assets | 13.4169% | 1,064 |
| Core capital (leverage) ratio | 14.3308% | 799 |
| Tier 1 risk-based capital ratio | 18.6656% | 1,643 |
| Total risk-based capital ratio | 19.9315% | 1,598 |
| Memoranda: | ||
| Average total assets | $125,785,500 | 3,800 |
| Average earning assets | $121,073,500 | 3,733 |
| Average equity | $16,982,000 | 3,482 |
| Average total loans | $93,694,500 | 3,471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 1,635 |
| Cost of funding earning assets | 0.3058% | 4,078 |
| Net interest margin | 4.2188% | 1,149 |
| Noninterest income to average assets | 0.4482% | 3,323 |
| Noninterest expense to average assets | 3.0829% | 1,907 |
| Loan and lease loss provision to assets | 0.1464% | 1,557 |
| Net operating income to assets | 1.2706% | 1,301 |
| Return on assets (ROA) | 1.2844% | 1,285 |
| Pretax return on assets | 1.2844% | 2,412 |
| Return on Equity (ROE) | 9.5548% | 2,079 |
| Retained earnings to average equity (ytd only) | 3.5036% | 3,183 |
| Net charge-offs to loans | 0.0215% | 3,386 |
| Credit loss provision to net charge-offs | 947.3684% | 377 |
| Earnings coverage of net charge-offs (x) | 91.6842% | 686 |
| Efficiency ratio | 68.5105% | 2,791 |
| Assets per employee ($millions) | 3.8296% | 4,238 |
| Cash dividends to net income (ytd only)* | 63.3312% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5866% | 223 |
| Loan loss allowance to noncurrent loans | 372.3602% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,863 |
| Noncurrent loans to loans | 0.6946% | 2,472 |
| Net loans and leases to total assets | 71.4610% | 2,303 |
| Net loans and leases to deposits | 82.9371% | 2,617 |
| Net loans and leases to core deposits | 86.8183% | 2,844 |
| Total domestic deposits to total assets | 86.1629% | 2,363 |
| Equity capital to assets | 13.5839% | 1,028 |
| Core capital (leverage) ratio | 14.1445% | 805 |
| Tier 1 risk-based capital ratio | 18.9126% | 1,522 |
| Total risk-based capital ratio | 20.1779% | 1,481 |
| Memoranda: | ||
| Average total assets | $122,937,400 | 3,849 |
| Average earning assets | $118,065,800 | 3,785 |
| Average equity | $16,525,800 | 3,536 |
| Average total loans | $88,494,800 | 3,550 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,590 |
| Cost of funding earning assets | 0.2992% | 4,141 |
| Net interest margin | 4.2197% | 1,108 |
| Noninterest income to average assets | 0.4456% | 3,363 |
| Noninterest expense to average assets | 3.0767% | 1,871 |
| Loan and lease loss provision to assets | 0.1474% | 1,420 |
| Net operating income to assets | 1.2724% | 1,427 |
| Return on assets (ROA) | 1.2833% | 1,418 |
| Pretax return on assets | 1.2833% | 2,574 |
| Return on Equity (ROE) | 9.5728% | 2,313 |
| Retained earnings to average equity (ytd only) | 1.4257% | 4,843 |
| Net charge-offs to loans | 0.0229% | 3,000 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 86.6645% | 768 |
| Efficiency ratio | 68.4236% | 2,797 |
| Assets per employee ($millions) | 3.7600% | 4,354 |
| Cash dividends to net income (ytd only)* | 85.1062% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 247 |
| Loan loss allowance to noncurrent loans | 450.6692% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 3,333 |
| Noncurrent loans to loans | 0.5696% | 2,990 |
| Net loans and leases to total assets | 72.1065% | 2,240 |
| Net loans and leases to deposits | 83.7505% | 2,587 |
| Net loans and leases to core deposits | 86.5790% | 2,913 |
| Total domestic deposits to total assets | 86.0968% | 2,271 |
| Equity capital to assets | 13.6042% | 1,122 |
| Core capital (leverage) ratio | 14.0743% | 880 |
| Tier 1 risk-based capital ratio | 18.5194% | 1,721 |
| Total risk-based capital ratio | 19.7840% | 1,671 |
| Memoranda: | ||
| Average total assets | $122,077,250 | 3,902 |
| Average earning assets | $117,193,500 | 3,839 |
| Average equity | $16,365,500 | 3,584 |
| Average total loans | $87,441,250 | 3,609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 1,715 |
| Cost of funding earning assets | 0.2958% | 4,126 |
| Net interest margin | 4.1390% | 1,223 |
| Noninterest income to average assets | 0.4530% | 3,334 |
| Noninterest expense to average assets | 3.0640% | 1,929 |
| Loan and lease loss provision to assets | 0.1483% | 1,369 |
| Net operating income to assets | 1.2058% | 1,576 |
| Return on assets (ROA) | 1.2091% | 1,601 |
| Pretax return on assets | 1.2091% | 2,736 |
| Return on Equity (ROE) | 9.0651% | 2,480 |
| Retained earnings to average equity (ytd only) | -3.2852% | 5,449 |
| Net charge-offs to loans | 0.0395% | 2,411 |
| Credit loss provision to net charge-offs | 529.4118% | 630 |
| Earnings coverage of net charge-offs (x) | 48.3529% | 1,100 |
| Efficiency ratio | 69.3512% | 2,795 |
| Assets per employee ($millions) | 3.9502% | 4,041 |
| Cash dividends to net income (ytd only)* | 136.2398% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5825% | 259 |
| Loan loss allowance to noncurrent loans | 423.8532% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 3,332 |
| Noncurrent loans to loans | 0.6093% | 2,899 |
| Net loans and leases to total assets | 71.1584% | 2,345 |
| Net loans and leases to deposits | 82.4802% | 2,654 |
| Net loans and leases to core deposits | 84.9719% | 2,974 |
| Total domestic deposits to total assets | 86.2733% | 2,256 |
| Equity capital to assets | 13.4727% | 1,155 |
| Core capital (leverage) ratio | 13.7506% | 925 |
| Tier 1 risk-based capital ratio | 18.3993% | 1,746 |
| Total risk-based capital ratio | 19.6645% | 1,701 |
| Memoranda: | ||
| Average total assets | $121,410,000 | 3,941 |
| Average earning assets | $116,309,000 | 3,877 |
| Average equity | $16,194,000 | 3,617 |
| Average total loans | $85,979,670 | 3,657 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 1,717 |
| Cost of funding earning assets | 0.2952% | 4,097 |
| Net interest margin | 4.0843% | 1,255 |
| Noninterest income to average assets | 0.4533% | 3,294 |
| Noninterest expense to average assets | 3.0276% | 2,087 |
| Loan and lease loss provision to assets | 0.1489% | 1,250 |
| Net operating income to assets | 1.1680% | 1,601 |
| Return on assets (ROA) | 1.1680% | 1,644 |
| Pretax return on assets | 1.1680% | 2,715 |
| Return on Equity (ROE) | 8.8019% | 2,512 |
| Retained earnings to average equity (ytd only) | -16.1327% | 5,683 |
| Net charge-offs to loans | 0.0760% | 1,577 |
| Credit loss provision to net charge-offs | 281.2500% | 821 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,344 |
| Efficiency ratio | 69.6877% | 2,942 |
| Assets per employee ($millions) | 3.9631% | 4,073 |
| Cash dividends to net income (ytd only)* | 283.2861% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6685% | 263 |
| Loan loss allowance to noncurrent loans | 354.6166% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 3,154 |
| Noncurrent loans to loans | 0.7525% | 2,605 |
| Net loans and leases to total assets | 67.2744% | 2,776 |
| Net loans and leases to deposits | 77.3681% | 3,044 |
| Net loans and leases to core deposits | 79.6834% | 3,322 |
| Total domestic deposits to total assets | 86.9537% | 2,240 |
| Equity capital to assets | 12.8729% | 1,316 |
| Core capital (leverage) ratio | 13.6298% | 933 |
| Tier 1 risk-based capital ratio | 18.5886% | 1,721 |
| Total risk-based capital ratio | 19.8536% | 1,674 |
| Memoranda: | ||
| Average total assets | $120,887,500 | 3,982 |
| Average earning assets | $115,174,000 | 3,930 |
| Average equity | $16,042,000 | 3,659 |
| Average total loans | $84,246,000 | 3,716 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 1,647 |
| Cost of funding earning assets | 0.3098% | 3,961 |
| Net interest margin | 4.1549% | 1,228 |
| Noninterest income to average assets | 0.4703% | 3,406 |
| Noninterest expense to average assets | 3.0392% | 2,219 |
| Loan and lease loss provision to assets | 0.1457% | 1,711 |
| Net operating income to assets | 1.2270% | 1,418 |
| Return on assets (ROA) | 1.3286% | 1,203 |
| Pretax return on assets | 1.3286% | 2,181 |
| Return on Equity (ROE) | 9.5263% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.6768% | 3,294 |
| Net charge-offs to loans | -0.0012% | 4,664 |
| Credit loss provision to net charge-offs | -17,500.0000% | 5,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8868% | 3,093 |
| Assets per employee ($millions) | 3.7163% | 4,448 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6766% | 259 |
| Loan loss allowance to noncurrent loans | 277.1995% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 2,677 |
| Noncurrent loans to loans | 0.9656% | 2,156 |
| Net loans and leases to total assets | 68.3981% | 2,710 |
| Net loans and leases to deposits | 79.4792% | 2,944 |
| Net loans and leases to core deposits | 81.7009% | 3,234 |
| Total domestic deposits to total assets | 86.0579% | 2,553 |
| Equity capital to assets | 13.6806% | 989 |
| Core capital (leverage) ratio | 14.3312% | 730 |
| Tier 1 risk-based capital ratio | 19.6062% | 1,450 |
| Total risk-based capital ratio | 20.8720% | 1,411 |
| Memoranda: | ||
| Average total assets | $120,129,800 | 3,993 |
| Average earning assets | $113,961,800 | 3,929 |
| Average equity | $16,753,600 | 3,583 |
| Average total loans | $82,955,800 | 3,740 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 1,484 |
| Cost of funding earning assets | 0.3110% | 3,965 |
| Net interest margin | 4.2073% | 1,106 |
| Noninterest income to average assets | 0.4716% | 3,420 |
| Noninterest expense to average assets | 3.0401% | 2,202 |
| Loan and lease loss provision to assets | 0.1439% | 1,627 |
| Net operating income to assets | 1.2721% | 1,377 |
| Return on assets (ROA) | 1.3097% | 1,350 |
| Pretax return on assets | 1.3097% | 2,391 |
| Return on Equity (ROE) | 9.3470% | 2,336 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,778 |
| Net charge-offs to loans | 0.0048% | 3,740 |
| Credit loss provision to net charge-offs | 4,333.3333% | 127 |
| Earnings coverage of net charge-offs (x) | 426.3225% | 207 |
| Efficiency ratio | 68.2236% | 3,186 |
| Assets per employee ($millions) | 3.8902% | 4,150 |
| Cash dividends to net income (ytd only)* | 62.1306% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 284 |
| Loan loss allowance to noncurrent loans | 275.7196% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 2,915 |
| Noncurrent loans to loans | 0.9501% | 2,343 |
| Net loans and leases to total assets | 67.9038% | 2,815 |
| Net loans and leases to deposits | 79.4378% | 3,030 |
| Net loans and leases to core deposits | 81.8515% | 3,293 |
| Total domestic deposits to total assets | 85.4806% | 2,612 |
| Equity capital to assets | 14.2126% | 961 |
| Core capital (leverage) ratio | 14.2221% | 789 |
| Tier 1 risk-based capital ratio | 19.3033% | 1,601 |
| Total risk-based capital ratio | 20.5685% | 1,555 |
| Memoranda: | ||
| Average total assets | $120,432,250 | 4,007 |
| Average earning assets | $114,054,000 | 3,951 |
| Average equity | $16,874,750 | 3,598 |
| Average total loans | $82,800,750 | 3,763 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,530 |
| Cost of funding earning assets | 0.3117% | 3,999 |
| Net interest margin | 4.1824% | 1,156 |
| Noninterest income to average assets | 0.4669% | 3,421 |
| Noninterest expense to average assets | 3.0537% | 2,199 |
| Loan and lease loss provision to assets | 0.1412% | 1,611 |
| Net operating income to assets | 1.2178% | 1,539 |
| Return on assets (ROA) | 1.2710% | 1,471 |
| Pretax return on assets | 1.2710% | 2,520 |
| Return on Equity (ROE) | 9.1146% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.2765% | 3,812 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2018% | 3,116 |
| Assets per employee ($millions) | 3.9944% | 3,910 |
| Cash dividends to net income (ytd only)* | 64.0523% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5884% | 325 |
| Loan loss allowance to noncurrent loans | 294.4142% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 3,182 |
| Noncurrent loans to loans | 0.8792% | 2,536 |
| Net loans and leases to total assets | 67.8681% | 2,796 |
| Net loans and leases to deposits | 79.3248% | 3,018 |
| Net loans and leases to core deposits | 82.2241% | 3,246 |
| Total domestic deposits to total assets | 85.5572% | 2,624 |
| Equity capital to assets | 14.1574% | 974 |
| Core capital (leverage) ratio | 14.0462% | 812 |
| Tier 1 risk-based capital ratio | 19.3651% | 1,602 |
| Total risk-based capital ratio | 20.6303% | 1,559 |
| Memoranda: | ||
| Average total assets | $120,377,330 | 4,035 |
| Average earning assets | $113,570,330 | 3,987 |
| Average equity | $16,786,330 | 3,617 |
| Average total loans | $82,370,000 | 3,788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4525% | 1,648 |
| Cost of funding earning assets | 0.3115% | 4,040 |
| Net interest margin | 4.1410% | 1,232 |
| Noninterest income to average assets | 0.4542% | 3,453 |
| Noninterest expense to average assets | 3.0435% | 2,262 |
| Loan and lease loss provision to assets | 0.1326% | 1,593 |
| Net operating income to assets | 1.2002% | 1,561 |
| Return on assets (ROA) | 1.2433% | 1,525 |
| Pretax return on assets | 1.2433% | 2,532 |
| Return on Equity (ROE) | 8.9836% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.1143% | 3,962 |
| Net charge-offs to loans | -0.0147% | 4,702 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5455% | 3,204 |
| Assets per employee ($millions) | 3.7760% | 4,351 |
| Cash dividends to net income (ytd only)* | 65.3333% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5972% | 355 |
| Loan loss allowance to noncurrent loans | 334.2271% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 3,502 |
| Noncurrent loans to loans | 0.7771% | 2,894 |
| Net loans and leases to total assets | 65.7668% | 2,985 |
| Net loans and leases to deposits | 76.6363% | 3,149 |
| Net loans and leases to core deposits | 79.4092% | 3,375 |
| Total domestic deposits to total assets | 85.8168% | 2,757 |
| Equity capital to assets | 14.0061% | 980 |
| Core capital (leverage) ratio | 13.9995% | 809 |
| Tier 1 risk-based capital ratio | 19.6984% | 1,570 |
| Total risk-based capital ratio | 20.9634% | 1,531 |
| Memoranda: | ||
| Average total assets | $120,650,500 | 4,057 |
| Average earning assets | $114,272,500 | 4,003 |
| Average equity | $16,697,000 | 3,629 |
| Average total loans | $81,811,000 | 3,808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,605 |
| Cost of funding earning assets | 0.3200% | 4,030 |
| Net interest margin | 4.1783% | 1,214 |
| Noninterest income to average assets | 0.5331% | 3,119 |
| Noninterest expense to average assets | 3.0971% | 2,246 |
| Loan and lease loss provision to assets | 0.1221% | 1,962 |
| Net operating income to assets | 1.2889% | 1,296 |
| Return on assets (ROA) | 1.2958% | 1,325 |
| Pretax return on assets | 1.2958% | 2,302 |
| Return on Equity (ROE) | 9.3101% | 2,317 |
| Retained earnings to average equity (ytd only) | 3.9477% | 3,224 |
| Net charge-offs to loans | -0.0198% | 5,262 |
| Credit loss provision to net charge-offs | -887.5000% | 5,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7011% | 3,449 |
| Assets per employee ($millions) | 3.8861% | 4,144 |
| Cash dividends to net income (ytd only)* | 57.5979% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5306% | 380 |
| Loan loss allowance to noncurrent loans | 149.0309% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 1,879 |
| Noncurrent loans to loans | 1.6981% | 1,334 |
| Net loans and leases to total assets | 66.3736% | 2,932 |
| Net loans and leases to deposits | 77.1217% | 3,147 |
| Net loans and leases to core deposits | 79.9103% | 3,356 |
| Total domestic deposits to total assets | 86.0635% | 2,609 |
| Equity capital to assets | 13.6717% | 1,053 |
| Core capital (leverage) ratio | 13.9903% | 821 |
| Tier 1 risk-based capital ratio | 19.5933% | 1,566 |
| Total risk-based capital ratio | 20.8579% | 1,534 |
| Memoranda: | ||
| Average total assets | $116,301,200 | 4,124 |
| Average earning assets | $110,642,200 | 4,057 |
| Average equity | $16,186,800 | 3,648 |
| Average total loans | $80,644,800 | 3,805 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 1,645 |
| Cost of funding earning assets | 0.3200% | 4,102 |
| Net interest margin | 4.1638% | 1,244 |
| Noninterest income to average assets | 0.5541% | 3,026 |
| Noninterest expense to average assets | 3.1418% | 2,109 |
| Loan and lease loss provision to assets | 0.1319% | 1,705 |
| Net operating income to assets | 1.2540% | 1,472 |
| Return on assets (ROA) | 1.2632% | 1,504 |
| Pretax return on assets | 1.2632% | 2,540 |
| Return on Equity (ROE) | 9.0343% | 2,558 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,871 |
| Net charge-offs to loans | -0.0050% | 4,828 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3919% | 3,313 |
| Assets per employee ($millions) | 3.7691% | 4,326 |
| Cash dividends to net income (ytd only)* | 59.6156% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 431 |
| Loan loss allowance to noncurrent loans | 277.2480% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,384 |
| Noncurrent loans to loans | 0.9045% | 2,713 |
| Net loans and leases to total assets | 67.7125% | 2,727 |
| Net loans and leases to deposits | 79.0504% | 2,986 |
| Net loans and leases to core deposits | 82.2283% | 3,228 |
| Total domestic deposits to total assets | 85.6574% | 2,711 |
| Equity capital to assets | 14.0567% | 1,002 |
| Core capital (leverage) ratio | 14.1484% | 825 |
| Tier 1 risk-based capital ratio | 19.7901% | 1,606 |
| Total risk-based capital ratio | 21.0550% | 1,562 |
| Memoranda: | ||
| Average total assets | $115,259,500 | 4,189 |
| Average earning assets | $109,992,500 | 4,114 |
| Average equity | $16,116,000 | 3,690 |
| Average total loans | $80,297,250 | 3,847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 1,719 |
| Cost of funding earning assets | 0.3191% | 4,169 |
| Net interest margin | 4.1194% | 1,306 |
| Noninterest income to average assets | 0.5805% | 2,852 |
| Noninterest expense to average assets | 3.2075% | 1,966 |
| Loan and lease loss provision to assets | 0.1203% | 1,837 |
| Net operating income to assets | 1.1906% | 1,627 |
| Return on assets (ROA) | 1.2045% | 1,667 |
| Pretax return on assets | 1.2045% | 2,761 |
| Return on Equity (ROE) | 8.6303% | 2,732 |
| Retained earnings to average equity (ytd only) | 3.2098% | 4,004 |
| Net charge-offs to loans | -0.0100% | 4,923 |
| Credit loss provision to net charge-offs | -1,725.0000% | 5,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9877% | 3,154 |
| Assets per employee ($millions) | 3.8117% | 4,237 |
| Cash dividends to net income (ytd only)* | 62.8075% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 494 |
| Loan loss allowance to noncurrent loans | 293.6578% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 3,634 |
| Noncurrent loans to loans | 0.8460% | 3,010 |
| Net loans and leases to total assets | 68.3451% | 2,596 |
| Net loans and leases to deposits | 79.5914% | 2,845 |
| Net loans and leases to core deposits | 82.8587% | 3,094 |
| Total domestic deposits to total assets | 85.8699% | 2,763 |
| Equity capital to assets | 13.8974% | 1,016 |
| Core capital (leverage) ratio | 13.9410% | 858 |
| Tier 1 risk-based capital ratio | 19.6732% | 1,629 |
| Total risk-based capital ratio | 20.9376% | 1,588 |
| Memoranda: | ||
| Average total assets | $114,732,330 | 4,236 |
| Average earning assets | $109,675,670 | 4,159 |
| Average equity | $16,013,330 | 3,725 |
| Average total loans | $80,012,670 | 3,881 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 1,786 |
| Cost of funding earning assets | 0.3132% | 4,297 |
| Net interest margin | 4.0819% | 1,326 |
| Noninterest income to average assets | 0.4908% | 3,343 |
| Noninterest expense to average assets | 3.1360% | 2,171 |
| Loan and lease loss provision to assets | 0.1323% | 1,560 |
| Net operating income to assets | 1.1242% | 1,779 |
| Return on assets (ROA) | 1.1521% | 1,798 |
| Pretax return on assets | 1.1521% | 2,861 |
| Return on Equity (ROE) | 8.2369% | 2,834 |
| Retained earnings to average equity (ytd only) | 2.8369% | 4,268 |
| Net charge-offs to loans | -0.0100% | 4,722 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3946% | 3,269 |
| Assets per employee ($millions) | 3.7484% | 4,424 |
| Cash dividends to net income (ytd only)* | 65.5589% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 550 |
| Loan loss allowance to noncurrent loans | 135.3144% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6756% | 1,506 |
| Noncurrent loans to loans | 1.8293% | 1,472 |
| Net loans and leases to total assets | 66.3890% | 2,710 |
| Net loans and leases to deposits | 77.3466% | 2,900 |
| Net loans and leases to core deposits | 81.0975% | 3,046 |
| Total domestic deposits to total assets | 85.8330% | 3,023 |
| Equity capital to assets | 13.9931% | 989 |
| Core capital (leverage) ratio | 13.9619% | 832 |
| Tier 1 risk-based capital ratio | 19.9126% | 1,647 |
| Total risk-based capital ratio | 21.1765% | 1,605 |
| Memoranda: | ||
| Average total assets | $114,922,500 | 4,271 |
| Average earning assets | $109,850,000 | 4,183 |
| Average equity | $16,074,000 | 3,737 |
| Average total loans | $79,946,500 | 3,892 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,767 |
| Cost of funding earning assets | 0.3476% | 4,278 |
| Net interest margin | 4.1792% | 1,359 |
| Noninterest income to average assets | 0.4972% | 3,535 |
| Noninterest expense to average assets | 3.1139% | 2,475 |
| Loan and lease loss provision to assets | 0.2347% | 1,024 |
| Net operating income to assets | 1.1205% | 1,904 |
| Return on assets (ROA) | 1.1431% | 1,868 |
| Pretax return on assets | 1.1431% | 2,910 |
| Return on Equity (ROE) | 8.5407% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.1825% | 3,969 |
| Net charge-offs to loans | 0.0025% | 4,920 |
| Credit loss provision to net charge-offs | 13,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 779.5000% | 54 |
| Efficiency ratio | 69.6752% | 3,590 |
| Assets per employee ($millions) | 3.7882% | 4,366 |
| Cash dividends to net income (ytd only)* | 62.7376% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 643 |
| Loan loss allowance to noncurrent loans | 237.3762% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 2,465 |
| Noncurrent loans to loans | 1.0001% | 2,831 |
| Net loans and leases to total assets | 69.4030% | 2,324 |
| Net loans and leases to deposits | 80.9344% | 2,608 |
| Net loans and leases to core deposits | 83.9083% | 2,909 |
| Total domestic deposits to total assets | 85.7521% | 2,964 |
| Equity capital to assets | 13.9804% | 959 |
| Core capital (leverage) ratio | 13.8099% | 863 |
| Tier 1 risk-based capital ratio | 19.2228% | 1,790 |
| Total risk-based capital ratio | 20.4855% | 1,752 |
| Memoranda: | ||
| Average total assets | $115,034,000 | 4,276 |
| Average earning assets | $109,326,800 | 4,197 |
| Average equity | $15,396,800 | 3,762 |
| Average total loans | $80,451,400 | 3,862 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 1,838 |
| Cost of funding earning assets | 0.3511% | 4,331 |
| Net interest margin | 4.1576% | 1,406 |
| Noninterest income to average assets | 0.4934% | 3,588 |
| Noninterest expense to average assets | 3.1050% | 2,457 |
| Loan and lease loss provision to assets | 0.2542% | 842 |
| Net operating income to assets | 1.0747% | 2,138 |
| Return on assets (ROA) | 1.1047% | 2,072 |
| Pretax return on assets | 1.1047% | 3,165 |
| Return on Equity (ROE) | 8.3451% | 3,013 |
| Retained earnings to average equity (ytd only) | 2.9417% | 4,499 |
| Net charge-offs to loans | 0.0033% | 4,589 |
| Credit loss provision to net charge-offs | 11,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 574.2697% | 135 |
| Efficiency ratio | 70.0287% | 3,503 |
| Assets per employee ($millions) | 3.9943% | 3,896 |
| Cash dividends to net income (ytd only)* | 64.7490% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 794 |
| Loan loss allowance to noncurrent loans | 241.0323% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 2,748 |
| Noncurrent loans to loans | 0.9703% | 3,139 |
| Net loans and leases to total assets | 67.3386% | 2,638 |
| Net loans and leases to deposits | 78.0572% | 2,946 |
| Net loans and leases to core deposits | 81.3510% | 3,167 |
| Total domestic deposits to total assets | 86.2683% | 2,720 |
| Equity capital to assets | 13.4373% | 1,213 |
| Core capital (leverage) ratio | 13.6189% | 959 |
| Tier 1 risk-based capital ratio | 18.9012% | 1,930 |
| Total risk-based capital ratio | 20.1632% | 1,896 |
| Memoranda: | ||
| Average total assets | $115,381,250 | 4,310 |
| Average earning assets | $109,354,750 | 4,235 |
| Average equity | $15,274,000 | 3,809 |
| Average total loans | $80,366,500 | 3,890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,779 |
| Cost of funding earning assets | 0.3541% | 4,391 |
| Net interest margin | 4.1633% | 1,338 |
| Noninterest income to average assets | 0.4947% | 3,514 |
| Noninterest expense to average assets | 3.1086% | 2,460 |
| Loan and lease loss provision to assets | 0.2864% | 699 |
| Net operating income to assets | 1.0379% | 2,176 |
| Return on assets (ROA) | 1.0830% | 2,063 |
| Pretax return on assets | 1.0830% | 3,170 |
| Return on Equity (ROE) | 8.2230% | 2,973 |
| Retained earnings to average equity (ytd only) | 2.7805% | 4,431 |
| Net charge-offs to loans | -0.0025% | 5,076 |
| Credit loss provision to net charge-offs | -16,500.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1253% | 3,635 |
| Assets per employee ($millions) | 3.7113% | 4,438 |
| Cash dividends to net income (ytd only)* | 66.1859% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2656% | 939 |
| Loan loss allowance to noncurrent loans | 227.5689% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 2,825 |
| Noncurrent loans to loans | 0.9956% | 3,245 |
| Net loans and leases to total assets | 68.0927% | 2,399 |
| Net loans and leases to deposits | 78.8811% | 2,679 |
| Net loans and leases to core deposits | 82.4501% | 2,919 |
| Total domestic deposits to total assets | 86.3232% | 2,861 |
| Equity capital to assets | 13.4152% | 1,191 |
| Core capital (leverage) ratio | 13.5721% | 955 |
| Tier 1 risk-based capital ratio | 18.7038% | 2,002 |
| Total risk-based capital ratio | 19.9651% | 1,962 |
| Memoranda: | ||
| Average total assets | $115,230,330 | 4,347 |
| Average earning assets | $109,001,000 | 4,267 |
| Average equity | $15,177,000 | 3,827 |
| Average total loans | $80,532,330 | 3,896 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,661 |
| Cost of funding earning assets | 0.3592% | 4,442 |
| Net interest margin | 4.1863% | 1,256 |
| Noninterest income to average assets | 0.4821% | 3,552 |
| Noninterest expense to average assets | 3.1391% | 2,407 |
| Loan and lease loss provision to assets | 0.2428% | 899 |
| Net operating income to assets | 1.0614% | 1,963 |
| Return on assets (ROA) | 1.0614% | 2,034 |
| Pretax return on assets | 1.0614% | 3,081 |
| Return on Equity (ROE) | 8.1337% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.6581% | 4,481 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6479% | 3,715 |
| Assets per employee ($millions) | 3.6504% | 4,623 |
| Cash dividends to net income (ytd only)* | 67.3203% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1485% | 1,238 |
| Loan loss allowance to noncurrent loans | 140.9836% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 2,403 |
| Noncurrent loans to loans | 1.5239% | 2,518 |
| Net loans and leases to total assets | 67.0625% | 2,384 |
| Net loans and leases to deposits | 77.2829% | 2,655 |
| Net loans and leases to core deposits | 80.4199% | 2,919 |
| Total domestic deposits to total assets | 86.7753% | 2,951 |
| Equity capital to assets | 13.0286% | 1,293 |
| Core capital (leverage) ratio | 13.5318% | 963 |
| Tier 1 risk-based capital ratio | 18.3423% | 2,166 |
| Total risk-based capital ratio | 19.6023% | 2,130 |
| Memoranda: | ||
| Average total assets | $115,321,000 | 4,382 |
| Average earning assets | $109,118,000 | 4,295 |
| Average equity | $15,048,500 | 3,855 |
| Average total loans | $80,720,500 | 3,911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,722 |
| Cost of funding earning assets | 0.3905% | 4,749 |
| Net interest margin | 4.2572% | 1,200 |
| Noninterest income to average assets | 0.5212% | 3,622 |
| Noninterest expense to average assets | 3.1726% | 2,502 |
| Loan and lease loss provision to assets | 0.2602% | 1,371 |
| Net operating income to assets | 1.0876% | 1,971 |
| Return on assets (ROA) | 1.0876% | 2,047 |
| Pretax return on assets | 1.0876% | 2,993 |
| Return on Equity (ROE) | 8.3111% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.5392% | 3,702 |
| Net charge-offs to loans | 0.0585% | 4,406 |
| Credit loss provision to net charge-offs | 652.1739% | 362 |
| Earnings coverage of net charge-offs (x) | 33.7826% | 1,077 |
| Efficiency ratio | 70.1842% | 3,810 |
| Assets per employee ($millions) | 3.5572% | 4,789 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 1,496 |
| Loan loss allowance to noncurrent loans | 184.8655% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 2,948 |
| Noncurrent loans to loans | 1.0960% | 3,342 |
| Net loans and leases to total assets | 70.0474% | 2,002 |
| Net loans and leases to deposits | 80.8450% | 2,340 |
| Net loans and leases to core deposits | 84.2135% | 2,655 |
| Total domestic deposits to total assets | 86.6441% | 2,915 |
| Equity capital to assets | 13.0704% | 1,244 |
| Core capital (leverage) ratio | 13.3934% | 993 |
| Tier 1 risk-based capital ratio | 18.2110% | 2,180 |
| Total risk-based capital ratio | 19.4700% | 2,136 |
| Memoranda: | ||
| Average total assets | $115,300,600 | 4,378 |
| Average earning assets | $108,310,800 | 4,303 |
| Average equity | $15,088,200 | 3,851 |
| Average total loans | $78,651,800 | 3,985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6009% | 1,898 |
| Cost of funding earning assets | 0.3932% | 4,877 |
| Net interest margin | 4.2076% | 1,304 |
| Noninterest income to average assets | 0.5118% | 3,722 |
| Noninterest expense to average assets | 3.2010% | 2,365 |
| Loan and lease loss provision to assets | 0.2179% | 1,670 |
| Net operating income to assets | 1.0397% | 2,224 |
| Return on assets (ROA) | 1.0397% | 2,308 |
| Pretax return on assets | 1.0397% | 3,342 |
| Return on Equity (ROE) | 7.9431% | 3,147 |
| Retained earnings to average equity (ytd only) | 1.6027% | 5,332 |
| Net charge-offs to loans | 0.0650% | 3,985 |
| Credit loss provision to net charge-offs | 497.3684% | 551 |
| Earnings coverage of net charge-offs (x) | 28.7079% | 1,273 |
| Efficiency ratio | 71.7942% | 3,442 |
| Assets per employee ($millions) | 3.7216% | 4,414 |
| Cash dividends to net income (ytd only)* | 79.8227% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 1,836 |
| Loan loss allowance to noncurrent loans | 210.9141% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 3,522 |
| Noncurrent loans to loans | 0.9279% | 3,960 |
| Net loans and leases to total assets | 67.1327% | 2,439 |
| Net loans and leases to deposits | 77.1986% | 2,798 |
| Net loans and leases to core deposits | 79.9387% | 3,140 |
| Total domestic deposits to total assets | 86.9611% | 2,713 |
| Equity capital to assets | 12.7321% | 1,459 |
| Core capital (leverage) ratio | 12.8754% | 1,254 |
| Tier 1 risk-based capital ratio | 18.0043% | 2,323 |
| Total risk-based capital ratio | 19.2613% | 2,283 |
| Memoranda: | ||
| Average total assets | $115,668,250 | 4,418 |
| Average earning assets | $108,498,250 | 4,345 |
| Average equity | $15,140,750 | 3,890 |
| Average total loans | $77,968,750 | 4,031 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,915 |
| Cost of funding earning assets | 0.3946% | 4,987 |
| Net interest margin | 4.1840% | 1,320 |
| Noninterest income to average assets | 0.5045% | 3,800 |
| Noninterest expense to average assets | 3.1580% | 2,488 |
| Loan and lease loss provision to assets | 0.2747% | 1,340 |
| Net operating income to assets | 0.9916% | 2,365 |
| Return on assets (ROA) | 0.9916% | 2,505 |
| Pretax return on assets | 0.9916% | 3,544 |
| Return on Equity (ROE) | 7.5075% | 3,345 |
| Retained earnings to average equity (ytd only) | 0.4447% | 5,717 |
| Net charge-offs to loans | 0.0799% | 3,578 |
| Credit loss provision to net charge-offs | 512.9032% | 540 |
| Earnings coverage of net charge-offs (x) | 23.6452% | 1,324 |
| Efficiency ratio | 71.3784% | 3,583 |
| Assets per employee ($millions) | 3.7246% | 4,363 |
| Cash dividends to net income (ytd only)* | 94.0767% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 1,986 |
| Loan loss allowance to noncurrent loans | 257.2635% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 3,014 |
| Noncurrent loans to loans | 0.7555% | 4,414 |
| Net loans and leases to total assets | 66.5471% | 2,496 |
| Net loans and leases to deposits | 76.6265% | 2,777 |
| Net loans and leases to core deposits | 79.3617% | 3,109 |
| Total domestic deposits to total assets | 86.8461% | 2,912 |
| Equity capital to assets | 12.8837% | 1,390 |
| Core capital (leverage) ratio | 12.7069% | 1,285 |
| Tier 1 risk-based capital ratio | 17.8306% | 2,382 |
| Total risk-based capital ratio | 19.0878% | 2,343 |
| Memoranda: | ||
| Average total assets | $115,767,670 | 4,447 |
| Average earning assets | $108,460,000 | 4,372 |
| Average equity | $15,291,330 | 3,892 |
| Average total loans | $77,626,000 | 4,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,213 |
| Cost of funding earning assets | 0.4012% | 5,089 |
| Net interest margin | 4.0858% | 1,503 |
| Noninterest income to average assets | 0.5072% | 3,725 |
| Noninterest expense to average assets | 3.0918% | 2,704 |
| Loan and lease loss provision to assets | 0.3071% | 1,113 |
| Net operating income to assets | 0.9386% | 2,477 |
| Return on assets (ROA) | 0.9386% | 2,621 |
| Pretax return on assets | 0.9386% | 3,618 |
| Return on Equity (ROE) | 7.0198% | 3,474 |
| Retained earnings to average equity (ytd only) | -2.2711% | 6,107 |
| Net charge-offs to loans | 0.1450% | 2,534 |
| Credit loss provision to net charge-offs | 317.8571% | 762 |
| Earnings coverage of net charge-offs (x) | 12.8929% | 1,562 |
| Efficiency ratio | 71.2808% | 3,753 |
| Assets per employee ($millions) | 3.7654% | 4,420 |
| Cash dividends to net income (ytd only)* | 132.3529% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,308 |
| Loan loss allowance to noncurrent loans | 242.6667% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4213% | 3,137 |
| Noncurrent loans to loans | 0.7821% | 4,555 |
| Net loans and leases to total assets | 64.4730% | 2,618 |
| Net loans and leases to deposits | 74.4937% | 2,857 |
| Net loans and leases to core deposits | 77.1347% | 3,190 |
| Total domestic deposits to total assets | 86.5482% | 3,208 |
| Equity capital to assets | 13.2256% | 1,328 |
| Core capital (leverage) ratio | 12.8493% | 1,177 |
| Tier 1 risk-based capital ratio | 17.8755% | 2,420 |
| Total risk-based capital ratio | 19.1318% | 2,378 |
| Memoranda: | ||
| Average total assets | $115,919,500 | 4,484 |
| Average earning assets | $108,669,000 | 4,406 |
| Average equity | $15,499,000 | 3,904 |
| Average total loans | $77,258,500 | 4,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 2,025 |
| Cost of funding earning assets | 0.5536% | 4,785 |
| Net interest margin | 4.2938% | 1,414 |
| Noninterest income to average assets | 0.5794% | 3,393 |
| Noninterest expense to average assets | 3.2545% | 2,464 |
| Loan and lease loss provision to assets | 0.3813% | 1,715 |
| Net operating income to assets | 0.9545% | 2,523 |
| Return on assets (ROA) | 0.9782% | 2,659 |
| Pretax return on assets | 0.9782% | 3,627 |
| Return on Equity (ROE) | 7.3739% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.7970% | 2,852 |
| Net charge-offs to loans | 0.2668% | 3,339 |
| Credit loss provision to net charge-offs | 210.1449% | 1,212 |
| Earnings coverage of net charge-offs (x) | 7.3623% | 2,627 |
| Efficiency ratio | 70.8994% | 3,639 |
| Assets per employee ($millions) | 3.5972% | 4,784 |
| Cash dividends to net income (ytd only)* | 34.9462% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 2,607 |
| Loan loss allowance to noncurrent loans | 122.2612% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 2.0372% | 2,405 |
| Noncurrent loans to loans | 1.4665% | 3,395 |
| Net loans and leases to total assets | 66.3777% | 2,472 |
| Net loans and leases to deposits | 76.9869% | 2,659 |
| Net loans and leases to core deposits | 79.7453% | 3,043 |
| Total domestic deposits to total assets | 86.2194% | 3,245 |
| Equity capital to assets | 13.5174% | 1,219 |
| Core capital (leverage) ratio | 13.0229% | 1,111 |
| Tier 1 risk-based capital ratio | 17.8232% | 2,325 |
| Total risk-based capital ratio | 19.0780% | 2,295 |
| Memoranda: | ||
| Average total assets | $114,087,400 | 4,491 |
| Average earning assets | $106,571,800 | 4,427 |
| Average equity | $15,134,400 | 3,934 |
| Average total loans | $77,595,000 | 4,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 2,063 |
| Cost of funding earning assets | 0.5844% | 4,796 |
| Net interest margin | 4.3013% | 1,453 |
| Noninterest income to average assets | 0.5446% | 3,644 |
| Noninterest expense to average assets | 3.2058% | 2,545 |
| Loan and lease loss provision to assets | 0.4158% | 1,541 |
| Net operating income to assets | 0.9405% | 2,795 |
| Return on assets (ROA) | 0.9722% | 2,872 |
| Pretax return on assets | 0.9722% | 3,814 |
| Return on Equity (ROE) | 7.3639% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.9037% | 4,140 |
| Net charge-offs to loans | 0.1977% | 3,543 |
| Credit loss provision to net charge-offs | 308.6957% | 872 |
| Earnings coverage of net charge-offs (x) | 10.0695% | 2,229 |
| Efficiency ratio | 70.2696% | 3,642 |
| Assets per employee ($millions) | 3.5100% | 4,963 |
| Cash dividends to net income (ytd only)* | 46.9882% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7829% | 2,854 |
| Loan loss allowance to noncurrent loans | 130.3985% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 2.0263% | 2,605 |
| Noncurrent loans to loans | 1.3673% | 3,738 |
| Net loans and leases to total assets | 69.0076% | 2,114 |
| Net loans and leases to deposits | 80.1875% | 2,360 |
| Net loans and leases to core deposits | 82.9863% | 2,826 |
| Total domestic deposits to total assets | 86.0578% | 3,219 |
| Equity capital to assets | 13.6413% | 1,290 |
| Core capital (leverage) ratio | 13.0449% | 1,178 |
| Tier 1 risk-based capital ratio | 17.4352% | 2,564 |
| Total risk-based capital ratio | 18.6904% | 2,531 |
| Memoranda: | ||
| Average total assets | $113,831,500 | 4,548 |
| Average earning assets | $106,323,000 | 4,481 |
| Average equity | $15,028,000 | 3,995 |
| Average total loans | $77,543,000 | 4,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 2,262 |
| Cost of funding earning assets | 0.6106% | 4,806 |
| Net interest margin | 4.2514% | 1,598 |
| Noninterest income to average assets | 0.5458% | 3,608 |
| Noninterest expense to average assets | 3.1416% | 2,773 |
| Loan and lease loss provision to assets | 0.4723% | 1,351 |
| Net operating income to assets | 0.9026% | 2,897 |
| Return on assets (ROA) | 0.9498% | 2,919 |
| Pretax return on assets | 0.9498% | 3,883 |
| Return on Equity (ROE) | 7.2739% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.6618% | 3,508 |
| Net charge-offs to loans | 0.1090% | 4,094 |
| Credit loss provision to net charge-offs | 642.8571% | 496 |
| Earnings coverage of net charge-offs (x) | 18.7143% | 1,471 |
| Efficiency ratio | 69.5585% | 3,837 |
| Assets per employee ($millions) | 3.5592% | 4,847 |
| Cash dividends to net income (ytd only)* | 35.9116% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,819 |
| Loan loss allowance to noncurrent loans | 124.1103% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2310% | 2,509 |
| Noncurrent loans to loans | 1.4584% | 3,723 |
| Net loans and leases to total assets | 66.4451% | 2,580 |
| Net loans and leases to deposits | 76.9106% | 2,848 |
| Net loans and leases to core deposits | 79.5428% | 3,280 |
| Total domestic deposits to total assets | 86.3926% | 3,145 |
| Equity capital to assets | 13.2825% | 1,401 |
| Core capital (leverage) ratio | 12.7206% | 1,247 |
| Tier 1 risk-based capital ratio | 17.4781% | 2,478 |
| Total risk-based capital ratio | 18.7334% | 2,442 |
| Memoranda: | ||
| Average total assets | $114,335,000 | 4,556 |
| Average earning assets | $106,788,330 | 4,488 |
| Average equity | $14,930,000 | 4,007 |
| Average total loans | $77,085,000 | 4,181 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 2,270 |
| Cost of funding earning assets | 0.6337% | 4,860 |
| Net interest margin | 4.2594% | 1,594 |
| Noninterest income to average assets | 0.5482% | 3,576 |
| Noninterest expense to average assets | 3.1216% | 2,844 |
| Loan and lease loss provision to assets | 0.4190% | 1,505 |
| Net operating income to assets | 0.9742% | 2,580 |
| Return on assets (ROA) | 0.9742% | 2,783 |
| Pretax return on assets | 0.9742% | 3,775 |
| Return on Equity (ROE) | 7.5248% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.8817% | 3,623 |
| Net charge-offs to loans | 0.0156% | 4,467 |
| Credit loss provision to net charge-offs | 4,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 266 |
| Efficiency ratio | 69.1415% | 3,955 |
| Assets per employee ($millions) | 3.6139% | 4,848 |
| Cash dividends to net income (ytd only)* | 35.1254% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 3,327 |
| Loan loss allowance to noncurrent loans | 129.6970% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 2.7195% | 2,169 |
| Noncurrent loans to loans | 1.3152% | 4,144 |
| Net loans and leases to total assets | 63.9815% | 2,853 |
| Net loans and leases to deposits | 73.6950% | 3,159 |
| Net loans and leases to core deposits | 76.3678% | 3,576 |
| Total domestic deposits to total assets | 86.8193% | 3,057 |
| Equity capital to assets | 12.9135% | 1,475 |
| Core capital (leverage) ratio | 12.6239% | 1,277 |
| Tier 1 risk-based capital ratio | 17.2607% | 2,573 |
| Total risk-based capital ratio | 18.5148% | 2,544 |
| Memoranda: | ||
| Average total assets | $114,555,500 | 4,580 |
| Average earning assets | $106,682,000 | 4,523 |
| Average equity | $14,831,000 | 4,030 |
| Average total loans | $77,091,500 | 4,212 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 2,686 |
| Cost of funding earning assets | 0.8829% | 4,233 |
| Net interest margin | 4.1605% | 2,193 |
| Noninterest income to average assets | 0.5265% | 3,671 |
| Noninterest expense to average assets | 3.0384% | 3,444 |
| Loan and lease loss provision to assets | 0.8902% | 1,082 |
| Net operating income to assets | 0.4987% | 4,431 |
| Return on assets (ROA) | 0.4987% | 4,645 |
| Pretax return on assets | 0.4987% | 4,997 |
| Return on Equity (ROE) | 3.9139% | 4,894 |
| Retained earnings to average equity (ytd only) | -2.6159% | 6,230 |
| Net charge-offs to loans | 1.0873% | 1,586 |
| Credit loss provision to net charge-offs | 118.2735% | 2,713 |
| Earnings coverage of net charge-offs (x) | 1.8453% | 4,389 |
| Efficiency ratio | 68.6297% | 4,224 |
| Assets per employee ($millions) | 3.7822% | 4,360 |
| Cash dividends to net income (ytd only)* | 166.8359% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 4,117 |
| Loan loss allowance to noncurrent loans | 99.6584% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 2.8414% | 2,127 |
| Noncurrent loans to loans | 1.4840% | 3,923 |
| Net loans and leases to total assets | 68.5145% | 2,305 |
| Net loans and leases to deposits | 79.1102% | 2,667 |
| Net loans and leases to core deposits | 81.7395% | 3,220 |
| Total domestic deposits to total assets | 86.6064% | 2,974 |
| Equity capital to assets | 12.9802% | 1,493 |
| Core capital (leverage) ratio | 12.2234% | 1,479 |
| Tier 1 risk-based capital ratio | 16.5302% | 2,809 |
| Total risk-based capital ratio | 17.7816% | 2,773 |
| Memoranda: | ||
| Average total assets | $118,515,000 | 4,445 |
| Average earning assets | $111,116,200 | 4,370 |
| Average equity | $15,100,200 | 3,887 |
| Average total loans | $82,036,600 | 4,082 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 2,928 |
| Cost of funding earning assets | 0.9407% | 4,104 |
| Net interest margin | 4.0915% | 2,509 |
| Noninterest income to average assets | 0.5176% | 3,744 |
| Noninterest expense to average assets | 3.0322% | 3,430 |
| Loan and lease loss provision to assets | 0.6623% | 1,463 |
| Net operating income to assets | 0.6623% | 3,809 |
| Return on assets (ROA) | 0.6623% | 3,986 |
| Pretax return on assets | 0.6623% | 4,603 |
| Return on Equity (ROE) | 5.2215% | 4,439 |
| Retained earnings to average equity (ytd only) | -1.2725% | 6,196 |
| Net charge-offs to loans | 0.8887% | 1,795 |
| Credit loss provision to net charge-offs | 107.7899% | 3,067 |
| Earnings coverage of net charge-offs (x) | 2.1558% | 4,054 |
| Efficiency ratio | 69.5963% | 4,020 |
| Assets per employee ($millions) | 3.9706% | 3,918 |
| Cash dividends to net income (ytd only)* | 124.3700% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,149 |
| Loan loss allowance to noncurrent loans | 187.6344% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 2.5504% | 2,522 |
| Noncurrent loans to loans | 0.6768% | 5,530 |
| Net loans and leases to total assets | 68.3333% | 2,419 |
| Net loans and leases to deposits | 78.6773% | 2,862 |
| Net loans and leases to core deposits | 81.2818% | 3,443 |
| Total domestic deposits to total assets | 86.8526% | 2,744 |
| Equity capital to assets | 12.7133% | 1,780 |
| Core capital (leverage) ratio | 12.1479% | 1,625 |
| Tier 1 risk-based capital ratio | 16.0095% | 3,115 |
| Total risk-based capital ratio | 17.1715% | 3,111 |
| Memoranda: | ||
| Average total assets | $119,777,500 | 4,433 |
| Average earning assets | $112,393,000 | 4,349 |
| Average equity | $15,193,250 | 3,880 |
| Average total loans | $82,819,000 | 4,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,368 |
| Cost of funding earning assets | 1.0144% | 3,851 |
| Net interest margin | 4.1588% | 2,190 |
| Noninterest income to average assets | 0.5050% | 3,825 |
| Noninterest expense to average assets | 2.9767% | 3,729 |
| Loan and lease loss provision to assets | 0.2000% | 3,924 |
| Net operating income to assets | 1.2300% | 1,495 |
| Return on assets (ROA) | 1.2300% | 1,569 |
| Pretax return on assets | 1.2300% | 2,374 |
| Return on Equity (ROE) | 9.7044% | 2,232 |
| Retained earnings to average equity (ytd only) | 3.2216% | 4,217 |
| Net charge-offs to loans | 0.2001% | 3,948 |
| Credit loss provision to net charge-offs | 144.5783% | 2,118 |
| Earnings coverage of net charge-offs (x) | 10.3373% | 1,822 |
| Efficiency ratio | 67.5492% | 4,598 |
| Assets per employee ($millions) | 3.6365% | 4,597 |
| Cash dividends to net income (ytd only)* | 66.8022% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 5,312 |
| Loan loss allowance to noncurrent loans | 98.0226% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.3241% | 2,831 |
| Noncurrent loans to loans | 1.2749% | 4,537 |
| Net loans and leases to total assets | 68.5471% | 2,508 |
| Net loans and leases to deposits | 79.9510% | 2,810 |
| Net loans and leases to core deposits | 82.6136% | 3,412 |
| Total domestic deposits to total assets | 85.7364% | 3,477 |
| Equity capital to assets | 12.9228% | 1,560 |
| Core capital (leverage) ratio | 12.2682% | 1,473 |
| Tier 1 risk-based capital ratio | 16.2960% | 2,833 |
| Total risk-based capital ratio | 17.4411% | 2,858 |
| Memoranda: | ||
| Average total assets | $119,997,000 | 4,454 |
| Average earning assets | $112,581,670 | 4,368 |
| Average equity | $15,209,670 | 3,873 |
| Average total loans | $82,943,670 | 4,128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,388 |
| Cost of funding earning assets | 1.0830% | 3,640 |
| Net interest margin | 4.0764% | 2,357 |
| Noninterest income to average assets | 0.5167% | 3,753 |
| Noninterest expense to average assets | 2.9302% | 3,944 |
| Loan and lease loss provision to assets | 0.2000% | 3,636 |
| Net operating income to assets | 1.2134% | 1,491 |
| Return on assets (ROA) | 1.2134% | 1,546 |
| Pretax return on assets | 1.2134% | 2,325 |
| Return on Equity (ROE) | 9.6677% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.1075% | 4,304 |
| Net charge-offs to loans | 0.0193% | 4,810 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 303 |
| Efficiency ratio | 67.4597% | 4,762 |
| Assets per employee ($millions) | 3.6503% | 4,653 |
| Cash dividends to net income (ytd only)* | 67.8571% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 5,191 |
| Loan loss allowance to noncurrent loans | 84.1270% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 2.2406% | 3,012 |
| Noncurrent loans to loans | 1.5307% | 4,177 |
| Net loans and leases to total assets | 67.4537% | 2,668 |
| Net loans and leases to deposits | 77.5746% | 3,141 |
| Net loans and leases to core deposits | 80.3111% | 3,702 |
| Total domestic deposits to total assets | 86.9532% | 2,966 |
| Equity capital to assets | 12.5869% | 1,577 |
| Core capital (leverage) ratio | 12.2268% | 1,445 |
| Tier 1 risk-based capital ratio | 16.1754% | 2,822 |
| Total risk-based capital ratio | 17.3429% | 2,835 |
| Memoranda: | ||
| Average total assets | $119,993,000 | 4,482 |
| Average earning assets | $112,648,500 | 4,391 |
| Average equity | $15,060,500 | 3,892 |
| Average total loans | $82,765,000 | 4,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 2,057 |
| Cost of funding earning assets | 1.4498% | 2,955 |
| Net interest margin | 4.1076% | 2,529 |
| Noninterest income to average assets | 0.5179% | 4,040 |
| Noninterest expense to average assets | 2.9485% | 4,041 |
| Loan and lease loss provision to assets | 0.1724% | 5,496 |
| Net operating income to assets | 1.2265% | 1,354 |
| Return on assets (ROA) | 1.2281% | 1,423 |
| Pretax return on assets | 1.2281% | 2,148 |
| Return on Equity (ROE) | 10.0265% | 1,920 |
| Retained earnings to average equity (ytd only) | 3.2610% | 3,585 |
| Net charge-offs to loans | 0.5990% | 3,234 |
| Credit loss provision to net charge-offs | 41.1067% | 6,368 |
| Earnings coverage of net charge-offs (x) | 3.3360% | 3,409 |
| Efficiency ratio | 67.8231% | 4,597 |
| Assets per employee ($millions) | 3.5155% | 4,900 |
| Cash dividends to net income (ytd only)* | 67.4764% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 5,478 |
| Loan loss allowance to noncurrent loans | 50.8097% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.2873% | 2,981 |
| Noncurrent loans to loans | 2.3745% | 3,146 |
| Net loans and leases to total assets | 68.7811% | 2,791 |
| Net loans and leases to deposits | 79.1848% | 3,308 |
| Net loans and leases to core deposits | 82.5919% | 3,807 |
| Total domestic deposits to total assets | 86.8615% | 2,903 |
| Equity capital to assets | 12.5152% | 1,623 |
| Core capital (leverage) ratio | 11.9863% | 1,557 |
| Tier 1 risk-based capital ratio | 15.8804% | 2,806 |
| Total risk-based capital ratio | 16.9748% | 2,844 |
| Memoranda: | ||
| Average total assets | $120,669,800 | 4,469 |
| Average earning assets | $112,500,000 | 4,410 |
| Average equity | $14,780,800 | 3,976 |
| Average total loans | $84,470,000 | 4,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 2,087 |
| Cost of funding earning assets | 1.4994% | 2,987 |
| Net interest margin | 4.0942% | 2,649 |
| Noninterest income to average assets | 0.5247% | 3,990 |
| Noninterest expense to average assets | 2.9233% | 4,002 |
| Loan and lease loss provision to assets | 0.1764% | 5,274 |
| Net operating income to assets | 1.2357% | 1,497 |
| Return on assets (ROA) | 1.2379% | 1,574 |
| Pretax return on assets | 1.2379% | 2,369 |
| Return on Equity (ROE) | 10.1607% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.3748% | 4,075 |
| Net charge-offs to loans | 0.0236% | 6,348 |
| Credit loss provision to net charge-offs | 1,066.6667% | 278 |
| Earnings coverage of net charge-offs (x) | 85.3980% | 361 |
| Efficiency ratio | 67.4294% | 4,576 |
| Assets per employee ($millions) | 3.8451% | 4,156 |
| Cash dividends to net income (ytd only)* | 66.7855% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,220 |
| Loan loss allowance to noncurrent loans | 98.1017% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.3158% | 4,513 |
| Noncurrent loans to loans | 1.7122% | 4,074 |
| Net loans and leases to total assets | 68.8367% | 3,023 |
| Net loans and leases to deposits | 79.1348% | 3,611 |
| Net loans and leases to core deposits | 82.7323% | 4,123 |
| Total domestic deposits to total assets | 86.9866% | 2,540 |
| Equity capital to assets | 12.3592% | 1,935 |
| Core capital (leverage) ratio | 11.7429% | 1,797 |
| Tier 1 risk-based capital ratio | 15.1682% | 3,171 |
| Total risk-based capital ratio | 16.4217% | 3,143 |
| Memoranda: | ||
| Average total assets | $120,955,500 | 4,525 |
| Average earning assets | $112,579,000 | 4,472 |
| Average equity | $14,736,250 | 4,049 |
| Average total loans | $84,783,500 | 4,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5995% | 2,140 |
| Cost of funding earning assets | 1.5235% | 3,110 |
| Net interest margin | 4.0759% | 2,677 |
| Noninterest income to average assets | 0.5322% | 3,855 |
| Noninterest expense to average assets | 2.9453% | 3,912 |
| Loan and lease loss provision to assets | 0.1663% | 5,220 |
| Net operating income to assets | 1.2024% | 1,552 |
| Return on assets (ROA) | 1.2057% | 1,616 |
| Pretax return on assets | 1.2057% | 2,396 |
| Return on Equity (ROE) | 9.9456% | 2,129 |
| Retained earnings to average equity (ytd only) | 3.0866% | 4,142 |
| Net charge-offs to loans | 0.0403% | 5,808 |
| Credit loss provision to net charge-offs | 588.2353% | 637 |
| Earnings coverage of net charge-offs (x) | 48.4118% | 615 |
| Efficiency ratio | 68.2729% | 4,528 |
| Assets per employee ($millions) | 3.5572% | 4,787 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 3,286 |
| Loan loss allowance to noncurrent loans | 104.0571% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 4,698 |
| Noncurrent loans to loans | 1.5760% | 4,345 |
| Net loans and leases to total assets | 68.6819% | 3,200 |
| Net loans and leases to deposits | 78.9725% | 3,802 |
| Net loans and leases to core deposits | 82.4145% | 4,354 |
| Total domestic deposits to total assets | 86.9694% | 2,543 |
| Equity capital to assets | 12.3195% | 1,918 |
| Core capital (leverage) ratio | 11.6930% | 1,809 |
| Tier 1 risk-based capital ratio | 15.2712% | 3,026 |
| Total risk-based capital ratio | 16.5239% | 2,982 |
| Memoranda: | ||
| Average total assets | $120,260,000 | 4,561 |
| Average earning assets | $111,582,000 | 4,521 |
| Average equity | $14,579,330 | 4,074 |
| Average total loans | $84,329,670 | 4,313 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 2,017 |
| Cost of funding earning assets | 1.5402% | 3,327 |
| Net interest margin | 4.0928% | 2,472 |
| Noninterest income to average assets | 0.5470% | 3,673 |
| Noninterest expense to average assets | 2.9687% | 3,786 |
| Loan and lease loss provision to assets | 0.1334% | 5,231 |
| Net operating income to assets | 1.1942% | 1,555 |
| Return on assets (ROA) | 1.1942% | 1,629 |
| Pretax return on assets | 1.1942% | 2,380 |
| Return on Equity (ROE) | 9.9313% | 2,127 |
| Retained earnings to average equity (ytd only) | 2.9960% | 4,332 |
| Net charge-offs to loans | 0.0285% | 5,170 |
| Credit loss provision to net charge-offs | 666.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 458 |
| Efficiency ratio | 69.0994% | 4,488 |
| Assets per employee ($millions) | 3.6751% | 4,637 |
| Cash dividends to net income (ytd only)* | 69.8324% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,445 |
| Loan loss allowance to noncurrent loans | 108.5297% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 4,811 |
| Noncurrent loans to loans | 1.4742% | 4,529 |
| Net loans and leases to total assets | 67.7493% | 3,447 |
| Net loans and leases to deposits | 77.5229% | 4,127 |
| Net loans and leases to core deposits | 80.8790% | 4,644 |
| Total domestic deposits to total assets | 87.3926% | 2,417 |
| Equity capital to assets | 12.0393% | 2,021 |
| Core capital (leverage) ratio | 11.9064% | 1,690 |
| Tier 1 risk-based capital ratio | 15.2266% | 2,993 |
| Total risk-based capital ratio | 16.4784% | 2,954 |
| Memoranda: | ||
| Average total assets | $119,917,000 | 4,628 |
| Average earning assets | $109,852,500 | 4,617 |
| Average equity | $14,419,000 | 4,144 |
| Average total loans | $84,268,000 | 4,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1285% | 1,442 |
| Cost of funding earning assets | 1.8342% | 3,814 |
| Net interest margin | 4.2944% | 1,735 |
| Noninterest income to average assets | 0.5431% | 4,087 |
| Noninterest expense to average assets | 3.1253% | 3,633 |
| Loan and lease loss provision to assets | 0.0460% | 7,105 |
| Net operating income to assets | 1.3723% | 894 |
| Return on assets (ROA) | 1.3865% | 929 |
| Pretax return on assets | 1.3865% | 1,467 |
| Return on Equity (ROE) | 12.0535% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.7792% | 1,931 |
| Net charge-offs to loans | 0.1084% | 6,070 |
| Credit loss provision to net charge-offs | 60.4396% | 6,633 |
| Earnings coverage of net charge-offs (x) | 18.6264% | 1,116 |
| Efficiency ratio | 68.7845% | 4,864 |
| Assets per employee ($millions) | 3.4869% | 5,032 |
| Cash dividends to net income (ytd only)* | 60.3500% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,566 |
| Loan loss allowance to noncurrent loans | 169.0909% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 5,534 |
| Noncurrent loans to loans | 0.9055% | 5,495 |
| Net loans and leases to total assets | 70.6274% | 3,099 |
| Net loans and leases to deposits | 80.9085% | 3,819 |
| Net loans and leases to core deposits | 106.9578% | 3,221 |
| Total domestic deposits to total assets | 87.2929% | 2,332 |
| Equity capital to assets | 12.0087% | 2,038 |
| Core capital (leverage) ratio | 11.7577% | 1,778 |
| Tier 1 risk-based capital ratio | 14.9717% | 2,956 |
| Total risk-based capital ratio | 16.2237% | 2,904 |
| Memoranda: | ||
| Average total assets | $119,509,000 | 4,581 |
| Average earning assets | $111,331,800 | 4,525 |
| Average equity | $13,747,000 | 4,326 |
| Average total loans | $83,974,000 | 4,386 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1504% | 1,492 |
| Cost of funding earning assets | 1.9049% | 3,858 |
| Net interest margin | 4.2454% | 1,885 |
| Noninterest income to average assets | 0.5400% | 4,158 |
| Noninterest expense to average assets | 3.0475% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4430% | 935 |
| Return on assets (ROA) | 1.4619% | 948 |
| Pretax return on assets | 1.4619% | 1,513 |
| Return on Equity (ROE) | 12.8491% | 1,138 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,198 |
| Net charge-offs to loans | 0.0430% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 47.9989% | 661 |
| Efficiency ratio | 67.8651% | 5,007 |
| Assets per employee ($millions) | 3.3152% | 5,355 |
| Cash dividends to net income (ytd only)* | 57.1215% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,212 |
| Loan loss allowance to noncurrent loans | 309.9291% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 6,068 |
| Noncurrent loans to loans | 0.4990% | 6,311 |
| Net loans and leases to total assets | 69.9370% | 3,531 |
| Net loans and leases to deposits | 80.0796% | 4,371 |
| Net loans and leases to core deposits | 107.1353% | 3,578 |
| Total domestic deposits to total assets | 87.3343% | 1,992 |
| Equity capital to assets | 11.9158% | 2,283 |
| Core capital (leverage) ratio | 11.6678% | 1,983 |
| Tier 1 risk-based capital ratio | 14.9619% | 3,056 |
| Total risk-based capital ratio | 16.2140% | 2,995 |
| Memoranda: | ||
| Average total assets | $119,747,250 | 4,602 |
| Average earning assets | $111,426,500 | 4,546 |
| Average equity | $13,624,500 | 4,385 |
| Average total loans | $83,708,750 | 4,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1616% | 1,594 |
| Cost of funding earning assets | 1.9530% | 3,988 |
| Net interest margin | 4.2086% | 1,964 |
| Noninterest income to average assets | 0.5422% | 4,095 |
| Noninterest expense to average assets | 3.0080% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4564% | 923 |
| Return on assets (ROA) | 1.4748% | 950 |
| Pretax return on assets | 1.4748% | 1,515 |
| Return on Equity (ROE) | 13.1688% | 1,147 |
| Retained earnings to average equity (ytd only) | 5.7204% | 2,148 |
| Net charge-offs to loans | 0.0432% | 5,860 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 697 |
| Efficiency ratio | 67.3767% | 5,277 |
| Assets per employee ($millions) | 3.3757% | 5,121 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 2,786 |
| Loan loss allowance to noncurrent loans | 201.5267% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,480 |
| Noncurrent loans to loans | 0.7889% | 5,657 |
| Net loans and leases to total assets | 69.1564% | 3,911 |
| Net loans and leases to deposits | 78.7686% | 4,737 |
| Net loans and leases to core deposits | 103.9000% | 4,075 |
| Total domestic deposits to total assets | 87.7970% | 1,869 |
| Equity capital to assets | 11.2686% | 2,699 |
| Core capital (leverage) ratio | 11.4033% | 2,131 |
| Tier 1 risk-based capital ratio | 15.0077% | 3,016 |
| Total risk-based capital ratio | 16.2603% | 2,953 |
| Memoranda: | ||
| Average total assets | $119,881,000 | 4,637 |
| Average earning assets | $111,724,000 | 4,580 |
| Average equity | $13,425,670 | 4,438 |
| Average total loans | $83,352,330 | 4,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 2,034 |
| Cost of funding earning assets | 1.9913% | 4,177 |
| Net interest margin | 4.0860% | 2,329 |
| Noninterest income to average assets | 0.5499% | 3,920 |
| Noninterest expense to average assets | 2.8953% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4543% | 1,030 |
| Return on assets (ROA) | 1.4874% | 1,035 |
| Pretax return on assets | 1.4874% | 1,705 |
| Return on Equity (ROE) | 13.3220% | 1,310 |
| Retained earnings to average equity (ytd only) | 5.9044% | 2,674 |
| Net charge-offs to loans | 0.0335% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 62.7143% | 628 |
| Efficiency ratio | 66.5651% | 5,219 |
| Assets per employee ($millions) | 3.5039% | 4,815 |
| Cash dividends to net income (ytd only)* | 55.6793% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 2,576 |
| Loan loss allowance to noncurrent loans | 244.2202% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,458 |
| Noncurrent loans to loans | 0.6495% | 5,784 |
| Net loans and leases to total assets | 67.3364% | 4,284 |
| Net loans and leases to deposits | 76.3777% | 5,166 |
| Net loans and leases to core deposits | 102.3627% | 4,303 |
| Total domestic deposits to total assets | 88.1624% | 1,674 |
| Equity capital to assets | 11.0980% | 2,889 |
| Core capital (leverage) ratio | 11.3107% | 2,270 |
| Tier 1 risk-based capital ratio | 14.4754% | 3,325 |
| Total risk-based capital ratio | 15.7276% | 3,244 |
| Memoranda: | ||
| Average total assets | $120,746,000 | 4,630 |
| Average earning assets | $112,286,500 | 4,578 |
| Average equity | $13,481,500 | 4,454 |
| Average total loans | $83,514,000 | 4,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8140% | 1,632 |
| Cost of funding earning assets | 2.6929% | 3,189 |
| Net interest margin | 4.1211% | 2,622 |
| Noninterest income to average assets | 0.5240% | 4,432 |
| Noninterest expense to average assets | 2.8102% | 4,777 |
| Loan and lease loss provision to assets | 0.0245% | 7,094 |
| Net operating income to assets | 1.5565% | 914 |
| Return on assets (ROA) | 1.2839% | 1,479 |
| Pretax return on assets | 1.2839% | 2,367 |
| Return on Equity (ROE) | 12.1170% | 1,561 |
| Retained earnings to average equity (ytd only) | 2.8733% | 3,389 |
| Net charge-offs to loans | 0.2069% | 4,136 |
| Credit loss provision to net charge-offs | 17.3410% | 6,593 |
| Earnings coverage of net charge-offs (x) | 11.1965% | 2,400 |
| Efficiency ratio | 63.9963% | 5,560 |
| Assets per employee ($millions) | 3.3016% | 5,205 |
| Cash dividends to net income (ytd only)* | 76.2873% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 2,203 |
| Loan loss allowance to noncurrent loans | 343.9589% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 5,505 |
| Noncurrent loans to loans | 0.4680% | 5,943 |
| Net loans and leases to total assets | 68.8062% | 4,300 |
| Net loans and leases to deposits | 78.2683% | 5,299 |
| Net loans and leases to core deposits | 103.1442% | 4,491 |
| Total domestic deposits to total assets | 87.9107% | 1,507 |
| Equity capital to assets | 11.2345% | 2,855 |
| Core capital (leverage) ratio | 11.2224% | 2,414 |
| Tier 1 risk-based capital ratio | 14.3918% | 3,346 |
| Total risk-based capital ratio | 15.6445% | 3,262 |
| Memoranda: | ||
| Average total assets | $122,517,000 | 4,459 |
| Average earning assets | $114,969,600 | 4,387 |
| Average equity | $12,981,800 | 4,584 |
| Average total loans | $83,617,800 | 4,409 |