Home > First Farmers State Bank > Performance and Condition Ratios
First Farmers State Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5499% | 2,787 |
| Cost of funding earning assets | 0.2737% | 3,235 |
| Net interest margin | 3.2762% | 2,462 |
| Noninterest income to average assets | 0.5884% | 2,254 |
| Noninterest expense to average assets | 2.7680% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9276% | 3,054 |
| Return on assets (ROA) | 0.9276% | 3,128 |
| Pretax return on assets | 0.9367% | 3,520 |
| Return on Equity (ROE) | 10.6169% | 2,491 |
| Retained earnings to average equity (ytd only) | -212.6311% | 4,977 |
| Net charge-offs to loans | -0.0088% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7155% | 1,246 |
| Assets per employee ($millions) | 7.1340% | 1,705 |
| Cash dividends to net income (ytd only)* | 2,102.7668% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 4,508 |
| Loan loss allowance to noncurrent loans | 111.6359% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 2,277 |
| Noncurrent loans to loans | 0.6590% | 1,923 |
| Net loans and leases to total assets | 57.2685% | 2,877 |
| Net loans and leases to deposits | 66.7148% | 2,838 |
| Net loans and leases to core deposits | 70.7436% | 2,807 |
| Total domestic deposits to total assets | 85.8407% | 2,793 |
| Equity capital to assets | 6.0196% | 4,938 |
| Core capital (leverage) ratio | 6.0261% | 4,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0508% | 2,274 |
| Memoranda: | ||
| Average total assets | $218,207,000 | 2,944 |
| Average earning assets | $207,555,000 | 2,911 |
| Average equity | $19,064,000 | 3,323 |
| Average total loans | $136,636,500 | 2,820 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 2,585 |
| Cost of funding earning assets | 0.5441% | 2,643 |
| Net interest margin | 3.5054% | 2,459 |
| Noninterest income to average assets | 0.8991% | 1,272 |
| Noninterest expense to average assets | 2.2968% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.8918% | 326 |
| Return on assets (ROA) | 1.8540% | 371 |
| Pretax return on assets | 1.8695% | 587 |
| Return on Equity (ROE) | 15.4908% | 565 |
| Retained earnings to average equity (ytd only) | 8.6995% | 852 |
| Net charge-offs to loans | -0.0036% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6270% | 4,142 |
| Assets per employee ($millions) | 6.5039% | 1,916 |
| Cash dividends to net income (ytd only)* | 43.8406% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,612 |
| Loan loss allowance to noncurrent loans | 222.0690% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,244 |
| Noncurrent loans to loans | 0.3073% | 3,104 |
| Net loans and leases to total assets | 67.5557% | 1,881 |
| Net loans and leases to deposits | 82.4780% | 1,603 |
| Net loans and leases to core deposits | 88.2989% | 1,661 |
| Total domestic deposits to total assets | 81.9076% | 3,683 |
| Equity capital to assets | 11.7169% | 1,724 |
| Core capital (leverage) ratio | 11.6920% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4747% | 629 |
| Memoranda: | ||
| Average total assets | $193,530,000 | 2,997 |
| Average earning assets | $182,490,600 | 2,976 |
| Average equity | $23,162,200 | 2,928 |
| Average total loans | $137,504,200 | 2,776 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 2,631 |
| Cost of funding earning assets | 0.6003% | 2,615 |
| Net interest margin | 3.5176% | 2,533 |
| Noninterest income to average assets | 0.8742% | 1,297 |
| Noninterest expense to average assets | 2.3530% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8179% | 433 |
| Return on assets (ROA) | 1.8179% | 483 |
| Pretax return on assets | 1.8334% | 737 |
| Return on Equity (ROE) | 15.1027% | 675 |
| Retained earnings to average equity (ytd only) | 9.0476% | 965 |
| Net charge-offs to loans | -0.0029% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2060% | 3,895 |
| Assets per employee ($millions) | 6.1506% | 2,139 |
| Cash dividends to net income (ytd only)* | 40.0927% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.0146% | 1,815 |
| Net loans and leases to deposits | 86.3136% | 1,662 |
| Net loans and leases to core deposits | 92.7202% | 1,737 |
| Total domestic deposits to total assets | 82.2752% | 3,348 |
| Equity capital to assets | 12.1619% | 1,594 |
| Core capital (leverage) ratio | 11.9567% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6475% | 611 |
| Memoranda: | ||
| Average total assets | $189,881,000 | 3,012 |
| Average earning assets | $178,790,500 | 2,993 |
| Average equity | $22,856,250 | 2,948 |
| Average total loans | $136,488,500 | 2,789 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,951 |
| Cost of funding earning assets | 0.6697% | 2,561 |
| Net interest margin | 3.4664% | 2,897 |
| Noninterest income to average assets | 0.7443% | 1,595 |
| Noninterest expense to average assets | 2.3213% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6709% | 650 |
| Return on assets (ROA) | 1.6709% | 709 |
| Pretax return on assets | 1.6847% | 1,034 |
| Return on Equity (ROE) | 13.9314% | 903 |
| Retained earnings to average equity (ytd only) | 9.0416% | 995 |
| Net charge-offs to loans | -0.0059% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9452% | 3,693 |
| Assets per employee ($millions) | 6.1131% | 2,078 |
| Cash dividends to net income (ytd only)* | 35.0989% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,558 |
| Loan loss allowance to noncurrent loans | 308.3067% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,722 |
| Noncurrent loans to loans | 0.2278% | 3,559 |
| Net loans and leases to total assets | 69.7356% | 2,071 |
| Net loans and leases to deposits | 85.3886% | 1,838 |
| Net loans and leases to core deposits | 92.1724% | 1,889 |
| Total domestic deposits to total assets | 81.6684% | 3,455 |
| Equity capital to assets | 11.9303% | 1,706 |
| Core capital (leverage) ratio | 11.9041% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0243% | 580 |
| Memoranda: | ||
| Average total assets | $187,568,000 | 3,016 |
| Average earning assets | $176,493,000 | 2,995 |
| Average equity | $22,496,000 | 2,963 |
| Average total loans | $135,073,000 | 2,803 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,361 |
| Cost of funding earning assets | 0.7704% | 2,543 |
| Net interest margin | 3.3856% | 3,340 |
| Noninterest income to average assets | 0.3966% | 3,127 |
| Noninterest expense to average assets | 2.1989% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3643% | 1,071 |
| Return on assets (ROA) | 1.3643% | 1,152 |
| Pretax return on assets | 1.3773% | 1,630 |
| Return on Equity (ROE) | 11.3431% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.0849% | 1,507 |
| Net charge-offs to loans | -0.0060% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4869% | 3,558 |
| Assets per employee ($millions) | 5.8227% | 1,818 |
| Cash dividends to net income (ytd only)* | 37.5399% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,577 |
| Loan loss allowance to noncurrent loans | 99.7927% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,440 |
| Noncurrent loans to loans | 0.7208% | 2,195 |
| Net loans and leases to total assets | 71.3380% | 2,029 |
| Net loans and leases to deposits | 86.4196% | 1,943 |
| Net loans and leases to core deposits | 93.7655% | 1,998 |
| Total domestic deposits to total assets | 82.5484% | 3,251 |
| Equity capital to assets | 11.9585% | 2,099 |
| Core capital (leverage) ratio | 12.0214% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7485% | 671 |
| Memoranda: | ||
| Average total assets | $183,542,500 | 3,015 |
| Average earning assets | $172,377,000 | 2,992 |
| Average equity | $22,075,000 | 2,991 |
| Average total loans | $133,919,000 | 2,798 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 3,155 |
| Cost of funding earning assets | 0.7774% | 2,783 |
| Net interest margin | 3.6568% | 2,933 |
| Noninterest income to average assets | 0.7537% | 1,616 |
| Noninterest expense to average assets | 2.4600% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7051% | 648 |
| Return on assets (ROA) | 1.6396% | 801 |
| Pretax return on assets | 1.6530% | 1,329 |
| Return on Equity (ROE) | 13.3176% | 1,069 |
| Retained earnings to average equity (ytd only) | 7.2899% | 1,259 |
| Net charge-offs to loans | -0.0089% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8651% | 3,854 |
| Assets per employee ($millions) | 5.4775% | 2,082 |
| Cash dividends to net income (ytd only)* | 45.2617% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 4,540 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,572 |
| Noncurrent loans to loans | 0.0231% | 4,474 |
| Net loans and leases to total assets | 73.5746% | 1,824 |
| Net loans and leases to deposits | 88.2606% | 1,807 |
| Net loans and leases to core deposits | 96.0987% | 1,892 |
| Total domestic deposits to total assets | 83.3606% | 3,080 |
| Equity capital to assets | 12.0979% | 2,077 |
| Core capital (leverage) ratio | 12.3620% | 1,560 |
| Tier 1 risk-based capital ratio | 20.0490% | 1,321 |
| Total risk-based capital ratio | 20.9311% | 1,347 |
| Memoranda: | ||
| Average total assets | $172,478,200 | 3,089 |
| Average earning assets | $161,561,400 | 3,071 |
| Average equity | $21,235,000 | 3,020 |
| Average total loans | $124,070,800 | 2,893 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,193 |
| Cost of funding earning assets | 0.7671% | 2,884 |
| Net interest margin | 3.6873% | 2,961 |
| Noninterest income to average assets | 0.8317% | 1,326 |
| Noninterest expense to average assets | 2.4975% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7683% | 650 |
| Return on assets (ROA) | 1.7690% | 684 |
| Pretax return on assets | 1.7839% | 1,127 |
| Return on Equity (ROE) | 14.3029% | 927 |
| Retained earnings to average equity (ytd only) | 8.9891% | 1,048 |
| Net charge-offs to loans | -0.0088% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3440% | 3,883 |
| Assets per employee ($millions) | 5.2162% | 2,324 |
| Cash dividends to net income (ytd only)* | 37.1517% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 4,520 |
| Loan loss allowance to noncurrent loans | 167.9510% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 3,213 |
| Noncurrent loans to loans | 0.4529% | 2,949 |
| Net loans and leases to total assets | 72.6918% | 2,048 |
| Net loans and leases to deposits | 87.2483% | 2,029 |
| Net loans and leases to core deposits | 95.1840% | 2,068 |
| Total domestic deposits to total assets | 83.3160% | 3,059 |
| Equity capital to assets | 12.7557% | 1,750 |
| Core capital (leverage) ratio | 12.6586% | 1,501 |
| Tier 1 risk-based capital ratio | 20.7829% | 1,217 |
| Total risk-based capital ratio | 21.6997% | 1,262 |
| Memoranda: | ||
| Average total assets | $170,408,250 | 3,141 |
| Average earning assets | $159,389,500 | 3,118 |
| Average equity | $21,076,750 | 3,056 |
| Average total loans | $121,600,250 | 2,959 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 3,261 |
| Cost of funding earning assets | 0.7509% | 2,887 |
| Net interest margin | 3.6752% | 3,011 |
| Noninterest income to average assets | 0.9798% | 911 |
| Noninterest expense to average assets | 2.5260% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8736% | 510 |
| Return on assets (ROA) | 1.8736% | 537 |
| Pretax return on assets | 1.8889% | 854 |
| Return on Equity (ROE) | 15.3103% | 698 |
| Retained earnings to average equity (ytd only) | 9.5846% | 887 |
| Net charge-offs to loans | -0.0100% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2153% | 4,106 |
| Assets per employee ($millions) | 4.9658% | 2,520 |
| Cash dividends to net income (ytd only)* | 37.3979% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 4,438 |
| Loan loss allowance to noncurrent loans | 175.4128% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,243 |
| Noncurrent loans to loans | 0.4564% | 2,911 |
| Net loans and leases to total assets | 70.1598% | 2,511 |
| Net loans and leases to deposits | 83.0471% | 2,599 |
| Net loans and leases to core deposits | 88.0196% | 2,793 |
| Total domestic deposits to total assets | 84.4820% | 2,693 |
| Equity capital to assets | 12.6904% | 1,750 |
| Core capital (leverage) ratio | 12.5214% | 1,527 |
| Tier 1 risk-based capital ratio | 20.7535% | 1,205 |
| Total risk-based capital ratio | 21.6853% | 1,236 |
| Memoranda: | ||
| Average total assets | $169,832,670 | 3,161 |
| Average earning assets | $158,739,670 | 3,140 |
| Average equity | $20,783,330 | 3,076 |
| Average total loans | $120,104,670 | 2,990 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 3,219 |
| Cost of funding earning assets | 0.7156% | 2,970 |
| Net interest margin | 3.6865% | 2,943 |
| Noninterest income to average assets | 1.4983% | 392 |
| Noninterest expense to average assets | 2.5221% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3906% | 196 |
| Return on assets (ROA) | 2.3906% | 209 |
| Pretax return on assets | 2.4118% | 289 |
| Return on Equity (ROE) | 19.9003% | 272 |
| Retained earnings to average equity (ytd only) | 14.8177% | 286 |
| Net charge-offs to loans | -0.0100% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1185% | 4,754 |
| Assets per employee ($millions) | 5.3792% | 2,093 |
| Cash dividends to net income (ytd only)* | 25.5403% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 4,530 |
| Loan loss allowance to noncurrent loans | 209.9119% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 3,566 |
| Noncurrent loans to loans | 0.3801% | 3,225 |
| Net loans and leases to total assets | 68.8284% | 2,645 |
| Net loans and leases to deposits | 86.4442% | 2,079 |
| Net loans and leases to core deposits | 91.6437% | 2,332 |
| Total domestic deposits to total assets | 79.6217% | 4,236 |
| Equity capital to assets | 12.1510% | 1,936 |
| Core capital (leverage) ratio | 12.1903% | 1,672 |
| Tier 1 risk-based capital ratio | 20.3785% | 1,266 |
| Total risk-based capital ratio | 21.3009% | 1,302 |
| Memoranda: | ||
| Average total assets | $170,331,000 | 3,191 |
| Average earning assets | $158,742,000 | 3,177 |
| Average equity | $20,462,000 | 3,116 |
| Average total loans | $120,451,500 | 3,014 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 3,333 |
| Cost of funding earning assets | 0.5795% | 2,858 |
| Net interest margin | 3.6569% | 3,202 |
| Noninterest income to average assets | 0.5746% | 2,420 |
| Noninterest expense to average assets | 2.4805% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4821% | 1,164 |
| Return on assets (ROA) | 1.4868% | 1,142 |
| Pretax return on assets | 1.4991% | 1,786 |
| Return on Equity (ROE) | 12.7157% | 1,461 |
| Retained earnings to average equity (ytd only) | 4.4628% | 3,069 |
| Net charge-offs to loans | -0.0233% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4040% | 3,453 |
| Assets per employee ($millions) | 5.1069% | 2,375 |
| Cash dividends to net income (ytd only)* | 64.9033% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 4,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 1,681 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.5157% | 2,341 |
| Net loans and leases to deposits | 87.8685% | 2,060 |
| Net loans and leases to core deposits | 92.9001% | 2,328 |
| Total domestic deposits to total assets | 81.3894% | 3,810 |
| Equity capital to assets | 11.8722% | 1,987 |
| Core capital (leverage) ratio | 12.0547% | 1,699 |
| Tier 1 risk-based capital ratio | 19.2634% | 1,461 |
| Total risk-based capital ratio | 20.1652% | 1,493 |
| Memoranda: | ||
| Average total assets | $170,370,000 | 3,162 |
| Average earning assets | $158,414,600 | 3,156 |
| Average equity | $19,920,200 | 3,098 |
| Average total loans | $115,960,800 | 3,045 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 3,345 |
| Cost of funding earning assets | 0.5429% | 2,913 |
| Net interest margin | 3.6495% | 3,201 |
| Noninterest income to average assets | 0.5596% | 2,524 |
| Noninterest expense to average assets | 2.4897% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4573% | 1,307 |
| Return on assets (ROA) | 1.4735% | 1,262 |
| Pretax return on assets | 1.4860% | 1,946 |
| Return on Equity (ROE) | 12.6507% | 1,561 |
| Retained earnings to average equity (ytd only) | 7.5985% | 1,849 |
| Net charge-offs to loans | -0.0303% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8819% | 3,359 |
| Assets per employee ($millions) | 5.1220% | 2,309 |
| Cash dividends to net income (ytd only)* | 39.9365% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 4,629 |
| Loan loss allowance to noncurrent loans | 76.3475% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 811 |
| Noncurrent loans to loans | 1.0454% | 1,631 |
| Net loans and leases to total assets | 69.7857% | 2,683 |
| Net loans and leases to deposits | 84.7811% | 2,504 |
| Net loans and leases to core deposits | 92.7998% | 2,406 |
| Total domestic deposits to total assets | 82.3128% | 3,517 |
| Equity capital to assets | 11.9094% | 1,959 |
| Core capital (leverage) ratio | 12.2346% | 1,653 |
| Tier 1 risk-based capital ratio | 20.1296% | 1,311 |
| Total risk-based capital ratio | 21.0596% | 1,342 |
| Memoranda: | ||
| Average total assets | $170,830,500 | 3,190 |
| Average earning assets | $159,143,000 | 3,177 |
| Average equity | $19,898,250 | 3,120 |
| Average total loans | $114,582,750 | 3,089 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1683% | 3,213 |
| Cost of funding earning assets | 0.4985% | 3,017 |
| Net interest margin | 3.6698% | 3,044 |
| Noninterest income to average assets | 0.5542% | 2,561 |
| Noninterest expense to average assets | 2.5409% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4198% | 1,368 |
| Return on assets (ROA) | 1.4198% | 1,372 |
| Pretax return on assets | 1.4315% | 2,050 |
| Return on Equity (ROE) | 12.2799% | 1,625 |
| Retained earnings to average equity (ytd only) | 7.2953% | 1,924 |
| Net charge-offs to loans | -0.0407% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9648% | 3,320 |
| Assets per employee ($millions) | 4.9327% | 2,504 |
| Cash dividends to net income (ytd only)* | 40.5916% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,687 |
| Loan loss allowance to noncurrent loans | 184.7656% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,287 |
| Noncurrent loans to loans | 0.4342% | 3,145 |
| Net loans and leases to total assets | 69.7447% | 2,618 |
| Net loans and leases to deposits | 86.5164% | 2,266 |
| Net loans and leases to core deposits | 91.5947% | 2,434 |
| Total domestic deposits to total assets | 80.6145% | 4,098 |
| Equity capital to assets | 11.8798% | 1,937 |
| Core capital (leverage) ratio | 11.7403% | 1,880 |
| Tier 1 risk-based capital ratio | 19.5084% | 1,429 |
| Total risk-based capital ratio | 20.4253% | 1,464 |
| Memoranda: | ||
| Average total assets | $171,432,000 | 3,201 |
| Average earning assets | $159,680,000 | 3,194 |
| Average equity | $19,821,000 | 3,147 |
| Average total loans | $113,142,000 | 3,122 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,508 |
| Cost of funding earning assets | 0.4885% | 2,880 |
| Net interest margin | 3.5412% | 3,383 |
| Noninterest income to average assets | 0.4963% | 2,824 |
| Noninterest expense to average assets | 2.3983% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3826% | 1,390 |
| Return on assets (ROA) | 1.3826% | 1,406 |
| Pretax return on assets | 1.3942% | 2,031 |
| Return on Equity (ROE) | 12.1197% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.1625% | 2,207 |
| Net charge-offs to loans | -0.0108% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2380% | 3,596 |
| Assets per employee ($millions) | 5.1555% | 2,293 |
| Cash dividends to net income (ytd only)* | 40.9015% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,667 |
| Loan loss allowance to noncurrent loans | 1,624.5614% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 1,905 |
| Noncurrent loans to loans | 0.0519% | 4,749 |
| Net loans and leases to total assets | 62.1375% | 3,533 |
| Net loans and leases to deposits | 74.5985% | 3,357 |
| Net loans and leases to core deposits | 81.8183% | 3,154 |
| Total domestic deposits to total assets | 83.2960% | 3,583 |
| Equity capital to assets | 11.2855% | 2,316 |
| Core capital (leverage) ratio | 11.3082% | 2,162 |
| Tier 1 risk-based capital ratio | 19.3938% | 1,451 |
| Total risk-based capital ratio | 20.3027% | 1,505 |
| Memoranda: | ||
| Average total assets | $173,291,500 | 3,205 |
| Average earning assets | $161,303,000 | 3,199 |
| Average equity | $19,769,500 | 3,180 |
| Average total loans | $110,754,500 | 3,178 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,532 |
| Cost of funding earning assets | 0.4327% | 2,934 |
| Net interest margin | 3.5275% | 3,434 |
| Noninterest income to average assets | 0.6174% | 2,367 |
| Noninterest expense to average assets | 2.3272% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5490% | 725 |
| Return on assets (ROA) | 1.5016% | 818 |
| Pretax return on assets | 1.5148% | 1,583 |
| Return on Equity (ROE) | 12.7629% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.8814% | 2,203 |
| Net charge-offs to loans | -0.0253% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8277% | 4,294 |
| Assets per employee ($millions) | 4.7582% | 2,791 |
| Cash dividends to net income (ytd only)* | 61.7530% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 4,750 |
| Loan loss allowance to noncurrent loans | 1,564.4068% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 1,828 |
| Noncurrent loans to loans | 0.0528% | 4,758 |
| Net loans and leases to total assets | 64.6489% | 3,278 |
| Net loans and leases to deposits | 76.9847% | 3,231 |
| Net loans and leases to core deposits | 87.0345% | 2,820 |
| Total domestic deposits to total assets | 83.9763% | 3,218 |
| Equity capital to assets | 11.5338% | 2,175 |
| Core capital (leverage) ratio | 11.2712% | 2,112 |
| Tier 1 risk-based capital ratio | 18.6471% | 1,602 |
| Total risk-based capital ratio | 19.5340% | 1,665 |
| Memoranda: | ||
| Average total assets | $167,153,400 | 3,273 |
| Average earning assets | $155,066,800 | 3,257 |
| Average equity | $19,666,400 | 3,180 |
| Average total loans | $106,535,000 | 3,238 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,596 |
| Cost of funding earning assets | 0.4091% | 3,100 |
| Net interest margin | 3.5176% | 3,437 |
| Noninterest income to average assets | 0.6204% | 2,362 |
| Noninterest expense to average assets | 2.2345% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6357% | 656 |
| Return on assets (ROA) | 1.6357% | 679 |
| Pretax return on assets | 1.6502% | 1,243 |
| Return on Equity (ROE) | 13.8327% | 869 |
| Retained earnings to average equity (ytd only) | 7.9548% | 1,242 |
| Net charge-offs to loans | -0.0190% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5207% | 4,563 |
| Assets per employee ($millions) | 4.8468% | 2,635 |
| Cash dividends to net income (ytd only)* | 42.4926% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 4,798 |
| Loan loss allowance to noncurrent loans | 1,493.4426% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 1,954 |
| Noncurrent loans to loans | 0.0561% | 4,858 |
| Net loans and leases to total assets | 63.6092% | 3,470 |
| Net loans and leases to deposits | 77.5828% | 3,214 |
| Net loans and leases to core deposits | 87.8678% | 2,785 |
| Total domestic deposits to total assets | 81.9888% | 3,781 |
| Equity capital to assets | 11.9065% | 2,026 |
| Core capital (leverage) ratio | 11.9051% | 1,752 |
| Tier 1 risk-based capital ratio | 19.4870% | 1,483 |
| Total risk-based capital ratio | 20.3920% | 1,515 |
| Memoranda: | ||
| Average total assets | $166,117,750 | 3,313 |
| Average earning assets | $154,154,500 | 3,297 |
| Average equity | $19,643,750 | 3,204 |
| Average total loans | $105,252,750 | 3,283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 3,635 |
| Cost of funding earning assets | 0.3872% | 3,209 |
| Net interest margin | 3.4900% | 3,443 |
| Noninterest income to average assets | 0.6245% | 2,352 |
| Noninterest expense to average assets | 2.1995% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6454% | 631 |
| Return on assets (ROA) | 1.6454% | 653 |
| Pretax return on assets | 1.6600% | 1,162 |
| Return on Equity (ROE) | 13.9473% | 817 |
| Retained earnings to average equity (ytd only) | 7.7188% | 1,276 |
| Net charge-offs to loans | -0.0231% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9903% | 4,711 |
| Assets per employee ($millions) | 4.7763% | 2,681 |
| Cash dividends to net income (ytd only)* | 44.6573% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 4,706 |
| Loan loss allowance to noncurrent loans | 1,464.5161% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 1,908 |
| Noncurrent loans to loans | 0.0602% | 4,886 |
| Net loans and leases to total assets | 62.8283% | 3,531 |
| Net loans and leases to deposits | 73.8540% | 3,562 |
| Net loans and leases to core deposits | 83.6113% | 3,113 |
| Total domestic deposits to total assets | 85.0710% | 2,778 |
| Equity capital to assets | 12.2781% | 1,744 |
| Core capital (leverage) ratio | 11.7606% | 1,790 |
| Tier 1 risk-based capital ratio | 19.4223% | 1,491 |
| Total risk-based capital ratio | 20.3410% | 1,526 |
| Memoranda: | ||
| Average total assets | $164,944,000 | 3,340 |
| Average earning assets | $152,896,000 | 3,333 |
| Average equity | $19,459,000 | 3,224 |
| Average total loans | $104,064,670 | 3,316 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 3,799 |
| Cost of funding earning assets | 0.3560% | 3,464 |
| Net interest margin | 3.4330% | 3,507 |
| Noninterest income to average assets | 0.5776% | 2,527 |
| Noninterest expense to average assets | 2.1610% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5811% | 705 |
| Return on assets (ROA) | 1.5811% | 721 |
| Pretax return on assets | 1.5955% | 1,248 |
| Return on Equity (ROE) | 13.6740% | 868 |
| Retained earnings to average equity (ytd only) | 12.4252% | 429 |
| Net charge-offs to loans | -0.0382% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5272% | 4,771 |
| Assets per employee ($millions) | 4.6556% | 2,913 |
| Cash dividends to net income (ytd only)* | 9.1324% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,780 |
| Loan loss allowance to noncurrent loans | 755.0000% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 1,974 |
| Noncurrent loans to loans | 0.1183% | 4,717 |
| Net loans and leases to total assets | 61.6790% | 3,582 |
| Net loans and leases to deposits | 76.3204% | 3,163 |
| Net loans and leases to core deposits | 77.6482% | 3,503 |
| Total domestic deposits to total assets | 80.8158% | 4,458 |
| Equity capital to assets | 11.9714% | 1,865 |
| Core capital (leverage) ratio | 11.2578% | 2,138 |
| Tier 1 risk-based capital ratio | 19.2983% | 1,537 |
| Total risk-based capital ratio | 20.2165% | 1,586 |
| Memoranda: | ||
| Average total assets | $166,218,500 | 3,355 |
| Average earning assets | $153,916,500 | 3,352 |
| Average equity | $19,219,000 | 3,264 |
| Average total loans | $104,628,000 | 3,329 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 3,969 |
| Cost of funding earning assets | 0.3298% | 3,749 |
| Net interest margin | 3.4501% | 3,630 |
| Noninterest income to average assets | 0.6778% | 2,276 |
| Noninterest expense to average assets | 2.3423% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5275% | 785 |
| Return on assets (ROA) | 1.4538% | 937 |
| Pretax return on assets | 1.4669% | 1,694 |
| Return on Equity (ROE) | 12.9272% | 1,008 |
| Retained earnings to average equity (ytd only) | 5.4555% | 2,041 |
| Net charge-offs to loans | 0.0147% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 172.6667% | 378 |
| Efficiency ratio | 60.3126% | 4,536 |
| Assets per employee ($millions) | 4.9850% | 2,412 |
| Cash dividends to net income (ytd only)* | 57.7978% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 5,016 |
| Loan loss allowance to noncurrent loans | 428.7081% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 1,995 |
| Noncurrent loans to loans | 0.1938% | 4,461 |
| Net loans and leases to total assets | 63.1011% | 3,469 |
| Net loans and leases to deposits | 83.5188% | 2,476 |
| Net loans and leases to core deposits | 85.5258% | 2,884 |
| Total domestic deposits to total assets | 75.5531% | 5,288 |
| Equity capital to assets | 11.1694% | 2,455 |
| Core capital (leverage) ratio | 10.6473% | 2,724 |
| Tier 1 risk-based capital ratio | 17.5797% | 1,982 |
| Total risk-based capital ratio | 18.4337% | 2,052 |
| Memoranda: | ||
| Average total assets | $168,038,400 | 3,308 |
| Average earning assets | $156,141,600 | 3,297 |
| Average equity | $18,898,200 | 3,281 |
| Average total loans | $102,067,800 | 3,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 4,123 |
| Cost of funding earning assets | 0.3195% | 3,873 |
| Net interest margin | 3.4181% | 3,783 |
| Noninterest income to average assets | 0.6974% | 2,179 |
| Noninterest expense to average assets | 2.4682% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3975% | 1,073 |
| Return on assets (ROA) | 1.3613% | 1,221 |
| Pretax return on assets | 1.3740% | 2,146 |
| Return on Equity (ROE) | 12.0837% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.4230% | 1,955 |
| Net charge-offs to loans | 0.0080% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 295.6588% | 276 |
| Efficiency ratio | 63.6326% | 3,978 |
| Assets per employee ($millions) | 5.1842% | 2,155 |
| Cash dividends to net income (ytd only)* | 46.8459% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 5,067 |
| Loan loss allowance to noncurrent loans | 1,392.3077% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 2,414 |
| Noncurrent loans to loans | 0.0605% | 5,114 |
| Net loans and leases to total assets | 62.3224% | 3,611 |
| Net loans and leases to deposits | 82.4409% | 2,676 |
| Net loans and leases to core deposits | 85.9208% | 2,954 |
| Total domestic deposits to total assets | 75.5965% | 5,277 |
| Equity capital to assets | 11.3013% | 2,705 |
| Core capital (leverage) ratio | 10.7831% | 2,703 |
| Tier 1 risk-based capital ratio | 17.5546% | 2,055 |
| Total risk-based capital ratio | 18.4216% | 2,133 |
| Memoranda: | ||
| Average total assets | $167,675,500 | 3,330 |
| Average earning assets | $156,067,750 | 3,310 |
| Average equity | $18,890,000 | 3,307 |
| Average total loans | $100,623,250 | 3,386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,158 |
| Cost of funding earning assets | 0.3084% | 4,033 |
| Net interest margin | 3.4316% | 3,755 |
| Noninterest income to average assets | 0.6689% | 2,284 |
| Noninterest expense to average assets | 2.4775% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3721% | 1,110 |
| Return on assets (ROA) | 1.3174% | 1,323 |
| Pretax return on assets | 1.3294% | 2,292 |
| Return on Equity (ROE) | 11.7063% | 1,415 |
| Retained earnings to average equity (ytd only) | 5.9439% | 2,147 |
| Net charge-offs to loans | -0.0264% | 5,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1480% | 3,994 |
| Assets per employee ($millions) | 4.7696% | 2,604 |
| Cash dividends to net income (ytd only)* | 49.2252% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,915 |
| Loan loss allowance to noncurrent loans | 13,200.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.8434% | 2,483 |
| Noncurrent loans to loans | 0.0069% | 5,483 |
| Net loans and leases to total assets | 60.0653% | 3,879 |
| Net loans and leases to deposits | 77.6228% | 3,192 |
| Net loans and leases to core deposits | 79.7883% | 3,479 |
| Total domestic deposits to total assets | 77.3810% | 5,103 |
| Equity capital to assets | 11.4703% | 2,574 |
| Core capital (leverage) ratio | 10.6726% | 2,764 |
| Tier 1 risk-based capital ratio | 18.1510% | 1,893 |
| Total risk-based capital ratio | 19.0842% | 1,939 |
| Memoranda: | ||
| Average total assets | $166,541,330 | 3,360 |
| Average earning assets | $154,970,000 | 3,336 |
| Average equity | $18,742,000 | 3,333 |
| Average total loans | $98,322,670 | 3,435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,203 |
| Cost of funding earning assets | 0.2895% | 4,281 |
| Net interest margin | 3.4427% | 3,703 |
| Noninterest income to average assets | 0.6589% | 2,224 |
| Noninterest expense to average assets | 2.3830% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4657% | 912 |
| Return on assets (ROA) | 1.3562% | 1,190 |
| Pretax return on assets | 1.3682% | 2,013 |
| Return on Equity (ROE) | 12.1689% | 1,266 |
| Retained earnings to average equity (ytd only) | 6.2355% | 2,264 |
| Net charge-offs to loans | -0.0413% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7061% | 4,484 |
| Assets per employee ($millions) | 4.8702% | 2,494 |
| Cash dividends to net income (ytd only)* | 48.7589% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 2,568 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.0027% | 4,042 |
| Net loans and leases to deposits | 73.6717% | 3,472 |
| Net loans and leases to core deposits | 76.6820% | 3,611 |
| Total domestic deposits to total assets | 78.7314% | 5,027 |
| Equity capital to assets | 11.2974% | 2,632 |
| Core capital (leverage) ratio | 10.6479% | 2,795 |
| Tier 1 risk-based capital ratio | 18.4428% | 1,869 |
| Total risk-based capital ratio | 19.4030% | 1,907 |
| Memoranda: | ||
| Average total assets | $166,344,500 | 3,375 |
| Average earning assets | $154,764,000 | 3,354 |
| Average equity | $18,539,000 | 3,362 |
| Average total loans | $96,887,000 | 3,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4373% | 5,080 |
| Cost of funding earning assets | 0.2569% | 4,716 |
| Net interest margin | 3.1804% | 4,685 |
| Noninterest income to average assets | 0.6940% | 2,231 |
| Noninterest expense to average assets | 2.4699% | 4,324 |
| Loan and lease loss provision to assets | 0.0790% | 2,701 |
| Net operating income to assets | 1.0841% | 1,991 |
| Return on assets (ROA) | 1.0125% | 2,379 |
| Pretax return on assets | 1.0222% | 3,374 |
| Return on Equity (ROE) | 9.0255% | 2,441 |
| Retained earnings to average equity (ytd only) | 2.0749% | 4,546 |
| Net charge-offs to loans | -0.0113% | 5,136 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7898% | 3,601 |
| Assets per employee ($millions) | 4.7743% | 2,640 |
| Cash dividends to net income (ytd only)* | 77.0108% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 4,911 |
| Loan loss allowance to noncurrent loans | 979.5699% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 2,430 |
| Noncurrent loans to loans | 0.0961% | 5,111 |
| Net loans and leases to total assets | 57.3877% | 4,159 |
| Net loans and leases to deposits | 73.2254% | 3,588 |
| Net loans and leases to core deposits | 78.7912% | 3,466 |
| Total domestic deposits to total assets | 78.3713% | 5,088 |
| Equity capital to assets | 10.9939% | 2,828 |
| Core capital (leverage) ratio | 10.4099% | 3,049 |
| Tier 1 risk-based capital ratio | 18.1270% | 1,927 |
| Total risk-based capital ratio | 19.0761% | 1,965 |
| Memoranda: | ||
| Average total assets | $164,543,600 | 3,380 |
| Average earning assets | $152,592,600 | 3,362 |
| Average equity | $18,458,800 | 3,320 |
| Average total loans | $88,677,400 | 3,618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 5,116 |
| Cost of funding earning assets | 0.2544% | 4,828 |
| Net interest margin | 3.1873% | 4,710 |
| Noninterest income to average assets | 0.7069% | 2,199 |
| Noninterest expense to average assets | 2.5079% | 4,172 |
| Loan and lease loss provision to assets | 0.0447% | 3,316 |
| Net operating income to assets | 1.0998% | 2,007 |
| Return on assets (ROA) | 1.0176% | 2,483 |
| Pretax return on assets | 1.0266% | 3,514 |
| Return on Equity (ROE) | 9.0254% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,065 |
| Net charge-offs to loans | -0.0123% | 5,057 |
| Credit loss provision to net charge-offs | -687.5000% | 5,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4807% | 3,456 |
| Assets per employee ($millions) | 4.6980% | 2,711 |
| Cash dividends to net income (ytd only)* | 47.0023% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 5,084 |
| Loan loss allowance to noncurrent loans | 76.9373% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6828% | 1,291 |
| Noncurrent loans to loans | 1.2051% | 2,122 |
| Net loans and leases to total assets | 54.1981% | 4,548 |
| Net loans and leases to deposits | 68.6056% | 4,133 |
| Net loans and leases to core deposits | 72.2615% | 4,167 |
| Total domestic deposits to total assets | 78.9996% | 4,978 |
| Equity capital to assets | 11.4523% | 2,540 |
| Core capital (leverage) ratio | 10.8770% | 2,612 |
| Tier 1 risk-based capital ratio | 19.4416% | 1,677 |
| Total risk-based capital ratio | 20.3587% | 1,710 |
| Memoranda: | ||
| Average total assets | $163,904,000 | 3,418 |
| Average earning assets | $151,972,250 | 3,396 |
| Average equity | $18,480,750 | 3,343 |
| Average total loans | $86,645,000 | 3,702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 5,097 |
| Cost of funding earning assets | 0.2554% | 4,885 |
| Net interest margin | 3.1973% | 4,673 |
| Noninterest income to average assets | 0.6780% | 2,308 |
| Noninterest expense to average assets | 2.4284% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2056% | 1,582 |
| Return on assets (ROA) | 1.0823% | 2,110 |
| Pretax return on assets | 1.0921% | 3,207 |
| Return on Equity (ROE) | 9.6493% | 2,230 |
| Retained earnings to average equity (ytd only) | 5.4237% | 2,584 |
| Net charge-offs to loans | -0.1660% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6220% | 3,894 |
| Assets per employee ($millions) | 4.4122% | 3,123 |
| Cash dividends to net income (ytd only)* | 43.7923% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 5,008 |
| Loan loss allowance to noncurrent loans | 75.3805% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.7257% | 1,372 |
| Noncurrent loans to loans | 1.2860% | 2,101 |
| Net loans and leases to total assets | 54.1533% | 4,537 |
| Net loans and leases to deposits | 69.2661% | 4,008 |
| Net loans and leases to core deposits | 71.5786% | 4,175 |
| Total domestic deposits to total assets | 78.1815% | 5,242 |
| Equity capital to assets | 11.6345% | 2,305 |
| Core capital (leverage) ratio | 10.9691% | 2,458 |
| Tier 1 risk-based capital ratio | 20.1837% | 1,507 |
| Total risk-based capital ratio | 21.1540% | 1,530 |
| Memoranda: | ||
| Average total assets | $163,728,670 | 3,436 |
| Average earning assets | $151,939,330 | 3,420 |
| Average equity | $18,364,000 | 3,375 |
| Average total loans | $85,542,670 | 3,744 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 5,400 |
| Cost of funding earning assets | 0.2488% | 5,036 |
| Net interest margin | 3.0717% | 5,025 |
| Noninterest income to average assets | 0.5897% | 2,702 |
| Noninterest expense to average assets | 2.4167% | 4,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0152% | 2,193 |
| Return on assets (ROA) | 0.9604% | 2,579 |
| Pretax return on assets | 0.9701% | 3,606 |
| Return on Equity (ROE) | 8.7185% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.5668% | 3,291 |
| Net charge-offs to loans | -0.3204% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2098% | 3,450 |
| Assets per employee ($millions) | 4.5029% | 3,050 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,948 |
| Loan loss allowance to noncurrent loans | 72.8299% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 1,462 |
| Noncurrent loans to loans | 1.3916% | 2,062 |
| Net loans and leases to total assets | 50.5506% | 4,788 |
| Net loans and leases to deposits | 62.4326% | 4,531 |
| Net loans and leases to core deposits | 64.5223% | 4,653 |
| Total domestic deposits to total assets | 80.9683% | 4,829 |
| Equity capital to assets | 11.4069% | 2,553 |
| Core capital (leverage) ratio | 10.1502% | 3,406 |
| Tier 1 risk-based capital ratio | 20.0246% | 1,610 |
| Total risk-based capital ratio | 20.9999% | 1,641 |
| Memoranda: | ||
| Average total assets | $166,174,000 | 3,423 |
| Average earning assets | $154,312,500 | 3,403 |
| Average equity | $18,306,000 | 3,406 |
| Average total loans | $84,885,000 | 3,778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4830% | 5,353 |
| Cost of funding earning assets | 0.2679% | 5,127 |
| Net interest margin | 3.2150% | 4,872 |
| Noninterest income to average assets | 0.8208% | 1,788 |
| Noninterest expense to average assets | 2.5016% | 4,544 |
| Loan and lease loss provision to assets | 0.1470% | 1,795 |
| Net operating income to assets | 1.1313% | 1,857 |
| Return on assets (ROA) | 1.0664% | 2,160 |
| Pretax return on assets | 1.0762% | 3,176 |
| Return on Equity (ROE) | 9.8998% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.9341% | 4,154 |
| Net charge-offs to loans | 0.2254% | 1,866 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | 11.6889% | 2,462 |
| Efficiency ratio | 65.9987% | 4,251 |
| Assets per employee ($millions) | 4.7290% | 2,686 |
| Cash dividends to net income (ytd only)* | 70.3619% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 5,514 |
| Loan loss allowance to noncurrent loans | 102.2546% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 1,992 |
| Noncurrent loans to loans | 0.8668% | 3,152 |
| Net loans and leases to total assets | 50.6423% | 4,904 |
| Net loans and leases to deposits | 63.7881% | 4,546 |
| Net loans and leases to core deposits | 66.2706% | 4,651 |
| Total domestic deposits to total assets | 79.3915% | 5,162 |
| Equity capital to assets | 10.6441% | 3,305 |
| Core capital (leverage) ratio | 10.3270% | 3,136 |
| Tier 1 risk-based capital ratio | 18.9995% | 1,846 |
| Total risk-based capital ratio | 19.8602% | 1,923 |
| Memoranda: | ||
| Average total assets | $163,253,600 | 3,435 |
| Average earning assets | $150,791,400 | 3,430 |
| Average equity | $17,586,200 | 3,441 |
| Average total loans | $79,869,000 | 3,878 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5075% | 5,382 |
| Cost of funding earning assets | 0.2729% | 5,180 |
| Net interest margin | 3.2346% | 4,837 |
| Noninterest income to average assets | 0.6860% | 2,399 |
| Noninterest expense to average assets | 2.5485% | 4,371 |
| Loan and lease loss provision to assets | 0.1156% | 2,122 |
| Net operating income to assets | 0.9966% | 2,461 |
| Return on assets (ROA) | 0.9337% | 2,850 |
| Pretax return on assets | 0.9428% | 3,817 |
| Return on Equity (ROE) | 8.6404% | 2,880 |
| Retained earnings to average equity (ytd only) | 4.7060% | 3,278 |
| Net charge-offs to loans | 0.0051% | 4,520 |
| Credit loss provision to net charge-offs | 4,666.6667% | 83 |
| Earnings coverage of net charge-offs (x) | 452.9875% | 166 |
| Efficiency ratio | 69.4332% | 3,601 |
| Assets per employee ($millions) | 4.5081% | 2,956 |
| Cash dividends to net income (ytd only)* | 45.5350% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 5,065 |
| Loan loss allowance to noncurrent loans | 193.6073% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3260% | 2,330 |
| Noncurrent loans to loans | 0.5332% | 4,336 |
| Net loans and leases to total assets | 50.0897% | 4,996 |
| Net loans and leases to deposits | 62.6277% | 4,683 |
| Net loans and leases to core deposits | 64.4653% | 4,844 |
| Total domestic deposits to total assets | 79.9800% | 5,107 |
| Equity capital to assets | 11.1995% | 2,757 |
| Core capital (leverage) ratio | 10.5681% | 2,960 |
| Tier 1 risk-based capital ratio | 20.0555% | 1,659 |
| Total risk-based capital ratio | 21.0491% | 1,687 |
| Memoranda: | ||
| Average total assets | $161,505,750 | 3,503 |
| Average earning assets | $149,010,500 | 3,485 |
| Average equity | $17,452,500 | 3,477 |
| Average total loans | $78,089,500 | 3,963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4438% | 5,535 |
| Cost of funding earning assets | 0.2759% | 5,230 |
| Net interest margin | 3.1679% | 5,048 |
| Noninterest income to average assets | 0.6177% | 2,724 |
| Noninterest expense to average assets | 2.5192% | 4,517 |
| Loan and lease loss provision to assets | 0.1737% | 1,407 |
| Net operating income to assets | 0.8369% | 3,142 |
| Return on assets (ROA) | 0.8000% | 3,437 |
| Pretax return on assets | 0.8075% | 4,236 |
| Return on Equity (ROE) | 7.4951% | 3,371 |
| Retained earnings to average equity (ytd only) | 4.2995% | 3,437 |
| Net charge-offs to loans | -0.0339% | 5,730 |
| Credit loss provision to net charge-offs | -1,076.9231% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2132% | 3,469 |
| Assets per employee ($millions) | 4.4116% | 3,070 |
| Cash dividends to net income (ytd only)* | 42.6357% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 4,808 |
| Loan loss allowance to noncurrent loans | 67.9245% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 1,741 |
| Noncurrent loans to loans | 1.6513% | 2,105 |
| Net loans and leases to total assets | 47.9571% | 5,175 |
| Net loans and leases to deposits | 58.2159% | 5,026 |
| Net loans and leases to core deposits | 59.4914% | 5,162 |
| Total domestic deposits to total assets | 82.3781% | 4,513 |
| Equity capital to assets | 11.1586% | 2,726 |
| Core capital (leverage) ratio | 10.5370% | 2,901 |
| Tier 1 risk-based capital ratio | 21.0490% | 1,438 |
| Total risk-based capital ratio | 22.1267% | 1,450 |
| Memoranda: | ||
| Average total assets | $161,243,330 | 3,521 |
| Average earning assets | $148,613,670 | 3,507 |
| Average equity | $17,211,330 | 3,517 |
| Average total loans | $76,739,330 | 4,014 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3084% | 5,824 |
| Cost of funding earning assets | 0.2811% | 5,269 |
| Net interest margin | 3.0273% | 5,453 |
| Noninterest income to average assets | 0.5638% | 2,959 |
| Noninterest expense to average assets | 2.5041% | 4,609 |
| Loan and lease loss provision to assets | 0.3447% | 517 |
| Net operating income to assets | 0.4949% | 4,715 |
| Return on assets (ROA) | 0.4949% | 4,796 |
| Pretax return on assets | 0.4998% | 5,170 |
| Return on Equity (ROE) | 4.7417% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.9160% | 3,764 |
| Net charge-offs to loans | 0.0313% | 2,965 |
| Credit loss provision to net charge-offs | 2,333.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 680 |
| Efficiency ratio | 74.7794% | 3,003 |
| Assets per employee ($millions) | 4.5777% | 2,843 |
| Cash dividends to net income (ytd only)* | 17.4129% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 4,900 |
| Loan loss allowance to noncurrent loans | 71.5495% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 1,766 |
| Noncurrent loans to loans | 1.5986% | 2,422 |
| Net loans and leases to total assets | 45.5829% | 5,374 |
| Net loans and leases to deposits | 53.1950% | 5,361 |
| Net loans and leases to core deposits | 54.2287% | 5,481 |
| Total domestic deposits to total assets | 85.6901% | 3,521 |
| Equity capital to assets | 10.7241% | 3,010 |
| Core capital (leverage) ratio | 10.3905% | 3,057 |
| Tier 1 risk-based capital ratio | 21.1301% | 1,448 |
| Total risk-based capital ratio | 22.2011% | 1,462 |
| Memoranda: | ||
| Average total assets | $162,455,500 | 3,523 |
| Average earning assets | $149,439,000 | 3,517 |
| Average equity | $16,956,000 | 3,558 |
| Average total loans | $76,594,500 | 4,047 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 5,119 |
| Cost of funding earning assets | 0.3690% | 4,965 |
| Net interest margin | 3.3357% | 4,531 |
| Noninterest income to average assets | 0.6922% | 2,585 |
| Noninterest expense to average assets | 2.5662% | 4,569 |
| Loan and lease loss provision to assets | 0.1982% | 1,871 |
| Net operating income to assets | 0.9848% | 2,394 |
| Return on assets (ROA) | 0.9219% | 2,762 |
| Pretax return on assets | 0.9307% | 3,640 |
| Return on Equity (ROE) | 8.4668% | 2,796 |
| Retained earnings to average equity (ytd only) | 2.6701% | 4,343 |
| Net charge-offs to loans | 0.9315% | 648 |
| Credit loss provision to net charge-offs | 43.2099% | 3,972 |
| Earnings coverage of net charge-offs (x) | 2.5995% | 4,135 |
| Efficiency ratio | 68.2739% | 4,148 |
| Assets per employee ($millions) | 4.4512% | 2,987 |
| Cash dividends to net income (ytd only)* | 68.4642% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 5,942 |
| Loan loss allowance to noncurrent loans | 116.1765% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 2,376 |
| Noncurrent loans to loans | 0.7716% | 4,037 |
| Net loans and leases to total assets | 47.7258% | 5,321 |
| Net loans and leases to deposits | 56.9086% | 5,220 |
| Net loans and leases to core deposits | 58.5731% | 5,342 |
| Total domestic deposits to total assets | 83.8639% | 4,215 |
| Equity capital to assets | 10.1583% | 3,561 |
| Core capital (leverage) ratio | 10.4513% | 2,963 |
| Tier 1 risk-based capital ratio | 19.1954% | 1,868 |
| Total risk-based capital ratio | 20.0223% | 1,948 |
| Memoranda: | ||
| Average total assets | $158,912,200 | 3,581 |
| Average earning assets | $146,087,600 | 3,573 |
| Average equity | $17,302,800 | 3,518 |
| Average total loans | $78,260,000 | 3,995 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,908 |
| Cost of funding earning assets | 0.3884% | 4,913 |
| Net interest margin | 3.3983% | 4,295 |
| Noninterest income to average assets | 0.6875% | 2,680 |
| Noninterest expense to average assets | 2.6875% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1151% | 1,954 |
| Return on assets (ROA) | 1.0305% | 2,339 |
| Pretax return on assets | 1.0406% | 3,337 |
| Return on Equity (ROE) | 9.3009% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.1510% | 2,969 |
| Net charge-offs to loans | 0.1350% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.8356% | 1,775 |
| Efficiency ratio | 70.4707% | 3,677 |
| Assets per employee ($millions) | 4.3958% | 3,059 |
| Cash dividends to net income (ytd only)* | 44.6177% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,068 |
| Loan loss allowance to noncurrent loans | 67.2669% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1605% | 1,847 |
| Noncurrent loans to loans | 2.0259% | 2,221 |
| Net loans and leases to total assets | 47.8417% | 5,360 |
| Net loans and leases to deposits | 55.5401% | 5,410 |
| Net loans and leases to core deposits | 56.7504% | 5,558 |
| Total domestic deposits to total assets | 86.1389% | 3,173 |
| Equity capital to assets | 10.8519% | 2,914 |
| Core capital (leverage) ratio | 10.7370% | 2,742 |
| Tier 1 risk-based capital ratio | 20.1441% | 1,703 |
| Total risk-based capital ratio | 21.3938% | 1,672 |
| Memoranda: | ||
| Average total assets | $157,467,000 | 3,634 |
| Average earning assets | $144,852,000 | 3,626 |
| Average equity | $17,446,000 | 3,537 |
| Average total loans | $77,997,000 | 4,029 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 4,746 |
| Cost of funding earning assets | 0.4013% | 4,931 |
| Net interest margin | 3.4236% | 4,098 |
| Noninterest income to average assets | 0.7277% | 2,514 |
| Noninterest expense to average assets | 2.6271% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2366% | 1,495 |
| Return on assets (ROA) | 1.1094% | 2,014 |
| Pretax return on assets | 1.1195% | 3,015 |
| Return on Equity (ROE) | 9.9447% | 2,218 |
| Retained earnings to average equity (ytd only) | 4.4363% | 3,454 |
| Net charge-offs to loans | 0.1301% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.2353% | 1,511 |
| Efficiency ratio | 67.7938% | 4,218 |
| Assets per employee ($millions) | 4.1688% | 3,430 |
| Cash dividends to net income (ytd only)* | 55.3899% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 3,943 |
| Loan loss allowance to noncurrent loans | 75.8475% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1265% | 2,025 |
| Noncurrent loans to loans | 1.8727% | 2,527 |
| Net loans and leases to total assets | 48.3247% | 5,297 |
| Net loans and leases to deposits | 55.6835% | 5,373 |
| Net loans and leases to core deposits | 56.6471% | 5,551 |
| Total domestic deposits to total assets | 86.7846% | 2,950 |
| Equity capital to assets | 11.2730% | 2,496 |
| Core capital (leverage) ratio | 10.6494% | 2,719 |
| Tier 1 risk-based capital ratio | 19.8327% | 1,757 |
| Total risk-based capital ratio | 21.0832% | 1,733 |
| Memoranda: | ||
| Average total assets | $157,206,330 | 3,659 |
| Average earning assets | $144,528,330 | 3,656 |
| Average equity | $17,537,000 | 3,548 |
| Average total loans | $78,411,000 | 4,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 4,738 |
| Cost of funding earning assets | 0.4261% | 4,852 |
| Net interest margin | 3.3976% | 4,131 |
| Noninterest income to average assets | 0.6428% | 2,921 |
| Noninterest expense to average assets | 2.6013% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1446% | 1,700 |
| Return on assets (ROA) | 0.6655% | 4,025 |
| Pretax return on assets | 0.6730% | 4,695 |
| Return on Equity (ROE) | 5.9961% | 4,051 |
| Retained earnings to average equity (ytd only) | -2.4984% | 6,137 |
| Net charge-offs to loans | -0.0301% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2153% | 4,109 |
| Assets per employee ($millions) | 4.5132% | 2,943 |
| Cash dividends to net income (ytd only)* | 141.6667% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 3,801 |
| Loan loss allowance to noncurrent loans | 66.9627% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 2,201 |
| Noncurrent loans to loans | 2.2484% | 2,332 |
| Net loans and leases to total assets | 45.5381% | 5,482 |
| Net loans and leases to deposits | 53.3674% | 5,488 |
| Net loans and leases to core deposits | 54.9423% | 5,609 |
| Total domestic deposits to total assets | 85.3294% | 3,878 |
| Equity capital to assets | 10.7555% | 3,253 |
| Core capital (leverage) ratio | 9.9153% | 3,510 |
| Tier 1 risk-based capital ratio | 19.0949% | 2,015 |
| Total risk-based capital ratio | 20.3461% | 1,992 |
| Memoranda: | ||
| Average total assets | $158,687,500 | 3,676 |
| Average earning assets | $145,514,000 | 3,670 |
| Average equity | $17,611,500 | 3,577 |
| Average total loans | $79,810,500 | 4,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 3,703 |
| Cost of funding earning assets | 0.5563% | 4,756 |
| Net interest margin | 3.8725% | 2,933 |
| Noninterest income to average assets | 0.8784% | 1,935 |
| Noninterest expense to average assets | 2.4883% | 5,138 |
| Loan and lease loss provision to assets | 1.0658% | 362 |
| Net operating income to assets | 0.8545% | 3,019 |
| Return on assets (ROA) | 0.7778% | 3,634 |
| Pretax return on assets | 0.7858% | 4,343 |
| Return on Equity (ROE) | 6.7452% | 3,787 |
| Retained earnings to average equity (ytd only) | 2.6407% | 4,375 |
| Net charge-offs to loans | 1.9041% | 401 |
| Credit loss provision to net charge-offs | 103.5370% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.8740% | 4,488 |
| Efficiency ratio | 56.3315% | 6,026 |
| Assets per employee ($millions) | 4.4257% | 3,103 |
| Cash dividends to net income (ytd only)* | 60.8511% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,490 |
| Loan loss allowance to noncurrent loans | 63.7033% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 2,143 |
| Noncurrent loans to loans | 2.0899% | 2,589 |
| Net loans and leases to total assets | 53.8263% | 4,639 |
| Net loans and leases to deposits | 63.6072% | 4,582 |
| Net loans and leases to core deposits | 66.2074% | 4,720 |
| Total domestic deposits to total assets | 84.6230% | 4,025 |
| Equity capital to assets | 11.4577% | 2,488 |
| Core capital (leverage) ratio | 10.5328% | 2,723 |
| Tier 1 risk-based capital ratio | 17.2823% | 2,532 |
| Total risk-based capital ratio | 18.4941% | 2,519 |
| Memoranda: | ||
| Average total assets | $151,065,000 | 3,755 |
| Average earning assets | $138,049,200 | 3,753 |
| Average equity | $17,419,800 | 3,553 |
| Average total loans | $81,664,800 | 3,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 3,696 |
| Cost of funding earning assets | 0.5821% | 4,824 |
| Net interest margin | 3.9029% | 2,905 |
| Noninterest income to average assets | 0.8856% | 1,885 |
| Noninterest expense to average assets | 2.6159% | 4,689 |
| Loan and lease loss provision to assets | 0.7639% | 637 |
| Net operating income to assets | 1.0689% | 2,219 |
| Return on assets (ROA) | 1.0144% | 2,664 |
| Pretax return on assets | 1.0241% | 3,622 |
| Return on Equity (ROE) | 8.7822% | 2,912 |
| Retained earnings to average equity (ytd only) | 4.2296% | 3,917 |
| Net charge-offs to loans | 0.1285% | 4,098 |
| Credit loss provision to net charge-offs | 1,102.5641% | 256 |
| Earnings coverage of net charge-offs (x) | 26.6019% | 1,209 |
| Efficiency ratio | 58.6653% | 5,700 |
| Assets per employee ($millions) | 4.3428% | 3,179 |
| Cash dividends to net income (ytd only)* | 51.8386% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 1,563 |
| Loan loss allowance to noncurrent loans | 57.3730% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.3965% | 1,484 |
| Noncurrent loans to loans | 3.9708% | 1,298 |
| Net loans and leases to total assets | 53.8021% | 4,778 |
| Net loans and leases to deposits | 64.3800% | 4,673 |
| Net loans and leases to core deposits | 66.3546% | 4,915 |
| Total domestic deposits to total assets | 83.5697% | 4,403 |
| Equity capital to assets | 12.1900% | 2,120 |
| Core capital (leverage) ratio | 10.8202% | 2,576 |
| Tier 1 risk-based capital ratio | 17.7713% | 2,436 |
| Total risk-based capital ratio | 19.0314% | 2,396 |
| Memoranda: | ||
| Average total assets | $150,106,250 | 3,822 |
| Average earning assets | $137,434,500 | 3,803 |
| Average equity | $17,337,750 | 3,594 |
| Average total loans | $80,955,500 | 4,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 3,882 |
| Cost of funding earning assets | 0.6006% | 4,898 |
| Net interest margin | 3.8728% | 3,025 |
| Noninterest income to average assets | 0.8335% | 2,041 |
| Noninterest expense to average assets | 2.5033% | 5,124 |
| Loan and lease loss provision to assets | 1.1396% | 369 |
| Net operating income to assets | 0.7298% | 3,707 |
| Return on assets (ROA) | 0.6891% | 4,191 |
| Pretax return on assets | 0.6957% | 4,841 |
| Return on Equity (ROE) | 6.0757% | 4,290 |
| Retained earnings to average equity (ytd only) | -0.1402% | 6,067 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1558% | 5,973 |
| Assets per employee ($millions) | 4.2563% | 3,346 |
| Cash dividends to net income (ytd only)* | 102.3077% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2838% | 1,618 |
| Loan loss allowance to noncurrent loans | 56.4327% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.4872% | 1,530 |
| Noncurrent loans to loans | 4.0469% | 1,356 |
| Net loans and leases to total assets | 55.4326% | 4,556 |
| Net loans and leases to deposits | 68.2319% | 4,159 |
| Net loans and leases to core deposits | 69.9929% | 4,530 |
| Total domestic deposits to total assets | 81.2414% | 5,378 |
| Equity capital to assets | 11.5726% | 2,522 |
| Core capital (leverage) ratio | 10.3429% | 2,993 |
| Tier 1 risk-based capital ratio | 16.6018% | 2,860 |
| Total risk-based capital ratio | 17.8618% | 2,813 |
| Memoranda: | ||
| Average total assets | $150,923,670 | 3,824 |
| Average earning assets | $138,193,670 | 3,809 |
| Average equity | $17,117,330 | 3,624 |
| Average total loans | $80,843,000 | 4,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 3,844 |
| Cost of funding earning assets | 0.6162% | 5,001 |
| Net interest margin | 3.9014% | 2,912 |
| Noninterest income to average assets | 0.8901% | 1,787 |
| Noninterest expense to average assets | 2.6728% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7688% | 638 |
| Return on assets (ROA) | 1.6880% | 821 |
| Pretax return on assets | 1.7038% | 1,288 |
| Return on Equity (ROE) | 15.0328% | 965 |
| Retained earnings to average equity (ytd only) | 3.9634% | 4,206 |
| Net charge-offs to loans | 0.0051% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 678.0000% | 33 |
| Efficiency ratio | 59.9527% | 5,618 |
| Assets per employee ($millions) | 4.5230% | 2,951 |
| Cash dividends to net income (ytd only)* | 73.6349% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 4,768 |
| Loan loss allowance to noncurrent loans | 117.2149% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.8129% | 3,156 |
| Noncurrent loans to loans | 1.1600% | 4,385 |
| Net loans and leases to total assets | 50.4295% | 5,252 |
| Net loans and leases to deposits | 59.7041% | 5,190 |
| Net loans and leases to core deposits | 61.5453% | 5,376 |
| Total domestic deposits to total assets | 84.4658% | 4,293 |
| Equity capital to assets | 11.1131% | 2,790 |
| Core capital (leverage) ratio | 10.2354% | 3,069 |
| Tier 1 risk-based capital ratio | 17.3584% | 2,531 |
| Total risk-based capital ratio | 18.5362% | 2,533 |
| Memoranda: | ||
| Average total assets | $151,899,500 | 3,839 |
| Average earning assets | $138,924,000 | 3,838 |
| Average equity | $17,056,000 | 3,640 |
| Average total loans | $79,010,000 | 4,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 3,482 |
| Cost of funding earning assets | 0.9312% | 3,864 |
| Net interest margin | 3.9417% | 3,150 |
| Noninterest income to average assets | 0.7656% | 2,259 |
| Noninterest expense to average assets | 2.7562% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5830% | 690 |
| Return on assets (ROA) | 1.5008% | 898 |
| Pretax return on assets | 1.5157% | 1,424 |
| Return on Equity (ROE) | 14.3423% | 859 |
| Retained earnings to average equity (ytd only) | 8.0446% | 1,065 |
| Net charge-offs to loans | 0.0407% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 76.4516% | 392 |
| Efficiency ratio | 62.8408% | 5,324 |
| Assets per employee ($millions) | 4.2862% | 3,288 |
| Cash dividends to net income (ytd only)* | 43.9101% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,678 |
| Loan loss allowance to noncurrent loans | 188.3803% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 3,399 |
| Noncurrent loans to loans | 0.7154% | 5,267 |
| Net loans and leases to total assets | 52.2138% | 5,280 |
| Net loans and leases to deposits | 65.5445% | 4,798 |
| Net loans and leases to core deposits | 68.6230% | 4,951 |
| Total domestic deposits to total assets | 79.6615% | 5,828 |
| Equity capital to assets | 11.3468% | 2,642 |
| Core capital (leverage) ratio | 10.3885% | 2,860 |
| Tier 1 risk-based capital ratio | 16.6508% | 2,754 |
| Total risk-based capital ratio | 17.7933% | 2,767 |
| Memoranda: | ||
| Average total assets | $148,249,800 | 3,833 |
| Average earning assets | $134,992,600 | 3,838 |
| Average equity | $15,513,600 | 3,815 |
| Average total loans | $76,146,600 | 4,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,734 |
| Cost of funding earning assets | 1.0141% | 3,582 |
| Net interest margin | 3.8456% | 3,640 |
| Noninterest income to average assets | 0.7785% | 2,151 |
| Noninterest expense to average assets | 2.8234% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4465% | 1,060 |
| Return on assets (ROA) | 1.4081% | 1,213 |
| Pretax return on assets | 1.4225% | 1,874 |
| Return on Equity (ROE) | 13.7501% | 1,094 |
| Retained earnings to average equity (ytd only) | 5.7696% | 2,694 |
| Net charge-offs to loans | -0.0106% | 6,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2842% | 4,850 |
| Assets per employee ($millions) | 4.2672% | 3,338 |
| Cash dividends to net income (ytd only)* | 58.0398% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,487 |
| Loan loss allowance to noncurrent loans | 295.2000% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 3,682 |
| Noncurrent loans to loans | 0.4796% | 5,887 |
| Net loans and leases to total assets | 51.6140% | 5,494 |
| Net loans and leases to deposits | 64.3830% | 5,118 |
| Net loans and leases to core deposits | 66.8027% | 5,332 |
| Total domestic deposits to total assets | 80.1671% | 5,687 |
| Equity capital to assets | 11.0095% | 3,137 |
| Core capital (leverage) ratio | 10.1860% | 3,209 |
| Tier 1 risk-based capital ratio | 16.2136% | 3,008 |
| Total risk-based capital ratio | 17.4101% | 2,995 |
| Memoranda: | ||
| Average total assets | $147,808,250 | 3,861 |
| Average earning assets | $134,767,000 | 3,872 |
| Average equity | $15,136,500 | 3,892 |
| Average total loans | $75,333,500 | 4,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 4,136 |
| Cost of funding earning assets | 1.1003% | 3,231 |
| Net interest margin | 3.6890% | 4,314 |
| Noninterest income to average assets | 0.7645% | 2,182 |
| Noninterest expense to average assets | 2.8447% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2758% | 1,379 |
| Return on assets (ROA) | 1.2180% | 1,599 |
| Pretax return on assets | 1.2302% | 2,372 |
| Return on Equity (ROE) | 12.2033% | 1,437 |
| Retained earnings to average equity (ytd only) | 3.3195% | 4,142 |
| Net charge-offs to loans | -0.0081% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8712% | 4,537 |
| Assets per employee ($millions) | 4.2831% | 3,193 |
| Cash dividends to net income (ytd only)* | 72.7982% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,313 |
| Loan loss allowance to noncurrent loans | 169.3252% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 3,509 |
| Noncurrent loans to loans | 0.8593% | 5,228 |
| Net loans and leases to total assets | 49.8779% | 5,839 |
| Net loans and leases to deposits | 60.9597% | 5,619 |
| Net loans and leases to core deposits | 62.7803% | 5,827 |
| Total domestic deposits to total assets | 81.8211% | 5,225 |
| Equity capital to assets | 10.2141% | 3,866 |
| Core capital (leverage) ratio | 9.5526% | 3,880 |
| Tier 1 risk-based capital ratio | 16.1151% | 2,923 |
| Total risk-based capital ratio | 17.3345% | 2,905 |
| Memoranda: | ||
| Average total assets | $147,293,330 | 3,897 |
| Average earning assets | $134,507,000 | 3,896 |
| Average equity | $14,701,000 | 3,960 |
| Average total loans | $74,380,000 | 4,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 4,464 |
| Cost of funding earning assets | 1.1506% | 3,155 |
| Net interest margin | 3.5628% | 4,759 |
| Noninterest income to average assets | 0.7973% | 2,047 |
| Noninterest expense to average assets | 2.9674% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0686% | 1,951 |
| Return on assets (ROA) | 1.0686% | 2,001 |
| Pretax return on assets | 1.0796% | 2,833 |
| Return on Equity (ROE) | 10.8367% | 1,795 |
| Retained earnings to average equity (ytd only) | -6.5020% | 6,639 |
| Net charge-offs to loans | -0.0109% | 6,385 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3609% | 3,981 |
| Assets per employee ($millions) | 4.3742% | 3,084 |
| Cash dividends to net income (ytd only)* | 160.0000% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 4,008 |
| Loan loss allowance to noncurrent loans | 299.7283% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,737 |
| Noncurrent loans to loans | 0.5138% | 5,997 |
| Net loans and leases to total assets | 46.0623% | 6,282 |
| Net loans and leases to deposits | 55.2734% | 6,194 |
| Net loans and leases to core deposits | 58.4123% | 6,217 |
| Total domestic deposits to total assets | 83.3354% | 4,775 |
| Equity capital to assets | 9.3836% | 4,601 |
| Core capital (leverage) ratio | 9.2148% | 4,265 |
| Tier 1 risk-based capital ratio | 16.2483% | 2,786 |
| Total risk-based capital ratio | 17.4976% | 2,751 |
| Memoranda: | ||
| Average total assets | $145,985,000 | 3,953 |
| Average earning assets | $133,153,000 | 3,951 |
| Average equity | $14,395,500 | 4,025 |
| Average total loans | $73,632,000 | 4,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3424% | 2,922 |
| Cost of funding earning assets | 1.4736% | 2,799 |
| Net interest margin | 3.8687% | 3,643 |
| Noninterest income to average assets | 0.7765% | 2,396 |
| Noninterest expense to average assets | 2.9462% | 4,050 |
| Loan and lease loss provision to assets | 0.1351% | 5,821 |
| Net operating income to assets | 1.1733% | 1,479 |
| Return on assets (ROA) | 0.9650% | 2,270 |
| Pretax return on assets | 0.9752% | 3,012 |
| Return on Equity (ROE) | 9.5816% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.3558% | 876 |
| Net charge-offs to loans | 0.0263% | 6,543 |
| Credit loss provision to net charge-offs | 925.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 90.4000% | 272 |
| Efficiency ratio | 67.0604% | 4,755 |
| Assets per employee ($millions) | 3.8576% | 4,118 |
| Cash dividends to net income (ytd only)* | 12.7933% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,251 |
| Loan loss allowance to noncurrent loans | 280.1527% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 3,405 |
| Noncurrent loans to loans | 0.5196% | 6,000 |
| Net loans and leases to total assets | 53.6749% | 5,679 |
| Net loans and leases to deposits | 66.6935% | 5,306 |
| Net loans and leases to core deposits | 70.8050% | 5,354 |
| Total domestic deposits to total assets | 80.4800% | 5,692 |
| Equity capital to assets | 10.3872% | 3,288 |
| Core capital (leverage) ratio | 10.1951% | 2,868 |
| Tier 1 risk-based capital ratio | 15.6646% | 2,920 |
| Total risk-based capital ratio | 16.8693% | 2,901 |
| Memoranda: | ||
| Average total assets | $136,888,200 | 4,122 |
| Average earning assets | $123,503,400 | 4,159 |
| Average equity | $13,786,800 | 4,186 |
| Average total loans | $76,134,600 | 4,447 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3463% | 3,136 |
| Cost of funding earning assets | 1.5187% | 2,853 |
| Net interest margin | 3.8277% | 3,858 |
| Noninterest income to average assets | 0.6833% | 2,923 |
| Noninterest expense to average assets | 2.9893% | 3,788 |
| Loan and lease loss provision to assets | 0.1808% | 5,238 |
| Net operating income to assets | 0.9497% | 2,414 |
| Return on assets (ROA) | 0.7087% | 3,523 |
| Pretax return on assets | 0.7165% | 4,179 |
| Return on Equity (ROE) | 7.0934% | 3,302 |
| Retained earnings to average equity (ytd only) | 6.1933% | 2,266 |
| Net charge-offs to loans | 0.0227% | 6,354 |
| Credit loss provision to net charge-offs | 1,423.0769% | 214 |
| Earnings coverage of net charge-offs (x) | 89.7842% | 343 |
| Efficiency ratio | 70.3195% | 4,001 |
| Assets per employee ($millions) | 3.7054% | 4,497 |
| Cash dividends to net income (ytd only)* | 12.6893% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,851 |
| Loan loss allowance to noncurrent loans | 236.2473% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 2.0051% | 3,463 |
| Noncurrent loans to loans | 0.6451% | 5,917 |
| Net loans and leases to total assets | 52.2218% | 6,071 |
| Net loans and leases to deposits | 63.6202% | 5,959 |
| Net loans and leases to core deposits | 67.4407% | 5,999 |
| Total domestic deposits to total assets | 82.0836% | 4,959 |
| Equity capital to assets | 10.4961% | 3,523 |
| Core capital (leverage) ratio | 9.8742% | 3,394 |
| Tier 1 risk-based capital ratio | 15.5335% | 2,981 |
| Total risk-based capital ratio | 16.7836% | 2,947 |
| Memoranda: | ||
| Average total assets | $136,392,000 | 4,181 |
| Average earning assets | $122,822,500 | 4,227 |
| Average equity | $13,627,250 | 4,297 |
| Average total loans | $76,258,000 | 4,516 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3513% | 3,210 |
| Cost of funding earning assets | 1.5551% | 2,932 |
| Net interest margin | 3.7962% | 3,910 |
| Noninterest income to average assets | 0.8035% | 2,097 |
| Noninterest expense to average assets | 2.9672% | 3,829 |
| Loan and lease loss provision to assets | 0.2717% | 4,216 |
| Net operating income to assets | 0.9676% | 2,306 |
| Return on assets (ROA) | 0.7873% | 3,177 |
| Pretax return on assets | 0.7961% | 3,895 |
| Return on Equity (ROE) | 8.0162% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.7021% | 1,549 |
| Net charge-offs to loans | 0.0026% | 6,348 |
| Credit loss provision to net charge-offs | 18,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 851.0000% | 33 |
| Efficiency ratio | 68.3386% | 4,508 |
| Assets per employee ($millions) | 3.8082% | 4,204 |
| Cash dividends to net income (ytd only)* | 3.9179% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 3,711 |
| Loan loss allowance to noncurrent loans | 287.1795% | 988 |
| Noncurrent assets plus other real estate owned to assets | 2.1350% | 3,335 |
| Noncurrent loans to loans | 0.5363% | 6,177 |
| Net loans and leases to total assets | 52.2276% | 6,187 |
| Net loans and leases to deposits | 64.1641% | 6,020 |
| Net loans and leases to core deposits | 67.0770% | 6,144 |
| Total domestic deposits to total assets | 81.3970% | 5,248 |
| Equity capital to assets | 10.1236% | 3,862 |
| Core capital (leverage) ratio | 9.9684% | 3,201 |
| Tier 1 risk-based capital ratio | 15.1920% | 3,063 |
| Total risk-based capital ratio | 16.4412% | 3,019 |
| Memoranda: | ||
| Average total assets | $136,156,670 | 4,206 |
| Average earning assets | $122,438,670 | 4,258 |
| Average equity | $13,373,000 | 4,358 |
| Average total loans | $77,443,000 | 4,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 2,886 |
| Cost of funding earning assets | 1.5898% | 3,022 |
| Net interest margin | 3.8432% | 3,609 |
| Noninterest income to average assets | 0.6662% | 2,838 |
| Noninterest expense to average assets | 3.0688% | 3,395 |
| Loan and lease loss provision to assets | 0.5454% | 2,320 |
| Net operating income to assets | 0.4956% | 4,410 |
| Return on assets (ROA) | 0.5277% | 4,386 |
| Pretax return on assets | 0.5336% | 4,840 |
| Return on Equity (ROE) | 5.4573% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.0000% | 3,155 |
| Net charge-offs to loans | 0.0050% | 5,545 |
| Credit loss provision to net charge-offs | 18,500.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 79 |
| Efficiency ratio | 72.4928% | 3,844 |
| Assets per employee ($millions) | 3.8845% | 4,133 |
| Cash dividends to net income (ytd only)* | 8.3799% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,130 |
| Loan loss allowance to noncurrent loans | 280.7018% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 2.2162% | 3,257 |
| Noncurrent loans to loans | 0.5202% | 6,249 |
| Net loans and leases to total assets | 55.5974% | 5,803 |
| Net loans and leases to deposits | 67.9510% | 5,597 |
| Net loans and leases to core deposits | 71.7406% | 5,746 |
| Total domestic deposits to total assets | 81.8199% | 5,149 |
| Equity capital to assets | 9.7796% | 4,137 |
| Core capital (leverage) ratio | 9.7609% | 3,443 |
| Tier 1 risk-based capital ratio | 14.0886% | 3,601 |
| Total risk-based capital ratio | 15.2803% | 3,599 |
| Memoranda: | ||
| Average total assets | $135,687,000 | 4,287 |
| Average earning assets | $121,774,500 | 4,333 |
| Average equity | $13,120,000 | 4,450 |
| Average total loans | $79,803,500 | 4,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8781% | 2,332 |
| Cost of funding earning assets | 1.9483% | 3,223 |
| Net interest margin | 3.9298% | 3,158 |
| Noninterest income to average assets | 0.8360% | 2,248 |
| Noninterest expense to average assets | 2.9459% | 4,359 |
| Loan and lease loss provision to assets | 0.6734% | 3,125 |
| Net operating income to assets | 0.7270% | 2,823 |
| Return on assets (ROA) | 0.5457% | 3,636 |
| Pretax return on assets | 0.5518% | 4,043 |
| Return on Equity (ROE) | 5.6645% | 3,348 |
| Retained earnings to average equity (ytd only) | 3.4240% | 2,770 |
| Net charge-offs to loans | 0.7384% | 2,974 |
| Credit loss provision to net charge-offs | 145.7237% | 3,252 |
| Earnings coverage of net charge-offs (x) | 3.0477% | 3,550 |
| Efficiency ratio | 65.6310% | 5,467 |
| Assets per employee ($millions) | 3.8691% | 4,094 |
| Cash dividends to net income (ytd only)* | 39.5543% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,753 |
| Loan loss allowance to noncurrent loans | 136.2445% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 2.4568% | 2,835 |
| Noncurrent loans to loans | 0.8287% | 5,634 |
| Net loans and leases to total assets | 60.5259% | 5,255 |
| Net loans and leases to deposits | 77.8324% | 4,413 |
| Net loans and leases to core deposits | 95.1962% | 4,547 |
| Total domestic deposits to total assets | 77.7644% | 6,278 |
| Equity capital to assets | 9.5586% | 4,344 |
| Core capital (leverage) ratio | 9.8114% | 3,309 |
| Tier 1 risk-based capital ratio | 12.6361% | 4,413 |
| Total risk-based capital ratio | 13.5425% | 4,656 |
| Memoranda: | ||
| Average total assets | $131,573,200 | 4,309 |
| Average earning assets | $117,792,600 | 4,361 |
| Average equity | $12,675,400 | 4,597 |
| Average total loans | $82,339,200 | 4,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 2,558 |
| Cost of funding earning assets | 2.0176% | 3,265 |
| Net interest margin | 3.8575% | 3,399 |
| Noninterest income to average assets | 0.8514% | 2,192 |
| Noninterest expense to average assets | 3.0441% | 3,866 |
| Loan and lease loss provision to assets | 0.5880% | 3,033 |
| Net operating income to assets | 0.6712% | 3,312 |
| Return on assets (ROA) | 0.5216% | 3,989 |
| Pretax return on assets | 0.5267% | 4,437 |
| Return on Equity (ROE) | 5.4038% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.4005% | 3,979 |
| Net charge-offs to loans | 0.6229% | 2,809 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.2291% | 3,625 |
| Efficiency ratio | 68.5694% | 4,867 |
| Assets per employee ($millions) | 3.8458% | 4,090 |
| Cash dividends to net income (ytd only)* | 55.5774% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,041 |
| Loan loss allowance to noncurrent loans | 143.5811% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3996% | 2,872 |
| Noncurrent loans to loans | 0.7272% | 5,850 |
| Net loans and leases to total assets | 59.8523% | 5,606 |
| Net loans and leases to deposits | 77.5659% | 4,808 |
| Net loans and leases to core deposits | 94.4101% | 4,981 |
| Total domestic deposits to total assets | 77.1632% | 6,300 |
| Equity capital to assets | 9.6692% | 4,534 |
| Core capital (leverage) ratio | 9.6177% | 3,765 |
| Tier 1 risk-based capital ratio | 12.4632% | 4,573 |
| Total risk-based capital ratio | 13.2900% | 4,878 |
| Memoranda: | ||
| Average total assets | $130,612,000 | 4,362 |
| Average earning assets | $117,101,250 | 4,404 |
| Average equity | $12,608,250 | 4,629 |
| Average total loans | $82,199,250 | 4,476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8442% | 2,836 |
| Cost of funding earning assets | 2.1025% | 3,253 |
| Net interest margin | 3.7417% | 3,788 |
| Noninterest income to average assets | 0.9282% | 1,856 |
| Noninterest expense to average assets | 3.0538% | 3,867 |
| Loan and lease loss provision to assets | 0.8137% | 2,056 |
| Net operating income to assets | 0.4038% | 4,500 |
| Return on assets (ROA) | 0.4038% | 4,611 |
| Pretax return on assets | 0.4084% | 4,907 |
| Return on Equity (ROE) | 4.1852% | 4,421 |
| Retained earnings to average equity (ytd only) | -0.3688% | 5,314 |
| Net charge-offs to loans | 0.8246% | 2,042 |
| Credit loss provision to net charge-offs | 154.7059% | 2,970 |
| Earnings coverage of net charge-offs (x) | 2.3235% | 3,905 |
| Efficiency ratio | 69.3198% | 4,913 |
| Assets per employee ($millions) | 3.8202% | 4,049 |
| Cash dividends to net income (ytd only)* | 108.8123% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 5,812 |
| Loan loss allowance to noncurrent loans | 126.3079% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 2.6700% | 2,401 |
| Noncurrent loans to loans | 0.8432% | 5,535 |
| Net loans and leases to total assets | 60.4344% | 5,609 |
| Net loans and leases to deposits | 77.2054% | 4,994 |
| Net loans and leases to core deposits | 93.2933% | 5,203 |
| Total domestic deposits to total assets | 78.2774% | 6,006 |
| Equity capital to assets | 10.1264% | 3,792 |
| Core capital (leverage) ratio | 9.6799% | 3,657 |
| Tier 1 risk-based capital ratio | 12.5613% | 4,474 |
| Total risk-based capital ratio | 13.4072% | 4,702 |
| Memoranda: | ||
| Average total assets | $129,281,670 | 4,406 |
| Average earning assets | $115,669,330 | 4,469 |
| Average equity | $12,472,670 | 4,687 |
| Average total loans | $82,461,330 | 4,509 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8000% | 3,303 |
| Cost of funding earning assets | 2.2708% | 2,837 |
| Net interest margin | 3.5292% | 4,619 |
| Noninterest income to average assets | 0.7629% | 2,520 |
| Noninterest expense to average assets | 2.7788% | 4,656 |
| Loan and lease loss provision to assets | 0.9800% | 1,323 |
| Net operating income to assets | 0.1582% | 5,796 |
| Return on assets (ROA) | 0.1582% | 5,965 |
| Pretax return on assets | 0.1613% | 6,026 |
| Return on Equity (ROE) | 1.6814% | 5,885 |
| Retained earnings to average equity (ytd only) | -7.6818% | 6,878 |
| Net charge-offs to loans | 0.5427% | 2,096 |
| Credit loss provision to net charge-offs | 277.1930% | 1,733 |
| Earnings coverage of net charge-offs (x) | 3.2281% | 3,239 |
| Efficiency ratio | 68.5918% | 4,853 |
| Assets per employee ($millions) | 3.8491% | 3,984 |
| Cash dividends to net income (ytd only)* | 556.8627% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 5,852 |
| Loan loss allowance to noncurrent loans | 24.7337% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 3.0198% | 1,869 |
| Noncurrent loans to loans | 4.2162% | 1,401 |
| Net loans and leases to total assets | 62.2855% | 5,273 |
| Net loans and leases to deposits | 78.0619% | 4,913 |
| Net loans and leases to core deposits | 99.1088% | 4,628 |
| Total domestic deposits to total assets | 79.7899% | 5,433 |
| Equity capital to assets | 9.9702% | 4,035 |
| Core capital (leverage) ratio | 9.5005% | 3,986 |
| Tier 1 risk-based capital ratio | 12.1781% | 4,805 |
| Total risk-based capital ratio | 13.0290% | 5,062 |
| Memoranda: | ||
| Average total assets | $128,978,500 | 4,430 |
| Average earning assets | $115,379,500 | 4,493 |
| Average equity | $12,132,500 | 4,802 |
| Average total loans | $84,021,000 | 4,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4091% | 3,368 |
| Cost of funding earning assets | 2.7887% | 2,752 |
| Net interest margin | 3.6203% | 4,785 |
| Noninterest income to average assets | 0.8742% | 2,084 |
| Noninterest expense to average assets | 2.8128% | 4,769 |
| Loan and lease loss provision to assets | 0.2028% | 4,863 |
| Net operating income to assets | 1.1306% | 2,026 |
| Return on assets (ROA) | 0.8908% | 2,881 |
| Pretax return on assets | 0.9002% | 3,719 |
| Return on Equity (ROE) | 10.7340% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.9639% | 454 |
| Net charge-offs to loans | 0.5394% | 2,210 |
| Credit loss provision to net charge-offs | 58.2766% | 6,252 |
| Earnings coverage of net charge-offs (x) | 3.8662% | 4,200 |
| Efficiency ratio | 65.4459% | 5,229 |
| Assets per employee ($millions) | 3.7379% | 4,087 |
| Cash dividends to net income (ytd only)* | 7.1745% | 4,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 7,209 |
| Loan loss allowance to noncurrent loans | 51.5270% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 3,889 |
| Noncurrent loans to loans | 1.4906% | 3,566 |
| Net loans and leases to total assets | 66.8928% | 4,658 |
| Net loans and leases to deposits | 86.3189% | 4,070 |
| Net loans and leases to core deposits | 116.3130% | 3,091 |
| Total domestic deposits to total assets | 77.4949% | 5,879 |
| Equity capital to assets | 8.8262% | 5,610 |
| Core capital (leverage) ratio | 8.2575% | 6,038 |
| Tier 1 risk-based capital ratio | 10.2717% | 6,450 |
| Total risk-based capital ratio | 10.9155% | 7,020 |
| Memoranda: | ||
| Average total assets | $126,743,800 | 4,357 |
| Average earning assets | $114,962,200 | 4,389 |
| Average equity | $10,518,000 | 5,257 |
| Average total loans | $81,750,800 | 4,461 |